Complaint Review: Chase -

After 10 years of never stepping into one of their branches, after switching all accounts to a better bank, I made the mistake of opening a retail card backed by them and finding out that despite being fined, despite being forced by the district attorney to refund over $300 million in fees, they still continue the same old games, in order to gain fees from their customers who most of them, pay because they don't want to deal with further aggreviation.

Chase Bank has proven to be incompetent, and reading so many similar complaints, seeing fines they pay, wonder how on earth they still survive?

I opened a retail card with them, not knowing they were the backing bank. The gift card was just too appealing. Who would say no to $200? 

Once I found out they were the backing bank, I took steps with my own bank to make sure they only got money I approved. This meant opening an account with no overdraft, and only letting them have access to it. If they tried to get more, my bank would refuse it and they would be the ones paying the fees, not me.

I liked the % cash back, and pay the card off multiple times each month, so they can't charge me interest. What do they do? They hold payments 7 to 10 days, or try to calling it float pay, even when paying with bank check or money order at the branch. Use the card so much, I average $150 a month in points!! To get around their float pay tactic, I opened another account to keep extra funds in, as they said on recorded call that there will be no wait time on paying the card off from one of their own accounts. Know what they did? They started canceling my payments and transfers, in attempt to collect fees, saying that my paying them often is a red flag issue. Paying a bank often is red flag?

If payments returned I'd say possibly, but they have not had one single return on any deposit I have made! Since I pay the card off within days of it's use, they are paid off long before the due date, so when they cancel the payments, there is no risk of getting dinged for paying late, which I learned from dealing with them years ago. 

I also am under the impression they finally figured out I was the reporter who exposed them so many times in the past, that once I identify myself on the phone, they hang up immediately! I call, there is no yelling, no cursing, just my info to prove who I am and they just hang up on me. 

To this date, since the accounts been opened, they have not been able to impose a single fee. Even when canceling payments I get them paid regardless to avoid another small claims with them. Taken them to small claims in the past, it's easy to do and they can't use their attorneys. 

I wish I could say they have improved over the years, but they haven't, they gotten worse. 

I deal with their executive department often. Only one employee there knows their stuff and I won't name them as I rather not get them fired for being the only one there who does their job. Rest in that department, are drones who have their own agenda on bank policy. Don't take my word for it, call them and see for yourself. Each employee will say something different, and make up policy at whim and tell you no one else can help you. That is until you call back and get someone else who knows their job. Think of it like mom says no, so you ask dad who you know will say yes, but so much worse because with Chase, it's like having 200 mom's and dads, and you got to find the right one who knows their stuff.

Credit and Teacher credit unions are the best. If it wasn't for this high yield cash card, I'd never have gone back to Chase. Hopefully, someone else may one day back this card instead. They sure as heck will Never have access to my main accounts, ever. Been nice having stress free years not using them. 

If you have been hit with excessive fees, especially when payments been stopped by Chase, just use small claims. Most states it's pretty quick. 

I'll update this if things change, or they retaliate like they did years ago.