After keeping a business and personal account with Chase for over 15 years, they turned us down for a line of credit. We have an extremely high daily average balance, have 4 of their credit cards, whose payments are never late, have an excellent credit score, and still were declined. Bank of America and one other local bank, with whom we have no prior business relationship, gave us loans within two days, with minimal paperwork!! I guess its time to switch banks. And here we thought a long term relationship would pay off!! Not with Chase!!

I have paid Chase about $150 or more overdraft fee with in last two month just because Chase hold my money for unnecessary reason and therefore I get behind in my payments and pay Chase overdraft fee.

I been with Chase for about three years. I have personal checking account with Chase and business account with BOFA. Every month three or four times I transfer money from BOFA account to Chase. Last year I signed a contract with Chase not to charge monthly fee and overdraft fee but the condition is I have to have direct deposit which I do. So I signed the contract hoping I am safe. For last few months Chase started charging me overdraft fee. When I questioned either telephone chase banker or walking branch in Fremont / Mowry location. In return respond I get stories after stories and when I prove them wrong they come up with another brand new story. The situation is I request BOFA to transfer fund to Chase account three or four times of month. BOFA transfer money within 24 hours and I have proof. however Chase take two, three some cases week to update the funds in my account and its all CASH. while my account is in service I am making payments however due to lack of Chase bank processing system money doesn't get available on time so Chase charge me overdraft fee.

Question: I asked Chase customer service why are you taking days some time weeks to update my funds even though its CASH. In return respond its a Chase processing time. However there is no fix or listed time line when your money will be available. I asked why? Chase respond with another new story; Chase TERMS and CONDITIONS. Chase is playing very sneaky and technical terms with me and taking full advantage just because they can. There is more to it however I believe I have run out of space. thanks mybanktracker to update my review.

I know many people have had issues with Chase but I would like to share what happened to me. I think the reason why I had a positive experience because I actually had two workers that cared about my predicament. We actually started getting behind in 2011 after my husband's heart attack. It seemed that was the changing point. I got behind on payments. Robbing Peter to pay Paul and barely having money for gas and food...sometimes wondering which was needed more. I spent so much time and two years trying to catch up or stay caught up my stress level was about to kill me. We were about to lose our home and one day I was on the phone with a customer service employee and she suggested that I do a loan modification. I was very apprehensive because other customer service employees told me we didn't qualify. I finally relented and filled out the paperwork. She even told me how to fill it out and what to do. Our contact in the loan modification, Dustin, couldn't have been more pleasant to work with. He talked me through everything. He called by the next day if I called and left a message. Well, after 3 months we were approved for a modification. We gave up the 5 years of equity to start over - but there wasn't much because we were so far behind. We ended up with a 3.5% interest rate (down from 6.5%) and our monthly payment dropped by $500.00 and that's a lot when your payment is $1400.00 We paid a total of $28.00 for the modification and didn't have to pay any late fees, or missed payments...it was all factored back into our mortgage that is now affordable. So, thank you to the 2 people at Chase that helped us with saving our home.

Ran into a real financial crunch back in 2008. Having approximately 100K in credit card debt (medical, taxes etc)we decided to go with the consumer counseling and eliminate debt in every way possible. Chase held about 40K of this debt. We sold assets and used 401 K money to eliminate all but 15K to Chase.and 5K to Citi. Chase was determined to get their money back one hundred percent plus interest(which is why we left this much on the table with them) and unlike many other banks refused to deal in any way accept a pay off plan. We had of course sold most all disposable assets and were determined to stay in our home. One month after paying on the plan for over two years we were late with a payment and Chase immediately took the drastic action of reclaiming all the interest not paid at a rate of 29.9% meaning that we now owed more than when starting the plan two years prior. This of course meant we really had to just stop paying them at all...which sent the debt to collections where we now receive on average five calls a day for the past five years. Personally I'm somewhat convinced Chase is more of a Bully than a Bank and went to unmentionable extremes to make sure they were getting everything to the last dime. Life can be hard and Chase loves the challenge of making it harder.

