Complaint Review: Chase Bank - houston Texas

  Nobody cares what team rebutts posts!!!

Donna (Our Original Poster):

You have been conspicuous quiet during all the rebuttals.  How about answering the questions I asked of you?

I am sorry, I find it had to believe that Chase did not tell you the reason they closed your account. 

If you are going to publically trash a company, you should be required to present all the facts, so can you answer my questions about your past banking history?

We would like to know if that had any thing to do with Chase closing your account.

There is a lesson here to be taught to those who feel that excessive overdraft fees were wrong.
But it was the only thing that was allowing sub prime banking customers to have a bank account.

We will be waiting for your Response.  And hey Josey, let her answer this question, stop enabling h er!!!

I really doesn't matter why someone puts a report here.  Once you post something on a public site, you should expect to get any kind of opinions or comments whether you like them or not.  That's how it works.

Incidentally, many reports are completely off the wall too and that's their right also.

Your silly comments are just humorous and a waste of bandwidth.  However, you  have a right to post your irrelevant rebuttals also.  It apparently makes you happy so go for it.   No one cares.

 People do not post here to be insulted by the likes of you or any members of team rebutts. They post to let the world of abuse from companies. Please the mission statement of ripoffreports.

Hey Outlaw:

When you post personal business about disputes you have with others on the web, as Donna did, you are leaving yourself wide open for people to have questions.

I have questions, and since Donna is using this forum to disparage a National Bank on a National Forum, I feel that Donna should answer tthe questions posted to her.

If she doesnt want others to respond to her claims of being cheated, then she should stay off of sites like this.

 3 rebutts from the team, Iamnogood and strident regular rebutters with nothing to say. 

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You might want to request your free credit reports from annualcreditreport.com and really review them. When a bank asks you to bring in ID like this it usually indicates that the information you gave them in trying to open the account doesn't match up with information already in their system. It is possible that someone has stolen your identity and opened or tried to open an account with Chase. When you applied their was a discrepancy in address and possibly other information. So please take some steps to make sure your identity is safe.

And, Chase like every other bank & credit union does have the right to refuse to open an account for you. It would be nice if they gave a reason but they don't have to.

In the days prior to congress putting restrictions on the overdraft protection on a account, when the bank customer would use a debit card to pay for a purchase , and did not have the money, the customer paid a 35.00 fee, and the bank would pay the debit card transaction to the vendor.

Because so many customers did not keep check registers, they were using this overdraft protection more, and more, until the customer started complaining. 

The banks were forced to turn off overdraft protection,  unless the customer asked to have it turned back on.  This cost the banks BILLIONS of dollars in fees a year.

Banks were no longer interested in keeping customers who kept minimum balances, and who had a history of these kind of transactions. 

What prob happened to you was that they allowed you to open up the account, but it took a few weeks to get back your credit history, and banking history, and found you had a history of bouncing checks, and using your debit card when you did not have enough money to cover the purchase, so they closed your account. 

The potential costs to the bank by a customer who had a history of bouncing checks, and improper use of a debit card far outweighed the benefits they would of received having you has a customer.

This is just speculation.  Am I right, do you have a history of such activity I described above.

Please let us know.

In the days prior to congress putting restrictions on the overdraft protection on a account, when the bank customer would use a debit card to pay for a purchase , and did not have the money, the customer paid a 35.00 fee, and the bank would pay the debit card transaction to the vendor.

Because so many customers did not keep check registers, they were using this overdraft protection more, and more, until the customer started complaining. 

The banks were forced to turn off overdraft protection,  unless the customer asked to have it turned back on.  This cost the banks BILLIONS of dollars in fees a year.

Banks were no longer interested in keeping customers who kept minimum balances, and who had a history of these kind of transactions. 

What prob happened to you was that they allowed you to open up the account, but it took a few weeks to get back your credit history, and banking history, and found you had a history of bouncing checks, and using your debit card when you did not have enough money to cover the purchase, so they closed your account. 

The potential costs to the bank by a customer who had a history of bouncing checks, and improper use of a debit card far outweighed the benefits they would of received having you has a customer.

This is just speculation.  Am I right, do you have a history of such activity I described above.

Please let us know.