Chase
Reviews and Complaints

Then I handed separate 3 different stacks fo money and verbally communicated amounts. The cashier never physically counted the cash I handed her, only used the money counting machine but never communicated to me the total. The teller counted each increment individually; I could not see the total displayed anywhere At this point there was zero communication that the increments were different than what I handed her and communicated to her. She told me to look at the pin pad for the total and press the green button while she put the money into the large money counter. The screen displayed $6,000. I immediately told her that was not the correct amount that I gave her. She said that the money was already in the machine, and she could not take it out to recount it in front of me. I asked the manager to recount money, but they only performed an audit of the machine. I requested to check the cameras to see where the error occurred but was informed that can't be done. The lack of professionalism, transparency, and honest business practices. I am used to teller always counts the money by hand in front of you as well as with the machine for a second layer of verification and communicates the total prior to taking the money behind the desk. Was that a machine error or employee theft I want justice to this case.

In a little over a year after opening a JPMorganChase checking account and a brokerage account, I lost confidence in Chase based on the way I was treated, and I closed all accounts. A summary of the issues I experienced at JPMorgan Chase follows.

Denied credit card even though I had excellent credit rating and had extensive assets in the brokerage account.

As a JP Morgan Chase private client with Brokerage and Checking accounts, I was denied a United Airline credit card that would have saved $300 on my UA flight. I was later also denied a Chase Freedom credit card after an offer was sent to me by Chase. In both cases I received a letter from Chase stating that I had an excellent credit rating, but there was an issue with past history.

I did research and found out that Chase has a binary rule (5/24) rule stating that you won't be approved for a Chase credit card if you've opened five or more cards from any bank (excluding most business credit cards) in the past 24 months. This rule is never stated in the credit card application. I have opened credit cards that offered cash bonuses after a fixed dollar amount was charged to the card and paid. In one case, the offer was a $200 bonus after $1,000 was charged to the card within a set time period and paid off. Taking this offer yields $200 benefit with no additional expenditures as long as the credit card is used to make the necessary purchase. Using such bonus offers is an excellent way to manage personal finances.

Chase put a 10 day hold on a check I deposited in the Checking account.

I deposited a check from my account in another bank into the Chase checking account. The funds would eventually be used to add addition funds into the JP Morgan brokerage account. My outside bank paid the amount within 2 days. The brokerage account had assets 30 times larger than the amount of the check. I do not see the basis for the 10 day hold except for the ability to use the time value of the money by Chase to make additional profit at my expense.

JPMorgan incorrectly titled/registered the Brokerage account with the wrong Trust date, and omitted one of the trustees. When I noticed the error (yes, I noticed it and JPMorgan did not), I notified the Client Advisor about the error. 46 days later, I closed all JPMorgan Chase accounts with the error not corrected.

During this 46 day period there was no change in the title/registration of the Brokerage account after numerous efforts on my part to get JPMorgan to make the correction. On two separate occasions I was told that the error would be corrected within a couple of days. As a note, I provided a copy of our “Declaration of Trust when the checking account was opened. The Checking account title/registration properly reflected the Trust’s under agreement dated (UAD), and two Trustees. At a meeting to check the status of efforts to correct the trust date error. I was requested to sign a “Trust Certification” certifiying to a fact that was not true. I lost confidence in JPMorgan/Chase after I was encouraged to sign a document that all meeting personnel knew was not true.

My effort to have this incorrectly titled/registered trust account fixed included:

A) I called JP Morgan/Chase customer service [protected]) requesting assistance in getting the bank error fixed.

B) A formal complaint with JP Morgan/Chase asking for their assistance, and requesting a change in advisor. There was no change to the advisor.

C) An email was sent requesting assistance in fixing the trust issue to Mary. Erdoes (mary. [protected]@jpmorgan.com) CEO of Asset and Wealth Management LOB. I never received any response from this organization.

