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Report: #281366

Complaint Review: JPMorgan Chase Bank, N.A. - Salt Lake City Utah

  • Submitted:
  • Updated:
  • Reported By: Clearfield Utah
  • JPMorgan Chase Bank, N.A. Salt Lake City, Utah U.S.A.

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Chase bank has been one of the worst banks that I have been involved in over the past 20 years. I have had overdraft protection for any account that I have ever had in any bank and had great success in being able to deal with errors (bank or my own) in resolving issues. I have even had good success with Bank One (now Chase) until the past year. I have been charged over $400 for small overdrafts of approx. $5.00 or even $11.00 - It has been outrageuous what they charge and their inflexibility. It has usually been a timing issue with them allowing items to attempt to access my account. I even had to change checking accounts because of some fraud issues. The worst case of them charging fees was a $6.00 transfer that escalated into over $440 worth of fees and none would be refunded. I have shown proof of bank errors and also talked to several managers over a 3 week period of time for one small amount of $5.60 - they (Chase) would rather lose millions of dollars of investment business from my clients than refund the $fees over the past year. Nothing has worked. I would not recommend anyone to use their services ever. Bank of America was much better to work for any banking purposes. I would also recommend CitiBank or other state banks but NEVER EVER recommend Chase again. I sent hundreds of General contractors to do their business with Chase when I switched from my previous bank - I wish I never would have done that. They are the worst in rip-off scams. I hope this helps many people.

Hatechase
Clearfield, Utah
U.S.A.

This report was posted on Ripoff Report on 10/27/2007 11:26 PM and is a permanent record located here: https://www.ripoffreport.com/reports/jpmorgan-chase-bank-na/salt-lake-city-utah-84101/jpmorgan-chase-bank-na-outrageous-fees-charged-for-overdrafts-of-5-12-fees-mulitplyi-281366. 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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18Consumer
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#18 Consumer Comment

(shaking head)

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

POSTED: Thursday, November 01, 2007
Quote: Also, when I say 'referring business', it means to give them names of banks I 'trust', not telling them all the banks I don't trust. You would know this if you have ever 'referred' business (of any type) to anyone.

I submit that any person who is considering investing "millions" already has a few banks that they trust and wouldn't need or solicit banking advice from an architect.

People normally solicit advice from trained professionals and their peers. If I need advice concerning managing my business I consult with fellow business owners, the SBA, and others who manage services in my industry. If I need advice on banking and investments, I consult bankers, investment managers and financial lawyers.

If I need advice on how I'd like an addition to my home, I consult with my wife and friends for ideas and then I HIRE an architect to develop building plans. I don't ask the architect where I can get financing. I wouldn't ask an architect for financing sources any more than I'd ask a car dealer for financing sources. You get a better deal shopping for credit (or financiers) yourself.

I don't solicit financial advice from my employees.
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#17 Author of original report

Thanks Cory

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

POSTED: Wednesday, October 31, 2007
I appreciate the great comment.
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#16 Consumer Comment

LOL

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

POSTED: Wednesday, October 31, 2007
All of a sudden - Mr. hatechase doesn't like the fact he's being criticized? LOL. You have the freedom of speech but dislike the consequences associated with expressing your idiocy. By posting here, you made it all of our business. Back off? Oh yeah!! LOL - good luck with that!!

For someone who has been in business for 25 years and not know how a bank does business is idiotic. If you started out and just found out - that's one thing. But to come here, claim you've been in business for 25 years, and not know how your bank controls your money? You are a fool - bottom line. God forbid your contractors read your rant and found out how you like to throw your money away, and to a bank? They would be laughing their butts off at the local pub. The bank loves people like you because you make money for them through your own carelessness and foolishness. But hey, that's your business, right? I would personally learn why this happened, take corrective action, and not get mad at a bank for something you did to yourself.

The only thing that will help people from your post is never to deal with a bank if they can avoid it; they would be better off at a credit union. To recommend any of your contractors to a bank really cracked me up too. Maybe what you really need is to recommend to yourself and others is a "Banking for Dummies" course so you can join the millions of other people in this country who could use a basic education on how not to lose their money. I mean there are people posting to ROR that have lost thousands because they don't know; they're just like you. You need to sign yourself and your contractors up for a class like that; those guys never have 2 coins to rub together except when it's beer time. So for those reading this ROR - here's something to take from this report: Never practice banking the way hatechase does - you will be poorer for the effort. Go to a credit union instead.

Your situation is a perfect reminder to me when I think about the value of keeping track of everything from a monetary standpoint. If you had done it, you would be several hundred dollars wealthier.
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#15 Consumer Comment

The Way The Real Business World Works

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

POSTED: Wednesday, October 31, 2007
A real business person could care less who he likes or dislikes. If he's looking at a multi-millon dollar project, he's gonna go with whoever gives him the best spread. If chase gives it to him/her, that where he'll go. I dislike BoA, but they gave me the best deal on several loans, so they got my business. As the saying goes, it's not personal, it's business.
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#14 Author of original report

ah ha. "Bart" is showing his 'true' intelligence level.

