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3.2 25 Reviews

CharterBank Complaints Summary

14 Resolved
11 Unresolved
Our verdict: While CharterBank has an above-average resolution rate, there’s room for improvement. Investigate common issues reported by customers and understand how they were resolved. Be prepared to follow up on your queries if needed, and keep detailed records of all interactions.
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CharterBank reviews & complaints 25

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10:36 am EDT
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CharterBank Mobile banking

I am holding a current account with standard Chartered Bank ( LHR-Z Block DHA Phase [protected] Pakistani Rupee )

Current Account - LCY

[protected]

PK47SCBL [protected]

For the past one and half year I have been residing in Canada and operating my account in Pakistan Lahore with the help of mobile app and everything went quite well but suddenly I was unable to make transfers.

i request you to please resolve the matter as early as possible because I am facing loss as I could not fulfil my commitments. Thanks

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5:45 am EDT

CharterBank my overdraft protection

It's amazing how i am being told that although I am opted into overdraft protection that a system can pick and choose what to pay, what not to pay but still charge me an overdraft fee for that item which is less than the fee itself. I know I have been overdrafting excessively I've come to the bank for help in the form of a loan and was denied even with a cosigner with excellent credit and a monthly payment less than my accumulated monthly overdraft fees i recieve direct deposit so you have always been paid before I get up. I've been a customer since 1998, I've been getting direct deposit since 2001 I'm really not understanding how does an automated system suddenly deem a person a charge off risk .

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9:04 am EDT

CharterBank claims department

I made a deposit at the money machine. The machine malfunctioned and gave me a notice that the the machine malfunctioned and would not return funds. I contacted the Bank on Monday, I was referred to the claims department. A case was opened for the lost deposit in the machine. I called a week later, I was told by the representative that my claim had not been reviewed yet because there are claims in front of mine. She said give us 5 more days to have your claim reviewed. I asked if they were going to give me a temporary credit to my account for my money and she said no, not until the claim was reviewed . How can they just keep your money for two weeks and just tell you when we get around to it! this should be against the law..

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Is CharterBank legit?

Our verdict: CharterBank has achieved a rare feat of perfection in legitimacy, as per the rigorous analysis conducted by Complaints Board. This achievement underscores CharterBank's position as a benchmark of trust and quality within its industry. Users and clients of CharterBank can engage with its offerings, confident in the knowledge that they are dealing with a top-tier, fully legitimized company.

CharterBank earns 100% level of Trustworthiness

Perfect Trust Endorsement: CharterBank achives 100% ligitmacy per Complaints Board. Highly recommended, yet always stay vigilant.

We found clear and detailed contact information for CharterBank. The company provides a physical address, phone number, and email, as well as 4 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.

Charterbk.com has been deemed safe to visit, as it is protected by a cloud-based cybersecurity solution that uses the Domain Name System (DNS) to help protect networks from online threats.

Charterbk.com you are considering visiting, which is associated with CharterBank, is very old. Longevity often suggests that a website has consistently provided valuable content, products, or services over the years and has maintained a stable user base and a sustained online presence. This could be an indication of a very positive reputation.

Charterbk.com regularly updates its policies to reflect changes in laws, regulations. These policies are easy to find and understand, and they are written in plain language that is accessible to all customers. This helps customers understand what they are agreeing to and what to expect from CharterBank.

However ComplaintsBoard has detected that:

  • There was some difficulty in evaluating or examining the information or data present on the charterbk.com. This could be due to technical issues, limited access, or website may be temporarily down for maintenance or experiencing technical difficulties.
  • Charterbk.com has relatively low traffic compared to other websites, it could be due to a niche focus, but could also indicate a potential lack of traffic and popularity. The charterbk.com may offer a niche product or service that is only of interest to a smaller audience.
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12:55 am EDT
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CharterBank manipulation of employess

As a former employee with Charter One Bank, I can say they are very rigid about the policies governing their employees. Look out if you violate any of them. They talk about their "Credo" and how it is so important to them as a company. work life balance and all the other stuff about integrity and taking care of their employees. I have not been in their employ for over five years, however my daughter and daughter in law are still there. Recently my daughter tried to seek employment elsewhere because she felt she was treated unfairly at Charter Onederful, she was offered a position at another bank but needed a few more dollars to cover the health care and other costs. The other bank sent her to talk to another manager before they could offer her more money, the minute he found out who her Regional manager was the bank dropped the offer and she never heard from them again, this same thing happened with my daughter in law. It gets even better, my daughter in law had the opportunity to move to a different region, the job was hers (she was told), however again this same regional who ### blocked her before stepped in and that job fell through. So here is where I feel it is a complete violation of their own policy. If a family member wants to transfer to a branch where another family member is employed the answer has to be "NO". Well apparently this Regional decided that they could make an exception to the policy by offering my daughter in law the management position at the Branch my daughter works at. My daughter would then be transferred to a branch that she would be happy with. This did not happen, my daughter is a 40 hour employee and she was offered to move to a branch has a 30 hour opening with the promise of 40 hours in a neighborhood she doesn't want to be in. Essentially she is being forced from her long time position at a branch that she was key in establishing to satisfy the whim and manipulation of a power crazed Regional.

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cherukur
, US
Mar 25, 2009 11:30 am EDT

This bank is really killing me. Can anybody tell me who is the regulator for this bank. How can I officially lodge a complaint against this bank? Please post it here.

Where is congress in all this. Why aren't they looking at the way this goons get away with all these fees?

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John Goodman
,
Dec 28, 2007 12:00 am EST

I have a personal loan at Charter One Bank. After having my accountant review my account, it turns out that Charter One has been taking TWO MONTHS of the loan payments out of my account every ONE MONTH. My attorney will be handling this. DO NOT bank with Charter One. This is a small bank who takes what they need to survive regardless if it's honest or legal. I'll update you after we've gotten them exposed.

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D. BARRETT
Westchester, US
Mar 25, 2010 11:37 am EDT

DON'T MAKE THE MISTAKE OF BANKING AT CHARTER ONE
BEWARE - THEIR FEES ARE INSANE! THEY WILL MANIPULATE
THE RULES AND THEIR SYSTEM TO TAKE MONEY FROM YOUR ACCOUNT - WORSE THAN THE CREDIT CARD COMPANIES!

CUSTOMER SERVICE EVEN WORSE - PIRATES- SCAM!

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Nicole Loiseau
Brownstown Township, US
Jul 02, 2014 12:03 pm EDT
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Charter one bank allowed someone to open up an online banking profile in my name who was not me. I have been trying for 15 months to resolve this problem and had to file a police report to get this bank to do anything to help me with this situation. It was my employer who did this to me and now I have no job, benefits, and they are fighting my unemployment unfairly.

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desil
, US
Aug 30, 2011 4:35 am EDT
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Same thing happened to me I closed, , the account right away, , But they dont feel sorry or lose the valuable customers, , Top management never wants to train them how to behavior, how to respect to the customer probably they train them how to robe the money from valuable and loyal customers, , Charter one is SUCK

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JBrown8800
, US
Oct 25, 2010 6:49 pm EDT
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I thought First Merit wats bad, until I went through Charter One. These scammers covered a $13 overdraft from ebay for sellers fees, now not only have they charged me the $35 overdraft fee but they are charging me $6.99 per day that the account is overdrawn. This country is going to hell in a handbasket with all of these corrupt politicians and the idiots that get elected to office. What ever happened to this being the land of the free and the home of the brave, seems to me that is is the LAND OF THE FEE AND THE HOME OF THE SLAVE. How is anyone supposed to make it in todays economy when the financial institutions screw you out of your hard earned money to fund their trips, and those ridiculous bonuses they get for screwing John Q. Public. I will never use Charter One again, after this run in my ### is going to hurt for a long time. How am I supposed to get my account back to normal when i'm getting charged hundreds of dollars per month for a $13 dollar overdraft. Something needs to be done about the blatant disrespect to the common working man.