Hello Everyone that has a Chase credit card out there, I was betrayed by Chase Bank after being a Loyal Customer for over 30 Years...Whaaat! Yes you heard correctly. I've been with Chase Bank since it was Washington Mutual, and I've always paid my bills on time of course through out the 30 years I have had a few late payments as life happens with Deaths in the family, COVID, ect. But I always paid my bills and so my limit was like 22 grand on my card and I've through the years have Max out my card a couple of times and always paid it off in full and of course recharge on it. So on January of 2024 I had like 21k Charged on the card and I received a check and deposited it for $9100.00 and I called them several times saying to them my plans, that the entire check received was going to be used to pay the credit card but they didn't clear it till after the due date hmmm, and even though I called to let them know my purpose with the funds several times the news landed on deaf ears because they still charged me a late fee ( incredible) and after I paid $9100.00 dollars they REWARD me by REDUCING My limit DOWN ? like $8,000. As if to PUNISH Me for being a Loyal Customer for over 30 Years Now, You'd think I called Consolidated Creditors to SHORT THEM Out Which I would never do because I'm from the OLD School so I believe in paying for the things I charge/buy, so Please take note that You May Be Loyal to CHASE Bank but DON'T BELIEVE THEM and Don't Expect Anything from THEM As much as They say That They Stand By Your Side to Help You Because They DON'T, They Only HELP THEMSELVES and Don't Care about PEOPLES Real Life and Situations as They Claim to be there for You. So USE THEM But BE AWARE That THEY will CUT YOUR TRUST DOWN and BETRAY You in an INSTANT. THAT'S the REAL HARD TRUTH I HAD TO SEE, FEEL, And EXPERIENCE With CHASE Bank for MYSELF after Believing THEY CARED for Me, WHAT A JOKE. Samuel C. A CONCERN CUSTOMER FOR THE PEOPLE of THIS GREAT NATION (USA). PEACE, LOVE, And HAPPINESS to ALL. It's Time to FIND a Better Bank.

Not only the website is friendly, easy to navigate and the voices on the other end of the phone are coherent, friendly and professional. When you walk into a branch, it is also a positive response. I needed something notarized today, Citibank does not do it anymore. Debra from the Chase branch on Columbus and west 72nd took care of me in a
Courteous, professional and friendly manner. I promised her i will shout out for Chase and i am a man of my word!

This app will freeze up will change font size will kick you out of your own account. Will not recognize your ID will tell you your password is invalid or expired. When you call customer service, they will blame it all on you. Regardless of the fact that they are site down servicing their online app or updating, whichever will fall on the customer, including those with disabilities with sight a complete nightmare from the entire time I have been a member of Chase Bank! Some customer service, rude and disrespectful to customer belittling them.

Banking services ar pretty spread nowadays and it's difficult to avoid them. I tried to deny the presence on high technologies like debit cards and credit cards in my life, however I started to understand that I can't exist without them. I applied here in order to take out a credit card because i needed money for acquiring new bicycle for summer. The customer support managers are pretty responsive and reliable here. They answered all my questions and helped me with the process of taking out credit card. I'm really grateful to them and now I feel very happy.

I had the pleasure of reopening my account after I was exonerated for a crime I did not commit and was incarcerated for 7 months.
The assistance I received on the phone today was exceptional. I could not help but share my story as I had no other explanation for why my account had no deposits on it and only recurring charges for over 7 months.
I am getting my life back on track and Chase assisted me in doing so. To new beginnings, and banking again with old friends. Happy to be in good standing again with my financial institution of 15 years.
Michael Osterman

In my opinion, all the financial institues are so underestimated. There is a belief in society that they're created specially for one main purpose. This purpose is to make people poorer and get all their money from them. Nevertheles,, it's not like that and if you have financial literacy then it won't be difficult for you to sort out in every financial instrument which is provided by banks. I have decided to take out a mortgage because I understood that everything would be okay. This company provides me with brilliant conditions, because I have financial literacy.

I was convinced that I would never require any financial help from the side. However, I understood that those ones who have never taken out loans, they are lack of financial literacy because loans really teach you how to operate with the money. I was lack of financial literacy and decided to apply to this company in orde to take out my first loan and of course I also asked a help from th managers in order to understand how to opeate with this loan. I literally passed the whole course, dedicated to financial literacy and big thanks to the managers here. They are true professionals who enlight people.

I have never used debit cards of cerdit cards because I was convinced that all of these financial instruments are for those people who can't comply with traditional ways of managing money. However, I started to understand that nowadays our world is extremely dveloping and it's very difficult to avoid credit or debit cards. I applied to this company in order to ask them to help me to sort out with these financial instruments. Managers here helped me a lot and now I acquired new debit card and already know everything about using it. Of course it was pretty difficult but ginally I sorted out in this stuff.

