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Report: #1158208

Complaint Review: chase - Nationwide

  • Submitted:
  • Updated:
  • Reported By: Dr Void — Riverside California
  • Author Not Confirmed What's this?
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  • chase Nationwide USA

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Chase charge me $6.00 dollars to cash thier own check.  The called it a fee and and fraudulantly charge me for a service that had already been paid for for the account holder.  As an account holder you are charged a certain amount for each check you write or you have free checking.  Either way, the bank is acting as a proxy on your behalf to provide cash in exchange for the (promisary note) check and has charged tha account holder for this convienience.  The bank is now legally obligated to exchange cash for the check if there is enough money in the account.  The bank has already charged the customer/account holder for this service.  So when you go into the branch to cash a CHASE check in a CHASE branch the transaction has already been paid for yet the fel justified in charging for this service again! This time the charge the person owed, so the promisary note is no longer valid for its face value, it is valid for its face value minus $6.00 -this is an outright SCAM BY CHASE and must be stopped. The double dipping bastards not only steal from their customers with random new fees and new policies but now are misrepresenting their customers and not honoring their own legal contract or representation!!!! NEVER NEVER NEVER USE CHASE unless you can not avoid it. And shoul you go to a CHASE, keep you hand on your wallet! They hide behind policy and pretend that it superseeds law! - flippin spinless thieving weasels!

This report was posted on Ripoff Report on 06/28/2014 01:47 PM and is a permanent record located here: https://www.ripoffreport.com/reports/chase/nationwide/chase-chase-bank-chase-financial-fraud-over-charge-riverside-nationwide-1158208. 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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REBUTTALS & REPLIES:
4Author
3Consumer
1Employee/Owner

#8 Author of original report

the fun part

AUTHOR: Dr Void - ()

POSTED: Monday, June 30, 2014

It doesn't matter, it was a CHASE BANK CHECK and chase still wants to charge a fee to charge their own stuff - which is still just wrong.  but the cool part is, in the court of public opinion, defend a huge bank that took a huge bail out has got to be like defending an STD.  3200 on facebook, 21,000 on twitter and continuing to growing! but like you said, it has got to be good advertising for you! :D

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#7 Consumer Comment

The truth finally comes out...mostly.

AUTHOR: Robert - ()

POSTED: Monday, June 30, 2014

 Okay you obviously have your head so far up your "vertical smile" not wanting to listen to people who actually know what they are talking about that people could tell you that the sky is blue and you would argue that it is green.  So I will just mention a few things.

The fact is that your issue is not with the "big evil Chase bank"...it is with this deadbeat who has a history of writing bad checks.  Unlike what you think is illegal by a bank charging NON-CUSTOMERS a check cashing fee, writing bad checks is actually a crime.  In your case it is even more so because if this is truly a "payroll check" as you stated, in many states bouncing an employee's pay not only breaks laws on bad check writing, but various labor laws that could get the owner of the company sent to prision for several years and have thousands of dollars in fines.  In the "things to not do as a business owner"..screwing with the IRS would be number one...this is number two.

Oh and did you ever go to your bank to find out what they charge "Non-Customers" to cash a check.  By the way if you say nothing...you need to post the name of the bank because it would be great free advertising for them.

 

 

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#6 Author of original report

additional info

AUTHOR: Dr Void - ()

POSTED: Monday, June 30, 2014

The check writter has a history of bouncing checks, so I went in to get the cash rather than deposit it into my account.  It is kinda hard to bounce cash and I don't have the luxury of seuing the check writter over bounced check fees.  That takes too much time to recover the money.  So I cashed that check, a payrole check at the branch it was drawn on.  Little did I know there would be a penalty for removing monies from the CHASE financial system.  Oh wait, they called that an incentive to create new customers on the phone when I called complained, they also said that at the countre when i asked it to be waived.

I understand fractional lending and I understand why banks want/need to keep the money in their own system.  I just don't think stealing and usery should be allowed!  Just to protect a few fat cats at the top of the corporate foo d chain.  They are so rich that they have no idea what year the limo is that they are ridding in!

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#5 Author of original report

what now you goof....gonna try to sell me an auto title loan?

