Complaint Review: Chase Bank
Chase Bank JP Morgan Chase Bank Do Not Do Business With Chase Bank unless you want your money to disappear Oklahoma CIty Nationwide
*General Comment: Typical---
*Author of original report: honesty. disclosure. customer care. all lacking from this bank
*General Comment: Actually---
I am going to relate my crazy unbelievable experience with Chase Bank as thoroughly as possible for you.
I went into my local Chase Bank to open an account. I signed a check over to Chase Bank and was told that my account was open. I was given a debit card and told that there was $200 immediately available on that card but the rest would not be available until the check cleared. This sounds pretty normal, so I go about my business.
I wanted to check out the $200 availability on the card later that night I drove through the ATM at another Chase Bank where I was denied withdrawing $200. So I tried $100 and that worked. Wondering what was up, I put the card back into the machine. The machine then said “Contact customer service”. That is not what I was just told at Chase Bank hours earlier.
So I contact customer service and they begin asking me questions that I am not sure of the answer to, like, “What is your account number?” I don’t know, I have had the account for three hours and I am not carrying the information with me. “Why do you not know your account number?” Did you not hear what I just said? Their rep said he was transferring me to the Fraud Department, so I just hung up figuring I don’t need to talk to them and I don’t have time for another Spanish Inquisition.
So I wait for the check to clear, figuring that is the hang up, and once it clears everything will be normal. That is not what happens.
Chase Bank says the check is over 180 days old, so they must wait 14 days to make sure it clears. Trish, the local manager and person who I have been speaking with since the beginning, tells me to wait and see if the issuer pays the check or not. So I wait, and check the internet, and it shows that the money is available, but according to Trish and the bank it is not. I check the internet for information. According to Federal Guidelines, a check is good for ANY amount of time considering that the Payer still has the funds to pay the check. In other words, I have given Chase Bank an easily negotiable document written by a large well known corporation.
Days later I find that Chase Bank has closed my account on their own volition. Chase Bank claims that the check will not be negotiable in any way. They state that I need to contact the issuer and let them know to stop the check and reissue another one.
I do that, and get a letter back from the issuer showing that Chase Bank has cashed the check and had the funds in their account the whole time.
I go back to talk to Trish at Chase Bank on Walker in Oklahoma City again, and Trish takes more info and calls me the next day to inform me that Chase Bank is going to send the funds back to the issuer within NINETY DAYS. Ninety days? Chase Bank has fraudulently been holding my funds for thirty days and now they are saying they will fraudulently hold my money for now for ninety more days. Is this legal? I would think not.
I gave Chase Bank my funds in good faith and have been treated very poorly as a result. My family is suffering as a result. My funds have been tied up for a month and it may be five months from the date this started before the funds are accessible due to a total lack of competence at Chase Bank. This is not a local circumstance. This could happen with Chase Bank anywhere in the world.
DO NOT LET THIS HAPPEN TO YOU AND YOUR FAMILY. AVOID CHASE BANK AT ALL COSTS. Just go to any other bank and you will be better off, believe me. Peace and Love to all.
This report was posted on Ripoff Report on 03/01/2016 11:08 AM and is a permanent record located here: http://www.ripoffreport.com/reports/chase-bank/nationwide/chase-bank-jp-morgan-chase-bank-do-not-do-business-with-chase-bank-unless-you-want-your-m-1290960. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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