Today I was blessed with most kindest considerate, genuine, customer service representative I've spoken to in years. Because of this wonderful angel I was reminded that the world is full with genuine joyfulness souls. Yel Gamboa and I couldn't have been on the phone for more than 20 minutes and she made my life so much easier. Yel Gamboa is the reason I will forever bank with Chase and will never forget the peace and great customer service she gave me. So thank you, Yel Gamboa! Keep up the good work with your amazing customer service skills. A abundance of prosperity will continue to be with you. I would like to say thank you Miss supervisor that I spoke with regarding my wonderful experience You're peaceful words were greatly appreciated.

Leah Dunbar

I liked Chase for CC's but had an issue back in 2020 (Old Review Below). But since then they've fixed most of the issues and I've again enjoyed using their cards that offer Cash Back! I save a TON on Gas, Groceries, Take-out, etc... I was getting a new card every few years and now have 3 Chase Cards. Out of the 12 cards I have, I use the chase ones the most. That 5% adds up :) I pay fully every month via BillPay to avoid interest. They also offer Credit Journey which is an awesome motivator to keep track of how your FICO is doing (Currently 824, WooHoo!), Other cards have their perks too, like Discover also offers Cash Back and Simplicity offers Two additional years warranty on some products whereas most others only double your product warranty (Did you even know that? Check your Card info). But 90% of the time I use one of my 3 Chase Cards. I'm Very happy with Chase now.

OLD BAD REVIEW:

I stopped using my Chase Credit cards for 4 main reasons. (1) You can no longer get statements from them through BillPay. (2) They provided a 12 month 0% transfer offer, but after accepting, they made 1st months payment equal 90% of the transfer amount. Basically, I paid a transfer fee and had to pay the total transferred to avoid interest. (3) No matter how many times I've asked, they will not stop sending me junk email. The emails contain NO opt-out links and going to the site and un-checking all marketing options does not work. (4) Their Fees for transfer are much higher than most any other card. They have gone from a 5 star Card provider to a one star in about 3-4 years. I recommend Discover or AMEX rather than Chase for Credit Cards.