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unlucky banker
Chelsea, US
Mar 30, 2010 7:20 am EDT

I absolutely agree with this. I just had to pay a $25.00 per page for a fax to another bank. I thought my loan was suppose tobe a fix rate however they added $50.00 in there for a 2 page Fax. DON'T BANK WITH CHARTER ONE!

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Samantha1277
Evanston, US
Feb 04, 2010 9:58 am EST

I agree. I've lost $429 in the last three days in overdraft fees for charges that didn't even post until after credits INTO the account cleared and yet they've charged me anyway. I wish there was something I could do about these thieving ###! I'm so furious, I'm about the write to all my local news channels and even Oprah to try and get these people outed for the way they steal from their customers!

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dstrange
, US
Oct 15, 2009 5:12 pm EDT

Today I needed copies of bank statements online. This being the deadline for taxes, I needed access to Jan - March of 2008. I was told the online banking only has 18 months statements and they did not have access beyond that. So where do they go when they are not displayed. Seems like a lie to me. I was told to go to my local branch and have them print them off as they do have a record. My local branch wanted $60 to print of 6 statements. Why doesn't the government step in and punish these banks for taking advantage of its customers instead of rewarding them with Billions.

I have 7 accounts with charter one. Now looking to move them to a new bank.

Charter One decision makers, if you are reading this, take your statements, your accounts and your greedy business practices and shove them up your $%#!

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lbowa2
Homewood, US
Aug 01, 2009 6:53 pm EDT

Charter One is the biggest rip off bank around! Does anyone know how to federally report their underhanded ways? The charge overdraft fees on charges that haven't even posted! They claim that they put the charges on "hold" and then have to charge the fee. They claim that their "on-line banking" is not an accurate available balnce but merely a ledger balance and the dates on the ledger balance aren't accurate. I had a balance of $12.29 on the 29th. On the 30th a charge for $6.00 went thru. They charged me $39.00 overdrafter because they had a charge (which wasn't authorized) for $31.86 "on hold" since the 28th. Yet when I check the account on line there was a balance of $6.29 ($6 charge removed) and 2 deposits of $386 made on the 30th. The charge for $31.86 posted on the 31st! So they charged me overdraft for something that hadn't posted until AFTER they got their $39!
I only use this account to pay rent and a piddly couple accounts and they can't stand that they can't cheat me any more like they used to so they do whatever they can to cheat me! No wondeer I call them CHEATER ONE! I can't wait until the first of the year when they have one less customer - ME!

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1:58 am EDT
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CharterBank taking rtewards points away

Hello
Charter One Bank has taken roughly 122, 000 points that I had accumulated over the last few years with an estimated cash value of $976 if I opted to get the debit gift cards. CharterOne Bank had decided that it was not in their best interest to continue to offer the Mega Rewards program and in Oct 2011 sent letters to customers stating that they had till the end of january to utilize the points or lose them. Unfortunately I was in Afghanistan till Dec 2011 and had never recived the mail. When I discovered the situation the company refused to cash out my points and offered my 25$, very insulting, I feel that CharterOne bank has stabbed me in the back after being a customer for 17 years as these points have actual cash value and charter one bank has simply taken an accounting liability and turned it into an asset for the banks coffers with out any effort to assist the customers that could not respond to their correspondance.
Does any one knows if CharterOne Bank has an iron clad position and if this would have grounds for a class action lawsuit. I would appreciate in knowing this. If any one else has been effected, interested in the know please contact me at [protected]@sbcglobal.net

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sandystone
North Canton, US
Sep 11, 2012 6:45 am EDT

I, as well, was a victim of this. After opening 5 business accounts, and a personal account, the program closed. They said I was "notified", but of course like most people do most of my banking online, and don't even open the statements! After much arguing with them they let me cash in some points, however when they sent my replacement cards, the everyday points logo was not on there. Yes, I think they should be sued. They also charge $39 NSF fees for debit card transactions that are only $2.00! They are a rip-off, however, they must have they're bases covered legally. Most banks are the same. They way they make millions is in all the NSF fees.

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1:58 pm EST
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CharterBank mortgage loan

After roughly ten years of perfect payment history with my mortgage, and after
The worst banking experience in my life over the processing of an insurance claim
On the building... Farmer's ins. Was great, the contractor very patient and excellent
Work but charter one bank had no common sense... And, they continue to be
Very, very rigid, unthoughtful and unappreciateive to a very good customer with a perfect
Payment history.in fact, they outright refused my request to change loan officers
Because of poor relations, poor common sense and they continue to keep my mortgage
In pittsburg in the global restructuring division (yes!?) when it makes so much more
Sense to have the mortgage in chicago, the place of the mortgage.. Go figure...
Reasoning? They say they don't have to give any... Of course, go see their parent
Company : royal bank of scotland - losing taxpayers money like a water drain... And
Lost more in 2011 (2x) than in 2010... Why shouold they make sense?

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12:54 am EST
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CharterBank bad banking

the bank sead i jerry hewitt abused my acount let me know how i did that send me a copy of my acount . to 2210 w miller st indpolis ind 46221 so i can see what you are saying i have done thanhs jerry hewitt?

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10:49 am EDT
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CharterBank bank fees

This is the worst bank for fees. They have a holding area that they just hold stuff and wait days and sometimes weeks to see if they can collect an overdraft fees. They have gotten so bad that they have a sign on the counter now that if you deposit after 2pm, it will be credited to your account the next day. But if you do a withdrawal or debit transaction it can be taken out of your account immediately or up to a week later.

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Robbed By Bankers
Wilmington, US
Apr 07, 2009 8:52 pm EDT

I have several accounts at a CharterOne Bank, personal and business and I have been going there for many years. They recently started charging me tons of fees and they will not reverse them. I own a retail business and accept credit card payments. Those payments go through a processing company and are supposed to be deposited to my account within two business days. That processing company, Heartland/Bank of America, has now delayed those deposits up to 7 days. Those delayed deposits have put my account in the negative when my bill payments are posted. I was never informed of this change and I am supposed to take the over $1, 000 losses in fees and accept the changes made.
CharterOne also transferred funds from my savings account and drained that to cover the checks that were posted earlier than what the deposits were supposed to be posted and they charged me the fees anyway. Is anything ever going to be done to end the bank corruption?
So the bankers get billions in taxpayer bailout money and now they turn around and rob their customers on top of it? This needs to be stopped!

