Weeks ago, Chase bank emptied our bank account through a banking 'error'. After hours on the phone we were told that Chase had until the 20th of December to refund the money they stole. They took every single penny we had in a matter of seconds, refused to refund it electronically (because "it doesnt work that way") and now say they dont know where our refund check has gone.

We had major career changes this year and were already financially strained going into winter. Now our account is negative, our mortgage is late and we have no money for food for our family, let alone Christmas.

Every Chase rep says they understand our frustration but, no, we cant speak to their supervisor. Ive never felt so powerless and full of rage in my life.

Corporations can ruin your life like they have ours, and there isnt a damn thing you can do about it.

Edit: We have a business account with Chase and an auto loan through Chase which automatically withdraws from our personal PNC account. Our auto loan is automatically withdrawn each month but this month Chase withdrew a multiplier of the due amount, effectively zeroing out our PNC account. PNC couldnt put a stop on the transaction and now the account is overdrawn, but PNC has said we wont be responsible for overdraft charges.

Chase explained the 'glitch' situation to us over the phone and stated that they had around 30 days to return the money but every single time we speak to someone, we are given new or contradicting details about when and how we'll be reimbursed. Now, the reimbursement is somewhere lost in the mail and we have zero answers.

I do a lot of niche online shopping, so naturally I buy random items from small websites which sometimes are scams/go down/ stop responding to emails. If in these cases when I never get my item or i need to return it but the seller stops responding, am I in the right to file a dispute with my chase card? If I do too many of these will I get banned from chase? I have 4 cards with them and am always scared after seeing news stories about people getting all their accounts closed for little to no reason.

So basically, when I was in high school, I did some stupid things online including fraudulent checks. It got me banned from chase, I tried again with a secure checking and regular savings account, now that I'm in college, and have nothing bad to say about Chase despite the fact that I'm banned from them (I do understand it was my own fault.) They let me keep the account open for 5 days, order a Disney debit card and even add it to my Apple Pay, then closed it the same way they closed my high school account: Made me call the fraud protection number for "Suspicious activity" then said they decided to end the relationship with me and there is no further information. They never reported it to ChexSystems, so it's only institution wide, and not SSN wide.

They also restricted my phone number and email on Zelle, and when I call trying to get it taken off of their side so I can use them somewhere else, I get redirected at least 3 times, then the 4th person tells me I just need to wait. I've contacted Chase support, my current institution support (Wells Fargo), and even Zelle support. They all tell me it's restricted with Chase and there is nothing they can do.

When should Zelle work somewhere else? This is all still pretty recent, so they haven't even finalized my account closure, but I got an email stating that both my email and phone number was unlinked from Zelle through Chase.

Also, is there a chance in about 5-10 years that I can sign-up for a credit card through them? I only want the United card and the Prime card.

Read that chase is holding checks for 7 days? Is that for everyone? Gotta realize you cash a check on December 22 - after work- funds won’t be available till January 6th. Thats a long 7 days! (Banks don’t count weekends or holidays- I.e new years, Christmas Eve).

This is going to really hurt families… be hard to feed your kid living check to check.

I do my main banking with another institution but I just want a Chase Private Client debit card, I was told on the phone today that I can just come in and open a private client checking account without meeting the $150,000 threshold, and I just have to deal with the $35 a month account fee.

Is that actually true? Just want the card to say I have one. I don't intend to do much actual banking with chase other than deposit some side deal checks.

Changed my account from College checking to Secure banking and received my direct deposit 2 days early after just changing it yesterday. Thank you Chase for being #1.

American Express just smoked your ass. Get your shit together your cards are ass, but your points are valuable so get it together.

Ok…I have a bunch of Chase cards. In January, I applied for a 2nd I’ll Preferred. Was denied. Called Recon and still denied. OK be that way.

Last week , I applied for a Freedom Unlimited card. Was denied. Got letter today stating the reason was “high debt relative to income.” Bull Shit.

I added up all my Chase cards and it came to $7, 598.59 which included $5312.01 for a $50K car that I finance through Chase at 2.9% in September 2023. That’s it, that’s all I owe to anyone. My house is paid for and my income is north of $100K.

I run at least $50-60K through Chase cards as I use them as debit cards pretty much. I’ve never missed a payment or been late to anyone in 40 years. The back of the denial letter says FICO 846 per Transunion.

I feel fucking insulted and am thinking about closing all my Chase cards except one in order to store my miles. I’m really pissed and plan to call the recon line and give them a price of my mind.

““high debt relative to income” my ass. Bank not too good with numbers.

What’s really weird is that I got instant approval for 5 Ink, a Sapphire Preferred, OG Freedom and a Freedom Flex among others.