Long story short, my boyfriend and i left truist bank and wells fargo separately to get a joint account, and i got a second one for myself at chase bank. Both of these accounts are the college checking account. With chase bank, in order to get a joint account, we had to go into the branch and meet with a representative, so we did and it was a smooth and easy process. As stated in an email received from chase shortly after making my accounts, our representative confirmed that the cards for the two accounts should be there within 3-5 business days. I would like to add that since we expected everything to be ready and usable so quickly (3-5 business days), we transferred all of our money from truist and wells fargo over to chase using zelle. The money took a little while to transfer into chase, but maybe that is unrelated to chase bank. Anyways. So when 7 whole days pass and we haven't received anything in the mail, i had to go into a chase branch to pull out cash. When i met with the teller to get the cash, i asked about the status of our cards, and he said that they hadn't even been MADE yet. That's right. 7 complete days of the week went by, and my cards we not even in existence at that point in time. If he said they were shipped, i would've been satisfied since they were on the way, and i wouldn't have been upset that it was taking so long to get to me because i don't think that that would've been their fault at that point. So that was definitely frustrating. But it keeps going. Since we had no access to our money, and haven't closed the wells fargo and truist accounts yet, we decided to use zelle again to transfer all the money back. By doing so, we triggered something in the system that caused them to lock both of our accounts due to suspicious activity. In the mobile app, when this happens, there is a pop-up box explaining why you can't access your account and it provides a phone number for you to call. Unless you call as soon as they open, do not expect to get an answer. It's their customer service line and they are helpful to a certain extent, but good luck getting them to answer in the first place. Anyways. We both called over and over and over again and stayed on the line for 30+ mins each time for two days after about 12:00 noon each time. The third day of trying, i called as soon as they opened and i got an answer instantly. The lady couldn't figure out what was wrong and told me that she couldn't unlock it, but to call the branch because they can. So i called the branch, and they told me to call the customer service line, unaware that i already did, and said that they can't unlock it, but customer service can. So please tell me who exactly is able to unlock it if they both claimed each other could and could not unlock it? So i called a different branch to see if maybe talking to a different person would lead to better answers, which it did. They informed me that the branch cannot unlock accounts, and then referred me to the technology line because they believed that since zelle is what caused the issue, that technology would be the best people to talk to. So i got on the phone with them and they were able to unlock it for me. As all of this is happening, we still haven't received the cards in the mail. Also, some of the money never transferred over. It was still in the chase accounts, so it's alright. But since we were scared by using zelle so soon that we'd lock the account again, we tried setting up apple pay because at this point, the cards were created. Before i get to the actual story, here's a backstory: a couple months ago my boyfriend lost his wells fargo card. Since no money ever got taken out of his account without him knowing, he knew that it wasn't stolen, so he didn't care to get a new one. He still had access to the card on apple pay, and if he needed to use a physical card, he was able to instantly transfer money from wells fargo to cashapp, so he could use his cashapp card instead. He finally decided to order a wells fargo card about two days after i created the chase bank accounts. Yes he got his card days before the chase ones came in. But that's not my point here. My point is that when the card was still in the mail and inactivated, he was still able to connect the card to apple pay and use it as he usually would. Back to the actual story. Since he was able to use his wells fargo card on apple pay already, we tried connecting both chase cards to apple pay. It didn't work. It kept saying that the expiration date was incorrect for the reason it couldn't connect to it. So i called the branch. The lady told me that i "wasn't the first one to call about this today" and that she had already made the system aware of the issue somehow. I never called about this issue again, but i kept trying and it didn't work. A little over two whole weeks have gone by, and FINALLY the cards arrived. When i opened the cards and looked for how to activate them, the sticker at the top right corner in a bright red box and dark, bold letters, said that the cards can't be used at all until they're activated. This means that they can't be connected to apple pay until they are activated. This explains why we had this issue. To test that theory, i activated both of them and within minutes was able to connect them to apple pay. I really wish the bank teller could have told me that before i had to deal with days of frustration. But yeah. The story continues. This last friday i received a paper pay check that i finally deposited at an atm five days later. When it no longer said "pending" in my account, it said that there was a hold on it and that i couldn't access the money for ten whole days. I called the branch and the guy said "there are a number of reasons this could be happening," and basically said there's nothing i can do about it. I called a second branch, cause i learned with the apple pay and unlocking my account that the first branch i called doesn't tend to know what they're doing or talking about, and they said that this hold is because my account is younger than 35 days and that they need to verify the check. I have never had this problem before with wells fargo or truist. For these checks in the story, they usually went into the wells fargo account. He has never had this happen before. For my first job, i got paper checks that i was TAKING PICTURES OF and submitting to the bank and i never had this happen either. The second branch referred me to the customer service line to try and speed up the process, and of course, they never answered. Needless to say, i have had nothing but problems with chase bank since i opened my accounts and as soon as this check deposits, i'm taking our money out, closing the accounts, and going to a different bank.

I've been a Chase customer for over 13 years, but this year they really let me down. A few weeks ago, I deposited a large check, but because the phone number for the law firm couldn't be verified electronically, they froze my account without telling me. This caused a lot of problems for me, and I was really angry that they expected my lawyer to come to the branch to verify the check instead of reaching out to the law firm themselves. To make matters worse, they put a 9-day hold on the check, which was just terrible service after all the years I've been with them.

Then, just this week, I went to pay off a loan at a credit union and they charged me a 3% fee for $450, which they called a cash advance on a "debit card." I was really confused and frustrated, and the customer service reps on the phone just kept arguing with me and making me angrier. They said the credit union charged the fee and they were just passing it on to me, but when I spoke to the credit union, they said they didn't charge any such fee. After an hour of trying to get to the bottom of it, the Chase reps finally admitted that it was just a fee that Chase charges for this type of transaction, which I didn't even know was possible on a debit card. They tried to blame the credit union to save face, but I wasn't buying it.

Even after I escalated the issue to a manager and the local branch, they still refused to reverse the fee. I even told them that I would close all my accounts and credit cards with them, but they didn't seem to care. It's really disappointing that they would value $450 more than my future business, especially since I was planning to open a Chase Marriott rewards card and spend $4-$5k per month on it. I guess I'll have to think twice before opening a Chase checking account in the future, because they really let me down this time.

Chase Bank is not the best bank to deal with. I opened a new Total Checking account and had nothing but problems from the start. First, there was a W-9 problem and I had to go back to the bank with another signed hard copy. Two weeks later, they sent me a letter requesting me to fill out another W-9. It was frustrating, but I thought it was just a minor issue.