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eloquence08
Chicago, US
Sep 09, 2009 2:04 pm EDT

It's ironic that when I decided to get my checking account with Charter One, it was because they were convenient. Over time, all the things I liked about them, have ALL gone down the drain. Best Free Checking must be a matter of opinion. Or maybe those who have the higher yield accounts are the ones that are treated well. Long story short, I had transactions pending that would place my account negative by 15.44. There was a $500 for an emergency root canal that was processed with some other transactions that would have left me in the negative which I intended to put $20 in to cover. Well when I checked my same balance later that day, I was at -$132 for the transactions they put through. Let me breakdown the math. There is a balance of $505.01, there are four pending transactions, 9.92/5.39/2.17/500. The three smaller transactions have all posted leaving a balance of $487.53. Which is my own fault and I should have to pay the $39 NSF fee towards the $500 charge that still needs to post. So now I am being charged $117 in overdraft fees for the other three charges. So which is it? Either the money is there to cover the other 3 charges, and I am being charged $39 on the $500 or the $500 is covered and I am being charged $117 on the other three. But no Charter One is going to charge $156 in overdraft fees. Essentially just hitting everything that posted after a certain date. Doesn't seem fair to me. Makes me understand why people don't want to put their money in banks.

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Mimriki
, US
Jan 27, 2011 1:09 am EST

The "holding" most of the time has little to do with the bank. When you use your debit card as a credit that charge is pending on your account. Not because the bank wants to play a trick on you but because that merchant has to send the final purchase confirmation to the bank. Those 1 to 5 day holds are determined by the merchants. I've seen companies like Speedway gas wait 2 weeks to finally send their purchase info to the bank. Legally a company has 1 year to ask the bank to collect on your credit charge. If you run your debit card as a debit where you have to put your pen number in typically those charges go through as soon as you do them.

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Bench
, US
Mar 17, 2010 3:58 pm EDT

We should all come together and file a complaint and even tell everybody we know to never to do business with Charter One bank anymore. They are rediculous! I think this is thier way of milking money from their customers. They always clear the big amounts first so that your account becomes negative and they will then kick in the small items like $2.15, $5.25, and these little amounts and charge $39 each. There were less than two weeks that they charge me $312.00 in fees. On top of that, when you try to put cash and check to cover your balance, it will take them up to 3 days to clear the check and put it in your account so that they can continue to charge you overdraft fees for the succeeding days...

I used to love this bank and been with them for 7 years but they dont really care about us. They just want to get our money... What happen to the good customer service, they dont exist anymore... So I should say... Lets stop banking with this bank!

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Samantha1277
Evanston, US
Feb 04, 2010 9:54 am EST

I agree. I've lost $429 to these people in the last three days. No one can even tell us specifically what purchases these fees supposedly apply to!

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11:49 am EDT

CharterBank unfair business practices

I had a checking account with Charter One Bank. I accidentally overdrew my account $16.85. Charter One proceeded to charge me $214.83 for NSF and late fees. I tried repeatedly to talk to two different branch managers, three phone reps, two supervisor phone reps, and one supervisors supervisor phone rep. I also tried to call Charter Ones collections department, and I talked to three phone reps, and one supervisor. None of these people were willing to rebate any of my fees or work with me at all. At one time, a $39 fee was rebated by them, only to be replaced with a $35 fee. It is egregious that I would be charged over $198 in fees for over drawing $16.85. The company has conducted themselves very poorly. "Donna" from collections [protected] was especially rude and confrontational and hung up on me twice. Charter One Bank has kicked me when I was down. I explained to Charter One several times that I was going through financial hardship and was willing to pay a fee, but they would not work with me at all. I would be more than willing to pay the $16.85 that I owe Charter One, plus one NSF fee of $39, but they refuse to even consider my offer. In closing, charter one has unethical business practices. They are unscrupulous in their fee charging and business practices. Charter One is a company not concerned in the least with its customers, only its bottom line. I was more than willing to work with Charter One, but they only threatened me with collections and negative consequences. I have never in my life dealt with such a callous, malevolent, unfriendly, unprofessional, greedy, and careless enitity in my life as Citizens bank also known as Charter One.

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Mimriki
, US
Jan 27, 2011 12:46 am EST

I used to work for Charter One and have worked for other banks I can tell you that there is no guarantee that any bank is going to reverse your fees. Every person that overdrafts claims financial hardship no matter what their situation is which makes it hard to pick and chose who is worthy of getting them reversed. The only thing I can suggest no matter what you do is to sit down with someone and find out how to avoid this in the future. Not all banks charge the same amount in fees or the same frequency. Start shopping for banks like you would shop for a car and find the terms that work best for you.

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11:02 am EDT
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CharterBank abusive overdraft fees

Normally I am not a formal complaint type of person, but this issue has burned me multiple times with my bank and they have never seen it as a “bank error.” So today, I will stand on my soapbox to spread the word. For the disparagement I have received due to my bank’s negligence cannot go without notice. This goes above and beyond my standard pontification to a real life entanglement with my bank and their utter lack of coherent business practices and policies. The issue has gone as far as to force me to be late on my mortgage payment due to no longer having sufficient funds and to live on a check-to-check basis for the past 5 months while I’m trying to recover from my financial hardship. The issue has to do with the way debits are processed at Charter One bank and how they assess non-sufficient funds based on arbitrary deductions from their accounts.

In this instance, I had multiple debits on hold with the bank. Knowing I had these on hold, I checked my balance on their free online banking. I also know that this is just a tool and does not always reflect accurate balances as I have been told by the bank and may even be posted on the bottom of the page. However, like a good person, I checked my account and I had more than enough funds to cover a purchase I was going to be making even with the things that were on hold.

After selecting my items from Kohl’s that I was going to purchase I went to be rung up, slid my card and was about to sign when I noticed that one item was what I thought to be incorrect. While waiting they canceled that transaction midstream without me signing for it this caused a $56.21 charge to my account. They then “refunded” the money to my account and rung me up with the corrected price on the item causing an additional $50.81 charge to my account. This second transaction then tipped me over my balance and this alone should have cause an NSF charge to my account.

The next day (3-25-10) upon reviewing my bi-weekly pay deposit and balance, I noticed there was substantially less funds than there should have been from the overall balance of my account. At near the same time I received an alert on a text message stating there had been an NSF charge to my account and because I could not see it yet online I called to see what exactly caused the NSF charge.

My bank informed me that it was three charges that posted for my account yesterday 3-24-10 that caused a $117.00 NSF charge to my account. However, these charges were already withdrawn from my account as they were already placed on hold in my account.

Now somehow money that had already been withdrawn from my “Available Balance, ” the balance that subtracts all pending and on-hold charges from my line item balance was now causing me NSF fees due to the now canceled $56.21 charge from the 24th. But my line item balance never went negative, only my “Available Balance.”

I was then told by the bank that they could not reverse these charges because they were not a bank error. I then asked for a supervisor because this is clearly a bank error.

Once on with the supervisor I went through the same discussion as I did with the customer service representative. She too told me she could not reverse the charges due to it not being a bank error. So at this point they could not help me despite one of the transactions having never been authorized by my signature. She also stated they could not put a claim in for these on hold charges because they were still on hold and their system would not allow it to happen. It was at this point that I asked to speak to her supervisor.

After playing phone tag with the next level of supervisor for 2 days I was finally able to speak to him. He however could not assist me in any way shape or form. All he could do was note the account, and tell me to call back and a customer service rep would open a claim for me with no issue. When I asked him why he could not he gave the excuse of “he could not verify my credentials because this was an outbound call and not secure.” I told him I would be willing to take his direct line and call back if that would help, but it was a losing argument. While I had him I also asked if it was going to be possible even if they were still on hold, he said yes, of course, they can open a claim on anything.

I was about to give up complete hope on this issue at this point, and I would have, had I of known what was going to happen next.

