Chase Bank Sucks and should be FIRED

Chasing Customer Service

Boycott Chase
Boycott Chase

Customer Hell

Does anyone who was born before the seventies lament the lack of customer service in the world today. I will pay extra for good customer service and it is truly a lost art. That is why, when I returned from Central America and found Washington Mutual I was happy. They actually had good customer service. They cared when you were in crisis and needed their help.

Well, as we all know, WAMU is no longer with us and has been replaced by that behemoth Chase. A few days ago they changed their system to Chase permanently and all signs of WAMU were lost. Take what happened to me today for example.

I deposited my check from my job as a teacher. I get paid once a month so it is rather a large sum and I am going through a divorce and I recently changed checking accounts. So, for about two months I have been stuck in the cycle of waiting on my paychecks in the mail and then depositing them in the branch.

Today, my check came and I took it to the bank to deposit it. I have done this in one form or fashion for the last seven years. It is a government check and I realize that that is not saying much these days. I deposited it and the first thing that I noticed was that there was no balance on the receipt. That should have caused me to pause, but I was in a hurry. I went and took care of some business in Los Angeles and was headed to sit and have dinner with two friends when I decided that I should get some cash. I bought a car recently, so I was low on cash before my deposit.  I put my card into the ATM at Chase in downtown Los Angeles and it said insufficient funds.

I immediately called Chase customer service. Now, if something like this had happened before with WAMU, it would have been fixed before I hung up the phone. However, Chase’s customer service people have a script and no matter how often you call them they give you the same patronizing corporate dribble.

The minions at Chase told me that there was nothing they could do for me and—one of them even said this—“we are not Washington Mutual anymore.” I spoke with a supervisor, whom I told, that I only needed a little cash available for the night and she gave me the same dribble.

I admit that by this time I was very peeved and my tone was not as professional as I would like, however, what horrible service. A customer—7 years—asks you to make a slight concession and you can only spout scripted baloney to them. Customer service means that sometimes you have to think outside of the box. Chase is so wrapped up in the box that their employees are like robots.

It’s a shame that WAMU had to disappear, but you would think that Chase would understand that customer service was why many of us went to WAMU in the first place. I would rather have the customer service people in India, who at least try to be friendly and accommodating than those at Chase whose brains have been taken out and replaced with sound bites. I’ll be changing banks this week. I’m looking for service and the smile.

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Comments 17 comments

pgrundy 7 years ago

I worked as a CSR in the call center of a major regional bank for a year and a half. I've been unemployed since last October. I was about to get fired for 1) having a heart attack at my desk (there's an attendance policy of no more than 5 days missed in a year), and 2) not making my $1 million monthly sales goal for the third month running (it's a CUSTOMER SERVICE job--but we were required to sell a minimum of $1 million in bank products to people who called in upset about problems like the one you had--So you know, they have all these unjust fees, and we're supposed to talk them into a Certificate of Deposit after we tell them we won't refund anything).

Anyway, these banks are abusing fees so badly it is all over the news and being debated in Congress. The worst policy at the bank I worked at was that they would hold the funds on paychecks like yours for 3 days before making them available, even when the people had been banking with them for many years and the paycheck was obviously good. They did this, and many other things, on purpose to generate fees. They talked about it in meetings--how to generate more fees and what we had to say to customers who complained.

I saw people get hundreds of dollars in fees this way. I saw one person who racked up $5700 in these fees in the previous year and was on track to exceed that amount in the year I spoke with her. It made me sick, and if I (or anyone else there) tried to help these people, we would be reprimanded and then fired if we did it again. Everything came down to, "...Or you'll get fired." It literally made me sick.

Banks don't care. They set up these policies on purpose to trap you into racking up lots of fees. This year, banks made more money on fees than on investments or loans or any other source of income. I used to tell people to take their money out of the bank. I worked with other CSRs who refused to use a bank because of what we saw. There they were working at a big bank, but they wouldn't use one themselves because of the way the banks treat people and steal from them.

I hope you get some resolution. Write your Congressmen too.