However, things got worse when they closed my account after two months. They claimed that a check I electronically deposited was a fraudulent check because they could not verify the name and phone number. I went to the branch manager with the check and explained to him that this is from one of my tenants who has been with me for 12 years and owns over 40 franchise stores. This tenant has different corporate names for stores in North and South Carolina, and if you call the phone number on the check, they will verify that the company name that is on the check is part of their main company. But instead, they refused, saying they have their methods of check verification, and the phone number doesn't match the name. All they would say is it is a fraudulent check, and we are closing your account, but you won't get the existing money for at least 3 weeks.

All they had to do was call the number and ask them about the check, but they refused. For the last 12 years, I have deposited this franchisee's check in my PNC Bank account and my United Community Bank account with no questions or problems about the corporate name on the check. I only opened the Chase account because we moved, and Chase Bank was nearby. Most banks would just put a hold on the check until it fully clears. Well, surprise my tenant just informed me the check cleared, yet they are still canceling my account. I called Chase, and they told me they would reverse the check and still close the account. What kind of sense does this make?

You would think they would welcome new business, but from my 45 years of experience dealing with banks, Chase Bank does not care about their customers and is by far the worst bank I have ever dealt with. I am disappointed with their service, and I would not recommend them to anyone.

Yo, listen up! I gotta tell you about my experience with Chase Bank. Let me tell you, they don't keep your money safe, so beware!

So, a few weeks back, I got scammed by some dude who wrote me a check for $23,000 to buy a car. He said $8,500 of that was for shipping the car and a few others from Florida to Philly. I deposited the check on 8/9/21, and Chase put a hold on it for nine days to make sure it was legit. I was cool with that, you know, better safe than sorry.

Nine days later, the check cleared, and the money was in my account. I sent $8,400 to the "shipper" and scheduled the pickup date. But then, on the day of pickup, I got an email from the scammer saying his dad died and he needed his money back. I said no way, dude.

But then, almost a week later, on 8/27/21, I logged into my Chase account and saw that all the money in my checking account was gone! I thought the scammer had hacked my account, but it was even worse. Chase had let TD Bank, the bank that issued the check, come in and take all my money!

This was almost three weeks after I deposited the check, and nine days after it had cleared! What kind of bank does that? They let another bank just come in and take all the money from their own customer's account?

Chase doesn't care about their customers or their money. They'll give it away and let other banks come in and take it too. My money wasn't safe with Chase, and now I'm left with a zero balance at a time when I don't even have a job because of COVID. My after-school art program business got destroyed, man.

So, I'm telling you, don't trust Chase Bank. They're not looking out for you. Spread the word and warn others about this. Don't let them get scammed like I did.

I repeat, DO NOT TRUST CHASE BANK.

I recently had a really tough time dealing with Chase. I lost my spouse and even though I had a Will and Trust, Chase made it really difficult for me to work with them. I had to spend five hours just to get an address to send a deposit to because I don't have a local bank or ATM. But that was just the beginning of my troubles with Chase. The real challenge was getting a death certificate copy of the Will and Trust to stay found at Chase. I sent several copies but it took over two months of calling to finally get someone to give me an address to email a copy to. Their probate division is a complete mess. You have to leave a call back message and when they call back, it comes in as a spam call. It's really frustrating because if you miss the call, you have to start over with calling to get on hold to finally get to leave the message. In the meantime, they cancelled the automatic payments on my cars and refused to talk to me as the spouse widow or personal representative until they found several copies. It was a nightmare.

After over two months of trying, I finally got them to hold onto the information I needed. I plan to pay off the cars, cancel my credit card, and close the account. But before I can do that, I have to send a check to Chase. I'm worried it's going to get lost or not deposited into the account. I have no faith in this company. They even told me that they were holding onto a partial payment until there was enough money to make the full payment, even though they had sent a letter saying they had sent a partial payment to the DFAS. It's either a lie or the employee lied to me.

To make matters worse, it's almost impossible to call a branch bank. They either don't answer the number listed on the internet or the call is sent back into the black hole of customer service who can't really help you but will transfer your call so you can be on hold. It's really frustrating and I challenge the board members of this company to try this after the death of their spouse and without any additional help or identification as a board member.