I could days later, maybe even a week; I called customer service back again to have them start a claim on these fees. I figured things would go smoothly based on my dealings with the previous gentleman and being armed with the notion that my account has been noted and that they can open a claim on any transaction even ones on hold. At this point, the person I was talking to refused to open a claim and refused to help me because again, it was not a bank error. I of course asked again for a supervisor because I had already been told this is what they would be able to help me with.

The next supervisor also refused to open a claim for me as well citing again that it was not a bank error. When I told him that I had already been through all of this and a supervisor even above him said that they will be able to without an issue he continued to refuse. He then told me that in order for them to put a claim in that I would have to go to the store, and have them draft a letter stating it the charge of $56.21 was by mistake. Then and only then would they be able to open a claim. This was the only name I wrote down, it was Chuck Simpson –[protected] fax – [protected] DID.

This is finally when I gave up and let the bank take my money. Despite knowing that it was the second time they had done this to me just this year. In all this year I’ve received a whopping $429 in NSF charges. Albeit, at least one of them possibly just, but certainly not the other $390 worth. And even the one, should be reviewed as that transaction never posted to my line item balance because Kohl’s happily refunded my $56.21.

Today again, I have renewed strength in my disdain for Charter One bank because I again look at my account and see it in the red. However, this time I know it is not due to me as me on hold transactions total $697.64, with the caveat of an additional $13 in gas spent this morning making the total $710.64 with a line item balance of $721.94 and an available balance of -$15.70. Something just does not add up.

So it’s my hopes that sending this to the Office of Thrift Supervision, my personal web site, and every other public outlet that I can find, that Charter One will receive what they have coming to them, a full customer revolt. These charges are not ok with me, these charges are not just, the bank and their reputation should pay for the financial hardship they have put me in for the last 5 and a half months. I just cannot wait to close my account with Charter One and switch to a bank that offers good customer service, and less fees.

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Update by TMeers
May 18, 2010 1:35 pm EDT

There is no assumption of you being an idiot, it's fine that you disagree with me. Nothing will ever change your mind on who was in the wrong on this. And again, I know that Kohls had it's hand in this issue. But the bank flat out refusing to open a claim on this, the banks way they process transactions and assess fees, and the twisted lies handed down to me as a customer were wrong no matter who was at fault.

You seem to be reading a different message than I am. Perhaps I should gather my thoughts and post another complaint on the last time this exact same thing happened. After all my gripe as stated in the very first paragraph is about how they process transactions and their abusive policies on fees. How can a transaction that is already on hold, then cause an overdraft fee? It's not possible. So perhaps I am calling you an idiot if you seem to think this is the correct way business should be conducted. To me it's flat out wrong that they are able to conduct business in this fashion.

Of course making another posting, or even commenting back to you is just beating a dead horse. There is no way I can word any sentance to you to have you even begin to understand. It's always the angry consumer thats made to look like the bad guy. I'll even go as far as it makes me looks like the idiot for even posting such a story and comments defending it.

Update by TMeers
May 17, 2010 3:12 pm EDT

@LadyScot, I get how that stuff works. I worked in a fairly large retailer for a number of years from pee-on floor person to corporate. I get how it all unfolds, at every level of the transaction.

What I don't get is how blindly you are following Charter One.

But again, you are the reason more people don't speak up. Big banks feed on people like you who take their side despite the overwhelming evidence and consensus that they were in the wrong about not helping. Like I said in the post, this isn't the first time their policy of posting charges has burned me. And if you look around you will hear the same story from many others that have the same complaint.

It's high time people stand up for what is right, and this grievous insanity is not right in any shape of the word.

Update by TMeers
May 17, 2010 2:28 pm EDT

@LadyScot, the issue is with the abusive and misguided policies of Charter One Bank. Yes kohls was at fault as well, thats why I stated at least one of the charges I was at fault for. But again, even that should be reviewed because it never was actually posted to my account. It only ever hit the on hold list. When I look back at my list of transactions I do not see that $56.21.

But then again, the anrgy consumer will always be at fault in the eyes of the un-informed and narrowminded. I was hesitant to even make such a post because of closed minded people like you that think like that. I'm not a "big business sucks" type person. Actaully I love money just as much as the next person. Of course, I'd love to keep my money, in my hands not give it out every time my bank decides to impose such stringent policies of "nothing is our fault, it's aways yours" which seems to be the case here.

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CharterBank outrageous unjustified fees

Charter one is constantly applying overdraft fees to our account when we haven't gone overdrawn. In the last two days we've encountered $312 worth of fees. I'm so outraged that they keep taking our money like this. Their online statements are never clear about what is available. We have put cash into this account and tried to make a purchase two days later and the money has been "held" until we make some purchases and for each purchase they charge $37. I'm not adverse to overdraft fees if I know exactly what they apply to and are clear. But these people are charging us through the nose at the end of every month when we are trying to do our best to stay afloat. They are not willing to budge on any of these unjustified fee's and if you look at our statment, there are two fee's for $156 each in the last two days and I don't even know what these apply to because we weren't overdrawn until they applied those fees. I'm so horrified. Can these people legally rip off innocent people like this? I've tried to copy our statement below to show that we weren't overdrawn until they took the fees. I'm not sure if it's clear because it's all squashed up in this format. But we didn't go overdrawn until they took our money. Surely with all the complaints against them, there could be a case made to get our money back. They are robbing their customers. We admit that we are struggling anyway in these economic times and these people are truly messing us up. Particularly when we have a baby on the way. I've emailed them with no response. My husband spoke to three different people on the phone yesterday and they said have no power to help him. We've been told that one of the managers will call him back, but we are not holding our breath. I've never encountered such a lack of professionalism. I suck it up and incur the fee's when they are justified, but this is not justified. Should we take it to a small claims court?

