121 Responses

1. Dave April 19th, 2007 at 4:39 pm 1

   That is just crazy. I can’t believe a company of that size would have a policy like that. They deserve to have a ton of accounts closed.

2. Joshua Dorkin April 19th, 2007 at 6:49 pm 2

   I just talked to a banker friend of mine. He was completely floored by the service they gave me. That’s the problem with many of these major companies . . . you are just a small fry and they don’t give two @#$@# about you.

3. lol April 20th, 2007 at 7:14 pm 3

   interesting, i dont give two @#%$ about you either

4. Joshua Dorkin April 20th, 2007 at 7:20 pm 4

   lol. Join the gang!

5. Leroy Brown April 26th, 2007 at 7:45 am 5

   I’ve never experienced that kind of customer service with Chase, but I do have my own gripe with them, if it’s somewhat off topic.
   One of my first credit cards was a Chase Visa ( or MC, I can’t remember ) with a limit of $800. Woohoo.
   Nowadays all my cards are in the 15k+ area, and Chase refuses to budge on the limit. Yet they consistently send me those cash advance checks. Please tell me, someone at Chase, what in the blue f**k am I going to do with an $800 cash advance at 23% APR and a 3% fee?
   Once upon a time, Chase was a prime lender, and catered to people with outstanding credit, and provided them outstanding customer service. Today, that is no longer the case.

6. Joshua Dorkin April 26th, 2007 at 9:17 am 6

   It seems that Chase, like many of the other banks out ther has really forgotten their way. Banks used to be about the customer. Now, they are soley about the bottom line.

7. Carnival of Personal Finance #98 → We’re In Debt April 30th, 2007 at 8:46 am 7

   […] over at time for blogging has an issue with with Chase. Have companies moved towards giving up on customers who have problems with their […]

8. Ken Blakely May 1st, 2007 at 12:47 am 8

   I’ll boycott ‘em - as soon as I’m done using their 0% money to make *me* money! There’s almost nothing i like better than screwing CC companies….:-)

9. newsgirly May 1st, 2007 at 7:15 am 9

   Very interesting. My dad has a life insurance policy that started with a different company, but it was bought and sold and ended up with Chase. He’s now due $92,000 in cash value and can’t get the $. About 8 weeks ago, they told him it would be 4-6 weeks. Now they say there’s a “$380 discrepency” and they won’t pay him until it’s cleared up, but every time he calls, they say it should be cleared up and the check should be in the mail “today.” He’s starting to freak. He thinks they are about to go under. I told him it’s a huge company with plenty of dough, but now that I read the above post, maybe there’s something really wrong there. His next plan is to ask for all but the $380 and let them figure that out whenever/never. He reviewed his contract and it says they have up to 6 months to pay him, but he’s thinking he may not get the $ ever. They seem very slimy. I told him to call every day and ask for a stupefier/supervisor every day until he gets a satisfactory answer (his $).

10. Joshua Dorkin May 1st, 2007 at 8:16 am 10

    Newsgirly - The sad thing is that the stupefiers, as you like to call them, are equally as bad as the other drones working there.

11. Sarah May 1st, 2007 at 2:13 pm 11

    Josh, I was having issues with them failing to post the promised first-purchase credit to my Amazon card (wouldn’t believe the runaround). Frustrated, I said I wanted to close the account–thinking I would at least get the CSR’s attention. He closed it instantly; no attempt at retention at all. At this point, I was annoyed enough at Chase to call regarding another, several-years-old credit card with them. Again, not the slightest effort at retention. The CSR didn’t even ask why I was closing the account. I know companies have taken hits lately for their insane retention-department efforts, but this surprised me.

12. Joshua Dorkin May 1st, 2007 at 4:03 pm 12

    Sarah - Retention is essential in this day and age. I’ve stayed with Sprint as my cell provider for the past 4 years because their retention department cut me a good deal when I wanted to leave for another provider. I can’t imagine why this company’s policies are so screwy!

13. Oscar May 4th, 2007 at 7:07 am 13

    Like many others, I too am sick of credit card companies and banks and their unfair practices and it’s ridiculous how the government chooses to allow them to operate when all they do is abuse consumers. I’ve had my share problems with Chase and the vicious cycle of paying down my account debt, debt consolidation, getting my APR lowered, going through a rough financial period, being late with a payment and then getting my interest rate jacked up; not only on one card, but all of them.

    In short, I am looking to start a national boycott of banks–let’s start with the bigger corporations — Chase, Bank of America, Republic, HSBC etc. LET’S TAKE OUR MONEY OUT….WHAT WOULD HAPPEN IF EVERYONE OR AT LEAT A GOOD PORTION OF PEOPLE WHO HAVE MONEY IN THESE BANKS PULL OUT FOR JUST ONE DAY???

14. Apollia May 7th, 2007 at 11:36 am 14

    This is very interesting. I cancelled my Chase credit card back in April 2006. I don’t recall them struggling tremendously to stop me, but they definitely weren’t so abrupt.

    I think they politely asked why, and I politely told them. (I think I said that basically, I’m just fed up with all their huge fees and jacked up penalty interest rates that kick poor, struggling people when they’re down).

    I wonder if maybe the customer service’s current bizarre, uncaring behavior is a sign that they’re having to put up with quite a lot of angry customers, and they’re at their wit’s end?

    Maybe so many people are now closing their accounts in droves, the customer service folks have decided it’s a waste of time to even argue anymore?

    In any case, very interesting to hear of this. If Chase _is_ verging on going under (as another commenter speculated), I really think Chase could turn themselves around by adopting reasonable, honest, fair policies, and not treating their customers like dirt.

    But if they don’t want to treat their customers fairly, then, well, frankly, they deserve to go out of business, I think.

    I’ve linked to this page from my credit card boycott web page (which can be reached via clicking my name).

    Very nice blog in general, actually - I’ve added it to my Technorati favorites.

    Best wishes.

15. John V May 22nd, 2007 at 9:25 pm 15

    Although I haven’t had the “oppportunity” to experience that from Chase, I’ve seen a lot of lenders/banks treating customers like sh*t. That shouldn’t be the case.

16. James D June 14th, 2007 at 9:11 am 16

    I missed one payment back in Jan 07 on my BP chase card…one day late…they took my 3.99 fixed and made it 29 percent. I called, no sorry, nothing we can do. Somehow they did actually reverse the 39.00 late fee. They would not put the super on the line either. (NEVER been treated so badly in my 17 yrs in CCs) Then may, I lost my statements due to kittins chewing up everything in my freaken house. Missed 3 dif cards min payments (not all chase) and chase said, sorry 29.00%instead of 0% for a year. 39 late fee too. So I closed the acct…no effort to keep me…have top credit rating too…and a house. biz…etc. They even acted rude, like I was swill or something. Citibank actually waived the late payment fee 2 times this year already..(I forgot to pay…had the money just forgot) brought the interest rate back to promo 1 time, didnt the second but took it from 26% to 15% and offered a 6.9 fixed till payoff, no transaction fee either, if I tranfer a bal now. I delined but will keep the citicard and pay that bal off with a bal trans from Wamu. Chase is a joke…never EVER EVER EVER will I be a customer. Even if its a great deal. NEVER I cant believe how rude they where.

17. Thomas Watson June 16th, 2007 at 7:31 pm 17

    I think the problem that Chase Bank is having is that they wrote too many home mortgages with a variable rate instead of a fixed rate. When home mortgage rate were very low people with low income could afford to buy a new home. As mortgage rates rose the variable rate on these loans rose as well. Consumers had to pay an extra 300-700 dollars each month to keep up or default. I believe that Chase is holding alot of bad debt. To make up for this they pick on consumer credit cards to balance their portfolio. They have also went to a monthly average finance charge so if you pay off the credit card balance there is still a charge assessed for the average monthly finance charge. The only way to protect yourself is to record the conversations that you have with Chase Bank and if they do not comply with what they say turn them in to the Attorney General’s Office in the state that you reside in. If enough complaints are registered the Attorney General will pursue it. They have no Problem reporting you to the credit agencies so don’t feel bad about reporting them to the attorney General. This is the only way that we can stop them from abusing consumers.

18. Corinna June 21st, 2007 at 2:06 pm 18

    I am with you I found this page by googleing boycott Chase!
    BoyCott Chase foreever !

19. dori June 25th, 2007 at 4:11 pm 19

    Just got off the phone with chase rep and supervisor. I was given faulty advice by a rep in april leading to late fee. Super said nothing could be done and she was sorry for the bad advice. WHAT? I am closing my account ASAP.

20. michael July 2nd, 2007 at 1:14 am 20

    thats funny chase is just holding onto alot of bad debt from low income people…. Chase in every area from auto to home to whatever is involved in class action lawsuits for flat-out theft from consumers like taking payments even atm payments and denying they were paid plus forclosing and seizing property. they have record contributions to both sides demo and repub I wonder how the bankruptcy law got passed like it did… they were also responsible for hiding the money for the enron guys and just had to pay a 233 million dollar fine….. check it out online its all there and why has none of them been prosecuted and the most of their loans atleast in mortages have gone to high end and middle class familys…. oh yeah, they were fined for not giving loans to low income familys. They are also the backer for 90% of all predatory lenders in the USA.. after the deal is cut chase buys the note and forcloses check it out its all online…..