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

POSTED: Wednesday, October 31, 2007
Now you show your true colors. I won't even stoop to your level. Since you are so "perfect", you can say whatever you feel like BIG MAN. ha.

Best wishes in your perfect little life. Must be nice to be so perfect. Get a life dude.
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#13 Consumer Comment

Ha, you really are a tool.

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

POSTED: Tuesday, October 30, 2007
Put your e-muscles away sluggo. You aren't the only "big business man" to post on the internet.

"Do not comment on my business until you have been in my situation or have had over 25 years of banking experience."

>yeah, I can see where this big "25 years of experience" has gotten you. You can't even keep a register and avoid NSF fees - it must be everyone elses fault.

"If you have had more experience than that and never had a NSF then mind your own business also - you must be perfect."

>Not perfect but do know how to manage my money and keep an accurate register. If I am strapped I do without. I don't need to impress alleged million dollar clients.

"Then you OBVIOUSLY don't really understand the situation - I am not a joker and I am trying to give helpful advice."

>You are not giving helpful advice. You are blatanly LYING about a business that you scoffed at their policies joker.

"Also, when I say 'referring business', it means to give them names of banks I 'trust', not telling them all the banks I don't trust. You would know this if you have ever 'referred' business (of any type) to anyone."

>Again, I do jackass, as I refer people to businesses. And then when they ask "what about company B?" - becauase the people I deal with do thorough research and not just with 2 bit wannabes - that is when you have to tell them why. See, you would know about that if you REALLY did have all these important clients that you allege. People with alot of money are people who usually do thorough research - not just take a check bouncer's word.

"There is never any reason for me to reveal any problems that I have had and revealing any of my personal situations is none of anyone's business either."

>Again, see above. If you don't do that, then you are lying to them and why should they then trust you at all.

"Go on with your own business and let others take this advice. This is not your personal forum to slam someone for having made a mistake or two."

>You've clearly made more than just a "mistake or two" to be getting all these fees you cry about that you embarrassed yourself right out of a bank you formerly dealt with. Perhaps you should call Trump. I'm sure he'd be fascinated on where to bank since you have such a pulse on the matter.
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#12 Author of original report

BACK-OFF To "Jim" & "Bart"

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

POSTED: Tuesday, October 30, 2007
Mind your own business since you don't understand the entire story and you are speculating. Do not comment on my business until you have been in my situation or have had over 25 years of banking experience. If you have had more experience than that and never had a NSF then mind your own business also - you must be perfect. Then you OBVIOUSLY don't really understand the situation - I am not a joker and I am trying to give helpful advice.

Also, when I say "referring business", it means to give them names of banks I "trust", not telling them all the banks I don't trust. You would know this if you have ever "referred" business (of any type) to anyone. There is never any reason for me to reveal any problems that I have had and revealing any of my personal situations is none of anyone's business either.

Go on with your own business and let others take this advice. This is not your personal forum to slam someone for having made a mistake or two. BACK-OFF
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#11 Author of original report

BACK-OFF To "Jim" & "Bart"

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

POSTED: Tuesday, October 30, 2007
Mind your own business since you don't understand the entire story and you are speculating. Do not comment on my business until you have been in my situation or have had over 25 years of banking experience. If you have had more experience than that and never had a NSF then mind your own business also - you must be perfect. Then you OBVIOUSLY don't really understand the situation - I am not a joker and I am trying to give helpful advice.

Also, when I say "referring business", it means to give them names of banks I "trust", not telling them all the banks I don't trust. You would know this if you have ever "referred" business (of any type) to anyone. There is never any reason for me to reveal any problems that I have had and revealing any of my personal situations is none of anyone's business either.

Go on with your own business and let others take this advice. This is not your personal forum to slam someone for having made a mistake or two. BACK-OFF
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#10 Author of original report

BACK-OFF To "Jim" & "Bart"

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

POSTED: Tuesday, October 30, 2007
Mind your own business since you don't understand the entire story and you are speculating. Do not comment on my business until you have been in my situation or have had over 25 years of banking experience. If you have had more experience than that and never had a NSF then mind your own business also - you must be perfect. Then you OBVIOUSLY don't really understand the situation - I am not a joker and I am trying to give helpful advice.

Also, when I say "referring business", it means to give them names of banks I "trust", not telling them all the banks I don't trust. You would know this if you have ever "referred" business (of any type) to anyone. There is never any reason for me to reveal any problems that I have had and revealing any of my personal situations is none of anyone's business either.

Go on with your own business and let others take this advice. This is not your personal forum to slam someone for having made a mistake or two. BACK-OFF
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#9 Author of original report

BACK-OFF To "Jim" & "Bart"

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

POSTED: Tuesday, October 30, 2007
Mind your own business since you don't understand the entire story and you are speculating. Do not comment on my business until you have been in my situation or have had over 25 years of banking experience. If you have had more experience than that and never had a NSF then mind your own business also - you must be perfect. Then you OBVIOUSLY don't really understand the situation - I am not a joker and I am trying to give helpful advice.

