- Report: #941048
Complaint Review: Chase Bank
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Chase Bank Charges Unfairly Timed Service Fees Corona, California
*Consumer Comment: Nope..
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Over the last couple of months, it has become evident to me that Chase Bank will charge you a "service fee" of 10 dollars right at the moment when your checking account reaches an amount less than 10 dollars. It seems fairly obvious to me that Chase deliberately charges you this fee to purposely make your account overdrawn so it can collect an additional overdraft fee of 34 dollars. So, if you do the math, you can see that you will be charged 44 dollars just by their little "service fee" strategy; one of the most unfair strategies that, in my humble non-expert opinion, equates petty theft of its customers.
First off, I am currently a full time student attending college under the Post 911 GI Bill. As any other veteran attending college under those benefits can attest, it is a very unreliable benefit when it comes to giving you your monthly allowance on time; it sometimes takes months just to get it. Because of that, I have been living from paycheck to sporadic paycheck. I explained my situation to Chase, hoping their reps might understand my situation. However, they were pretty rude and condescending towards me, told me that there's nothing they can do and to try to keep money in my account (a feat that becomes difficult after rent, bills, gas, books, etc.).
As a result of its unfair business practices, I have decided to leave Chase once and for all. Never again will I bank with that institution.
First off, I am currently a full time student attending college under the Post 911 GI Bill. As any other veteran attending college under those benefits can attest, it is a very unreliable benefit when it comes to giving you your monthly allowance on time; it sometimes takes months just to get it. Because of that, I have been living from paycheck to sporadic paycheck. I explained my situation to Chase, hoping their reps might understand my situation. However, they were pretty rude and condescending towards me, told me that there's nothing they can do and to try to keep money in my account (a feat that becomes difficult after rent, bills, gas, books, etc.).
As a result of its unfair business practices, I have decided to leave Chase once and for all. Never again will I bank with that institution.
This report was posted on Ripoff Report on 09/14/2012 07:05 AM and is a permanent record located here: http://www.ripoffreport.com/r/Chase-Bank/Corona-California-/Chase-Bank-Charges-Unfairly-Timed-Service-Fees-Corona-California-941048. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Chase and any other bank doesn't just randomly assess their monthly fees on any day they want. If you went back and looked at your statements over the last few months they always occur either on the same day or within a day or two within each other.
Then when you get around the date where they will assess the monthly fee, just make sure you have enough to cover it. If you can't then unfortunately you have to make a decision of paying your rent and getting hit with the OD fee or not paying your rent to have enough money to avoid the fee. Of course this method will probably cost you more money with the landlord because of the late rent.
What you need to do is talk to various banks and find one that meets your needs, but don't expect them to really treat you any different when it comes to overdrawing your account. Also, be sure to check if the bank has any special programs. There are not as many as there used to be but some banks will waive(or reduce) the monthly fees for students and veterans.
Then when you get around the date where they will assess the monthly fee, just make sure you have enough to cover it. If you can't then unfortunately you have to make a decision of paying your rent and getting hit with the OD fee or not paying your rent to have enough money to avoid the fee. Of course this method will probably cost you more money with the landlord because of the late rent.
What you need to do is talk to various banks and find one that meets your needs, but don't expect them to really treat you any different when it comes to overdrawing your account. Also, be sure to check if the bank has any special programs. There are not as many as there used to be but some banks will waive(or reduce) the monthly fees for students and veterans.
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