21. hitesh July 6th, 2007 at 12:27 pm 21

    i had the same experience with my credit card….i work as a pharmacist….got a call one day when i was at work and the customer service was very rude when i told him ..i was at work call me later…i already had problems with chase earlier ….they treat with customers like garbage….may be they’ve earned too much and care fot u no more….i told the guy i am fed up with the credit card service and he offered to close it …later i found it was closed without my yes or no ….i am a direct deposit customer deposit at least $7000 a month and even then get a bad service i wonder what othrs would be getting ….i will close it once i find a good bank……Hope u too stay away from CHASE….
    as ur right ….it CHASE’s u away with their BAD service.

22. Pattie Jannarone July 12th, 2007 at 12:19 am 22

    MY COMPLAINT WITH REGARD TO CHASE IS. WHY WONT THEY ACCEPT MY DEPOSITS INTO MY ACCOUNT IF THEY ARE POSTED AFTER THE CLOSE OF BUSINESS, YET THEY CAN TAKE OUT ANY ELECTRONIC PAYMENT FROM A COMPANY ANY TIME, ANY DAY. CHASE WON’T POST ANY DEPOSIT FROM A WEEKEND UNTIL MIDNIGHT OF THE FOLLOWING MONDAY.
    HERE IS WHY I AM PISSED ABOUT THIS. I ENQUIRED ABOUT A ELECTRONIC CREDIT TO MY ACCOUNT FROM THE INSTITUTION I DO BUSINESS WITH. THE INSTITION STATED THAT THEY POSTED AN ELECTRONIC DRAFT CAPTURE (A CREDIT) TO CHASE ON JUNE 30, 2007. CHASE BANK STATED THAT THEY DID NOT RECIEVE IT UNTIL JULY 3,2007. THESE TRANSACTIONS ONCE RECIEVED ARE SUPOSED TO POST IMMEDIATLY ACCORDING TO COSTOMER SERVICE. THE REASON THEY GAVE IS THAT THE ELECTRONIC TRANSFER GOES THROUGH AN AUTOMATED CLEARING HOUSE AND NOT DIRECTLY FROM THE ISSUING CO. I HAD NEVER HEARD OF THIS. CHASE STATED THAT THE TRANSACTIONS WERE DELAYED AT THE CLEARING HOUSE, WHICH THEY USE. THEY COULD NOT GIVE ME WHAT TIME OF DAY THAT THE CLEARING HOUSE SENT THE TRANSFER CREDIT TO CHASE. THE ONLY DOCUMENTATION THEY HAD IS THAT THEY POSTED MY MONEY ON JULY 3, 2007. I FEEL THAT CHASE IS PURPOSELY DELAYING DEPOSITS TO PEOPLES ACCOUNT, SO THAT THEY CAN CHARGE OVER DRAFT FEES . CHASE PUT MY ACCOUNT IN TO OVERDRAFT. I THINK THAT CHASE IS BECOMING INSOLVANT, EVERYBODY GET OUT WHILE YOU CAN.
    HERE IS THE PART THAT FLORED ME. I WAS LATE WITH MY TELEPHONE BILL AND DID NOT WANT TO BE DISCONNECTED SO I MADE A ELECTRONIC CHECK PAYMENT TO MY PHONE CO. ON JULY 2 2007 AT 6PM TEXAS TIME. THE PHONE CO. PUT THE TRANSACTION THROUGH AND THE BANK POSTED IT IMMEDIATLY, EVEN THOUGH I HAVE BEEN TOLD THAT ANY TRANSACTION RECEIVED AFTER THE CLOSE OF BUSINESS WOULD NOT BE POSTED UNTIL THE FOLLOWING BUSINESS DAY AT MIDNIGHT. I NEW MY CREDIT WAS GOING TO POST BECAUSE MY ISSUING COMPANY TOLD ME THAT IT HAD BEEN ELECTRONICALLY TRANSFERED TO THE BANK, AND THAT MY PHONE BILL WOULD BE COVERED. IT WASN’T, CHASE GAVE ME ALOT OF MISINFORMATION
    WHEN TALKING TO CUSTOMER SERVICE , I WAS TOLD THAT I WAS JUST TRYING TO WEASLE OUT OF PAYING MY SERVICE CHARGES.
    IN ADDITION TO THIS I WAS CHARGED AN ADDITIONAL FEE OF 10.00 FOR HAVING AN OVERDRAFT FOR THE MONTH, AND BECAUSE THEY DIDN’T NOTIFY ME OF THIS ADDITIONAL CHARGE IN A TIMELY MATTER, IT AGAIN THREW ME INTO OVERDRAFT FOR THE NEXT MONTHS STATEMENT , TO WHICH , I WILL BE CHARGED ANOTHER 10.00, ON A SO CALLED FREE CHECKING ACCOUNT.
    THE BOTTOM LINE IS, IF CHASE WONT TAKE MY DEPOSITS AT AN ELECTRONIC ATM AND POST THEM AFTER THE CLOSE OF BUSINESS, THEN CHASE SHOULD NOT BE ABLE TO TAKE MONEY FROM MY ACCOUNT IF THAT AMOUNT IS RECIEVED AFTER THE CLOSE OF BUSINESS.
    I WILL BE CLOSING MY ACCOUNT PROMTLY. THE RUB IS THAT TO BE ABLE TO BUY ANTHING IN THIS FREE AMERICA, HUH!!!, LIKE A CAR. YOU HAVE TO HAVE A CHECKING ACCOUNT. I’M ALSO OWN MY OWN COMPANY AND HAVE TO ACCEPT CREDIT CARDS IF I WANT TO MAKE ANY KIND OF MONEY, AND AS YOU KNOW THESE CO’S. WILL NOT SEND YOU A CHECK THAT YOU COULD CASH FOR A 1% FEE ANYWHERE, IT HAS TO BE ELECTRONIC.
    DOES ANY ONE HAVE ANY SUGGESTIONS ABOUT WHAT CAN BE DONE WITH THESE UNETHICAL PRACTICES, OR JUST WHERE I CAN PUT MY MONEY.
    SIGNED PISSED OFF IN TEXAS

23. Huami July 12th, 2007 at 1:54 pm 23

    Wow. Great job.. I was looking for a site that will boycott Chase as well. Exactly, they forgot about customer service. Honestly, if you do well with customer service, you will have more customer putting their money with you, and you’ll then turn that money into more investments and make money for yourself that way, and STOP RIPPING OFF YOUR CUSTOMERS. From a lot of complaints I read about Chase online, it seems like no one likes them. Isn’t it time for Chase to look at what they’ve done to themselves? Recently, my father just opened a home equity line of credit. After they set up and signed papers with us, they told us that a check for a small amount will be mailed to us just to show that we have line of credit set up. When we received the first statement, we saw that they’ve accrued interested from 6/19 when they send out the check on 6/26. While the money is still on their hands, not even close to being deposited and used on our end, we’re getting charged interest. When I called and complained, they told me that they cannot revise interest and that’s just how the policy is. I say that they should start charging us interest from the time that we actually CASHED that check! I just feel like they’re taking advantage and sucking more money out of people who are actually borrowing money because they need to work out their finances. Sick! Boycott them!

24. Suzzanne July 13th, 2007 at 4:52 pm 24

    Chase has the WORST customer service ever. I set up auto-pay and it didn’t deduct. The second I noticed it I went online to pay and sent an e-mail requesting a reversal of the late charge, which they agreed to. I see the next month’s statement and the autopay only took out a portion of the payment, resulting in a late fee and an increase in the interest rate. I e-mailed again asking for this to be adjusted and they said…you were late, promotional APR expires when your late, tough luck. I’m e-mailing them every day until I get this rectified. I WILL NEVER USE CHASE AGAIN!

25. A July 15th, 2007 at 9:03 am 25

    I am so happy that other people realize what how terribly abusive Chase can be. My story began with a low interest credit card used to buy books in college. Little things came up here and there and before I knew it, I had nearly reached my $2000 limit. Working only part time, I couldn’t afford to pay more than the min payment each month but paid it on time every month. As soon I as had established the minimum payment pattern (approx 6 months) my interest rate went from 12% up to 29.99% with only one month, fine print notice. When I called to figure out why they had done this I was greeted with the same rude, condescending asshole that has been described in every other post. There really should be laws against taking advantage of people like that. They suck money from the lowest income borrowers in every way possible. Even now I’m still paying off the debt. I’ve started intentionally paying my bill the day after the statement is released to minimize the average balance for the month. Doing this I’ve noticed that there is over a week in between the due date and statement date. Then several days before they notify you of your statement availability. This is just another subtle way of stealing from you. Thats two weeks of interest they take on the balance and accumulated finance charge every month that they don’t deserve. Slimy, greedy, underhanded… I can’t wait for the day that my balance is paid in full. They will never get money from me again.

    Please spread the word to everyone you know. BOYOTT CHASE!