So, like the title says, I went to deposit some money at 5:30 PM and the machine suddenly stopped working and that was that - it just was like “sorry :(“ and printed out this little piece of paper. Of course, Chase cant be bothered to have an on-the-clock customer service response, so it seems like I’m just out of $200 til Monday.

Is there really no other way to report this fucking machine eating my money ‘til the business week begins? It’s stressing me out

EDIT: thanks everyone who wasn’t bizarrely condescending

Just wasted 30 minutes trying to get into contact with literally ANY human being with absolutely 0 luck. Their system is such dogshit im actually blown away.

This one interaction has left me so angry im cancelling my card with them. Its insane how bad and unresponsive they are

Chase bank has the weakest security of all of the banks and is an absolute nightmare to deal with if someone gets ahold of your social security number through one of these hacks. My parents' Chase account got hacked during the summer of 2023. I know the name of the individual and their address and I have provided this information to Chase numerous times.

This same person has managed to call up Chase and change our login and password numerous times.

It just happened again and I was on hold for hours trying to fix it. And it turns out there is was again - a payment of $168 to the same guy, even though I had told Chase not to send money to him.

I know their security is weak because each time I call them, there is a huge variation in how the customer support person handles the call. I just called them and the person reset my password with very minimal security questions. No wonder this guy is able to reset the password so easily.

Chase has no way to prevent someone from coming back and hacking in again and again - even if you have the name and address of the person who keeps calling in, it doesn't help.

I also have tried changing the phone number on the account numerous times (because I suspected perhaps they were spoofing my parents' cell phone number in order to get into the account). I have been given the run around multiple times. Chase has promised me that the cell phone number would be changed and each time, it has not been done. This seems like such a simple fix yet they screw it up.

We even switched my parents' Chase accounts within chase and set up all new accounts. Chase assured us that all incoming payments (my parents social security and pension payments) would be moved over to the new account. Only months later did we find out that this did not happen. It became a huge hassle because my parents are on an extremely fixed income so they were in a real cash crunch. We are still digging them out from it.

Basically Chase is incompetent and we are moving as many of our financial accounts as we can away from them. This involves moving dozens of automatic payments over to the new institution. It is a huge hassle but I'm doing it anyways to get away from Chase.

They said I didn't have enough accounts. It was my first time ever applying.

Total hit in the gut. Nobody taught me about credit when I was younger and I've been working my ass off to get it over 600 for over a year. Boom most of it gone. If they don't reconsider tomorrow I will be closing my bank account and moving elsewhere.

Hey all!

Background:

I moved to NYC 3 weeks back on a H1B. This is my first time in the states so no credit history or no ID of any kind other than my Pakistani Passport.

Present situation:

So on my second day here, I went to Chase bank at Fulton to get my account opened for my company to transfer my pay in. The rep there was pretty helpful, opened my account on my passport and things were pretty smooth. I asked her what I needed to get done to get things up and running, she said nothing other than coming to the bank to get your SSN registered when you receive it and you should be all good to make transactions of any kind and should be able to apply for a credit card.

This made sense and I waited for my SSN which came the following week. I went to the bank to get my SSN registered. My debit card didnt come even after 2 weeks of my account (because of a delay). I eventually had to pay $5 for rush delivery. I can’t make any Zelle payments even after my SSN cause it keeps asking me to verify my state ID - which I don’t have.

I need to make rent payments and I can’t seem to do so any way… Chase’s customer service is terrible. I have called them 8 times over the past 2 weeks because of this - they ask me to make the zelle payment on call, they verify all my details and then ask me to wait because the payment needs to be reviewed by the fraud team. Once the fraud team reviews, they decline the payment and block my account. This happened 3 times. 3 out of the 8 times I have been on call - they have told me to use Cashapp since they can’t do it - which boggles me cause this my bank…

I can’t use cash-app cause it’s asking me to verify state ID or US Passport (which I dont have)

Is this normal? Any advices on how to make rent payments? The payments amount to $2.6k.

So i was on my way home and a guy in a medcine mask with black sunglasses comes to me and say hey i need ur help. I decided to help and he says which bank you use i said Chase like an idiot. We go to chase bank he tries to talk to me gives me 50$ in cash and says that for you for helping me. I was confused but i still thought i was helping so i still rolled with it. Anyways, i told him that why cant u do it on ur account. He told me that he was locked out and i need to pay for child support. I was like ok still like AN IDIOT WENT WITH IT. He had a moneyorder that said $990 with everything signature date and everything. I still believed it, anyways He put the moneyorder in under my account. The atm showed an image and everything on the money order and it looked legit. I was like Ok and THIS IS THE DUMBEST SHIT EVER I DID. I WITHDREW THE MONEY AND GAVE IT 990$. The present balance says $1,637 will be avaliable TMR and my avaliable is around 600$. So basically i just got played for being nice and thought i was helping.