AUTHOR: Dr Void - ()

POSTED: Monday, June 30, 2014

You are a payday loan company now?  You gonna extort me with an autotitle loan next?  Got any pre-approved, high interest credit cards you wanna give me?  When you gonna need another bail out?  Come foreclose on my dog's house you goof - after all it's legal!

Just because you got it legalized doesn't make it moral, or right and doesn't mean that people shouldn't be made aware of CHASE BANK'S THIEVERY!

 

 

 

what other lies do you people tell yourselves so you can sleep at night you goofs!

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#4 Author of original report

You just proved my whole point!

AUTHOR: Dr Void - ()

POSTED: Monday, June 30, 2014

Thank you! You just proved my whole point!  It is a pomisory note, a promisory note for $X amount.  Not $X amount -$6.00!  And you justify it by saying you are doing me a service???  You service is to allow account holder to write promisary notes in place of cash and to stand behind them if the money is there.  I never once wanted your service but was forced into rather - but still - defending a checking chashing fee for YOUR OWN TWO PARTY CHECK is criminal, what are you a payday loan and check cashing place now???  I am not asking you to cash a US Bank check written to John Doe at a CHASE branch.... Its a CHASE CHECK YOU GOOF!  and you DO misrepresent the account holder by charging $6.00 to the people they wrote the promisary note to.  It is legally $X amount, not $X -$6.00 :)) and now you say that you are justified morally simpley because your lobby got a LEGAL OK FOR YOU TO PICK OUR POCKETS?  what elese do you tell your self so you can sleep at night?  Just because the FDA said it was ok to put plastic on our bread, then i guess its ok for subway to do it right?  You are a monsonto fan too i bet, schmuck...

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#3 General Comment

News for you...

AUTHOR: Striderq - ()

POSTED: Sunday, June 29, 2014

This fee is not new nor is it charged only by Chase. All banks that I know of charge this fee for non-customers cashing a chck. By non-customers they mean non-acocunt holders. Ways to avoid this fee are to open an account at Chase (or other bank) or deposit the check into your account.

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#2 REBUTTAL Owner of company

Hot Air..

AUTHOR: Robert - ()

POSTED: Sunday, June 29, 2014

 If your report had anymore hot air you could fly a Hot Air Balloon.  My guess is that you are either a 1st year law student or someone who has watched one too many Courtroom TV Shows.

As an account holder you are charged a certain amount for each check you write or you have free checking.

- That's right the fees they are charged cover every check that they WRITE..not get cashed.   Cashing a check is a "service", just like other services a bank provides that is not included in the monthly MAINTENCE fee.

The bank is now legally obligated to exchange cash for the check if there is enough money in the account.

- Actually, no they are not.  A check is a "Promisory Note" and not "Legal Tender", and there are actually several cases where a bank does not have to be "obligated" to cash the check.  

The bank has already charged the customer/account holder for this service.

- NO.  Any fee the Account Holder pays does NOT cover NON-CUSTOMERS cashing checks. 

This "Non-Customer Check Cashing Fee" is charged by just about every bank.  Don't believe me...then just go to just about any major bank and ask them.  You may be shocked at the answers you get from the bank.

You can avoid this fee by doing one of several things.  You can open up an account at that bank and since you are now a customer you are not charged the fee.  You could deposit the check at YOUR bank, where because you are a customer you are not charged a fee.  Now, if you don't have an account(regardless of the reason) that is not the bank's fault.

If neither of those work, then you can go to any check cashing place and pay their fee.  Or you could ask the person who gave you the check to just give you the cash.

The double dipping bastards not only steal from their customers with random new fees and new policies but now are misrepresenting their customers and not honoring their own legal contract or representation!!!!

- This is NOT a random fee.  A random fee would be one they charge someone and not someone else for the same service.  They charge EVERY person who is a NON-CUSTOMER the same fee. 

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#1 Consumer Comment

Just about every bank charges a fee to cash ANY check IT the person cashing it does NOT have an account with THEM..

AUTHOR: Ken - ()

POSTED: Saturday, June 28, 2014

See how it works with any other bank and let us know what happens. Cash it in your OWN bank and voila, no fee.

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