26. John July 17th, 2007 at 5:24 pm 26

    Chase is the most crappiest bank ever. Their customer service sucks. Screw you chase I hope this company rots in hell

27. Helpdesk Software WebLog » Blog Archive » Mortgage Interest Rates, Let Mortgages and Interest Only Mortgages July 19th, 2007 at 10:53 pm 27

    […] Boycott Chase Bank and Learn What Not to Do In Customer Service … Once upon a time, Chase was a prime lender, and catered to people … His next plan is to ask for all but the $380 and let them figure … them been prosecuted and the most of their loans atleast in mortages … http://www.timeforblogging.com/2007/04/19/boycott-chase-bank-and-learn-what-not-to-do-in-customer-se… […]

28. LoansExpress July 23rd, 2007 at 5:59 am 28

    Wow, I guess I’ll never be taking my business there! And here I thought I was having problems with Wells Fargo!

29. MOKE July 27th, 2007 at 10:21 pm 29

    THIS IS ALL TRUE AND MORE!!!!!!! Chase bank sucks and if people were wise they would listen and make an educated decision base on others problems. This credit card company will send you to the cleaner. Not only do you deal with people that can not speak english but they can’t understand it either. They are so nasty to talk to but to deal with them about being one day late on your payment after sending it 9 days in advance is plain hell. If the person on the other line was in reaching distance from me I would of bitch slapped them-twice!
    Thanks

30. Cathy G July 31st, 2007 at 3:50 pm 30

    I had a very similar experience. I had a Chase 0% interest card. Within 2 months (Not the 13 they said) they raised it from a 0% interest to 8% interest. When I called, the customer service rep said that I failed to pay when I told her I did not that I had paid it on line she said it did not go threw as I put in the wrong bank numbers. I double checked and the numbers were correct they had made the mistake but they would not reverse the charges. Then less than 6 months later it went to 17%. I again called the customer service is the worst in the world. When I asked to talk to a Supervisor I was told “Well the interest rate is going to stay at 17% and there is not a dam thing I could do about it”. I tried to get a supervisor without any luck so I hung up VERY upset. Called back again was then told that I had charges on my account and that they felt I was charging too much. I paid hospital bills with them as I had an unexpected surgery. If I have the credit and I have the money who are they to say I am charging too much when they are the ones who set the Credit Limit. I have filed a complaint with FDIC and the CEO of J. P. Morgan Chase Bank. DO NOT what ever you do go with Chase Bank

31. Dollars Blog July 31st, 2007 at 11:49 pm 31

    I agree totally. Chase bank is a terrible bank. I thought it was just me who had a bad experience.

    -Paul

32. Jack August 1st, 2007 at 12:55 pm 32

    I’ve heard stories of Chase customer service representatives throwing business cards in customers’ faces. They’re entire customer service strategy has a tarnished reputation.

33. A G K Y R A | Boycott Chase Bank August 3rd, 2007 at 12:46 pm 33

    […] of other people, it seems, have had problems with Chase Bank too. Read these posts: Boycott Chase Bank and Customer Disservice. Some of the stories in their comments are hair-raising. Clearly Chase Bank […]

34. chase home mortgage customer August 3rd, 2007 at 6:48 pm 34

    Four years ago I bought a house and the empty lot next to the home. Four months after the closing date, my mortgage was sold to Chase. To make a long story short, they somehow screwed up the paperwork and never paid the taxes on the vacant lot (all was supposed to be and was in escrow with the first mortgage company). A relative, who gets the local paper, sent me a clipping that had my name and address and a sale date for my vacant lot for nonpayment of taxes. I immediately called the county, and said that the newspaper was the first I had heard of the matter. The county told me that the taxes had not been paid since Chase acquired the property. The county clerk insisted that Chase had been mailed statements on a monthly basis and had received the sale documents for nonpayment of taxes for a three year period. I called Chase, come to find out, they entered the lot # incorrectly at the initial transaction and consequently had not been processing any of the tax notices because the property #’s didn’t match in their system…even though my name was on the property as well as theirs! What did Chase do about all of this? Raise my escrow $100 a month from here to eternity to cover the late payment fees, interest charges, legal fees, etc… and what did they do when I asked them how they intended to alleviate some of my shame for my name appearing in the local paper for nonpayment of taxes? Nothing, not even a “sorry” just, “If you would prefer to find another lender mam, please do so”. I didn’t want them in the first place. Hate Chase? Yes, without the flames of a thousand suns.

35. chase home mortgage customer August 3rd, 2007 at 6:49 pm 35

    Four years ago I bought a house and the empty lot next to the home. Four months after the closing date, my mortgage was sold to Chase. To make a long story short, they somehow screwed up the paperwork and never paid the taxes on the vacant lot (all was supposed to be and was in escrow with the first mortgage company). A relative, who gets the local paper, sent me a clipping that had my name and address and a sale date for my vacant lot for nonpayment of taxes. I immediately called the county, and said that the newspaper was the first I had heard of the matter. The county told me that the taxes had not been paid since Chase acquired the property. The county clerk insisted that Chase had been mailed statements on a monthly basis and had received the sale documents for nonpayment of taxes for a three year period. I called Chase, come to find out, they entered the lot # incorrectly at the initial transaction and consequently had not been processing any of the tax notices because the property #’s didn’t match in their system…even though my name was on the property as well as theirs! What did Chase do about all of this? Raise my escrow $100 a month from here to eternity to cover the late payment fees, interest charges, legal fees, etc… and what did they do when I asked them how they intended to alleviate some of my shame for my name appearing in the local paper for nonpayment of taxes? Nothing, not even a “sorry” just, “If you would prefer to find another lender mam, please do so”. I didn’t want them in the first place. Hate Chase? Yes, with the flames of a thousand suns.

36. Best Bodybuilding Supplements August 8th, 2007 at 6:39 pm 36

    I knew someone who worked at Chase. The upper management actually condones some of their behaviour. Boycott Chase!!!

37. Geoff Davidian August 18th, 2007 at 7:04 am 37

    I am suing Chase Bank in Milwaukee for taking insufficient funds fees when funds were always available. Plus, they started taking monthly fees I didn’t owe. The court is letting me sue the bank manager individually as well as the corporation. Unfortunately, I am representing myself, but I’ve stayed with it for more than a year. The judge has ordered the bank to turn over the records of everyone else they have screwed, but I have not received the documents yet.

    I wrote a story about the bank and am posting other informartion at http://www.putnampit(dot)com/shorewoodvillage/Chase/banker(dot)htm

    I say, hold them accountable.

38. Adult August 20th, 2007 at 5:29 am 38

    WOW that’s unbelievable - i don’t really deal with chase but i would of closed the account right then. Somone probably would of called in the next couple of days begging you to reconsider.

39. MD Refinancing August 22nd, 2007 at 2:42 am 39

    It does create an interesting dilemma though: I used to have a retail business and know all too well what it’s like to have customers who just aren’t worth dealing with. But the one time I really told off a customer, that customer happened to work for a TV news station and was a member of some major media forums online. Sometimes it’s a tough call.

40. Tina August 22nd, 2007 at 9:40 am 40

    Yes, Chase Bank is the worst I ever had to deal with. The customer service is full of shit and a stupid ignorant fools. They are rude, unhelpful, and useless to deal with them. This a–hole Kingsley if that’s his real name told me that he can do anything to fix my account. I place an online payment and everything went find according to their online payment system. A week later I found no payment was made to them like I never made a payment so I paid again but this time it said my account was late. I call them to see what they can do about it, and that’s when all hell broke loose. This jerk Kingsley was rude, and said that he can’t change the rate back forever…(I thinking what the hell do you mean forever?) Not going into detail he continue to be an ass so I wanted to talk with a supervisor and he said the supervisor will tell me the same thing, he would not let me talk to one. Then finally he said he will get a supervisor and after 5-10 minutes a supervisor came on and sound like the same a–hole Kingsley. So I ask him to speak with the manager or another person above him and to my surprise he yelled at the top of his lungs “I am the biggest one and no one is above me! There’s no one else!” I couldn’t believe what I was hearing. This jerk was just a little monkey and hell there are other people above him but he didn’t let me speak to them. I hung up and call back and got the same crap from there customer service and billing specialist. I made about 5 or 6 calls that night and got the same answer and crap with them. So I just got tired of dealing with these stupid people and got with another company. After 10+ with these bastards, this was what I got out of them nothing, rude services, rude customer services, and no help to resolve this probem.

41. Dee August 29th, 2007 at 3:45 am 41

    CHASE SUCKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    They have a hole in their security for debit cards that allows unauthorized charges. Now I am overdrawn and have no money because someone else is using my debit cards.

    CHASE SUCKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

42. John Rittsenberger August 29th, 2007 at 4:41 am 42

    Chase Bank Sucks. They told me that my payroll check will not be fully deposted for 4 business days. They made $100 the next business day, but have to wait 3 more days for the rest. Great, $100 out of close to $3,000. That does me a lot of good. I’ve never heard of a bank not making an entire payroll check available within 2 business days at the most. Every other bank I’ve been with makes it available usually next business day. Of course, my account is negative and they keep paying things that are coming in and tacking on the fees (up tp $200). They are posting transactions from over a week ago now just to get more fees from me. This BY FAR is the worst bank I’ve ever dealt with and I will NEVER use Chase once I close this account for anything. I don’t care if I am out of money and the only ATM around is Chase. I will NEVER use chase again.