Dirah0509 profile image

Dirah0509 7 years ago from Bay Area, CA

I live in Martinez, CA and bank with West America an am very happy with the customer service. I don't know how large of a bank this is, but they are great. Because I signed up online for paperless statements, I am no longer charged the $18.00 a month fee for the rest of my life with them. They even refunded me that month's fee.


Steve 7 years ago

I will never use Chase bank again. I had really bad experiences. They took $25 from my checking account on and off. I had to visit the Chase bank branch and asked why. They said it was computer mistake and refunded. They took another $25 later. They said they are sorry about that and refunded. They took another $25 again. They said it is their policy because my checking account has under $15,000. They have never mentioned about this policy! It sucks.


Divamommy profile image

Divamommy 7 years ago from divamomonhubp-20

i will agree


Jacquelyn Boston 6 years ago

This is the worst bank that I have ever seem. My son's Wedding was in Louisana May 21 and I went to pay for the Wedding dinner and my card would not work. I found out when I got back home that they had close my account without my knowledge and all they could say was we are sorry and it must be a training issue. This was truly horrible, I never had this much trouble in my life. Chase Bank sucks. Customer Service sucks.


Dave 6 years ago

I recruit only series 7 licensed Financial Advisors. My clients include major Chase competitors (banks), wirehouses, independent firms, RIAs and more.

I have made a living taking quality experienced Financial Advisors from Chase to higher ground!

Let's talk. Come prepared with your T-12, AUM, etc so I can focus specifically on the very best competitive opportunities for you.

Dave

burtonfinancial1@yahoo.com


Steve Delaney 6 years ago

I agree with all of the previous comments. My rates went up to 27%, and when I called to find out why, I was told it was probably because of a late payment, my credit score or my level of debt. Hmmm, I own my home, have extensive savings in Chase (formerly WAMU) and have never had a late payment in the past two years and have always, always paid above the minimum. After consulting her files, the customer service representative agreed that was the truth and further, she stated that she was embarassed that the interest rate was so high for no reason.

So guess what? I am paying off my card, taking my savings out, and encouraging my colleagues to switch to Union Bank of California – which has some great rates for personal and business accounts and polite, empowered customer service reps.

This is the age of instant communication with the world and I promise that what I say and continue to say about the corrupt practices at Chase will repeat endlessly from my mouth.

Chase, shame, shame on you. You take our tax dollars and laugh all the way to your bank. And then you have the audacity to screw your customers?

I encourage everyone to start a world-wide rant against these abuses.


Carrie 6 years ago

Wow- same here! I loved WAMU- and was with them since the Great Western Days. Since they have changed to Chase- horrible customer service-I don't get having to request my balance every single time I make a deposit. The deposit issues suck. You can deposit cash and they still put a 24 hour hold on it. Same with checks from the same bank! It's horrific! I have been with them since 95 and really haven't heard of a bank that's any better- so I feel stuck. I used to have 2000 overdraft protection. Now- I have to have a savings account for that protection and if something happens where I overdraw- they take from my savings and still charge me 10 bucks! Why? It's all there... And I had to sign up for that program separate. I don't get it. Thank God for the app because it does make moving money easier- that's the only thing I can say good about it. Best of luck to you guys!!


Beth 6 years ago

My 19 year old Daughter signed up for a chase account and has had problems from the start. She just started her first job, does not have a drivers license and had an expired driving permit. When she received her first paycheck, she was unable to cash it and went to chase to open an account. They gladly opened her account on an expired state ID (permit)and placed a 3 day hold on her funds due to paper check. 3 days later she needed cash to take her drivers test and went to chase to withdrawl the needed funds - chase would not allow her to withdrawl any money because her ID was expired. Really pisses me off that this bank will gladly hold your money, open an account on an expired ID and refuse to allow you to withdrawl your money with the same ID. In addition to this crappy practice, she was told that as long as she is using a paper check they will release $100 and place a 3 day hold for the balance but her last paycheck she deposited did not allow her any money for 5 days! Needless to say, she is closing her account and moving to another bank.


lAURIE 5 years ago

BOYCOTT CHASE BANK-IT'S THE WAY!!!


