OT: Chase sucks………………….fees fees fees fees fees fees

[blake]

If anyone is looking to join Navy Fed but doesn’t have the military qualification, the round about way of becoming a member is joining USA Fed (http://www.usafed.org/). Pending the approval by the NCUA, both credit unions will merge on Oct. 4.

[Anonymous]

Chase bites.

They don’t really help you or work with you. When I originally signed up, I had direct deposit then I got a new job where the employer didn’t offer dd. And I kept getting feed $5 a month for it. I went to the bank location numerous times, asking how to change my accounts because c’mon! 5×12=$60 annually. Someone before said people’s balances should never be near 0. If you’re only making around $600-$800 a month depending on hours, and have to make car payments, insurance, and rent– your balance does get close to $0 at times. And, no, I never had a fancy car. My car was used (Plymouth Neon 2000) and bought for $5,000 total. It broke down five years later and caused some financial distress. I will probably never even spend THAT much on a car again.

Even when I worked a full time and part time job for five months (tax season), my income for the entire year on my tax records was $17,000 spending 12-13 hours working a day for five months. Thankfully, I’ve gotten a better job since, but it still isn’t paying me over $1500 a month.

And what is this $20 fee nonsense? The few times I did OD with Chase, it was a $35 fee. I TRIED to opt out of overdraft “protection.” I’d had a bad experience at another bank (I checked the ATM and it gave me the wrong balance on my account and I wound up ODing and they refused to revert the charges. I was out of state and couldn’t just walk in and show the ATM receipt with the different balance). The banker at Chase wouldn’t let me opt out and said that in order for me to open an account I HAD to have overdraft protection. AND I HAD to have a credit card at 22% interest to boot in order to get the overdraft protection that I HAD to have to open the account.

I finally got one banker to do something about my $5 monthly fees for not having direct deposit. She delayed it for almost a year, but then they started popping up again and I just closed my accounts. Give me a break.

[Anonymous]

Chase bites.

They don’t really help you or work with you. When I originally signed up, I had direct deposit then I got a new job where the employer didn’t offer dd. And I kept getting feed $5 a month for it. I went to the bank location numerous times, asking how to change my accounts because c’mon! 5×12=$60 annually. Someone before said people’s balances should never be near 0. If you’re only making around $600-$800 a month depending on hours, and have to make car payments, insurance, and rent– your balance does get close to $0 at times. And, no, I never had a fancy car. My car was used (Plymouth Neon 2000) and bought for $5,000 total. It broke down five years later and caused some financial distress. I will probably never even spend THAT much on a car again.

Even when I worked a full time and part time job for five months (tax season), my income for the entire year on my tax records was $17,000 spending 12-13 hours working a day for five months. Thankfully, I’ve gotten a better job since, but it still isn’t paying me over $1500 a month.

And what is this $20 fee nonsense? The few times I did OD with Chase, it was a $35 fee. I TRIED to opt out of overdraft “protection.” I’d had a bad experience at another bank (I checked the ATM and it gave me the wrong balance on my account and I wound up ODing and they refused to revert the charges. I was out of state and couldn’t just walk in and show the ATM receipt with the different balance). The banker at Chase wouldn’t let me opt out and said that in order for me to open an account I HAD to have overdraft protection. AND I HAD to have a credit card at 22% interest to boot in order to get the overdraft protection that I HAD to have to open the account.

I finally got one banker to do something about my $5 monthly fees for not having direct deposit. She delayed it for almost a year, but then they started popping up again and I just closed my accounts. Give me a break.

[Anonymous]

Chase bites.

They don’t really help you or work with you. When I originally signed up, I had direct deposit then I got a new job where the employer didn’t offer dd. And I kept getting feed $5 a month for it. I went to the bank location numerous times, asking how to change my accounts because c’mon! 5×12=$60 annually. Someone before said people’s balances should never be near 0. If you’re only making around $600-$800 a month depending on hours, and have to make car payments, insurance, and rent– your balance does get close to $0 at times. And, no, I never had a fancy car. My car was used (Plymouth Neon 2000) and bought for $5,000 total. It broke down five years later and caused some financial distress. I will probably never even spend THAT much on a car again.