    And I hope you all boycott as well. I am going back to my small hometown bank, which goes out of its way to make the customer happy, unlike chase.

43. Physic August 30th, 2007 at 4:32 am 43

    I am starting to notice a trend here. AT&T was just in the news for telling its constumers to cancel their accounts when they were having issues.

44. Sunset Pearl September 3rd, 2007 at 4:44 am 44

    Chase must have just about the worst customer service I have ever had the misfortune to encounter.

45. Phil September 3rd, 2007 at 2:31 pm 45

    I can tell you why they told you to close your account, you probably pay your balance in full and don’t accumulate interest. The bank is losing money on your account so they proactively ask you to close the account so they can stop losing money. The only time a credit card company makes money is if you pay interest. If you pay off your balance every month-they DON’T consider you a good customer because they can’t make money. I’m not saying this is right…I think it’s bad but it is the reality.

46. steve September 25th, 2007 at 7:47 pm 46

    My bank where I have my checking account, is a large nationwide bank. They will not verify the funds on a Chase check because they have nothing but problems with Chase. I used their online payment center to make a payment. It never went through. I did not know this and nor was I notified. Therefore my check I wrote to cover a large purchase was sent back to Chase two weeks after it funded in my bank account. Because my couldn’t verify my Chase check, I overdrafted my checking account 2k and had $230 in over draft fees. My bank won’t take another Chase check from me because the last one was no good. I found out the money was gone when my check card from my bank wasn’t accepted at a Starbucks I frequent. Every Monday, I check my bank account. $3k yesterday, -$2k today. I asked them to wire the amount to me and they can’t after 12:45pm Pacific time. Wall Street doesn’t freaking close until 1:30pm. Chase offers extended our until what 10pm but can’t wire money after 12:45pm Pacific Time?

    I have one credit card with an empty balance and a line of credit. I am going to move that credit line and dump Chase. My bank would be happy to have me as a customer…

47. Dawn September 26th, 2007 at 12:10 pm 47

    How about this one? I have had my Chase/Amazon Visa for a little over a year at 17.9%. A couple of months ago they sent a postcard in the mail (something that looked like Junk Mail) stating they were raising my interest rate from 17.9% to 29.99%. Not because I was late on a payment, not because I was over my limit, just because they can! The only way to avoid the increase is to close the account and I can finish paying off the balance at 17.9%. Talk about a great way to drum up business! It seems like their goal is to eliminate as many of their customers as possible. What possible reason would they have for wanted to get rid of me as a customer. I haven’t paid off the balance each month, they are making money on the interest, I’m NEVER late, don’t go over my limit.
    When I called about this, the CSR was trying to offer me some kind of deal that if I purchase something through one of their affiliates they could keep my 17.9% rate. My other option was to pay on time for 12 months at 28% and then after 12 months they would return it to the 17.9%. I asked to speak to a supervisor and asked how long have I had this account, she answer, “over a year”. I asked if I had ever been late with a payment in the past 12 months. She said, “no”. I reasoned that, I had already paid 12 months on time. She didn’t answer. She didn’t care. And bottom line, I could drop dead. She couldn’t answer any of my logical questions because she has to follow company protocol. It’s not really any of the customer services employees fault. It’s the big wigs who are trying to please the stock holders and make as much money as possible. The only thing that confuses me, is why they are encouraging the consumers to stop doing business with them or why they ever gave me the card in the first place if they don’t care to deal with us “small fries”.
    I am in a business where most of the customers pay with credit cards and when I see a Chase Card, I share my Chase story with them and warn them they may want to stop doing business with Chase BEFORE Chase decides they may not want to do business with them. My next form of complaint will be in a video taped message on You Tube. Although unlikely, seeing Chase go bankrupt would be sweet.

48. Dick Levesque September 26th, 2007 at 2:33 pm 48

    Apparently this is spilling over to Chase/BP also. I have tried calling them on their 800 number and there is no option to talk to a human. Today When I filled up the truck the CC was denied so I paid it by check. When I got the 800 number and pressed the option for account status it said that nothing was owed and had a 3 figure credit line. I went online trying to get a customer service number to no avail. I called the station back later to see if they were having trouble with the machine and/or if anyone else was denied and was told we were the only one. Nice service after 13 years!

    We will start using other cards even though it will be slightly more inconvenient.

49. Paul Quigley October 31st, 2007 at 5:36 pm 49

    After falling on tuff times as an appraiser in NY. Chase guided me down a path of High interest rates late fees and bad credit. I think this is what they do to all their customers. Now I have someone investigating what appears to be mystery charges and the mishandling of my tax escrow account. I pray for the day I can shake these crooks loose.

50. David November 6th, 2007 at 2:42 pm 50

    Hey everyone, I would like to first say thank you for taking the time to read this, if you don’t agree with what I’m doing, then keep it to yourself, but if you would like to help out it would be great to hear from you.

    My name is David Hilborn; I am a 22-year-old professional artist from Chicago now currently residing in Northern Arizona. I am currently confronting my own issues with Chase bank.

    After doing lot’s and lots of research, I have com across that many, many, many people (this is the most well known bank worldwide, so you can understand what I mean by “many”) are being affected by Chase banks interest rates on their credit accounts. While researching I considered myself a very lucky person with a small debt that I am having an insanely hard time reconciling with the bank, but this isn’t about me.

    I have found disturbing testimonials of families losing health care, their homes, cars, not being able to afford food because of small-inquired debts caused by skyrocketing interest rates put on them by this bank. These are people who have great credit and miss one payment and their rate goes from 7%-27.49% or higher, causing them to plummet into a whirlwind of never-ending debt.

    This is a Corporate Giant, which is quickly turning into a monster. I am only one person, but after reading these stories I have defiantly put aside my own feelings on the subject and I want your experiences. This instantaneously became a battle for the rights of people more then my own personal battle.

    So what I am doing is building a new body of work called “Corporate Monsters”. I would love your input into the current painting I am working on.

    And yes the body of work will be shown to the public.

    I am currently painting my own rendition of Michelangelo’s “The Last Judgment” replacing the figures in heaven with CEO’s of Chase bank, and rendering the figures in hell with people who have been severely effected by the banks overzealous rapaciousness.

    If you would like to put in your two cents to the painting you may E-mail me at davidmhilborn@yahoo.com.I want this painting to be a collective work constructed by the people who have been affected, big or small

    Thank you again for your time and I look forward to talking to some of you

    All things good

    David Hilborn
    davidmhilborn@yahoo.com

    P.S. All violent negative E-mails will be disregarded…if your not going to fight for a cause don’t try to sabotage it.

51. OneMoreFrustratedChaseCustomer November 16th, 2007 at 12:33 pm 51

    I too had similar experience today.

    I was lured into their payment protection plan few months back. Couple of months back I called them to cancel this payment protection plan as it was costing me a lot. So they said before canceling, why don’t you try 1 month payment holiday feature. They activated this feature. (9/15/2007)

    Sure, next billing statement it showed I don’t owe anything. Statement due date was 10/27/07.

    Today I received next statement, which I intended to pay in full as usual. But I saw some $60+ finance charge at ridiculous rate, plus payment protection charges of $40 plus $15 late fee for another card that was also part of payment protection.

    Naturally, I called payment protection explained what happened. The rep said she understand surely there was some misunderstanding and finance charge issue was not communicated to me properly, she can only take $40 of their charges off (it will take 1 -2 cycles to show up on my statement). But I have to call Chase directly to waive finance charge.

    I talked to chase rep and his manager. They kept repeating - since I did not pay my last bill, I owe them finance charges. I told them since you sent me a statement saying I don’t owe you anything I did not pay you anything. I have been paying my charges in full every time. Tried to explain the reason. But apparently, they do not believe in human decision making. They told me I have to talk to Payment Protection services directly to take these charges off. Even when I told them I just spoke to the rep from that service they kept saying they can take that off. Apparently, the Payment Protection Services - which is third party vendor of Chase, has access to your chase credit card information as well as means to apply credit or debit charges to your account.

    In the end, frustrated, partly blaming myself not deciphering fine prints in those huge agreement documents and signing up for any additional ‘Serviecs’. I said, would you not mind losing business? Reply was would you like to cancel your card today?

    Wonderful world of chase customer service.

    I should have read this posting before..

    NeverToBeChaseCustomerAgain

52. gulfstream November 18th, 2007 at 10:47 am 52

    I’m unemployed….getting benefits from Texas unemployment. They use Chase debit cards for their payments to claimants. I’m $700 short in my account and Chase isn’t doing much at all to help me out. What a rip….

53. element November 19th, 2007 at 6:23 am 53

    the worst customer service and the worst policy.I will boycott them and close my account.

54. Overseas Property November 20th, 2007 at 1:26 pm 54

    Customer service and going the extra mile are undervalued sometimes.