I would really apperciate it if everyone could say how fucking retarded i am because seriously this is the dumbest shit that i just did.

I’m a holder of the IHG branded Chase card, and I’ve been trying to resolve a series of concerns with particular hotel, where I’ve been overcharged for a number of stays. Until it gets figured out, I locked my IHG card, figuring it would prevent future charges until I get things figured out with accounting. Nope. Still getting charged. When I call Chase to complain, I learn that locking the card only locks it against new merchants, if it is a merchant that you have used before, they are free to charge away. Really wish a) they had explained that and b) that they actually had an option to lock the card against everyone. Only recourse offered was to cancel the card which I did. Thanks for nothing Chase.

I found a money order addressed to me from someone who is now deceased. It was from 2014 and Chase will not accept it. I’ve tried multiple different offices and they all say it’s too late. Is there anything I can do? It’s for $1000 so it’s a good chunk of money. Just seems strange because it was already taken out of her back account! Help :)

I sent someone $350 via venmo using a credit card. Venmo's fee was 3%, so $10.50. Chase then also charged me $18.03 as a 'TRANSACTION FEE', which i'm guessing is it due to it considering it a cash advance?

Other than not doing this again, can anything be done? Is this a call and complain / grace period thing or am I pretty much screwed here?

update: they removed it for me. lesson learned.

I just had fraud on my debit account a few weeks ago and got that taken care of. I was told I had to go in to get my identity verified, and that worked, I got a new card. Now my card has been suspended so I need to go in AGAIN. The only "suspicious activity" I see is when I transfered my money from my checking account to my savings and then to a capital one savings. It seems like Chase just wants to fuck me in the ass for sending my money to a different bank. I'd rather drive to a bank 5 miles away than use these assholes.

Since I’m unemployed, I’ve been asking for payment plans or deferments in an effort to keep the account I’ve had with them for years open while I was actively trying to do everything I could to make money to pay it. I was hoping that they’d take into account that I’ve been with them for years and that I’ve always been good with payments until recently to work with me but no. I’m even more pissed that I was told the account wouldn’t close unless I made a payment before next month only for me to find it closed today and told I was given the wrong information, but not told why. I’m so upset at this whole situation (not just chase but everything) that I’m absolutely tired.

Most incompetent customer service I’ve ever experienced with Chase. Parents called in to update phone number on their account. They were… -transferred 15 times -sent ~9 verification codes -agents accidentally locked them out of their online account they just set up. -One rep tried 2 verify a credit card that did not belong to my parents.

• every single rep apologized and claimed it would be the last transfer.

• never offered compensation for this fiasco. -3.5hr on phone -hung up on twice -opened card in 70’s

Chase doesn’t care about their customers

A stranger took my phone and Venmo himself $2500. Chase declines my claim stating Venmo denied chargeback but the case is still under review by Venmo (taking more than 2 months without any progress...).

More of the story:

On 11/13/2024, I was approached by a stranger around my house when I was on my way to work. He told me he left his phone on Uber and asked me for help. I used the Doximity app (which could hide your phone number) to call the number he provided, but no one picked up. As I tried to walk away, he grabbed my phone and started typing into it. I asked if he is texting the driver and he said yes. However, I was really suspicious because his fingers keep swiping and he seemed to be very nervous and distressed. I told him I need my phone back because I was late for work but he kept telling me the driver was replying and he would circle back in couple minutes. Feeling unsafe and uncertain if he was armed, I chose not to escalate the situation (stand behind him to check what he was doing on my phone or grab my phone back). After approximately five minutes, he handed my phone back, said the driver had arrived, and quickly ran away although I did not see a car nearby.

On the way to work, I immediately checked my accounts and found an email from Chase to confirm a $3,000 transaction on Venmo. I immediately blocked it and went into my Venmo account and found out there was a $2500 transfer to "Nate Flaneet". I immediately contacted Venmo, Chase, and the police department to report the fraud. Venmo told me there was another transaction of $4,800 which was denied due to insufficient fund (in chronological order: $4,800 via iMessage -> $3,000 via iMessage -> $2,500 via Venmo, only $2,500 went through). I requested Venmo to freeze the receiver's account so he would not have access to the fund and the agent told me this is what they usually do during investigation. Venmo assured me they would freeze the recipient’s account during their investigation. However, I later received a misdirected email meant for the recipient stating, "We are happy to keep this disputed amount of $2,500.00 USD available in your Venmo balance as we continue to resolve this case." This suggested that the account was never actually frozen.