Chase, let me tell you, they ain't no joke. I had a real bad experience with them. I was a victim of identity theft and fraud, and they didn't do nothing to help me out. They let the crooks clean out my account to the tune of $1170.30, and then they charged me for it, causing an overdraft. And when my social security disability benefits check was direct deposited into my account, they took the money out and wouldn't release it to pay for the money the thieves took to the finance company. I went to my branch and spoke to the manager, but she said there was nothing she could do. And then, to top it all off, they held onto my money for the full amount of time that the law allows, 45 days, even after my car was repossessed because they hadn't released the money. And when I asked why, they said "because they can" and "sorry" was all I got. I filed a complaint with the Consumer Financial Protection Bureau, and they said they will investigate and get back to me, but it's been almost a week and I haven't heard from them yet. All through this ordeal, I got responses ranging from "because we can" to "I don't care". So, be careful with Chase, because they don't care about you.

I started my personal Chase account back in 2002 with a lovely young banker who was the perfect customer relation at my local branch. She treated me and my new account holders with such care and attention that I decided to switch my business account, savings account, and entered into many new products over the years with Chase. However, everything changed suddenly in 2020, and I'm not talking about Covid-19, I'm talking about banking!

My husband opened accounts and became a "private client," but there were no advantages of any kind, except calls from a "banker" who tried to sell us new stocks or investments. In March, Chase suddenly didn't pay my set-up bill pays, even though I had more than enough money in all my accounts. I made two bank appointments to find out what could be the problem, but to my surprise, my accounts were canceled! I couldn't believe it when the online customer service told me.

I sent a certified letter to the CEO at Headquarters, but I never heard back. I spoke and emailed the Executive offices at Chase, but they told me they had to do some deeper research. I never received a full name or employee number, and the Executive Department was not allowed to answer via email, only via phone call. I believe there is some ill feeling going on!

Thankfully, I opened a new account with my old bank on March 01, 2022, and had enough money to do so since Chase held my money "hostage" and would not authorize wire transfer into my new accounts. All my accounts, including checking, business, credit cards (I have a 795 credit score), and savings, were closed without any explanations! I had to go to the bank, and the only way to receive my money from all my accounts was as a check payment!

If anyone could explain to me, is this what they are calling "Private Client" or "customer service"? So, please, if you want to save yourself a lot of headache, don't ever open an account with Chase! Unless you like to be left in the unknown about your bank accounts and your banking relations! Chase needs to educate their employees, and as customers, we should have access to a "rescues" line available after 20 years of banking with Chase!

Chase Online Banking and Chase credit cards have been my go-to for many years. I have always been happy with their services, except for one error they made on my credit rating about a year ago. They made a negative posting in error when my rating was 819, and it went down to around 799 because of the mistake. Fortunately, I caught it and called them up to explain the situation, and they corrected it.

However, my recent experience with Chase has been quite disappointing. About a month ago, I fell victim to a fraud case between Amazon.com and one of their sellers, who committed fraud on me for the amount of $708.00. I reported the incident to the sheriff's office, and a case was filed against the entities involved. Amazon promised to recover the money in 7 to 10 days, but they never did. Chase was supposed to recover the full amount and reimburse me as well, but they only collected $249.61, and the rest is still in limbo. When I contacted Chase, they said they did what they could and left me hanging, saying that was all they could do.

I was frustrated with the runaround I was getting from both firms, and every time I talked to a different person, I got a different story. Chase was supposed to get a full refund in 7 to 10 days, but it never happened. This experience has been going on for almost two months, and it's still not resolved. When there is a real problem, Chase doesn't seem to have the system or the people to handle it properly, and it was as disappointing as Amazon.

After this experience, I have decided to get rid of my four different Chase cards, including my Blue Sapphire card, which is a great card, and my Chase online banking account. I'm going to Zion Bank, which has a great online banking system that I noticed is quicker and easier to use than Chase. Chase has turned out to be a great disappointment, especially when things get rough, and they don't seem to know what they are doing, except adding to the confusion and misinformation.

So, I had a pretty wild experience with Chase Bank recently. I won a thousand bucks on a ten dollar lottery ticket and was over the moon about it. I went to the lottery office to claim my check and everything was going smoothly, even though I had to wait in line for four hours. But then, when I went to deposit the check at my local Chase branch, I got a receipt saying that the check might be put on hold until March 16th. I was not happy about this at all.

I called customer service on Tuesday and waited for thirty minutes to speak with a representative. They transferred me to the department that handles holds on checks, but I spent four hours on the phone and never got an answer. So, on Wednesday, I decided to call the CEO of Chase Bank in New York. Of course, he wasn't available, but I was transferred to their executive office. I told them about how I felt they were wrong to put a hold on my lottery check and the horrible customer service I had experienced. About an hour later, a young lady called me and said they had opened a file regarding the hold on my lottery check. She said she was there to get the hold lifted.

