Anyone with a chase Bank account beware,
I had an account with chase bank and due to a work problem went overdrawn to the sum of $90.00, that not much I hear you say, because that what I said, well I now have my account frozen, and I now have to pay back $1535.98 in fees and charges, they also have place a financial block or black ball on my SSN so I am unable to open another bank account anywhere else. Here is the kicker: because my wife's account was linked to mine they have frozen hers too, we are expecting our military retirement benefits to be deposited into our accounts and unable to stop the transfer. It takes up to 10 days to stop Direct deposits, so by the 1st June 2012 Chase bank will have confiscated $6535.98 for an overdraft of $90.00 and they are telling me that once all overdraft and administration fee are paid they are closing my account. It has taken almost a month to even get this far my wife and I have not been able to pay any of our bills and we have a mortgage payment to make and with zero funds, well you can see where that will lead too. I have talked to chase until I am horse, and have even gone to my local branch and tried to talk to my local branch manager, and as nice as she was told me, this is a head office thing and there is nothing I can do. The only thing left for me to do is hire a lawyer to resolve this, when I contacted one he would take the case @ $300.00 per hour and requested 4 hours up front, in other words I am screwed, and the mega bank wins. When I said that I would take my story to the media they said good, do so it will stop others out there who have overdrafts to pay them off or they will get the same thing.
When it comes down to it Chase is the easiest bank to deal with in NYC. There are so many locations that I am never too far away from a Chase or a Chase ATM. This helps me when I need to pull cash out at anytime and avoid bank fees for non-bank ATM fees.
When entering a branch I have not experienced bad customer service once. Maybe it is a matter of being social so that the people working there are more helpful.
Online banking is very easy to use and again, convenient.
Paying for a checking account is ridiculous but I justify it with all the "overdraft fees" that they have erased for me.
I've been with chase for almost 6 years now, and this branch is getting worst everyday! I have a several credit cards and business and personal account with them. Today I received a call from one of the employees that she's checking my account without my permission, so they have access to your account and your personal information. I just got off the phone with the headquarters and they contacted the branch, then the manager called me trying to get on her side, even though she knows they screwed up but still she's arguing with me with a very bad attitude.
Customer service is absolute ZERO.
Anyway, I'm going to close all my accounts with them.