Even when I worked a full time and part time job for five months (tax season), my income for the entire year on my tax records was $17,000 spending 12-13 hours working a day for five months. Thankfully, I’ve gotten a better job since, but it still isn’t paying me over $1500 a month.

And what is this $20 fee nonsense? The few times I did OD with Chase, it was a $35 fee. I TRIED to opt out of overdraft “protection.” I’d had a bad experience at another bank (I checked the ATM and it gave me the wrong balance on my account and I wound up ODing and they refused to revert the charges. I was out of state and couldn’t just walk in and show the ATM receipt with the different balance). The banker at Chase wouldn’t let me opt out and said that in order for me to open an account I HAD to have overdraft protection. AND I HAD to have a credit card at 22% interest to boot in order to get the overdraft protection that I HAD to have to open the account.

I finally got one banker to do something about my $5 monthly fees for not having direct deposit. She delayed it for almost a year, but then they started popping up again and I just closed my accounts. Give me a break.

[Anonymous]

Chase bites.

They don’t really help you or work with you. When I originally signed up, I had direct deposit then I got a new job where the employer didn’t offer dd. And I kept getting feed $5 a month for it. I went to the bank location numerous times, asking how to change my accounts because c’mon! 5×12=$60 annually. Someone before said people’s balances should never be near 0. If you’re only making around $600-$800 a month depending on hours, and have to make car payments, insurance, and rent– your balance does get close to $0 at times. And, no, I never had a fancy car. My car was used (Plymouth Neon 2000) and bought for $5,000 total. It broke down five years later and caused some financial distress. I will probably never even spend THAT much on a car again.

Even when I worked a full time and part time job for five months (tax season), my income for the entire year on my tax records was $17,000 spending 12-13 hours working a day for five months. Thankfully, I’ve gotten a better job since, but it still isn’t paying me over $1500 a month.

And what is this $20 fee nonsense? The few times I did OD with Chase, it was a $35 fee. I TRIED to opt out of overdraft “protection.” I’d had a bad experience at another bank (I checked the ATM and it gave me the wrong balance on my account and I wound up ODing and they refused to revert the charges. I was out of state and couldn’t just walk in and show the ATM receipt with the different balance). The banker at Chase wouldn’t let me opt out and said that in order for me to open an account I HAD to have overdraft protection. AND I HAD to have a credit card at 22% interest to boot in order to get the overdraft protection that I HAD to have to open the account.

I finally got one banker to do something about my $5 monthly fees for not having direct deposit. She delayed it for almost a year, but then they started popping up again and I just closed my accounts. Give me a break.

[Anonymous]

Chase bites.

They don’t really help you or work with you. When I originally signed up, I had direct deposit then I got a new job where the employer didn’t offer dd. And I kept getting feed $5 a month for it. I went to the bank location numerous times, asking how to change my accounts because c’mon! 5×12=$60 annually. Someone before said people’s balances should never be near 0. If you’re only making around $600-$800 a month depending on hours, and have to make car payments, insurance, and rent– your balance does get close to $0 at times. And, no, I never had a fancy car. My car was used (Plymouth Neon 2000) and bought for $5,000 total. It broke down five years later and caused some financial distress. I will probably never even spend THAT much on a car again.

Even when I worked a full time and part time job for five months (tax season), my income for the entire year on my tax records was $17,000 spending 12-13 hours working a day for five months. Thankfully, I’ve gotten a better job since, but it still isn’t paying me over $1500 a month.

And what is this $20 fee nonsense? The few times I did OD with Chase, it was a $35 fee. I TRIED to opt out of overdraft “protection.” I’d had a bad experience at another bank (I checked the ATM and it gave me the wrong balance on my account and I wound up ODing and they refused to revert the charges. I was out of state and couldn’t just walk in and show the ATM receipt with the different balance). The banker at Chase wouldn’t let me opt out and said that in order for me to open an account I HAD to have overdraft protection. AND I HAD to have a credit card at 22% interest to boot in order to get the overdraft protection that I HAD to have to open the account.