02/02/2010 Insufficient Funds Fee eNotice $156.00 $3.04

02/02/2010 Credit Memo $6.10 $159.04

Memo: GREEN$ENSE CASH

02/01/2010 POS Debit $14.68 $152.94

Memo: #03455 JEWEL CHICAGO IL 4326

02/01/2010 POS Debit $15.01 $167.62

Memo: EXXONMOBIL NAPERVIL IL 4318

02/01/2010 DBT Purchase $24.80 $182.63

Memo: PARKWAY DRUGS - GLGLENCO IL 4318

02/01/2010 DBT Purchase $95.00 $207.43

Memo: EVANSTON ATHLETIC [protected] IL 4318

02/01/2010 Insufficient Funds Fee eNotice $156.00 $302.43

02/01/2010 Deposit $150.00 $458.43

02/01/2010 Deposit $250.00 $308.43

01/29/2010 DBT Purchase $6.00 $58.43

Memo: UNIVERSITY OF CHICCHICAGO IL 4318

01/29/2010 DBT Purchase $11.86 $64.43

Memo: U CHIC HOS AUBONPACHICAGO IL 4326

01/29/2010 POS Debit $28.00 $76.29

Memo: Dominicks Store 11EVANSTON IL 4326

01/29/2010 POS Debit $54.64 $104.29

Memo: Dominicks Store 11EVANSTON IL 4326

01/28/2010 POS Debit $22.84 $158.93

Memo: CVS 03901 Evanson IL 4318

01/28/2010 POS Debit $37.06 $181.77

Memo: CVS 03901 Evanson IL 4318

01/28/2010 Check 1231 $40.80 $218.83

01/28/2010 DBT Purchase $47.00 $259.63

Memo: BLACK HAIR SKIN 60CHICAGO IL 4326

01/28/2010 Deposit $125.00 $306.63

01/27/2010 DBT Purchase $1.75 $181.63

Memo: CHICAGO PARKING MECHICAGO IL 4326

01/27/2010 DBT Purchase $11.00 $183.38

Memo: UNIVERSITY OF CHICCHICAGO IL 4326

01/26/2010 Check 1230 $30.00 $194.38

01/26/2010 DBT Purchase $36.34 $224.38

Memo: L2G*PETS BEST INS 1.877.PETSBESID 4318

01/25/2010 POS Debit $35.12 $260.72

Memo: AGI*RENTER INS EXC800-370-1990 FL 4318

01/25/2010 POS Debit $75.47 $295.84

Memo: WHOLE FOODS MA Evanston IL 4326

01/25/2010 ATM Cash $160.00 $371.31

Memo: 525 MAIN STREET EVANSTON IL 4326

01/22/2010 DBT Purchase $30.20 $531.31

Memo: SHELL OIL 21226220EVANSTON IL 4318

01/22/2010 Check 5022 $1, 360.00 $561.51

01/21/2010 DBT Purchase $31.76 $1, 921.51

Memo: TOMMY NEVINS PUB EEVANSTON IL 4318

01/20/2010 DBT Purchase $1.75 $1, 953.27

Memo: CHICAGO PARKING MECHICAGO IL 4326

01/20/2010 ATM Cash $60.00 $1, 955.02

Memo: 525 MAIN STREET EVANSTON IL 4318

01/19/2010 DBT Purchase $7.13 $2, 015.02

Memo: BROTHERS K COFFEEHEVANSTON IL 4318

01/19/2010 DBT Purchase $18.68 $2, 022.15

Memo: BUY BUY BABY #3017SCHAUMBURG IL 4326

01/19/2010 DBT Purchase $22.70 $2, 040.83

Memo: DAVIS ST CLEANERS EVANSTONE IL 4318

01/19/2010 DBT Purchase $24.17 $2, 063.53

Memo: FUDDRUCKERS #126 SCHAUMBURG IL 4318

01/19/2010 DBT Purchase $24.41 $2, 087.70

Memo: EGG 'EM ON CLARKE'EVANSTON IL 4318

01/19/2010 DBT Purchase $31.62 $2, 112.11

Memo: LUCKY PLATTER EVANSTON IL 4318

01/19/2010 POS Debit $46.56 $2, 143.73

Memo: #03428 JEWEL EVANSTON IL 4318

01/19/2010 POS Debit $125.89 $2, 190.29

Memo: Dominicks Store 1CHICAGO IL 4326

01/15/2010 Check 1210 $550.00 $2, 316.18

01/14/2010 DBT Purchase $2.75 $2, 866.18

Memo: BURGER KING #1664 EVANSTON IL 4318

01/14/2010 DBT Purchase $5.59 $2, 868.93

Memo: STARBUCKS USA 0000LAKE FOREST IL 4318

01/14/2010 DBT Purchase $62.63 $2, 874.52

Memo: EVANSTON 1ST LIQUOEVANSTON IL 4318

01/13/2010 DBT Purchase $1.75 $2, 937.15

Memo: CHICAGO PARKING MECHICAGO IL 4326

01/13/2010 DBT Purchase $2.15 $2, 938.90

Memo: STARBUCKS USA 0002EVANSTON IL 4318

01/13/2010 POS Debit $27.02 $2, 941.05

Memo: #03428 JEWEL EVANSTON IL 4318

01/13/2010 DBT Purchase $37.95 $2, 968.07

Memo: EVANSTON IL PARKIN888-2329326 IL 4318

01/13/2010 ATM Cash $50.00 $3, 006.02

Memo: 727 NORTH BANK LANLAKE FOREST IL 4318

01/13/2010 Foreign ATM or POS Fee $2.00 $3, 056.02

Memo: ATM FEE

01/12/2010 POS Debit $15.91 $3, 058.02

Memo: BARNESNOBLE Evanston IL 4326

01/12/2010 POS Debit $23.42 $3, 073.93

Memo: GAP USA Evanston IL 4326

01/12/2010 Preauthorized Debit $37.63 $3, 097.35

Memo: COMMONWEALTH ED ONLINE PMT

01/12/2010 Preauthorized Debit $60.00 $3, 134.98

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Update by Samantha1277
Feb 03, 2010 2:52 pm EST

I meant to say $39 per transaction, not $37. Which is even worse. Urgh, what a hideous fraudulent rip off merchant of a bank!

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TMeers
Kalamazoo, US
May 17, 2010 3:15 pm EDT
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And FYI, here you go for my story: Charter One Bank — abusive overdraft fees

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TMeers
Kalamazoo, US
May 17, 2010 10:14 am EDT
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I'm in the same boat. It's got to do with how they place transactions on hold and then apply them to your balance there after. I've got a 2 page letter going to the office of thrift supervision. I'm also moving my money to another bank. Good luck in getting to squared away, I'm in the hole $429, just this year with no justification or action from the bank.

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CharterBank - checking account nsf fees

There policy is to process items that come in to your account the higher amount first for that day. So here is my kick in the face!!! I had 2 items that came in one day that had already posted. my account balance was roughly $120.00 then I had a credit card payment come in and instead of returning the item due to insufficient funds because the debit wa...

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CharterBank ridiculous &disclosures& online banking-fees

I opened my account with Charter One about a year ago, and have nothing but problems since...

Most of the issues i've had have to do with their "online banking"...it shows something has cleared, then clears "again" the following day. I've been told by customer service to "not rely on the online banking ledger, it's often incorrect"... REALLY? Then WHY HAVE IT?

Today was the straw that broke the camels back for me though.

I used their online bill pay to have my car payment taken out. I've done this before, with no problem. I selected my date based on my deposit going in (which most of us do).

I checked my ledger this morning and seen that they took my payment out 2 days early. Because of this, 4 other debits cleared and overdrew my account. We're talking 4 overdraft fees at $39 a pop! Knowing that this must be an error, I called their customer service line.

The first time I called, I explained my situation. The lady seemed nice enough and even said she understood what happened, and that she looked at the digital check and saw the date was for 2 days later than it was taken out. I explained that if they had taken the payment out when I authorized it, the other 4 items would have cleared no problem. she said she realized this and could see it based on their stupid "ledger".

She puts me on hold for 4-5 minutes. I'm assuming she's doing the necessary things to reverse the fees that will no doubt be accrued (after 11am which is when they add on all their fees). She gets back on the phone with me and tells me, "ma'am, um, the company took the money from your account after recieving your digital check. They don't have to wait til your authorization date."

WHAT? Are you freaking kidding me?

So, I say, "Um, that doesn't make alot of sense...you select the date you want your bills paid. So, if they can just take the money whenever they want (which ironically has NEVER happened before) then WHY even select a date?"

At this point too, I'm realizing where this is going, and i'm starting to cry. I'm a single mom and in my head i'm adding -$114.00 plus 160.00 in fees and it's not even close to what i'm depositing. So, i'm about to be screwed for 2 weeks!

I say to the lady, "This can't be right! I chose the date and they took it out before that. that wasn't authorized.. Now i'm gonna get charged 4 fees when you clearly can see that I had the money to cover everything."

Her response:

"I can understand why you're upset, but unfortunatley there is NOTHING we can do. Is there anything else I can help you with today?"

Yes, she actually ASKED me that.

my answer:

"Why yes there is. You can explain to my kids how you just stole money from me and now they wont be eating very well for the next week or two."

