• Report: #921492

Complaint Review: Chase Bank

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  • Submitted: Thu, August 02, 2012
  • Updated: Fri, August 03, 2012

  • Reported By: Donna — Metuchen New Jersey U.S.A.
Chase Bank
po box 4409 houston, Texas United States of America

Chase Bank Chase Bank Crook Rules houston, Texas

*Consumer Comment: OOOOH I sooooo hurt you attacked me

*General Comment: So Donna, how about it, how about some answers?

*Consumer Comment: Irrelevant

*Consumer Comment: Wrong iamnogood

*General Comment: Outlaw, when you post personal business on the web you are inviting comments from others

*Consumer Comment: Wow lucky you

*General Comment: Suggestion for you...

*General Comment: Banking Expert Opinion Here

*General Comment: Banking Expert Opinion Here

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 My husband and I were opening Chase Bank checking account online on July 9th 2012 and few weeks later I got a letter on July 23rd they said they will restricted my checking account for 10 business days from the date of this letter and they will closed my checking account. I called Analysis Account Unit and asked them why they closed my checking account they said the Chase Bank decided from their  computer system did not say anything.  The  Chase Bank customer service HAS the RULES!

That's not possible. They told me bring two forms of ID to local branch we went to branch and show them and ask them why they also don't know why.

I did file complain to  State of NJ banking and telling them what happen.

Chase Bank JP Morgan has stupid rules and has no right to closed the checking account right away they should wait and find out more . They said they don't know why  We didn't do anything wrong  we show real ID real home address where we live.

This report was posted on Ripoff Report on 08/02/2012 12:06 PM and is a permanent record located here: http://www.ripoffreport.com/r/Chase-Bank/houston-Texas-77055/Chase-Bank-Chase-Bank-Crook-Rules-houston-Texas-921492. 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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REBUTTALS & REPLIES:
0Author 9Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

OOOOH I sooooo hurt you attacked me

AUTHOR: The Outlaw Josey Wales - (United States of America)

  Nobody cares what team rebutts posts!!!
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#2 General Comment

So Donna, how about it, how about some answers?

AUTHOR: IamGood - (USA)

Donna (Our Original Poster):

You have been conspicuous quiet during all the rebuttals.  How about answering the questions I asked of you?

I am sorry, I find it had to believe that Chase did not tell you the reason they closed your account. 

If you are going to publically trash a company, you should be required to present all the facts, so can you answer my questions about your past banking history?

We would like to know if that had any thing to do with Chase closing your account.

There is a lesson here to be taught to those who feel that excessive overdraft fees were wrong.
But it was the only thing that was allowing sub prime banking customers to have a bank account.

We will be waiting for your Response.  And hey Josey, let her answer this question, stop enabling h er!!!

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#3 Consumer Comment

Irrelevant

AUTHOR: Ramjet - (U.S.A.)

I really doesn't matter why someone puts a report here.  Once you post something on a public site, you should expect to get any kind of opinions or comments whether you like them or not.  That's how it works.

Incidentally, many reports are completely off the wall too and that's their right also.

Your silly comments are just humorous and a waste of bandwidth.  However, you  have a right to post your irrelevant rebuttals also.  It apparently makes you happy so go for it.   No one cares.
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#4 Consumer Comment

Wrong iamnogood

AUTHOR: The Outlaw Josey Wales - (United States of America)

 People do not post here to be insulted by the likes of you or any members of team rebutts. They post to let the world of abuse from companies. Please the mission statement of ripoffreports.
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#5 General Comment

Outlaw, when you post personal business on the web you are inviting comments from others

AUTHOR: IamGood - (USA)

Hey Outlaw:

When you post personal business about disputes you have with others on the web, as Donna did, you are leaving yourself wide open for people to have questions.

I have questions, and since Donna is using this forum to disparage a National Bank on a National Forum, I feel that Donna should answer tthe questions posted to her.

If she doesnt want others to respond to her claims of being cheated, then she should stay off of sites like this.

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#6 Consumer Comment

Wow lucky you

AUTHOR: The Outlaw Josey Wales - (United States of America)

 3 rebutts from the team, Iamnogood and strident regular rebutters with nothing to say. 
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#7 General Comment

Suggestion for you...

AUTHOR: Striderq - (U.S.A.)

You might want to request your free credit reports from annualcreditreport.com and really review them. When a bank asks you to bring in ID like this it usually indicates that the information you gave them in trying to open the account doesn't match up with information already in their system. It is possible that someone has stolen your identity and opened or tried to open an account with Chase. When you applied their was a discrepancy in address and possibly other information. So please take some steps to make sure your identity is safe.

And, Chase like every other bank & credit union does have the right to refuse to open an account for you. It would be nice if they gave a reason but they don't have to.
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#8 General Comment

Banking Expert Opinion Here

AUTHOR: IamGood - (USA)

In the days prior to congress putting restrictions on the overdraft protection on a account, when the bank customer would use a debit card to pay for a purchase , and did not have the money, the customer paid a 35.00 fee, and the bank would pay the debit card transaction to the vendor.

Because so many customers did not keep check registers, they were using this overdraft protection more, and more, until the customer started complaining. 

The banks were forced to turn off overdraft protection,  unless the customer asked to have it turned back on.  This cost the banks BILLIONS of dollars in fees a year.

Banks were no longer interested in keeping customers who kept minimum balances, and who had a history of these kind of transactions. 

What prob happened to you was that they allowed you to open up the account, but it took a few weeks to get back your credit history, and banking history, and found you had a history of bouncing checks, and using your debit card when you did not have enough money to cover the purchase, so they closed your account. 

The potential costs to the bank by a customer who had a history of bouncing checks, and improper use of a debit card far outweighed the benefits they would of received having you has a customer.

This is just speculation.  Am I right, do you have a history of such activity I described above.

Please let us know.


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#9 General Comment

Banking Expert Opinion Here

AUTHOR: IamGood - (USA)

In the days prior to congress putting restrictions on the overdraft protection on a account, when the bank customer would use a debit card to pay for a purchase , and did not have the money, the customer paid a 35.00 fee, and the bank would pay the debit card transaction to the vendor.

Because so many customers did not keep check registers, they were using this overdraft protection more, and more, until the customer started complaining. 

The banks were forced to turn off overdraft protection,  unless the customer asked to have it turned back on.  This cost the banks BILLIONS of dollars in fees a year.

Banks were no longer interested in keeping customers who kept minimum balances, and who had a history of these kind of transactions. 

What prob happened to you was that they allowed you to open up the account, but it took a few weeks to get back your credit history, and banking history, and found you had a history of bouncing checks, and using your debit card when you did not have enough money to cover the purchase, so they closed your account. 

The potential costs to the bank by a customer who had a history of bouncing checks, and improper use of a debit card far outweighed the benefits they would of received having you has a customer.

This is just speculation.  Am I right, do you have a history of such activity I described above.

Please let us know.


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