I finally got one banker to do something about my $5 monthly fees for not having direct deposit. She delayed it for almost a year, but then they started popping up again and I just closed my accounts. Give me a break.

[Anonymous]

[quote=joec]Yeah, I hate Chase and BofA…One reason that I avoid all these free cash promos now. Not only is your information now at another institution, but the headache to deal with ANY problems just sucks big time…

I just had an issue with my son’s acct which they were charging him that $5/fee when it was mentioned that it was no fee when the acct was opened. Went back and forth and in the end, the guy opened the wrong account to begin with.

The supervisor’s/branch managers suck too at Chase and don’t do squat.

I think I mentioned my BofA issue earlier as well which I don’t think is resolved yet.

Oh yeah, wait till year end, you’ll get a 1099 for the $100 for the new account as well (we needed to open a biz acct so got that promo). Yep, don’t let the door hit you in the *ss on the way out!

I closed out my BofA acct a while back and they wouldn’t issue me a check since a cashier’s check cost $15 bucks or so…No exceptions according to the lady teller.

I also closed out my acct at SDCCU (didn’t need a mortgage anymore and trying to ‘simplify’ my life) and they had a fee, but the nice teller at least just waived it and cut me a check.

Just think, we bailed out a lot of these banks too.

I haven’t gotten around to it, but I am planning to open a Schwab IRA acct as well as a bank acct for their no fee ATMs worldwide. Maybe they aren’t as bad.

You’d think someone can fix minor fee problems for you at any of these places, but the penalty fees make up 2/3rds(?) of a banks revenue/profits or something insane so that maybe why they are so anal about it.

Anyone know if Union bank fees you to death as well?[/quote]

I also think so.

__________________
http://moviesonlineworld.com

[Anonymous]

[quote=joec]Yeah, I hate Chase and BofA…One reason that I avoid all these free cash promos now. Not only is your information now at another institution, but the headache to deal with ANY problems just sucks big time…

I just had an issue with my son’s acct which they were charging him that $5/fee when it was mentioned that it was no fee when the acct was opened. Went back and forth and in the end, the guy opened the wrong account to begin with.

The supervisor’s/branch managers suck too at Chase and don’t do squat.

I think I mentioned my BofA issue earlier as well which I don’t think is resolved yet.

Oh yeah, wait till year end, you’ll get a 1099 for the $100 for the new account as well (we needed to open a biz acct so got that promo). Yep, don’t let the door hit you in the *ss on the way out!

I closed out my BofA acct a while back and they wouldn’t issue me a check since a cashier’s check cost $15 bucks or so…No exceptions according to the lady teller.

I also closed out my acct at SDCCU (didn’t need a mortgage anymore and trying to ‘simplify’ my life) and they had a fee, but the nice teller at least just waived it and cut me a check.

Just think, we bailed out a lot of these banks too.

I haven’t gotten around to it, but I am planning to open a Schwab IRA acct as well as a bank acct for their no fee ATMs worldwide. Maybe they aren’t as bad.

You’d think someone can fix minor fee problems for you at any of these places, but the penalty fees make up 2/3rds(?) of a banks revenue/profits or something insane so that maybe why they are so anal about it.

Anyone know if Union bank fees you to death as well?[/quote]

I also think so.

__________________
http://moviesonlineworld.com

[Anonymous]

[quote=joec]Yeah, I hate Chase and BofA…One reason that I avoid all these free cash promos now. Not only is your information now at another institution, but the headache to deal with ANY problems just sucks big time…

I just had an issue with my son’s acct which they were charging him that $5/fee when it was mentioned that it was no fee when the acct was opened. Went back and forth and in the end, the guy opened the wrong account to begin with.

The supervisor’s/branch managers suck too at Chase and don’t do squat.

I think I mentioned my BofA issue earlier as well which I don’t think is resolved yet.