Then I hung up...and started sobbing.

After I composed myself, and tried to understand HOW this was happening, I called back.. this time determined to get some help!

I spoke to a guy named John first. He explained this wasn't his dept. I told him get to an online banking supervisor or manager. I work in customer service (not for a bank) and I know that supers and mgrs will help more to keep customers and have more authority.

So, John puts me on hold for another 4 or 5 minutes after I explain what happened. He transfers me to Tamika, NOT a supervisor, who immediately told me she was just waiting for her supervisor to transfer me. She again told me she understood my situation and how it was indeed the wrong date and there should be some way they could help me. At that point I told her if they didn't reverse the o/d fees, I would simply close my account. If making $160 was more important to them than keeping a customer, then fine.

Tamika puts me on hold for ANOTHER 4-5 minutes. I'm thinking for sure now this will be resolved. How wrong I was!

She gets back on the phone and says, "Ma'am, i'm sorry but we have a disclosure that states that online bill pay can be taken on or BEFORE the date you select. Unfortunately, we are unable to reverse any of the fees, but thank you for banking with us."

Thank you for banking with us? Well hell yeah, making money like that off people like me, i'm sure they are VERY thankful!

So I told her I would be in later today to close my account and would be happy to take my banking elsewhere. I deposit about $4000 a month, so I hope that $160 was worth it.

Charter One is definitely NOT a customer oriented bank, but they are surely a fee and "disclosure" bank. Even when they have to steal your money to get it!

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ANK11
Bensenville, US
Mar 23, 2010 3:11 pm EDT
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This past month they took out over 997.24 out of my account. The catch is each transaction says "Pre-Authorized Debit" I haven't preauthorized anything. So I of course go to the bank because now I'm overdrawn by 580 and they say well we can't give you the company information it's unavailable. Ok, then how do they get money out of my account. This is not the first time this has happened last month a transaction for 149.95 came out of my account then within a week was credit back to my account and this month was the same thing 149.95 three days back to back and two for 169.95. The bank has "no idea" who is taking this money which strikes me as odd. So as of now my account is frozen and it will stay that way, credits are the only transaction allowed to be made. Did I mention that they will also be hitting me with about 400 in o/d fees? Big rip off. Instead of having my check direct deposited into this account I am receiving paper check and opening elsewhere. Sorry Charter One this is a huge Bank Scam

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Samantha1277
Evanston, US
Feb 04, 2010 10:10 am EST

I feel for you. This bank is outrageous and they steal from their customers. I've lost $429 in "fees" two days. I'm so mad! I hope you opened an account elsewhere. My husband and I are going to close our account as soon as we can.

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CharterBank fees and policies

I'll give credit where it's due - the tellers are always friendly to me.

Other than that - the management, policies, national customer service, and fees - this as the worst I've ever used. They charge $39 for each overdraft, and submit the largest charge first to maximize the number of charges. They offer an on-line balance, but it is not accurate. Everything is calculated off another balance that they have access to but you don't.

I was recently charged $117 in overdraft fees, though the website shows funds were available. When I called to ask about it, the representative in North Carolina had to put me on hold three times and still couldn't explain it. I asked for his manager, who identified himself as Kendon Barretta. Mr. Barretta told me that the site clearly states that the balance is not accurate (it doesn't) and berated me for spending money I didn't have!

When I asked for his supervisor, he said "I am the manager." Okay, I can play that game - "Let me talk to someone who has more authority than you do." I asked "That's me." I had to laugh out loud.

I'm joining a Credit Union.

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Samantha1277
Evanston, US
Feb 04, 2010 10:05 am EST

There is a special place in hell for Charter One bank! They are scamming rip off merchants.

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Cheletur
, US
Jan 21, 2010 12:28 am EST

They are crooks at Charter One Bank. Deposits disappear. They charge overdraft and insufficient funds fees when the money is in the account. They tell fees for services will certain services, such as overdraft protection will charge a year after the start date, then turn around and charge you 2 months later. They rob you, then have the audacity to get nasty with you for complaining.

I have been banking with them for 6 years. In the past year or so, ever since the banks took bailouts, they have been ripping me off. They are getting their bailout from me and other customers. I am closing my account. DO NOT BANK WITH CHARTER ONE.

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CharterBank customer service

I had my wallet lifted while visiting Chicago. I notified credit cards and bank within 1/2 hour of the theft. When I called Charter One, I explained my situation, canceled my debit card and put a stop payment on the checks in my wallet. I thought this was the end to a bad incident. At no time did the customer service representitive inform me of any steps I should take to protect my identity and bank account. 6 months later, a check for a small amount posted to my account to a merchant I frequented (the store customer card was in the stolen wallet) I did not notice that the check number was from the stolen checks. 2 months later, two checks posted to my account totaling $3600.00 written on the stolen checks. I immediately notified my branch. The first thing the teller told me was I should have closed the checking account after the theft and that stop payments on checks was only good for 6 months. This was valuable information that SHOULD have been told to me by the representitive who spoke to me after the theft. If I had been advised to close the account because of the risk of future fraud, I would have done so immediately. Charter One accepts no liability because I missed the first check that was cashed and didn't notify within 30 days. They condsider all 3 checks one fraud incident. I have disputed this claim to no avail. I believe Charter One bears responsibility for not properly advising me to close the checking account after the theft. Their customer service represetitives should immediately forward any calls regarding check/identity theft to a fraud specialist who can properly advise the customer. Anyone who has had checks lost or stolen please close your account to prevent future fraud.

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CharterBank fraudulent charges

Charter One charged INSF charges totalling well over 400 - when I had enough money in the account. When I asked for an audit of my account, they advised me that they dod not do this!

Please do not see this as just anotheer dissatisfied customer complaint. This bank operates fraudulently on a regular basis - and they will continue to do so as long as they are not reported!

I plan to take my complaint as far as it would go - starting with the Illinosi States Attorney's office.

Please join me. They operate in similar fashion to banks that have taken a nose dive. They deserve to go down as well.

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dr steve
Chicago, US
Nov 12, 2009 5:45 am EST

Agreed. I have been lied to on many occasions from the costumer service department. I have notice the many of the representatives don't even understand there own rule and appear to be scare of losing there jobs. I have complained to 3 different branches, who want to help me but they get the same run around.

I feel the same way, it appears something very wrong is going on.

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Shay30
Indianapolis, US
Mar 18, 2009 10:43 pm EDT

I used to work for Charter One and never had a problem going over transactions with a customer. You should have recieved an overdraft notice that shows you what your balance was, what was pending, and what hit your account and caused fees. That notice should detail what the issue is and if you need more clarification I would try calling customer service.

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CharterBank the worst bank ever

My husband has been a customer with Charter One for nearly 5 years, and 4 months ago I was added as a joint account holder.

I have been a customer of several banks, as well as worked at the corporate headquarters of a very large midwestern bank for some time. Through my experiences as both a bank customer, and a bank employee, I can honestly say that my short 4 months with Charter One has proven to me that it is the worst banking institution I've ever had the misfortune of dealing with. Every staff member I've ever spoken to, at several different branches and the telephone banking service, has displayed consistent and flagrant negligence, poor customer service, a complete ineptitude for simple tasks, and an unwillingness to resolve issues (most of which were generated by them in the first place).