55. Frank442 November 27th, 2007 at 10:05 am 55

    This is a good blog page. I am a Chase customer waiting for the National City Bank across the street to open so that I can move promptly. NCB seems to have good customer service and good policies. It seems many here have identified the problems with Chase bank which I concurr to be dishonest and should be illegal. Does anyone have enough knowledge about banking law to make an intellectual suggestion as to how we can do more than just a handful of people boycotting them? Bad customer service cannot be made illegal, but what about posting debits before credits simply to intentionally bounce our accounts. Boy, would I like to have all the money back that they have stolen from my children’s dinner table through dishonest policies. It would literally equal thousands of dollars.
    What about drawing people to credit cards with low interest promises just to change the rate after a late payment. Just the other day I deposited a check made out to me from another chase customer and they held that check for an entire day and did not make the funds available until the next business day. Does this mean that if I had just tried to cash the check they would’ve refused even though I have an account with Chase and so did the writer of the check?!!! When I called Customer Service they said that if a debit posted that evening, they would pull it immediately. Funny how they have the technology to debit immediately but they don’t have the technology to credit right away. At NCB their policy is to check availability of funds and give you the money immediately. I pray that every person considering opening a Chase account will read this site and reconsider. JPMorgan, you are a common thief. I wish you many nights of restless insomnia.

56. Eugene November 28th, 2007 at 8:46 am 56

    Yes, I’m agree with all the complaints here and share most of the experience with people in this post, and for years had my credit accounts abused by Chase and other banks, that practice the same predatory business. I think they all should be suied big way, for intentionally confusing ads and terms of service, for rude and unhelpful customer service, and most inportant here for conspiring to jack up interest rates in all account in other financial institutions that you have the debt with if you defaulted (for any reason) to pay in one. Conspiracy of major banking institutions - pure and simple. If you compare their terms of service they are all alike, that’s another proof of their monopolistic, price/interest rates fixing hold in credit business. Their requirement to take all the complaints somewhere else instead of court is illegal. I suggest boycotts, mass lawsuits, whatever works to change these monsters, at least to expel their present CEOs and change the policy and business practices or get them out of business altogether. They create intolerable life for so many people, who have no choice but borrow the money, because of the bad economy. Fight the thieves!!, there should be no place for them among the CEOs and other high officials. They are ruining our lives, our families, our country.

57. Jeff November 28th, 2007 at 4:37 pm 57

    This company Chase cares nothing 0000 about their customers, been with them for 15 years ,Horrible customer service even worse from the managers, Rep I talked too said she hears this day in day out but can not help. i closed my account

58. Keith December 5th, 2007 at 8:43 pm 58

    Here’s another good one. Several weeks ago I got a credit card offer from Chase/ United Mileage Plus offering a 0% rate for the life of any balance transfers. Yeah, I know…”way too good to be true…you should have known better”. So when the notice came that I had been approved I called customer service immediately to confirm, “Is this really 0%? For the life of the balance?” On two separate occasions I was told over the phone, “Yes, you have a 0% interest rate.”

    Based on those confirmations I authorized the balance transfer and assumed I was on my merry way. So imagine my chagrine when I see my first statement and BAM, 17.49%! I called customer service and said I want to listen to the tapes of the 2 phone conversations in which a Chase rep told me I had a 0% interest rate. I was totally stonewalled and told that it didn’t matter what I was told over the phone because the only thing that matters is what is in the written agreement. I suppose there may be some legal validity to this, but it sure feels an awful lot like bait and switch, actually I feel completely defrauded. I was told the phone records would be searched and a response issued to me within 1 week, but that I would not be allowed to listen to the conversation. All it will be used for is internally dealing with the rep who “misinformed” me…he will probably get a big “attaboy”!

    Does anybody out there have any knowledgeable idea if I have any reasonable legal recourse here?

59. J.E.David December 18th, 2007 at 7:04 pm 59

    I absoluting agree. Chase sucks in customer service and I`m not use to that being from a small mid-western town. I paid my bill in full and they turned around and tagged me for 24.65 in interest for two weeks.
    I paid them thousands of dollars at once and when I went to question them about the extra charge they were down right nasty. `Well you know you have to pay interest for the two weeks you owed. I said that all that I paid over the years and never late, couldn`t they have forgiven that lousy interest. `She said we forgive nothing because we don`t have to. Never CHASE again. I wish there was a V.P. I could call. Anybody know one???????

60. Eliz December 21st, 2007 at 2:04 am 60

    I happen to be an employee of Chase Bank. I first want to point out that in terms of customer service, it’s not the company you do you banking with rather the banker you work with. So all you people who have called the customer service line, please do me a favor and go to your bank’s branch and establish a relationship with a banker, there are several at every branch.
    In terms of interest rates on credit cards getting jacked up and fees and low credit limits, the answer is simple. Make your credit card payments on time, the consequences of not paying on time are in the card agreement. If you have a low limit, you either have suffering credit or are over extended on other credit obligations with other banks.
    Interest being charged when you paid your balance in full… did you by chance have an overdraft sweep on your checking or do a cash advance?
    These are just examples, and I am not trying to sound rude, but the point is to please go in to a local branch and sit down with someone to discuss your issues. I will agree that sometimes customer service reps on the phone can be a little harsh.
    I will say I am proud to work for Chase, and I take great care of my customers no matter what their financial situation. In fact, I just last week sent out Christmas cards to all my customers. Takes me back to my original point, it’s not where you bank it’s with whom you bank.
    Merry Christmas

61. Mike December 28th, 2007 at 11:09 am 61

    Wow Eliz you rock. Doing buisness over the phone is extremely difficult. Your talking to people your have no relationship with and if you sound harsh and take your anger out on them it going to back fire and they are going to be harsh back. If you are treat people the way you want to be treated they will treat you the same. But we need to look at both sides of every story. Did you agree to something and hold up your side of the bargin. Yeah defult sucks but its something you bring upon yourself. There are consequences for every action. Sorry, thats how life works.

62. gary December 28th, 2007 at 9:12 pm 62

    Eliz - GREAT CUSTOMER SERVICE IS SENDING CHRISTMAS CARDS! Are you outta your mind???!! You get fees for a service - give that service. You work for Chase - so do the reps. ONE BANK! ONE ORGANIZATION! ONE FEE PAID TO CHASE AND…. ONE FINACIAL STATEMENT REPORTED ON JPM CHASE. So spare us the pedantic cr*p and BS. You and everyone else there are in the service business. And we pay ridiculous fees for your colleagues to abuse us?

    I have spent an hour and change online tonight looking for customer service numbers - ALL OF WHICH SAY: 6am to 12am yet when I get into the automated response system, I hear: “We are now closed please call back during normal business hours.” WTF? I STARTED AT 8.15pm.

    Honestly, there is absolutely no excuse for the horror stories outlined here and elsewhere. AND THEY ARE GETTING WORSE. If this continues - people are going to make a boatload of money shorting JPMChase stock. If Chase does not want to be in retail banking GET OUT! Today is December 28th. I made a deposit on the 20th of December - NOT A SINGLE DIME HAS HIT MY ACCOUNT AND I CAN”T FIND ANYONE TO SPEAK TO. I SEE THE DEPOSIT SLIP; I SEE $0 in UNCOLLECTED FUNDS – BUT I SEE NO DEPOSIT IN MY ACCOUNT WHERE IS MY MONEY? AND YOU ARE TELLING ME TO GO INTO A BRANCH - HOW THE F DO I DO THAT WHEN I BARELY HAVE TIME TO GO TO THE BATHJROOM DURING THE DAY???!!! I have been with Chase for 20 years. I have a decent relationship banker - and believe me- I am an account most banks want. But even the relationship bankers are getting slack - taking days to return calls or respond to emails.

    ELIZ- you may feel the need to be loyal and defend Chase - wake up and smell the coffee. As someone who chose to leave banking after doing pretty nicely while there – let me tell you that you are just a number – Chase will not be loyal to you. Chase does not care about you, the same way that Chase does not care about their customers. Rather go get a job while you can make that decision before they make it for you. That day is coming for many Chase employees if this is how badly service levels have deteriorated. Get a life. There is not one positive post here and you try and placate people with Christmas cards!!! Seriously - “Blank Space = Chase” will make “Dell Hell” look like a kindergarten party. And if Chase’s PR department is unaware of “Dell Hell”, they should be fired immediately. Chase has a huge problem on their hands by the looks of these threads. This thread started on April 19th and the first Chase response is on Dec 21st!!!!! NINE MONTHS BEFORE ANY CHASE RESPONSE????????? AH - I BET YOU WERE NOT AUTHORIZED TO SPEAK ON BEHALF OF CHASE!

    HONESTLY – COULD NOT AGREE MORE WITH THE SENTIMENT EXPRESSED HERE - CHASE SUCKS!

63. Bob Nelson December 30th, 2007 at 8:25 pm 63

    POSITIVE POST
    I have been with CHASE for a couple years now. I have a credit card, 2 bank accounts and I will be using their merchant services soon. So far, CHASE bank is the BEST bank I have ever done business with. Even when I am out of state, I send my deposits by mail.

