I checked my charter one account as normal...today...october 15th. I found that all debits/withdrawls from atm card were being doubled for the last week. This was not on there the previous day. When i called the representative(very rude) said they were having computer problems and she had 200 people on hold and thats all she could tell me...besides that it would be fixed that day. 6pm I call because it hasn't been fixed and they tell me tomorrow...all my funds are locked up. I ask for a manager and get Kendon...I explain my distress and he says there is nothing he can do and it will be fixed the next day...i told him when i make a mistake, you rake me with fees...but when the bank holds all my funds hostage because of their mistake...i get a it will be fixed tomorrow. I said at least refund my last fees...he laughed and told me it doesn't work that way... stay away from charter one...poor customer service... they rake you with fees...and than laugh

J.WEIER

Charter One Bank Stole My Money!

I was charged $1599 in just five weeks in insufficient fund fees from Charter One Bank. In Chicago, Illinois. I contacted Charter One bank regarding these excessive overdraft fees. I spoke to, Chris Graszer, regional assistant branch manager. I asked Mr. Graszer was there any way they could reverse about $700 for two weeks so my rent check could go through the bank and Charter One could put the fees back on my account in two weeks when I get paid again. He said no, and that the only solution he had for me was to close the account. I told Mr. Graszer I was a long time customer for almost 20 years. I have had frequent problems with insufficient charges of the past couple of years. In the past five weeks I have Charter One took $1599 in insufficient fund fees out of my account. I am a single mom who brings home about $1600 a month the bank fees ate two of my last paychecks. I had no money for rent, gas, food etc. I borrowed money from family members, my retirement account at work and any money I had went into the account but it ate my money. To survive I wrote checks for food and gas that of course, bounced but I did not have choice in order to feed my child and get to work. I contacted Charter One on September 10, 2008 and spoke with a Chris Graszer and explained my dire situation. He told me he would see what he could do for my and call back. He never called back even after I left three voice mails. I called and called until he picked up on September 12, 2008 and he was very rude and said my rent check will just have to bounce and that it is my fault you are spending more money than you earn. He told me I should close the account because I could not manage the account, so close it. I explained the bank makes money from poor people like me off the fees they charge and that you have been for years. He said he was not going to anything to help me. He said I had used my debit card twice in two weeks. I explained when I used the card my account was positive and I been putting all my money in Charter One so, I had to use the card to buy food to live and I must have the medical supplies for my sick daughter, the total charge was about $75 it this is only because I was desperate. He said we are not reversing the fees ever for me and told me to close the account. I explained my rent check was going to bounce and he said that was not his problem and told me to come up with another solution.

I only was asking Mr. Graszer to remove the fees for two weeks until my next paycheck so; I could feed my family, pay my rent and get to work. The fee reversal would have only been temporary the bank would not have lost any money. They have made thousand of dollars off me in the past two years in overdraft fees; I do not understand why they would not want me to keep the account to make more money off me, not to mention help one of their loyal customers I admit I probably don’t make enough money to pay my bills and they charged me fees even when my account was positive and let charges go through even if there was not enough money to pay the charge. The account got out of hand because a retailer was to defer my billing date until November but they did not and my account just got out of hand. I am not a bad person just a poor person.

Charter One Not Your Typical Bank.

Today, August 21, 2008 I received a notification dated August 18, 2008 that effective September 1, 2008 my account which happens to be a Certificate of Deposit that doesn't mature until October, will be charged a $30 fee for being an inactive account. The letter starts out by stating: Dear Customer, We want you to get the most out of your accounts with us... blah, blah, blah, therefore we are going to screw you over by charging you $30 because you haven't deposited any additional funds in your CD since you opened it...and you can't close out your account prior to this date without paying a penalty for early withdrawal. The letter goes on to state that even if the account becomes active again, they will still charge the fee. Also, this amounts to only a 10 day notification of a change in policy. What a crock of crap. I plan on filing complaints with the Federal Reserve Board as well as the State Attorney General. If this were a savings account or a checking account I maybe could understand the fee, but not on a CD account. I have many bank accounts with several different institutions and have never been treated like this.

My fiancee and myself closed our checking and savings accounts with Charter One Bank on June 10, 2008. We were closing due to Charter One fees. After a month and a half went by we recieved a notice from Charter One stating we OWE them $259.95 due to a payment made on June 18, 2007. Seems Charter One made a payment to our AT&T account for $150.95. they charged us $39.oo overdraft fee and 2 $35.00 late fees for a total of $259.95. I explained to the representitive that I didn't recieve the first notice, only the second. I then asked the representitve why would CharterOne pay a bill if the account is closed. Her explaination was CharterOne reopened the account. I was fuming by this. I was then told i would have to come back thew next day and speak to another representitive to see about getting the charges removed. I said im not paying for these charges, since it was your bank that reopened my account without my prior knowledge. So I went back the next day (today 7-23, 2008) and the lady won't be in til after 12:30 p.m. . How nice I said I brought in my AT&T statement and showed the lady there that Charter One didn't make july's payment since it was kicked back to me, why didnt they do that it June when the account was closed? She had no answer for that. I explained to the representitive to Please have someone call me at my house on my time and walked out the door. DO NOT BANK AT CHARTER ONE OR SHOULD I SAY COMMERCIAL BANK SINCE THEY WERE BOUGHT OUT LAST YEAR.

I am a former employee of Charter One Bank in their business banking department. What a horrible place to work, poorly managed, poorly compensated, poorly trained; or well should I say not trained at all... Lets start from the beginning. This company portrayed this job to be everything that it wasn't. I originally took this job as a lender instead I ran around the city looking for checking accounts, not the most ideal thing to be doing especially for a college grad with 13 years experience in banking. Also as a business banker, knowing that I would have a territory of branches I expected to be somewhere near my home. OOPS I thought wrong, the closest I ever got to my home was 31 miles away. I kept hearing promise after promise about getting me closer to my house. Never Happened.

Secondly, this department is so poorly managed that the executives had no idea what was happening from region to region, and they were promoting people into management that first, had NO management experience, and secondly never finished college. This is how bad it got. There was a region-wide conference with business bankers and business banking executives in February. I was planning on going until my grandmother passed away the day before the conference. Upon calling my manager, who I thought would have been sympathetic, I was told and I quote 'IF THERE WAS A DAY THAT I NEEDED YOU TO BE THERE THIS WAS THE DAY.' My mouth dropped. I was even asked, oh can you goto the funeral then meet us in our meeting!!! I obviously stood my ground and said this is a family affair and I will not be disturbed. She could not make a decision on her own, she called her boss to ask him if it was alright if I attended the funeral of my grand mother. Unbelievable.

Lastly, there is such a lack of training in this job it is unbelievable. I spent maybe a day in training learning products, services, and computer systems. They expected me to be able to produce and function efficiently. Ya Right. I hit the road not knowing what the heck I was doing.

This is just bits and pieces of what goes on at Charter One Bank. I would never work for them again, nor would I ever suggest anyone to ever work there.