Oh yeah, wait till year end, you’ll get a 1099 for the $100 for the new account as well (we needed to open a biz acct so got that promo). Yep, don’t let the door hit you in the *ss on the way out!

I closed out my BofA acct a while back and they wouldn’t issue me a check since a cashier’s check cost $15 bucks or so…No exceptions according to the lady teller.

I also closed out my acct at SDCCU (didn’t need a mortgage anymore and trying to ‘simplify’ my life) and they had a fee, but the nice teller at least just waived it and cut me a check.

Just think, we bailed out a lot of these banks too.

I haven’t gotten around to it, but I am planning to open a Schwab IRA acct as well as a bank acct for their no fee ATMs worldwide. Maybe they aren’t as bad.

You’d think someone can fix minor fee problems for you at any of these places, but the penalty fees make up 2/3rds(?) of a banks revenue/profits or something insane so that maybe why they are so anal about it.

Anyone know if Union bank fees you to death as well?[/quote]

I also think so.

__________________
http://moviesonlineworld.com

[Anonymous]

[quote=joec]Yeah, I hate Chase and BofA…One reason that I avoid all these free cash promos now. Not only is your information now at another institution, but the headache to deal with ANY problems just sucks big time…

I just had an issue with my son’s acct which they were charging him that $5/fee when it was mentioned that it was no fee when the acct was opened. Went back and forth and in the end, the guy opened the wrong account to begin with.

The supervisor’s/branch managers suck too at Chase and don’t do squat.

I think I mentioned my BofA issue earlier as well which I don’t think is resolved yet.

Oh yeah, wait till year end, you’ll get a 1099 for the $100 for the new account as well (we needed to open a biz acct so got that promo). Yep, don’t let the door hit you in the *ss on the way out!

I closed out my BofA acct a while back and they wouldn’t issue me a check since a cashier’s check cost $15 bucks or so…No exceptions according to the lady teller.

I also closed out my acct at SDCCU (didn’t need a mortgage anymore and trying to ‘simplify’ my life) and they had a fee, but the nice teller at least just waived it and cut me a check.

Just think, we bailed out a lot of these banks too.

I haven’t gotten around to it, but I am planning to open a Schwab IRA acct as well as a bank acct for their no fee ATMs worldwide. Maybe they aren’t as bad.

You’d think someone can fix minor fee problems for you at any of these places, but the penalty fees make up 2/3rds(?) of a banks revenue/profits or something insane so that maybe why they are so anal about it.

Anyone know if Union bank fees you to death as well?[/quote]

I also think so.

__________________
http://moviesonlineworld.com

[Anonymous]

[quote=joec]Yeah, I hate Chase and BofA…One reason that I avoid all these free cash promos now. Not only is your information now at another institution, but the headache to deal with ANY problems just sucks big time…

I just had an issue with my son’s acct which they were charging him that $5/fee when it was mentioned that it was no fee when the acct was opened. Went back and forth and in the end, the guy opened the wrong account to begin with.

The supervisor’s/branch managers suck too at Chase and don’t do squat.

I think I mentioned my BofA issue earlier as well which I don’t think is resolved yet.

Oh yeah, wait till year end, you’ll get a 1099 for the $100 for the new account as well (we needed to open a biz acct so got that promo). Yep, don’t let the door hit you in the *ss on the way out!

I closed out my BofA acct a while back and they wouldn’t issue me a check since a cashier’s check cost $15 bucks or so…No exceptions according to the lady teller.

I also closed out my acct at SDCCU (didn’t need a mortgage anymore and trying to ‘simplify’ my life) and they had a fee, but the nice teller at least just waived it and cut me a check.

Just think, we bailed out a lot of these banks too.

I haven’t gotten around to it, but I am planning to open a Schwab IRA acct as well as a bank acct for their no fee ATMs worldwide. Maybe they aren’t as bad.

You’d think someone can fix minor fee problems for you at any of these places, but the penalty fees make up 2/3rds(?) of a banks revenue/profits or something insane so that maybe why they are so anal about it.

Anyone know if Union bank fees you to death as well?[/quote]

I also think so.