    For all of you complaining about CHASE:
    If you manage your money and don’t think everyone is out to get you, then you will have no problem banking at CHASE. If you do have a problem, then call customer service, stay calm, and work with your rep to solve it. Remember that next time you harass customer service.
    I do not work for CHASE and never have, I’m a customer.

    P.S. To Gary, If you stop causing waves, then you will have good customer service and solve your problem.

64. Sara D January 1st, 2008 at 1:06 am 64

    Chase and the state of Wisconsin opened an account for me that I specifically said I did not want. There is Nothing I signed that gave them permission to accept child support payments into an account. I never spoke with Chase bank or gave them any typical personal banking invormation. Other local banks I have asked about this all say that One can not start an account for another person, yet Chase and Wisconsin have done that for many. I have tried many different ways to contact Chase and close that unwanted account, but their customer service is so poor I can not seem to even find a human to speak to. All I have found is recordings and web pages. So here they sit holding my money that I can not get sent to me unless I acknowledge an account that is not mine. Any others out there in this situation I encourage you to take a stand. This bank and new state policies have crossed some boundaries that the average citizen assumes is safe. Chase even sent me a policy explaining how they will take fees out of my money that got wrongfully placed into an unwanted account.

65. RM January 3rd, 2008 at 8:49 pm 65

    My wife and I have had a Chase Mortgage account for about two years now. Last August we slipped and a payment came back ISF. OOPS SORRY. We paid it, late and with late fees. We have been current ever since. Our bank records and even Chases’ Monthly Statement/Premium Notice says we are current.

    SOMEHOW their dept collections, the phone drones who call at dinner time, got STUCK in August and even though they tell me they have solved it and will NOTE MY FILE it never happens. The next day, they are calling again. Some days they call six or seven times. Each time you tell them that you just spoke to one of your monkeys and was told, by you, that we are current…SO WHY ARE YOU CALLING ME 6 AND & 7 TIMES A DAY IF MY ACCOUNT IS CURRENT???

    It has taken every bit of patience and explaination to get us this far. Dealing with the lunacy of a bank that can’t add and a phone deptment that can’t pull there head out…and the supervisors…are the worst. We have been harrassed now for 5 months. We have spoken to anyone and everyone who picks up a reciever at that place and have gotten NOWHERE! They don’t even have a branch office to walk into. So now what do I do? I can’t get them straight over the phone, no branch offices to visit…Now I want to consult an attorney. If enough of us get together it is called CLASS ACTION!

    By the way…isn’t Chase in the banking industry? They sure can’t add and substract well. But then look at the shape they left the housing/financing industry. SHAMEFUL!! We will be paying for that one for quite a while. Maybe a CLASS ACTION suit will force them to give some money back.

66. RM January 3rd, 2008 at 9:02 pm 66

    FRANK442:

    Don’t do it MAN!. National City is another Chase in a different wrapper. Do some internet research first.

67. Clara Eanes January 5th, 2008 at 9:39 pm 67

    I too am having trouble with Chase Bank. Today I tried to cancel the credit card as we don’t need or want it. Customer Service won’t do anything to help me. I explained that my husband has had a stroke and canot read anymore or see to the right. They told me that my name was not on the card but my son’s name and my husband name only is on it. I have to either have my husband call and cancel the dard or I have to have a power of attorney. My son does not have a Chase card but he gets mail from them addressed to us at his house in another part of the state. My husbnd cannot do anything as he is in the hospital with cogestive heart failure. Very frustrating

68. Insider on the inside January 17th, 2008 at 1:47 am 68

    I work for Chase and Josh I understand why you are complaining. I looked at everyone’s complaints here and I can see the frustration. I used to sell payment protector. We have an incentive structure. Was it a fee you were calling in about? If you call in about a fee a representative will use the late fee or overlimit fee as leverage and if you don’t buy the product you don’t get the fee waived. They also look at your profit level. you can be with the bank for 30 years and they don’t care. They look at your profitability. Someone that pays their balance off each month won’t get a thing waived. I still think some of it is crooked in the sense that some reps don’t learn to have a gray area. The gray area can create better customer service.

69. John January 27th, 2008 at 9:07 pm 69

    Very cool blog. I had ONE good experience with Chase, but that was it. Most recently it has been a horror story! December I sent them a check with a note attached saying “do not deposit until the 28th please” Well January 4 I get a letter and my check back! There letter said “we do not accept payment arrangements, future payments or hold checks” so they returned my check with the Chase stamp dated YEP 12/28. So they received the check on the 28th (according to their stamp) but sent it back. A rep called on the 7th asking for payment and I explained to what I noted above and told him I would get a check out by months end. That meant I was NOW past due for December, January. My original check was for Dec/Jan, figured I get an extra payment in for tax reasons. Now I’ve talked to them 3 different times this month and they call me everyday at home and on my cell, so I started to ignore them. Today my dad calls from Boston (I live in Florida) saying they called him, then my neighbor comes over this evening telling me they called him asking if the house was empty did I still live there and so forth. They roped me in when I took out my line of credit with them, THEIR appraiser did the apprasial and their loan person came to my house to close the doc’s. I went to refi with them after we put on a 50 foot deck, pool, whole house generator, remodeled a bath and put in 4 sets of french doors, the new apprasial came in 18K less than “their” apprasial. The appraiser said he was indepentant and they probably inflated the first one to close the loan. Now I’m on the hunt for others that had the same experience with apprasials, that’s how I found this blog looking for people with similar experiences.
    Good luck!

70. Snowfire February 1st, 2008 at 11:53 am 70

    That doesn’t surprize me, I am a customer since NBD turned to Bank One turned to JP Morgan Chase, since the 1970’s and even though my closest branch was over 60 miles away, I stayed with them for the last 11 years after I moved up to north MI, and did all my banking through the mail. They had a manager at a local branch down state, my grandmother, and great Aunt introduced me to him years ago, and it was he that opened my first bank account back in the early 70’s, he is a wonderful person great with the customers, as well as the bank staff. Everyone liked him, but because of some stupid policy, that was changed without his knowledge, he handled for some people, as he had always done in the past, he got canned after 35 years!!!! This only happened a few days ago. Just where is this banks integrity? I wrote to the CEO, Jamie Dimon, but I think they put my letter under a ball park plate some where out in left field. I am looking now to change banks after being with them for about 30 years, unless they straighten this out with Joe S. and give him back his job. Of course Chase is not letting Joe’s cts. know about what happened. I found out exactly what happened, and believe me it was an easy oversite that anyone could have made. This bank, Chase needs to relize that a company is only as good as it’s employees, and it’s customers is what I say, Otherwise, they have no business even doing business with the public.

71. CHASE EX EMPLOYEE February 2nd, 2008 at 6:15 pm 71

    ATTENTION: IF YOU WERE A PRIOR CHASE EMPLOYEE WHO FEELS THEY WERE HARRASED, RETALIATED, DISCRIMINATED OR WRONGFULLY TERMINATED OR SIMILAR. I AM GATHER LEADS TO START A CLASS ACTION LAW SUIT. REPLY PROMPTLY TO DOWJONESUP@YAHOO.COM…

72. Rock February 5th, 2008 at 5:48 am 72

    I hate to take the time to repeat what I have written so many times already but will do it using as few words as possible.
    Chase wouldn’t accept my July 07 payment because they said the loan was turned over to their Lawyer for Foreclosure. They said they hadn’t received a payment in 2007. I paid my bank to research and pull all the canceled checks and copy both sides for me. OK, they’re happy now. Just pay our $1300.00 Lawyer Fees and all will be fine. IF THEY DIDN’T TAKE MY PAYMENT AND PUT IT IN AN ACCOUNT THAT WASN’T MINE, THEN WHY SHOULD I PAY THEIR LAWYER FEES? Bottom line I got from my Lawyer,”You either pay or they are taking the house” That bank SUCKS!

73. Karen February 8th, 2008 at 11:51 pm 73

    Chase has the perfect name and concept–THEY MAKE YOU CHASE YOUR MONEY. Something has to be done. I’ve been over paid on my mortgage 4 months in advance, but yet I’m charged a late fee every month because they post the payment at the end of the month. Something has got to give!!!!!

74. Karen February 8th, 2008 at 11:52 pm 74

    Class action lawsuit anyone?

75. Snowfire February 16th, 2008 at 2:34 pm 75

    “their favorite line, “no responsibility is accepted by

    JPMorgan Chase & Co.” ROFL, so, where do we go with our money folks What about some of those credit union coops? They haven’t done a thing for poor Joe S. he was loyal to these people for 30 plus years, and was treated like …., no one listens, nor does Chase even care, here is a guy nearly ready to retire, home making Resumes! Chase doesn’t give a darn, letters to them are virtually ignored, all sent to same secretary. So, Chase cares nothing for it’s own employees, nor it’s customers, it’s a real lemon of a company, and is turned very sour.