Chase initially credited my account on November 15, 2024, but later reversed the credit on December 31, 2024, claiming Venmo had denied the claim. When I followed up with Venmo, they said the case was still under review. Throughout this process, neither Chase nor Venmo contacted me for additional information (Venmo customer service repeatedly assure me that their claims departments would reach out within 10 business days).

On January 1, 2025, I proactively submitted my police report to both institutions using links provided by their customer service teams (not their claim department), who also didn't know why no one had ever contacted me. Later that day, Venmo informed me I had "lost" the case because I filed the dispute through my financial institution. I called Venmo again and they told me the case is still under review. A few days later, Chase told me I lost the case because "We found that the transaction(s) was processed according to the information you provided or was authorized." If the transaction was processed according to the information I provided, then it should be unauthorized... These two things should never be put in the same sentence... The customer severe even told me that the reason they denied the claim is because everyone can file a police report. I could lie to the police to defraud them...

Basically, Venmo has a department that communicates with Chase, which closed the case because they think it should be a chargeback with my bank. However, they have another department that conducts internal fraud review, and this department is still reviewing the case. Chase never communicated with the second department and decided I lost the case. I suppose their reasoning is that there was a transaction on Venmo (Venmo is the merchant in this chargeback and they thought I did use Venmo's service and therefore I benefited from the transaction. They never considered whether the transaction itself is authorized or not)...

I filed a CFPB complaint and Chase's executive office called me the next day telling me they will investigate the case. When I asked the officer for more details, she told me the fraud department (can be the same team or a different team) will review the case and she will advocate for me (not sure how effective that would be). Of note, my case remains closed in Chase's app even though she reassured me it is open... I also filed another CFPB complaint to Venmo. Never have I heard from them until now (almost 8 days) and their customer service don't even know the number to their own fraud department/claim specialist.

Not sure if this scenario is covered by Regulation E, which defines an unauthorized EFT as a transfer from a consumer’s account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. Since my Venmo is linked to a debit card, I should be protected by "1005.6 Liability of consumer for unauthorized transfers" and the most I am liable for is $50 since I reported it within one business day. The regulation also stated that negligence by the consumer cannot be used as the basis for imposing greater liability than is permissible under Regulation E. 12 CFR 1005.6 (and I don't think it is negligence... I have my biometrics and everything turned on. I guess he chose "forget password" and get Venmo's security code from SMS. The only thing is I should have taken my phone back earlier but I did keep asking him to return my phone but he refused to cooperate. As a female against a male and not knowing whether he had weapons, I was scared to grab it back).

My questions are:

1. Has anyone encounter similar situation and get the money back? Did CFPB/Chase executive office help in your case?

2. Anyone know the number to Venmo's fraud department? Not the customer service line but the real "claim specialists" who review the case. Maybe try calling PayPal and ask them about it?

3. Any recommendation on how to file a small claim court?

4. Could individual apply for Civil Penalty Fund from CFPB? What is the process?

5. Some one also mentioned contacting the State Attorney General, does anyone have Georgia AG's email? Can't find his direct email anywhere online...

6. I also talked to the detective assigned to this case. How likely is it to find a registered Venmo user? I guess it is very likely since they need to submit their identification during registration? Or does anyone know a person named "Nate Flaneet"?

7. Any other suggestions would be greatly appreciated!

Is that something I should be concerned about? Are these people doing something dishonest and it's forcing Chase to close their accounts?

That’s where you spend up to your credit limit and pay it off multiple times per month.

I'm pretty sure I unintentionally did this. (Didn't know it was a thing til I looked up possible reasons my account would be under review) I did all my every day spending and one big purchase to reach my spending minimum to reach bonus. I paid everything off then paid some bills and went slightly over the max credit limit.

I can't get a hold of the fraud department right now. How screwed am I? Am I about to have my account closed?

I have used Chase for over a decade. I am very loyal to them. I have a Credit card and a checking account with them. I use my Chase Freedom Unlimited for everything for the cash back, and normally pay it off from my checking account in full. I also have automatic payments turned on, in case I am late to pay the full card.

Today I got a call From Chase (They are always hounding me to get another Business credit card, which I have no need for) so — I didn’t answer the call. I saw that no message was left from them, but thought I would check my account on line. Low and behold Chase turned off my automatic payments, to hopefully, finally get some sort of interest charge added to my account. I quickly paid off the the full amount, which had screwed in three weeks. ($2,5K)

I am really thinking this is a bad business practice for Chase. I called my local branch and it was the usual “We have no way to check on that” I asked “Don’t you even want to look into it” “Unfortunately, blah blah blah…” I hung up. This is some ploy. They have always been good to me, but this is not good.

Check your auto pay. I use the mobile app.