On March 9th, I took it upon myself to call the lottery office with my check number to find out that the check had already cleared. I was so excited, so I called the so-called advocate, Krishina, with the great news. But she explained that this had nothing to do with the funds being available and everything to do with their policy of putting holds on checks. She was only there to try and get Chase to release funds early, which goes against their policy. So, in short, I still haven't received my money and most likely won't until March 16th.

I've been a loyal customer of Chase for around twenty years, but it seems like that doesn't matter to them. Their policy is all that matters, and asking them to bend a little requires a full investigation on their part. It's mind-blowing that a bank this size only cares about their policies. I'm definitely leaving Chase after this experience. Thanks for letting me share my story.

I called up Chase bank before I went to Thailand and told them that I would be traveling to Thailand and that I would need to use my debit card there. I also informed them that I would be making purchases and ATM withdrawals in Thailand, so they should allow these transactions. I even told them that if they needed to verify me or my charges in Thailand, they could do so through my email or by asking me my security questions that I had set up when I opened my online account. However, I also informed them that I would not have my American cell phone or access to that phone number with me in Thailand, so that wouldn't be an option if they needed to verify me.

For the first two months of my stay in Thailand, I had no issues with my Chase debit card. I made around 100 purchases and ATM withdrawals without any problems. However, my laptop broke, and I needed to buy a new one. I went to an Apple store to buy a new Mac Book Air for around $1,100 USD, but my card was declined. Before I had a chance to call Chase customer service from my Skype phone, I went to get cash out of an ATM machine, but my ATM cash withdrawals were also declined. I was out of money and had no way to pay for anything online, including my hotel room bill or my plane ticket home. I spent the next three days on my Skype phone calling Chase fraud department to have them unlock my account. I asked to speak to the supervisor and higher and higher up the Chase fraud department I went from supervisor to supervisor until I reached the highest person in charge of the security department. They never would unlock my account. They said the ONLY way they would be able to verify me and unlock my account was by my American cell phone number. I begged them to do it by my email and or my personal security questions, but they wouldn't. I had no other credit cards or debit cards. They made me homeless in Thailand with no money for food or any way to pay for a hotel or plane ticket home.

I have been to Thailand probably 20 times in my life, and when this happened before, I would just call them up and fix the problem in one call, and they would unlock my account via my email and my personal security questions. However, this time, they refused to do so, and it caused me a lot of trouble. I hope that Chase bank will improve their customer service and make it easier for their customers to access their accounts when they are traveling abroad.

So, I moved all my banking and mortgage to Chase in 2019. It was a good move, but things went south in 2020 when the rates dropped. I reached out to Chase for a refinance, and at first, the refi agent was responsive and pleasant. But then, she stopped communicating, and it was during the crucial period of trying to lock in the rates before they changed. I escalated the issue, and I learned that she went on vacation, even though she said she was going to call me back that day.

Luckily, her manager got me another agent who was very responsive and got things on track. However, this required me to provide a quote from another lender as Chase's rate and fees were much higher. Chase, for the most part, matched the other lender's offer, and the rate was locked in. But, as we neared the finish line, their third-party assessor dropped a bombshell that my house was not worth what Chase's initial assessment indicated.

The assessment came in at over $20k less, even though there is absolutely nothing wrong with my home. In fact, I live in a great neighborhood, and all the mechanicals, windows, roof, exterior, and interior have been updated in the last 3-5 years. Even though my tax assessment jumped 15k since 2019, the third party's assessment included a comparable home (that was smaller with fewer amenities) which just got on the market days earlier for over $30k more than what the third-party assessor said my home was worth.

Even though the assessor admitted that they don't include basement bedrooms even if they meet bedroom codes in GA (meaning one less bedroom in value), Chase refused to acknowledge how blatantly conservative their third-party assessor was being. And, to top it all off, the assessment caused the rate and PMI to go higher, meaning a refi would not save me hundreds. Instead, it would save me a whopping $60/mo.

Since the cost of refi would jack my loan amount, I had to back away. And, of course, Chase is going to keep that $500 lock-in rate. I guess $500 is a small price to pay for learning how Chase treats their customers. I'm now working to migrate all of my accounts to another lender as soon as possible.