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Report: #523344

Complaint Review: JP Morgan chase Bank in Glendale California - Internet

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  • Reported By: ea — glendale California United States of America
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  • JP Morgan chase Bank in Glendale California 620 N Brand Blvd, glendale ca 91203 Internet United States of America

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

*Consumer Comment: Actually..OF COURSE..

*Consumer Comment: Of course..

*Consumer Comment: Mia..there is something you need to take into consideration..

*General Comment: Of course it makes sense!

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nothing make sense with chase bank  system. there are lot of errors and no one want to see it or believe it. on Monday Nov 9th, 2009 my checking account that i only pay my bills with was positive and by Wed. 11th it became -200 due to JP Morgan chase bank NSF fees. i got charged 6 times. when i checked on Monday noon my account in the branch located in universal city, ca everything was fine all my 5 transactions were cleared out and my account still was positive, the only charge was not gone through was my car Pym of 490.00. in the branch i deposited a check which they put it on hold for a day and they do not even allow me to cash the checks, this funds not being available caused my account not have enough available for my car payment. i called the branch later and agent told me not to worry about anything if my car Pym come through by midnight the bank will pay but i will get one NSF 33.00 charge. since i was short on time having my dad in the hospital for brain surgery i let it go and i was fine with one penalty fee. on Tuesday i checked my account and all that was changed.  my car Pym went through midnight and since i was short they place that transaction before all my old charges that was cleared on Monday noon. this caused my account showing all my transaction as NSF. no one still can explain how this works. went to Glendale location which was Washington mutual bank before and Michelle Rivas office manager for this chase bank all had to tell me was about their jacked up policy and contract, asked if i read their contract all their customers got it and i should have read it, i told her my account is paperless i did not get anything then she said well i should check my emails then, because they did send it via email; she explained that their system shows the car Pym came through before and i kept telling her that was not true because on Monday all my transaction showed were cleared so in my world car Pym is suppose to be posted after what i saw but in world is different. she said how the bank does is that they do not care what time transaction come through they pay the big amount first which in this case my car Pym was highest amount then my other five transactions; this does not make sense to me and I can not understand how their system smoothly rip you off without you knowing whats happening. after couple hours of frustaion and headache i gave up and she only took off one fee and credit me 33.00  out of 132.00 . today Friday the 13th 2009 I checked my account there are 2 more NSF. because after they taking their fees  of 132.00i had another 2 transactions came through and made my account negative. i cant take this any more it amazes me how this bank just in day light steeling our money and i can not do anything about this. this is wrong and is steeling if this happen to me i  know it happens to millions out there as well.  JP Morgan Chase bank is steeling from everyone by using their stupid contact and policy as an excuse to steel from all of us. there is no customer service there is no understanding no compermising nothing as long as they rip you off they are good. I can not wait to close this account and move on to another company because this is the worst bank ever; very disappointed from this well known company and their staff they are like robots brain washed...by contracts and chase policy!!!

This report was posted on Ripoff Report on 11/13/2009 10:58 AM and is a permanent record located here: https://www.ripoffreport.com/reports/jp-morgan-chase-bank-in-glendale-california/internet/jp-morgan-chase-bank-in-glendale-california-chase-bank-michelle-l-rivas-office-manager-523344. 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:
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#4 Consumer Comment

Actually..OF COURSE..

AUTHOR: Ronny g - (USA)

POSTED: Thursday, November 26, 2009
You would clutch at straws to defend a bank and prove a customer wrong. This is nothing new. The reason I sometimes state the customer should take responsibility is because they should..and then CORRECT..I then I explain what the bank did as well since if I respond here..it is usually to point this out. And apparently the BANK agrees since they are changing policy..so perhaps your argument is whit the BANK and not me personally..I am merely stating the FACTS.

And speaking of FACT..and to answer your question..you stated...

"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."

I don't think anyone is "lying". According to the link you left..the poster states...

I have been banking with washington mutual
for several years. Over the past year, my local branch closed and I noticed that they had suddenly started playing with the order of my transactions.

This makes no sense. What does the local branch closing have to do with the bank "suddenly" start playing with the order of transactions? Perhaps another bank took over? All conjecture..WAMU customers know they do not re-sequence transactions..so anyone stating they do is probably not lying..but confused.

This same poster also says something about them listing the transactrions "by the minute"...so I think it would have been very obvious if the bank was actually doing any manipulations.

Regardless Robert...we have both seen the same complaint here enough..it is FACT the once CHASE took over and started re-sequencing transactions..that complaints increased. This is indisputable fact so hang it up. You need to do research and not depend on a few posts that are in error to your defense against customers lodging a legitimate complaint here. Or trying again with much failure to discredit me for simply stating FACT.

My issue is not against you Robert..so why the attacks against me from you? Do you really LOVE this bank that much?


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#3 Consumer Comment

Of course..

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

POSTED: Thursday, November 26, 2009

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.

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#2 Consumer Comment

Mia..there is something you need to take into consideration..

AUTHOR: Ronny g - (USA)

POSTED: Thursday, November 26, 2009

..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.

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#1 General Comment

Of course it makes sense!

AUTHOR: Mia - (USA)

POSTED: Wednesday, November 25, 2009

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

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