Also, when I say "referring business", it means to give them names of banks I "trust", not telling them all the banks I don't trust. You would know this if you have ever "referred" business (of any type) to anyone. There is never any reason for me to reveal any problems that I have had and revealing any of my personal situations is none of anyone's business either.

Go on with your own business and let others take this advice. This is not your personal forum to slam someone for having made a mistake or two. BACK-OFF
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#8 Author of original report

My business

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

POSTED: Tuesday, October 30, 2007
Mind your own business since you don't understand the entire story and you are speculating.
Do not comment on my business until you have been in my situation.
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#7 Consumer Comment

Make sure to Change Your Login....

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

POSTED: Monday, October 29, 2007
Whenever you end up at the next bank - just make certain to change your login here to "hate (insert name of new bank)". What you face at Chase is what your going to face everywhere. As often as you overdraft, you'll become every bank's best friend in the world. Everyone (including the other banks you mention) is pretty much changing to posting your deposits/transfers AFTER your debits are posting. Only a fool would recommend their clients go to another bank where the same thing that happened to you will happen to them.

The only place you're not going to experience what you did is a credit union - check with them and see if they'll let you open a business account there. If you have 5-6 overdraft transactions, you'll generally end up with 1 OD NSF fee per day, not 5-6. Of course, should you not replenish the account the next day, you will get hit with another fee, but that situation is under your control.
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#6 Consumer Comment

You're a joker.

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

POSTED: Monday, October 29, 2007
"Read again
I REFER business to my clients - I am an Architect who works with several developers doing millions of dollars worth of business yearly. My own personal finances are my own business and nobody knows my finances except my accountant and myself (most of the problems are due to ex-wives).

I have the opportunity to refer bank business for developers to banks on occasion and I will not refer them to Chase because of the problems they have caused with my small house account. My business account was changed to a different bank long ago because of Chase's attitude about customer service.

I hope this clarifies your skepticism. Be my guest and test out Chase for yourself - 'buyer beware'."


>>So what are you going to tell these "million dollar" customers when they ask why you would not refer this bank or you try to get them to leave this bank that has been treating them well? That it's just because you don't like them? Ha Ha.
That is when you will have to share your financial information and irresponsibilty to others.
Blame alleged "ex-wives" all you want. that is always an easy out. And if that is indeed the case, shouldn't the ripoff be against this alleged ex-wife and not the bank that was just doing business according to their own guidelines that you agreed to when you opened the account? Since when is the bank a marraige mediator?
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#5 Author of original report

whatever

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

POSTED: Monday, October 29, 2007
Yes, they obviously are "tired" of working with me. That was not the point of my post - it was only to forewarn others about their fees and how they escalate rapidly. I have heard of other banks charging fees of approx. $120 over a time period of 6 months for a $5.00 check on a closed account but not over $400 in a 2 month time period.

buyer beware.
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#4 Author of original report

Read again

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

POSTED: Monday, October 29, 2007
I REFER business to my clients - I am an Architect who works with several developers doing millions of dollars worth of business yearly. My own personal finances are my own business and nobody knows my finances except my accountant and myself (most of the problems are due to ex-wives).

I have the opportunity to refer bank business for developers to banks on occasion and I will not refer them to Chase because of the problems they have caused with my small house account. My business account was changed to a different bank long ago because of Chase's attitude about customer service.

I hope this clarifies your skepticism. Be my guest and test out Chase for yourself - "buyer beware".
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#3 Consumer Comment

They probably got tired of "working" with you

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

POSTED: Sunday, October 28, 2007
You may have been able to get fees refunded in the past, and most banks do refund fees if it is your first or second offense. However, because they refunded your fees in the past, you believed they would again. They probably got tired of working with you and decided not to refund any more fees.

Also, remember, overdraft protection merely means they will pay your overdraft items, but they still charge you the fee. Overdraft protection does not mean no fee.
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#2 Consumer Comment

Interesting.

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

POSTED: Sunday, October 28, 2007
"they (Chase) would rather lose millions of dollars of investment business from my clients than refund the $fees over the past year"

So, you allegedly do millions of dollars in investment business, but can't keep an accurate check register or pay overdraft fees that you really shouldn't be getting if you have millions of dollars?

Or are you implying that someone who does have millions of dollars is acually going to listen to someone who can't manage their own money?
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#1 Consumer Comment

Interesting.

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

POSTED: Sunday, October 28, 2007
"they (Chase) would rather lose millions of dollars of investment business from my clients than refund the $fees over the past year"

So, you allegedly do millions of dollars in investment business, but can't keep an accurate check register or pay overdraft fees that you really shouldn't be getting if you have millions of dollars?

Or are you implying that someone who does have millions of dollars is acually going to listen to someone who can't manage their own money?
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