76. Charles Echols February 23rd, 2008 at 7:45 am 76

    And here I am thinking my wife was the only one having problems with Chase!!
    Someone was her account number and they lower her credit line while raising the interest rate. Added over the limit fee late fees even thought we could not make payments because her org account was closed . Tried talking with the company customer (do they know what it means) service person. Was talked to like she was trash and a dead beat no count. While waiting to resolve the issue letters and phone wanting their money even thought they will not acknowledge the letters we send about the whole issue.
    Does anyone know how to get in touch the CEO of Chase Card Services Gordon Smith

77. Giovanni Martinez February 26th, 2008 at 1:11 pm 77

    Pattie Jannarone: you are right that is the exact reason in angry at chase and therefore am closing my account tomorrow. i believe the boycott must go on.

78. AnotherUpsetCustomer February 27th, 2008 at 9:10 am 78

    I closed my credit card account with Chase today. With a 0 balance, but with balances on other cards I requested a balance transfer deal. I have several other balance transfer options from other cards, and wanted to see if Chase would at least meet these other offers, or beat them. They refused to do so, and suggested that I close my account. So I did.

79. richard l davis February 27th, 2008 at 10:36 am 79

    I know what you are saying i have a morage with them I cant what it its gone lets boycot them good luck

80. Celebrity Foods February 27th, 2008 at 2:57 pm 80

    Wow, all I can say is thank goodness that I closed my account with Chase years ago. I refuse to do business with any company that doesn’t stress GOOD customer service unless I legally have to. good luck to all of you who are fighting for your money.

81. Michele Gerstel Costello March 3rd, 2008 at 3:22 pm 81

    Love your site. You should send a copy to Gordon Smith (Pres of Chase Visa) in Wilmington, Delaware. If he’s worth his weight as a CEO, he will read it and do something about the abhorrent customer service his division displays in dealing with every day consumers (his customers). Perhaps this is an indicator of the poor judgment used by the division that got them neck deep into the subprime mess?

    It’s dirty dealings, and customers should start complaining and acting accordingly (eg: support small local banks where you can actually interact with humans who aren’t being recorded and can make sound judgment calls based on individual needs). That’s my plan, go local.

    Again, thanks for the site, rather insightful about bad business practices.

82. claudia lee March 8th, 2008 at 6:32 pm 82

    SORRY PEOPLE, CHASE BANK HAS BEEN HERE FOR ME AND MY
    HUSBAND FOR 12 YEARS, RECENTLY SOMEONE STOLE MY IDENITY
    AND USED MY DEBIT CARD IN CALIFORNIA AT XMAS FOR 500.00.
    CHASE IMMEDIATELY CONTACTED ME AND RETURNED THE MONEY
    IN MY ACCOUNT IN 48 HRS. AGAIN TODAY MY HUSBAND LOST HIS
    DEBIT CARD, IN LESS THAN 3 HOURS, IT WAS USED TO DRAIN MY
    ACCOUNT OF 1500.00. CHASE WAS WATCHING MY ACCOUNT AND
    ALERTED ME THAT EVENING. THIS MONEY WILL ALSO BE REPLACED
    IN MY ACCOUNT WITHIN 48 HOURS. GOD BLESS CHASE BANK AND
    ALL THE REPS I TALKED TO. THEY MADE ME FEEL IMPORTANT AND
    ALSO CALMED ME DOWN. IT YOU PEOPLE DO WHAT IS RIGHT, PAY YOUR BILLS ON TIME THEN YOU MAY HAVE A GRIPE. IM LUCKY TO HAVE
    A BANK THAT WATCHES OUT FOR ME AND MY MONEY.
    HAPPY IN MICHIGAN…..

83. Snowfire March 9th, 2008 at 10:05 am 83

    Well Claudia, I use to like them too before they fired a life long friend of mine, for No Good Reason, he was with them for over 30 years, and very close to retirement. They are losers now as far as I’m concerned, and as soon as I can I will move whatever I have going with them. I was giving them a chance to rehire Joe S. but they don’t seem to be doing so. I and a few others have written to Jamie Dimon the CEO of Chase Bank, all I got was a reply from some person in my own state, they have done NOTHING!

84. ozzie March 9th, 2008 at 9:21 pm 84

    chase is a horible bank i have a credit card with a 2500 limit and i had a balan of 900 and they dropped my limit by 500 then when i callled they werent able to tell me why they dropped the limit and when i asked what could be done about it i was told if i dont like having a card with chase close my account this was real recent 03.03.2008

85. ozzie March 9th, 2008 at 9:21 pm 85

    chase is a horible bank i have a credit card with a 2500 limit and i had a balan of 900 and they dropped my limit by 500 then when i callled they werent able to tell me why they dropped the limit and when i asked what could be done about it i was told if i dont like having a card with chase close my account this was real recent 03.03.2008 horrible bank stay away from them

86. bill March 10th, 2008 at 6:42 pm 86

    guess what i let chase pressure me into giving my card number to them and guess what they did not only did they take out one car payment the next day they took out another when i asked them why they did it they said that i was due in 10 days so they took it upon themselves to take another payment out not only did they over draft my account they threatend to take back the car after asking them to return the one payment they directed me to customer service and they said that once the payment was made they could not return the money so i went to my bank and stopped both payments not only did they return one they also returned another and suddenly i wasnt behind on my payment anymore they 5 days later i got a call saying i was three payments behind so i told them if they did not rectify this problem i would park the car at the bank and mail them the keys the next person on the phone got upset with me and told me to make arangements for the two payment i now owed them and ill make the late fees disapear i said bull you will take the two payments and i paid cash the next time and i had very little trouble with them after that note: here is what you do never say come and get my car they will do it in a heartbeat they will sell it at auction and for only 500.00 and guess what you are responsible for the balance no matter what you tell them that if they want you to continue making payments they should at least let you get some kind of payment to them if they say that its not enough you ask them if they are refusing payment and record every conversation with them and get name dates time you called and make copies copies copies then they cannot say that they did not have that conversation with them they record everything you say and they will only use what is good for them remember they only want your money they do not care about anything else.

87. What a Sorry A@# Bank March 14th, 2008 at 1:58 pm 87

    A was a customer of Chase for 13 years.
    One day I deposited a check into an ATM machine and a few day later I get a letter stating they were closing my account. I called the sorry customer service line and was told that the account was being closed becuse the check that I had deposited had a experiation date on it and it was past that date. So I contacted the Manager at the branck where I live at and explained that I had no idea the check had an experation date and it was an honest mistake. So said she would find out what she could do and called back the next day. She called as promised and said they would run the check thru the system and as long as the check cleared they would reopen the account. Well the check cleared and they still closed the account. For no apperent reason. So what is the motive of Chase to run customers away? I don’t understand it? Does upper managment have a clue on what is going on? Who do you complain to? There are no numbers to call, except the losers at customer service? Does anyone know how to get results or who to call or an email address to complain to?

88. Tom March 14th, 2008 at 3:18 pm 88

    What a sorry company this has become. I opened an account with First Chicago 18 years ago. I have paid my annual fee and kept the account even though it has gone through numerous changes. It is now Chase. I recently recieved a bill for a 10 dollar annual fee. Since I have not used this account in years, I called and asked to close the account. They told me “no problem, simply send in the 10 bucks and we will close it immediately. I explained that I had just got the bill that day and I didnt think I should have to pay 10 dollars for an account that I was closing. They said they would not remove an annual fee charge and that I should have closed the account before the charge showed up. Llike I am supposed to know when an annual fee charge is going to appear on every one of my credit accounts and track them on a calendar. I asked to speak to a supervisor and was told that one was not on duty. Yeah right!! No problem I said, here is my number and they can call me back. Well, needless to say nobody called. A week later I called back and got the same load of crap. So I explained it was only a lousy 10 bucks and if they really wanted to pursue this horrible customer service, it would cost them in the long run. I have since cancelled any and all accounts from credit cards to savings and have asked all in my family to do the same. They dont seem to care if you are with them for 18 years or 18 minutes or how much money you have with them. I was really under the impression that they dont care about anything at all. What a shame.

89. the truth March 19th, 2008 at 10:37 pm 89

    Personally…. I think you should quit being such a pansy. I work in the service/hospitality industry as an operations manager making very good money. (Thank God For My Masters Degree in a Specialized Field). If I could count the times that lame-o’s like you came up to me to complain about “service quality” in an attempt to get something for free I’d be a famous mathematician. The fact of the matter is, no one cares about the fact that you (or anyone else for that matter) feels that the “service isn’t good enough”. You are probably just cheap and looking for some sort of compensation for your false complaints. What always seems to amaze me is…. the general public thinks that if they complain to a service employee about “service quality”, that they will in return get something for free. While this may work in certain situations, a majority of you are left empty handed. The fact that you get so worked up about simple things leads me to believe that you wouldn’t survive 10 minutes into the end of the world or a plane crash on a desert island for that matter. You will continue to bank at Chase just as you will continue to buy gasoline for your car at $8.00 a gallon. Get realistic. Just because you interact with a business in the “hospitality/service/customer service” sector does not give you a right to thinking that you are “right” or that you should get some sort of compensation/benefit because of your OPINION! Fuckin’ Broke ASS.

90. Joshua Dorkin March 19th, 2008 at 10:55 pm 90

    Who exactly are you talking to “thetruth” ? Seems like there are dozens of people here who are all having some kind of problem with Chase and their service. Are we all just a bunch of cheapos, who are looking for a handout?

