JP Morgan chase Bank in Glendale California chase bank, Michelle L. Rivas( office manager) un believable...worst customer service ever, USF fees ripping off customers, big theif steeling our money!!! Internet

Ronny of course you see no problem reading this report because you always seem to see "Customer Good...Bank Bad".  You also say that the customer should take responsibilty, yet then you go off and explain just about every reason why you think that the bank is wrong and that the customer did nothing wrong.   So just off to the one point on your comment.

..and that is the FACT that WAMU NEVER manipulated transactions from highest to lowest. So many WAMU customers were unaware of the financial hardship this policy change would cost them in fees once Chase took over and their policies kicked in.

Why is it that more and more posters(not just myself) have to come here and correct your "facts".  As we have here the WaMu NEVER did this "fact". Well I think you should take a look at the following report from 2007(well before Chase came into the picture) that specifically mentions WaMu posting transactions from highest to lowest.

http://www.ripoffreport.com/banks/washington-mutual/washington-mutual-is-a-ripoff-cfacg.htm

So who is lying here the person in 2007, which by the way there were several other reports but this one specifically said the posting order.  Or the person in 2009 and you who says that they never did this before?  Because unless you want to think that they did this, stopped posting this way between 2007 and 2009, and then when Chase took over started it again you can't have it both ways.

..and that is the FACT that WAMU NEVER manipulated transactions from highest to lowest. So many WAMU customers were unaware of the financial hardship this policy change would cost them in fees once Chase took over and their policies kicked in.

Now apparently..Chase themselves must realize their customers do not want this policy..since they themselves on their own..have decided to change the policy sometime in the first quarter of 2010..and will no longer be re-sequencing transactions in this fashion.

You see, the policy of "courtesy" overdraft protection..as well as resequencing..was put into place years ago when check usage was much more common place then electronic payments..and debit cards being used like they are credit cards.

I had no trouble making "sense" out of this "complaint" (not rebuttal title) since I fully understand how the old policies to protect check users actually hurts debit card users..and provides no "protection" of anything whatsoever. And customers (as well as ex-employees) of WAMU when subjected to the policies of Chase..many were caught off guard and can not understand what is going on..and hence have EVERY right to lodge a complaint here.

I do agree that an overdraft fee is to be charged if an overdraft occurs..but if the customer and the bank agree that a specific fee is charged "per" overdraft..and then due to the bank manipulating the time and order of transactions unnecessarily OTHER then to maximize fees which the customer was unaware would have this kind of consequence (since WAMU never did this), that the bank in a sense IS ripping the customer off.

No do not get me wrong..I do place responsibiltiy on the customer to be aware of their balance and not spend more then is avalable..but if ANY ADDITIONAL fees are applied that would not have occured but for the banks manipulations and tactics..I do have to side with the customer in those cases. And the lawsuits, future legislation, thousands upon thousands of complaints,and negative media attention must have convinced this bank as well that something is wrong..since I can think of no other reason the bank themself would decide to make policy changes that will actaually cause them to bring in LESS in fees once the changes go into effect. An considering in 09 alone the banks will bring in nearly 40 BILLION (that is Billion with a "B") in these types of fees, this is a good reason to believe the bank realize they were acting in the very least...as unethical. And that is NO joke...this is a pretty deep recession we are in..not a time for a "trusted" financial institution to be bilking the public.

The rebuttal title is a joke, because I have read your original report three times and could barely make sense out of what you are complaining about.  I guess the main complaint is you didn't have enough funds when your car payment came through, so you were too busy (maybe with very good reason) to worry about that one OD fee.  However, the car payment DID hit and since it was the largest transaction, it was paid first and it seems that left you without enough to cover the other bills.  It is an old practice to pay the largest debits first.  It generates a lot of income for the bank.  I have yet to ever have this happen because I keep a very close eye on my accounts and only draw out what is in the bank.  Even after this debacle it looks as though you used your account, since you mention two additional transactions.  The banker you complain about cannot read your mind.  She goes by the screen.  You are the account's owner and only you know what could possible outstanding.  Listen, I think banks should pay the items in order they are presented, not highest first, but since they don't, make sure you have your correct balances!!  Plus I wouldn't go on a website and complain about anyone and be expected to be taken seriously with a letter like the one you submitted.  If this letter is an indication of your personality then I can see why Michelle Rivas (whom I do not know) only reversed one fee.  Treat someone like dirt and you will get it flung back in your face.  Here is a suggestion: Go to the library and get two books.  The first one, "How to Win Friends and Influence People", and, "How to Write a Successful Business Letter", you really need it