I am about to close my accounts with Chase when you really need or even just to go to the online site it seems it is down more then up. I'm really getting tired of this.

Note: Business Banking Account

Just add this to your know up front what's what bucket of tricks and big bank issues. Just got off the phone with on-line customer service, it is acceptable to Chase Bank to allow UP TO 48 HRS for a new payee to be added to bill pay....

Chase: "well you know we sometimes have to do background research to ensure there is no fraud going on..."

Me: "...fraud, Waste Industries, the garbage company, and why would you be doing fraud research on Waste Industries?"

Chase: "...well just so you know it can take up to 48 Hrs to add a payee, have I answered your question?"

Me: "ahhh you've told me way too much!"

So what really transpired here???? And trust me this didn't come from the on-line customer service guys and gals, just me on a hunch.

- The bill shows, and I tried to add a new payee as follows: 009 Waste Industries

OMG that 009 just blew the bill pay program's mind!

- Just 'cuz I have other things to do today, and wanted to move on from paying bills, I added a new payee as follows: Waste Industries

This new payee was immediately added, well ok not immediate, it took like 15 seconds.

Lessons learned?

A: The Chase Bill Pay system does not know what to do with leading numeric characters.

B: It is entirely acceptable to Chase (not to you of course) to take upto 48 hours to add a payee to bill pay.

C: During that 48 hour period it is up to YOU to figure out why bill pay has not or rather will not add the payee.

Just know up front, and maybe consider another service provider.

I initiated a wire transfer on Friday the 19th online, it apparently went through - and needed to that Friday. I find out Monday the 22nd that no only did it not go through, but that my online account was frozen. I called and found that the transfer did not go through despite the fact that it was funded, and no one could tell me why - they told me that I had to go to a branch with 2 kinds of ID. Upon supplying this and asking why, the branch manger was unable to tell me. Furthermore, they told me that according to notes on the account someone said they called and left me a VM, which absolutely DID NOT happen, at either of my numbers.

To say I'm irate is an understatement. To compound things, they will not connect me to who lied and said they called. A woman online said I had to re-initiate the transfer online, and that it would absolutely go through today. Lie #2 - I tried online and it said it will not go through until tomorrow. "Frustration" doesn't begin to explain how I feel about this process. If you care at all about customer service, AVOID THIS BANK LIKE THE PLAGUE!

I had my mortgage with Chase since 2008 and in 2009 i decide to refinance with them, after submitting my application i was asked to pay 400$ for appraisal which i did, Chase didnt follow up for weeks after that. In the meanwhile i checked with other lenders and found significant rate difference. I asked Chase to check why there's such a huge difference, which Chase declined to consider and ended up keeping my 400$, even though my house was never appraised.

I have a few Chase credit cards and HAD a Chase checking account. I dropped the Chase account and signed up for ING and have never been happier even with the cap one buyout. They have great bonuses!

http://tinyurl.com/c5398oz (Earn upto $100 Cash by using that link)

Anyways, back to my Chase review. Chase started out fine but I noticed they started holding transfers longer and longer. I don't know why but I had some transfers that they held for as long as 5 days before they released the funds to be used.

Their customer service was always hard to reach! and not very friendly!

On the positive side, Chase did have a great bonus! Much better than Cap 1 (Or ING) and the best I have seen between the big banks!

Their online application process was also very very secure!

I guess overall, they just werent my type of bank.

I won a Pathfinder giveaway from Nissan. The prize was a Pathfinder car and a check for taxes, title & insurance. I took the check to Chase Bank to deposit. The branch manager looked at the check and cried FRAUD. He did no research. Nothing. I win sweepstakes all of the time. I know a legitimate sweepstakes. I demanded that the check be deposited so they deposited it and called me two hours later telling me that ALL FUNDS in my account would be frozen for 10 days! A few days later, they told me my account will be closed. Thanks Chase. Two days later, I picked up my 2013 Nissan Pathfinder from the dealership. I had to front the money for the sales tax & fees, but I got the car.