I've had countless problems with Chase but here's the doozy.
My purse was stolen, I thought lost and then returned to the campus bursers office 3 days later. Someone brought it in said they found it after a class and simply forget to get it in right away. It was midterms so that sounded logical, and nothing was missing, not even the cash in my wallet (A hit I would have considered more a finders/returners fee).
I didn't notice until 2 days later when I went to go pick up some groceries and my card was declined that I realized something was wrong. I checked online and I had over 2,500 dollars taken from my bank account in a shopping spree, not including the numerous overdrafts I had racked up when Chase didn't cut it off right away. I'm a college student I get by on financial aid and part time employment.
So I went to the bursers office, got a statement from the women who received the purse about when it was returned, as much as she could remember about who dropped it off (vague description from memory, but key features that would clearly indicate it was not me. Also, she did remember me because I was so happy that nothing was stolen and that my belief in humanity had not failed me...yet). I wasn't even in town when the charges were made, in a location I had no access to (no cars on campus, at least not then and this was on the complete opposite side of town, a 20-30 minute drive.)
I brought in my evidence to Chase...they seemed nice but they said they didn't need my evidence as they would conduct their own investigation. I tried to leave my file with them because it would have made everything a LOT easier if they actually wanted to try.
Needless to say they decided it wasn't identity theft. I doubt they even looked into it. I ended up falling behind on some bills to make up the difference in my account I had to borrow money just to get in the clear. Now my credits shot and Chase bank didn't blink twice. I didn't even get to know how in the world they could come to the conclusion that it wasn't identity theft.
The only people Chase cares about are corporations and the wealthy and they are more than willing to screw the little guy over. Even if it's a crying girl with evidence.