Jeff 5 years ago

I hate this bank, The chase bank in Lodi is the worst for customer service, If you go to the drive thru you have to wait around 6 to 12 minutes and that being the only one in the line. The other day I waited 15 minutes for them to get two cars out of the way. They have a buisness line inside and let anybody use it. The staff is just very rude. I hate having to change banks, but I think I am going to start looking around.


Earl Harris 5 years ago

I was literally Chased by chase bank accused of robbery then thrown on the ground by Chase bank employees and I was completely innocent! Check out my site!


Chase Hates International Customers 5 years ago

Don't bank w/ Chase and have the audacity to also own a passport. I've been traveling w/ my wife and baby internationally. Three weeks ago my debit card was lost/stolen. I immediately requested an emergency replacement debit card. Since I was international Chase forced me to provide an address of someone else in the U.S. who then had to rush it to me. My family and the contact waited for a week... no card. I called one week later on Saturday and Chase told me that the representative never entered the order and although I impressed upon the representative that it was an emergency and that my family had no cash and a baby (rationing milk, diapers). I placed another order. I called back Monday to make sure the order was entered. It was not! Buffoonery. Finally on Thursday the U.S. contact received the card and I received it in the foreign country the following Tuesday. Relief? No, and why? The genius customer service representatives at Chase decided to send me a new card, not a replacement card, so the PIN was changed and sent to the address on file because since I'm traveling internationally of course I will have access to this PIN. Over 5 new debit cards in 10 years I haven't had a to walk into a Chase branch to change my PIN number since the 1990s. So now it's week 3, and I STILL don't have access to cash in my account. I have no idea what we're going to do for cash and at this point I might have to resort to illegal means to survive. Banks are supposed to simply hold your cash, not hold it hostage.

This has been a complete nightmare for me, my wife, and son where so much of the world still operates on cash including cabs, buses, food establishments, etc. We've suffered horribly at this point physically (I'm not eating, walking everywhere) and mentally because of Chase's poor customer service.

I've spent hours on the phone w/ Chase and although they have offices here they cannot help a retail client of 10+ years. I'm definitely moving from Chase and switching to a true international bank which Chase is not, it's a phony. I plan to sue for emotional stress, psychological trauma, and withholding of customer service to a client in an emergency situation. I would recommend that no one patronage Chase due to its poor retail customer service. Big banks are bad for customer service and Chase is a living example of that. Please don't disregard this story as this can happen to you and your family too especially if you have a passport. Chase is only a U.S. bank.


Dp 5 years ago

I love chase


Alpha Omega 5 years ago

I agree I hope every one of them banks loos every dime they ripped off from us good people they are so crooked and selfish I was just robbed by them a 74 dollar Comcast check that they paid turned into 590 so far all I have to say is once the greedy elite bastards get to saint me they are all for a big surprise when they go threw the crossing because i am going to love watching them filthy rich bastards fall to the never ending flames of hell fire! Sighed I am


angry12 4 years ago

Well could be Chase owned by Rothchilds, Rockefellers, as other filthy rich who could give a d--- about any of us who just want to control the world with a one world govt and they want control of our money totally. After all the FDIC is a real ha ha, as it is the same people who own and control the central banking industry . It is a joke that we have to put up with the evil of the world crooked , unethical, and more evil that Hitler was and are totally controlled by satan himself, Not a joke anymore we should have taken a stand long ago they have complete control , We can only pray God will come an get us out before they put the hammer down on us. They are already injecting people with the RFDI chip and babies in Canada how stupid people are they shall be led like lambs to the slaughter,


Rico 2 years ago

If you knew anything about financial institutions you know that there are laws and regulations we have to abide by checks have to go through overnight processessing most people call customer service believing we can waive a wand and make your money available it is at chases discretion as to how much will be made available at the time of your deposit however we have to verify the funds are available before they show up in your account otherwise it is a loss for the bank and with new accounts you have not established that relationship with the bank so don't be quick to jump the gun if you point fingers point them at the government in which established bank regulations

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