__________________
http://moviesonlineworld.com

[JC]

Just another vent about Chase — this time about their credit card.

I never carry a balance, just use the card for the rewards and such and pay it off every month.

Had a big event to go to last night and tickets had to purchased online. I went to buy tickets and my card was declined and I was unable to purchase the tickets and go to the event. (Ok, I should not have waited until the last min, but have been working crazy hours).

Had to call Chase to find out that they shut it off for a $7 charge that they flagged as fraudulent. (I think it was, so I appreciate the flagging).

The issue? They did not notify me. They claim the called me and left a message on my cell phone and basically told me I was a liar when I assured them that no call or message was on my cell phone from Chase.

The next rep I spoke to told me he could not see any record of a message being left but that they did not always leave messages and that their practice was to maybe send an email if they could not get a hold of a person in a few days?

Maybe I have the wrong expectation, but with other cards I have had in the past I have always received a call and/or a voice message so that I could confirm or deny if a purchase was mine.

I am sure that they all have their issues, but I’ll be shopping for a new card…

[JC]

Just another vent about Chase — this time about their credit card.

I never carry a balance, just use the card for the rewards and such and pay it off every month.

Had a big event to go to last night and tickets had to purchased online. I went to buy tickets and my card was declined and I was unable to purchase the tickets and go to the event. (Ok, I should not have waited until the last min, but have been working crazy hours).

Had to call Chase to find out that they shut it off for a $7 charge that they flagged as fraudulent. (I think it was, so I appreciate the flagging).

The issue? They did not notify me. They claim the called me and left a message on my cell phone and basically told me I was a liar when I assured them that no call or message was on my cell phone from Chase.

The next rep I spoke to told me he could not see any record of a message being left but that they did not always leave messages and that their practice was to maybe send an email if they could not get a hold of a person in a few days?

Maybe I have the wrong expectation, but with other cards I have had in the past I have always received a call and/or a voice message so that I could confirm or deny if a purchase was mine.

I am sure that they all have their issues, but I’ll be shopping for a new card…

[JC]

Just another vent about Chase — this time about their credit card.

I never carry a balance, just use the card for the rewards and such and pay it off every month.

Had a big event to go to last night and tickets had to purchased online. I went to buy tickets and my card was declined and I was unable to purchase the tickets and go to the event. (Ok, I should not have waited until the last min, but have been working crazy hours).

Had to call Chase to find out that they shut it off for a $7 charge that they flagged as fraudulent. (I think it was, so I appreciate the flagging).

The issue? They did not notify me. They claim the called me and left a message on my cell phone and basically told me I was a liar when I assured them that no call or message was on my cell phone from Chase.

The next rep I spoke to told me he could not see any record of a message being left but that they did not always leave messages and that their practice was to maybe send an email if they could not get a hold of a person in a few days?

Maybe I have the wrong expectation, but with other cards I have had in the past I have always received a call and/or a voice message so that I could confirm or deny if a purchase was mine.

I am sure that they all have their issues, but I’ll be shopping for a new card…

[JC]

Just another vent about Chase — this time about their credit card.

I never carry a balance, just use the card for the rewards and such and pay it off every month.

Had a big event to go to last night and tickets had to purchased online. I went to buy tickets and my card was declined and I was unable to purchase the tickets and go to the event. (Ok, I should not have waited until the last min, but have been working crazy hours).

Had to call Chase to find out that they shut it off for a $7 charge that they flagged as fraudulent. (I think it was, so I appreciate the flagging).

The issue? They did not notify me. They claim the called me and left a message on my cell phone and basically told me I was a liar when I assured them that no call or message was on my cell phone from Chase.

The next rep I spoke to told me he could not see any record of a message being left but that they did not always leave messages and that their practice was to maybe send an email if they could not get a hold of a person in a few days?

Maybe I have the wrong expectation, but with other cards I have had in the past I have always received a call and/or a voice message so that I could confirm or deny if a purchase was mine.

I am sure that they all have their issues, but I’ll be shopping for a new card…

[Author]

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