Okay...im a pretty smart person. However when it comes to financial things im just not that savvy in this department and i think i may need some help. Heres my complaint. SEVERAL times i have used the option "credit" instead of "debit" when i make a purchase. When i use debit AND credit, i always check my balance and it ALWAYS is taken out of my account immediately. Ok, no problem there...however when i use credit, the balance IS taken out...but three or four days later, when it posts to my account it is taken out AGAIN!!! This has overdrawn my account several times. but it never happens when i use debit. I have called the bank twice about this on different occasions. they both have told me that "It looks like the money is taken out but its actually on hold and when it posts to the account the held money is then taken out"...ok, NO thats BULLshit because it took out of my account twice! If the funds were on hold, they would be on hold- NOT taken out, right?? Long story short when i use credit it seems i am charged twice, because the money is taken out right away...so why is it taken out AGAIN when it posts to the account?? And why does this not make any sense to me?? If anyone knows the answer or has had a similar problem please email be, i wont ever check this again probably. But if i can find enough people who have this same problem and it IS a scam of some sort like im thinking, please email me and let me know. this is really bothering me...please email me and let me know if this is a valid complaint or offer an explanation of it that makes sense LOL cause the workers just dont make sense to me!

natalie
[email protected]

I deposit my State of California check every pay day in the ATM, the bank makes some funds available same day but it's not an issue. As long as you deposit by 5pm your full deposit is ready the next day. I have been doing this for 3 years, every month like clockwork. Today was Thursday June 30, 2011 the State issued checks are dated July 1, 2011. I went and deposited my check in the ATM at 9:30am as usual and it lets me review the check and accept. Immedatley on the screen pops up "THESE FUNDS ARE SUBJECT TO HOLD", I had never seen this message before but what was more disturbing was when it printed out the reciept and it said funds not available until July 5, 2011. Mind you July 4th is a holiday for EVERYONE. I immedatley panicked of course and got on the phone to ask them to remove the hold, thinking this had to be a glitch, how could there be a hold when i do the same thing every month, after 3 transfers and being hung on 3 times, i finally asked for the direct line to loss prevention which is where they were sending me. Loss prevention!? HUH WHAT?!?! WHY??? When i finally get thru they ask me a number of questions, how much did you deposit, when was your last deposit...it's like hello i know you have it up on your screen! So i tell them i need the hold off by Friday morning and she tells me...well we were not trasmitted an image of the check. and i said AND? what does that have to do with me? I don't maintain your ATM's, it showed me the image and asked me if i accept! So what you are telling me is my funds are on hold until your system sh*ts out a picture of the check i deposited? Had i had not been at work i think i would have gotten a bit more upset, i told her that was not acceptable to make customers pay for THEIR error, how bout a warning on ATM's? "use at own risk a picture of your check may not transmit to us because our system is fickle and you will have to pay the consequences of not having access to you money for 4 to 5 days." basically she said funds would be available Friday at 12 midnight, which is still not ok, they needed to be available next day. I was to frustrated and annoyed to stay on the phone any longer or argue with someone who really had no control over the situation at hand. Her suggestion was for ME to call THEM back in the morning to see if MY check had finally transmitted an image to them...ITS YOUR SYESTEM WHY IS THIS MY BURDEN NOW!? My words is to just be careful, it could happen to you, i guess i got in a comfort zone, same check, same atm, same deposit ritual and bam one day, they slap a hold on it.

Wow, I see alot of misrepresented accounts handled by Chase Bank. My daughter was contacted by Wells Fargo that they froze her account due to suspected fruad activity-so what did she do contacted Chase to inform them. She went and got a police report any innocent person would do. The check that was deposited was for $2100 made to look like a check from a payday loan store that was fake no signature on the back of the check!! when she asked chase to review the transaction via film to prove her innocence she was told the cameras do not work.
Why make her go thru the headache of completing a police report and running all over town to different branches pleading her innocence. I dont understand how Chase allowed for this amount to be deposited without putting a hold on the funds in order to verify its accuracy -Mind you whomever made the check out used Chase as the bank along with its routing/account info that they didnt even look into perhaps this could've been your thief... Now she's inelgible to get a checking account...
thanks for nothing Chase!!! If there's a class action suit she's in!!

This complaint is regarding a deposit that was made on Friday, June 17 at 17:51 PDT. My wife went to the local branch to make two separate deposits in the drive thru window. The first deposit went through fine in the amount of $75.00 into account ending 0341. The second was in the amount of $200.00 into account ending 1399. My wife still has the receipts as proof of the deposits. Later that day we checked the accounts online and noticed the deposit in the amount of $200.00 was not shown. The deposit in the amount of $75.00 was shown however. My wife than called me and I also looked for the deposit and could not find it. I told my wife to wait until the next day for the deposit to show. My wife then called customer service that night as she was told to by the branch. She called Chase Bank customer service at the 1800 number for Chase. The Customer Service agent told her she could not help her and transferred her to the Claims department. There my wife spoke to Rose Gonsalez and she also told my wife that there was nothing that she could do for my wife and that she needed to go down to the branch where she made the deposit. I find this very disturbing since every transaction has a transaction ID number to track it with, and they did not ask for this number or use it to track the transaction. So on Saturday, the next day, my wife went to the branch and demanded to speak with a branch manager. She spoke with Brendan and he assured her they would honor any withdrawals since she had to transfer money from another account to cover charges. This is fine, but it still does not explain to what happened to the $200.00 deposit. Brendan told my wife the deposit was still at the branch, and for some reason it has not made it to the central repository to be processed. Brendan treated my wife very well and took care of her, but still could not find the $200.00 in her account. It is now Sunday, three days since the deposit and it is still not shown. It is now Monday and the deposit finally shows a credit after 4 days later.

I am extremely dissapointed and outraged with the level of customer service that Chase provides to the point that I planning on switching Banks this month! It is extremely frustrating to call in for assistance an not be able to communicate with the representative, they have this overseas call centers with employees that are difficult to understand an them understand us. They offer little to no assistance i can not say that i was helped once since they started, im not sure when it started because i don't call in too much but i use to be able to call an get help now i NEVER finish a phone conversation because i end up talking really loud and slow so they can understand me i end up so mad i dont even want to deal with the situation. i called an cancelled my card Monday and here i am Friday an they're are charges on my card why because the other person on the end of the phone did not communicate with me well. an here i am trying to call back to tell them i cancelled my card why are they're charges an im getting xfer to fraud and every other department available!! ALL BECAUSE IT IS HUMANLY IMPOSSIBLE TO COMMUNICATE!!! i am frustrated with this situation beyond belief an would rather bank else where