In the past month alone, my husband and I have been the victims of these so-called "trained" bank personnel. Gabrielle at the Mack Ave., Saint Clair Shores branch 'helped' us more than once, and each time the process was ridiculously drawn out as she took several customer calls while we were at her desk, interrupting her focus from us. This resulted in a mistake that I now cannot fix. She entered my social security number wrong, despite me reminding her twice to correct it before I left the branch! Now, I cannot use the telephone banking service because I have no idea what number sequence she mistakenly put in, therefore cannot "accurately verify" my identity (hah!) and apparently I have to go to a branch in person to have this corrected. That would be a little difficult, as I now live in England, and at the time of her mistake, Gabrielle knew we were moving overseas just days after this visit.

On another occasion, at the same branch, a young man at the counter first told my husband he could not apply a credit card payment to our credit card without the card itself. Now, we both know this isn't true. After telling him this, he insisted that he had never applied a payment without the card before but that he would 'try to do it without the card'. After 20 minutes of standing at the counter dealing with his poor attitude, the payment was finally applied.

In a Grosse Pointe branch, we attempted to purchase British pounds in preparation for our move to England. The woman behind the counter appeared to know what she was doing, only to call us several hours later saying she had mistakenly charged us for Euros, not Pounds, and that we'd have to come back in to pay the remaining amount, as she had undercharged us by nearly $1, 000. Not only did she call us, complaining about her mistake, but her poor attitude in general throughout the course of the telephone conversation earned her a reprimand from the branch manager, whom we had to speak to several times to correct this mistake.

Most recently, I signed on to our online account to monitor our activity, and noticed over $300 in exchange fees. Outraged at these fees, I emailed Charter One requesting to be contacted. No one has contacted me yet regarding this matter. I also called the telephone banking system to resolve this, was then put on hold for several minutes, only to have the young man come back on the line to tell me these charges are from MasterCard, not the bank.

The call was dropped by my cell phone before he was able to help me further, so I immediately called back and spoke to a woman who informed me of the aforementioned social security number error. After bypassing her and speaking to her supervisor, my husband and I got the same run-around as the first time; the fees were from MasterCard, and Charter One would be taking absolutely no responsibility for them, even though the card used is a bank issued debit card.

My husband patiently and calmly explained to this woman that he's visited Europe on several occasions and each time these fees have not been an issue. She remained adamant that she could not resolve this issue for us, and advised us to contact MasterCard. I question why no one, at any branch, thought to mention this fee to us? We sat with Gabrielle for nearly an hour on two separate occasions and talked about our impending move to Europe. She said she would have to note on our cards that we were planning to use them in Europe, so as not to falsely alert the fraud protection feature on our account.

At no time in this discussion did she mention that using said card would result in a fee. We were assured by her that using our cards over here was completely safe; obviously she was mistaken. I hardly call $300 in ridiculous fees being 'safe'.

I sent Charter One a complaint outlining all these issues, and in response I got a very generic "We're sorry you feel that way" email. Not only that, but since lodging my complaint, our Online Banking Bill Pay feature mysteriously has been disabled. This is fantastic news, as we have no way of issuing checks from this account now! Now we have to spend yet another 20GBP on an international phone call to their customer service line which will probably result in nothing!

Charter One is untrustworthy, unreliable, unhelpful, and is a stunning example of appalling customer service. Henceforth, we plan to do whatever we can to undermine this bank and ensure no one else need have an experience like we have.

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D52049
, US
May 01, 2013 4:17 pm EDT
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I HAD CLOSED DOWN MY CHARTER ONE ACCOUNT DUE TO SHADY ACCOUNTING METHODS. AT THE TIME I LEFT A FEW DOLLARS IN THE ACCOUNT TO COVER ANY OUTSTANDING. DURING MY TIME WITH THE BANK I COMPLAINED ABOUT OVERDRAFT FEES ON MY ACCOUNT. THE ACCOUNT NEVER SHOWED ANY OVERDRAFT AND THE BANK MANAGER DID NOT SEE ANY EITHER. SHE CALLED THE MAIN AND THEY GAVE HER SOME GOBBLY [censored] ABOUT PROCEDURES.
I CLOSED THE ACCOUNT AND THEN WAS TOLD I HAD AN OVERDRAFT. I PUT MONEY IN TO COVER IT.. 3 MONTHS LATER I HAD ONE OF MY LENDERS ACCIDENTALLY ACH $4000.00 IN FUNDS TO MY OLD ACCOUNT . WHEN I FOUND OUT, I TRIED TO GET THE MONEY SENT BACK TO THE LENDER. FIRST THEY SAID THAT THEY WILL RECOVER $500 IN FEES FROM THE ACCOUNT, WHICH I PAID. ORIGINALY IT WAS $75.00, BUT WITH FEES IT JUMPED TO $500.00. THAT WAS IN MARCH 2013. THEY GOT THE ACH IN 4/15/13. THEY SAID THEY WOULD SEND THE DIFFERENCE TO ME, BUT IT IS NOW 5/1/13 AND I AM STILL WAITING FOR THESE IDIOTS TO RESOLVE THIS.
I TRULY CANNOT RECOMMEND CHARTER ONE. I AM GOING TO MAKE IT MY MISSION TO TELL ALL TO GET THEIR MONIES OUT AND FIND A DIFFERENT BANK. CHARTER ONE UPPER MANAGEMENT AND POLICY MAKER ARE CROOKED AND CONNIVING. BE AWARE!

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charter one is trash
Eastpointe, US
Dec 21, 2012 2:37 pm EST

Charter one bank is the worst bank ever! .They are extremely rude and are not helpful at all. They are very shady. They are not loyal nor trust worthy. They are very poor problem solvers. They do not care for there customers. They are extremely unprofessional. They can not seem to explain were fees are coming from. They say one thing and change to another. This bank should be shut down or put in to the hall of shame. I have visited different locations the tellers are terrible. Do not bank with charter one! I am leaving this bank.

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8729
, US
Apr 07, 2010 6:32 am EDT

As far as the exchange fee's go, you should probably read your fee's and features that banks give out at account opening. And, it would also be wise to take some responsibility for your actions, and maybe if your having that many problems its not the bank, but you.

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MMZ
, US
Apr 05, 2010 1:54 pm EDT

Same EXACT thing happened to me. Received a card and they charged a fee and then sent me checks which i did not request. Went to the branch several times and they said they had to 'track it down". NEVER got back to me. This was a secondary account so no big deal - i thought. On my credit report AND you can not open any checking accounts anywhere until it is resolved. VERY FRUSTRATING - WOULD NEVER RECOMMENT CHARTER BANK TO ANYONE! THIEVES!

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JCCEGI
, US
Mar 13, 2010 2:00 pm EST

I, too, have had an extensive business and personal banking relationship with Charter One Bank, and have found their customer service to be a...dis-service. The online billpay support group are apathetic, unhelpful and inept. Recently, I incurred nearly $500 in fees because a Payee was cancelled on their online billpay system. I had a $300 payment schedule for that Payee, and there was no system warning that the payment, too, would be cancelled. In the past, a payment for health insurance kept being sent to the wrong payee and address - the system, in some deranged, narcissistic logic, thought I was trying to pay a auto loan payment, and changed both the payee name and address, nearly resulting in my healthcare insurance being cancelled. I was told this problem was with their vendor (CheckFree).

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Samantha1277
Evanston, US
Feb 04, 2010 10:03 am EST

They are horrible. I would like to warn EVERYONE to never bank with these people. We've encountered $429 in unjustified fees in the space of three days and no one can tell us exactly what the fees apply to or how to get them reversed. I give up hope. We are leaving this bank asap!