    I’m not sure how old you are, but if you’re over the age of 25, you probably remember that every company worth their salt took pride in customer service back in the day. Unfortunately, over time that has eroded in our society.

    I’m curious . . . do you work for Chase?

    You sound awfully angry for someone who is not vested in this situation. Seems like you may just be another service employee who hates his job and has nowhere else to vent but this blog.

    Getting warm?

91. Darnell Hodges March 25th, 2008 at 3:10 pm 91

    The thing that drives me up the wall with chase is the way they hold and reprocess pending transaction so they can hit you will nsf fees, that should be illegal.

92. Jeremy C April 3rd, 2008 at 1:26 pm 92

    I ditched Chase (Bank One) long ago. I was still getting paper pay-checks back then and they took 3-4 days to get the money on my account.

    BUT, they would give me cash for it on the spot. And knowing that if you deposit cash it gets deposited the next day… Yeah I was cashing the checks for cash then turning right around and depositing the cash. All was well until a stupidvisor noticed me doing it one day and said I couldnt do that. I said something to the effect of “try and stop me”, ill just go to another bank to deposit the cash. She then threatened to contact the other banks and tell them not to let me deposit MY money into MY account.

    Soon after I closed the account.

    But my new bank is little better. I got hit with a $500+ overdraft fee in 1 day! Because I had several small withdrawals after the initial overdraft. Almost $35 per transaction! Then they send me a seperate letter for each transaction stating how I should be happy they “lent” me the money. BASTARDS!!!!!! I would prefer they just deny my debit card, but oh no, $$$ talks so they just let you keep using it. YES, it my fault, should have been paying closer attention to my account. But do they really think these super high fees are really helping me “learn my lesson” or something? Obviously I was broke, so they said “Lets fine the little F@#$’er!” Took me months to dig out of that hole.

93. Rebeca April 8th, 2008 at 10:25 am 93

    What prompted me to view this page is that I just had a similar experience with Chase. I paid off my card and asked if I could have a higher limit. They said no. I asked if I could transfer a balance to the card. They said no. I asked if I could have a lower interest rate. They said no. What kind of credit card doesn’t want you to transfer a balance? I sent them a message complaining about the situation and a couple days later I got a letter in the mail saying they had closed my account. No notice, no reason. Just “hey we’ve close the account. thanks.” I couldn’t believe it. I had just paid off my car loan with them too. You’d think they would value their customers but apparently they really don’t give a sh&t. The funniest part is that it was Disney visa and I’m a Disney employee. So much for loyalty!

94. Joel April 8th, 2008 at 10:55 am 94

    JP Morgan Chase is a bad, bad, bank.

95. Adios April 19th, 2008 at 5:06 pm 95

    Chase is certainly no longer a company worthy of my business, despite working with them for 18 good years…looking forward to more people waking-up, and “voting with their feet”, taking their business elsewhere. Adios.

96. mike April 21st, 2008 at 9:42 am 96

    The auto loan department customer service employees (Crystal,Rose Marie,Donna Harris,Carla Madera and the other fine folks I spoke with)
    are courteous, polite and downright pleasant while they lie through their teeth. All we needed was anything in writing affirming that our local Chase Bank was once Texas Commerce Bank. If they could not do this, why not tell me? Instead I was assured,reassured, and reassured again after every phone call starting mid January. After reading boycott chase comments I am confidant that my 88 year old bed-ridden nursing home patient mother will NEVER get a clear title to her old car. Chase employees have no souls. Begging,pleading and crying only makes them smile.

97. Connie Heitz April 21st, 2008 at 10:42 am 97

    Think that is bad listen to this. When Chase took over or bought Bank One our charge card balance was $10,246.75 March 2005, To date I have paid $11,457.56 AND STILL OWE $7,457.46. When all is said and done and I have them paid off next year we will have paid back $21,468.02. That my friend is over a 100 percent profit in a four year period. Don’t you wish you could get that type of return on your savings account? They also took over our mortgage last year and in a two month period our payment went up over $200.00. Thank God we were able to refinance with another company or we would have lost our home like many others. I now call Chase, “Chase The Screw You Bank” with the advertisement of come give us your money and if you don’t well we will just steal it. Makes no difference. And customer service well I got the run around and so many different stories and given hoops to jump through. My answer I now am sending all my information, documentation to the Comptroller of the Currency, Administrator of National Banks. Chases reply after given one last chance. Fax us a copy.

98. Disgruntled Chase Customer April 22nd, 2008 at 11:58 pm 98

    Chase just recently raised my APR from 13.24$ to 24.99%. I’ve had the account for 3 years now. Never had a late payment and have never gone over the limit. I called their so called customer support to complain about the higher rate and was told it was because of my credit score. I monitor my credit every month and have a credit score of 780 folks.

    When I demanded that they lower my APR I was put on hold to be transfered. Five minutes later the same woman comes back on the phone and tells me “we have no offers at this time” I asked the rep what the hell she meant. Either you are going to lower my APR back to the origional rate or I’m closing the account.

    Now get this…. She laughed at me and said “You can’t afford to pay off your account” At this point I went off on her. It’s a Disny Rewards Visa Card and I pay it off every month. The only time I ever carried a balance was over christmas. Since I use it for all my purchases, gas, groceries, etc for a family of 5 it had a balance of $1400 at the time of the call. I told her in no uncertain terms that I was not bluffing with several swear words mixed in. That of course got me hung up on.

    I immediatly called back and told the first person that answered “I need to close my account” When they asked me why I explained what had just happened. “Well, I’m sorry to hear that, Let me transfer you to a supervisor” So another five minutes on hold. The supervisor answers and I tell him the same story for the third time. If you’ve read any of the previos posts I am sure you can guess what the Supervisor told me. “I’d be happy to help you close your account” That’s it? You don’t want to take care of a loyal customer? A customer that charges in excess of $2,000 a month? So long story short. The account is closed and I will NEVER do business with Chase EVER again.

99. Chase customer service, what's THAT? April 29th, 2008 at 5:47 pm 99

    I have been a loyal Chase customer, I have two checking accounts, a savings account, two Chase visas, a college fund account, and I use their payment tech merchant bank card service, and, well, as of tomorrow was going to have my mortgage through them. I was a loyal customer who thought that if I had all of their banking services that they would treat me like the fantastic customer I am - not the case. They are too big to have any customer service and they don’t give their customer service reps any power to do anything. The big bosses are the ones telling these reps to say ’shall we close your account’. I do not expect anything for free like the above comment by “the truth” (who has some issues of his/her own) but I do expect to be treated fairly.

100. Julie April 29th, 2008 at 6:40 pm 100

     I hate Chase and hope to tell anyone and everyone of my experiences. I had an Amazon.com CC (which is Chase Bank) that I used and paid off. Months later I rec’d a replacement card as mine had expired. I did not authorize it. I repeat - I never called to authorize it. So, anyone could have rec’d it in the mail and used it without my verifying anything. And they did. Because a few months later, I got a call from Chase indicating that my card was being used in another country and were they my charges? UGH NO. So, for the next 6 months I constantly called to try get this resolved while more charges were being added even after they hadthe account under fraud watch and I had asked for it to be closed. Well - they can’t close it as it had a balance. WHATEVER. So, in orderto close my fraudulent account, I had to open a replacement one. Which had zero balance of course. I rec’d the card in the mail and promptly put it in my files. I did not authorize it. Once again, charges were added to this new account. Well, turns out that someone had charged to the old one and since I had closed it due to fraud the genius put the charges onto the new account. That makes total sense. So, again, after 6-7 mo. of CSR’s hanging up “inadvertently” on me while on hold, hours of holding in general, late charges on fraudulent activity, impossible to understand foreign CSR’s, liars who promised to take care of late charges and never did, letters and certifications of fraudulent charges which were pointless it finally was cleared up. They then had the audacity to try to persuade me to not cancel the second card. Hardly. I thought this was over and that episode was. Yesterday, I rec’d a letter from Chase on my auto loan telling me that it was not paid and a late charge had been added. It had been paid, but was paid late. That was my error and I admit that. I went onine this morning and paid the late fee immediately without issue or discussion. THe end right? Wrong. I typed the wrong amount when I originally paid the bill so I was short $32.65. Again, my fault. How did I know this? Because they called my house 3 times in 4 hours today to tell me that I was delinquent. After she explained the $32.65, I realized my apparent mistake and said I would pay it. I want to clarify that in the last 41 mo. of payments I have never until this month had a late fee. She proceeded to grill me for info on my insurance coverage, my employement, where the car was currently being housed etc… Like they might garnish my wages or repo my car over this $32.65 WHICH WAS ABOUT 18 DAYS LATE. So, my point, don’t use them because eventually you will regret it. I promise.

101. Sarah May 1st, 2008 at 1:51 pm 101

     I have been using Chase account for almost two years. I just felt that they have so many service fees. Anyway, I was fined $128 because I had insufficient fund on my checking account for 4 time($32 for each time). I forgot to check it. I knew it was my fault. So, my friend told me that one of his friends had the same experience. They went to “talk”