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CharterBank scam charges

The policy of this bank is to set accounts up automatically as follows: If you attempt rouse your debit card for a purchase hat is greater than your account balance, the transaction is completed and $39.99 is deducted from your account as a service charge. They mail a notice of insufficient funds that you receive, presumably, long after you have made other transactions that each receive the same deduction. They do not call you until a week or two has passed. Then, all of those little transactions add up to hundreds of dollars in service charges.

This happened to me. Upon calling customer service I was told that one of these charges would be forgiven me 'as a courtesy.' I spoke to this agent's superior. This person forgave me another two ISF charges. I still owed close to $300 in service charges.

Had I been declined the first transaction I would have used a different card and deposited money in my account. Instead, I was left ignorant of all of the $40 charges I was accruing on $7 purchases.

Very few people want to be charged $40 for the service of being lent a negligible amount of money on their bank cards. There is a good deal of dishonesty in a policy of giving everyone this dubious service without making sure the customer is well aware of the nature of the service.

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ping11
Chicago, US
Mar 12, 2009 10:50 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Being irresponsible is not the bank's fault. The bank is not responsible for negligence on accounts. He/she should not assume that the bank keeps track of his/her account for him/her. This person, for example, neglected to keep track of what he/she spends vs what he/she actually have in the account. If a register book was kept, this would've been prevented. Why blame the bank for being irresponsible or for spending money he/she do not have in the first place? This person's comment stated that if declined the transaction, he/she would deposit the money in the account. So, if this person had the cash in his/her pocket in the first place, why would he/she use the card if he/she knows that there isn't enough funds to cover the transaction/s? And if this person was planning on using the card, then why wasn't the deposit made before the purchases? See? He/she should not blame the bank for his/her irresponsibility. If funds were in the account, then there should be no reason why fees will be assessed if card is used. Next time, try to keep track of your spending habits. Try using a register book, it actually helps.

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CharterBank ripoff

I had a Charter One bank account, after I asked them to increase my overdraft protection they said I was approved but did not increase it. My account went over drawn using up the current overdraft protection I had and then made my account negative $800.00 aprox. After weeks of talking to them on the phone they said they would refund the $800.00 back to my overdraft protection but remember my account was still negative $800.00. When they returned it to the over draft protection it then zeroed my account and put it back on my over draft protection and then charged me fees for over drawing my account again. Making my account negative again this time over $500.00, I talked to a branch manager and they said "lets open a new account to give you a fresh start until we figure out what is going wrong with your other account." so we opened up a new account and about a month later the day my check got deposit in to my account they withdrew over $520.00 to pay the other account off that I had refused to pay because it was all fees that they were after. At that same time I had my bills being paid as well from that account so not only did they take from the $600.00 that was deposit but my entire bike and rent payments were being pulled as well overdrawing my account once again to negative $370.00. I called them and asked what had happened they told me they had a right to take that money and will not refund it back to my other account. I told the woman on the phone that they should of notified me what they were going to do she responded, "If we told people that we were going to take money for right to restitution that they wouldn't deposit money into the account." to this day both of my overdraw protections are maxed out and one account still sits negative $370.00 and I refuse to pay them for their mistakes.

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Jennifer K
Dennison, US
Jun 13, 2009 12:43 am EDT

Charter One Bank took money out of my account to cover a loan payment (with charter one). Except they already received the payment i mailed in a few days prior to this. So they got double payment on this loan and to top if off they took the money out of our account when it wasnt even in there so i have a overdraft fee of 39.00. I didnt know about this second payment as nobody notified us they were taking it. So i was writing checks for this money i thought was in there. I called to find out why and they said they made a mistake and would put the extra payment they took out of the bank back into the account. Meanwhile I now have a total of 550 dollars in overdraft fee's where if they never took that double payment i wouldnt have overdrafted once! They refuse to give me any overdraft fee's back and i am furious! They made the comment that i shouldnt have mailed in my payment. This is what i have done for the 6 years i have been paying on it. I get a monthly bill, write out a check and mail it off to them. Nothing different! They basically stole this money from me. They made a mistake and for that i had to pay out the a$$$. This is day 7 and waiting, extra payment is still pending and has not been put back into my account!

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Pam B
, US
Apr 03, 2009 1:24 am EDT

I have a paycard from the company in witch I work for and here we go moneies are issued from charter one bank. I hadn't have any real problems until I found out one day while trying to use my card to withdraw monies my pin didn't work. I called the card company and stated to them the problem they assured me after telling me that there had been some fraudulant activity on other peoples accounts but getting a new pin would stop the matter and they sent me out a letter to confirm that they would give me Identiy thefth protection for a year to make sure noone uses my information. well on 4-1-09 I got paid at my job. that day I paid some bills leaving me at a 100.00 balance on the 2nd of april after getting off work I went to purchase some things and low and behold my money is gone how, when I didn't even use the card. I even called the card to see what my balance was it stated 18.00 but the crazy thing was the last five transactions only stated two zero dollar transactions and two .65 cents transactions, i spoke to a friend and they stated i need to call the card service to see what happened because there are ways a banker can go into your account and get your money. I called the card service again when speaking to the supervisor she stated to me that charter one was closing there doors due to a large amont of money over 100 thousand dollars being stolen from different accounts altogether now Im pissed because my employer didnt notify us of the situation he only stated that we weren't going to use the card service after a while now I'm freaking out because I don't know where my money is and I have children to take care of . If I work for my money then I expect it to be all accounted for and will this happen again? Im finding a bank before this happens again and why is it so hard for them to locate my money! VERY ANGRY MOTHER.

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CharterBank fraud and scam

After recently moving, I called Charter One Bank to change my address. The monthly statement specifically tells you to call the number on it to report address changes. I called and was taken to a menu where you hit 1 for this, 2 for that, etc. None of these options were for address changes or to talk to a customer service rep. I pressed "4" for more options as the prompter suggested. None of these options were appropriate either. I was at a dead end. Pressing "0" or "#" or "*" was useless. I finally had to choose a random number and keep going until they finally let me talk to a live person. She took my info and I thought the nightmare was over. For three months I waited but my address never got updated. I called the same number. I went through the same drill to get a live person. After he finished, I asked him for a number that would get me a live person next time. He provided one. I called it and got the exact same menu as the first number. When I finally got a live person, I asked her the same thing. She said all I had to do was hit "0" and I would get a live person. I tried it and had to hit "0" FOUR TIMES before getting another rep. I asked the rep why they don't have a direct number or why the menu doesn't give you a choice of a live person. She said "most people" don't want to talk to a person. They just want to check their bank information. I hope I never move again. Oh wait, maybe I should just switch banks.

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Ivan Right
, US
Feb 19, 2009 9:15 am EST

My Charter One again this January tried to charge me a late payment of $39.00 for making a late payment. Payment was due on 01/02/09 and I mailed the invoice with several other bills on 12/20/09. Last year after holding for 39 minutes with no response I hung and and decided to pay the late charge just because I wasn't about to try again to call and wait. I was not late with payment last year!

This year the credited my account the late fee of $39.00 after I told them ALL my other bills cleared on the 23rd of December.
They tried to tell me because of the holidays it arrived late and in no certain terms I told them they may have had a skeleton crew working during the holidays who missed posting my check.

Watch your statements and don't let them get away with bogus late charges when you paid on time.

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