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Washington Post story about angry comsumers
taking their complaints to the internet.

Strong words?
The AP originally reported in Newsweek and on ABC News that Chase Manhattan Bank and J.P. Morgan & Co. readily joined the Nazis in plundering millions of dollars in Jewish assets during World War II, according to a federal lawsuit.

Chase Manhattan "collaborated with the German authorities and displayed an excessive zeal in its enforcement of anti-Jewish laws," the suit alleges.

My Dear Bank Manager,

I am writing to thank you for bouncing the check with which I endeavored to pay my plumber last month. By my calculations, some three nano-seconds must have elapsed between his presenting the cheque and the arrival in my account of the funds needed to honor it. I refer, of course, to the automatic monthly deposit of my entire salary, an arrangement which, I admit, has only been in place for eight years. You are to be commended for seizing that brief window of opportunity and also for debiting my account by way of penalty for the niconvenience I caused your bank. My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways. You have set me on the path of fiscal righteousness. No more will our relationship be blighted by these unpleasant incidents, for I am restructuring my affairs in 1999, taking as my model the procedures, attitudes and conduct of your very own bank. I can think of no greater compliment and I know you will be excited and proud to hear it. To this end, please be advised about the following changes. First, I have noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you I am confronted by the impersonal, ever-changing, prerecorded, faceless entity which your bank has become.

From now on I, like you, choose only to deal with a flesh and blood person. My mortgage and loan repayments will, therefore and hereafter, no longer be automatic, but will arrive at your bank by personal check, addressed personally and confidentially to an employee of your branch, whom you must nominate. You will be aware that it is an offense under the Postal Act for any other person to open such an envelope. Please find attached an Application for Contact Status which I require your chosen employee to complete. I am sorry it runs to eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative. Please note that all copies of his/her medical history must be countersigned by a notary public and that the mandatory details of his/her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof. In due course, I will issue your employee with a PIN number which he/she must quote in all dealings with me. I regret that it cannot be shorter than 28 digits but, again, I have modeled it on the number of button presses required to access my account balance on your phonebank service. As they say, imitation is the sincerest form of flattery.

Let me level the playing field even further, by introducing you to my new telephone system, which you will notice is very much like yours. My Authorized Contact at your bank, the only person with whom I will have any dealings, may call me at any time and be answered by an automated voice. By pressing the buttons on the phone, he/she will be guided through an extensive set of menus:

• 1) to make an appointment to see me,
• 2) to query a missing repayment,
• 3) to make a general complaint or inquiry and so on.

The contact will then be put on hold, pending the attention of my automated answering service. While this may on occasion involve a lengthy wait, uplifting music will play for the duration. This month I have chosen to use the refrain from The Best of Woody Guthrie: "Oh the banks are made of marble With a guard at every door And the vaults are filled with silver That the miners sweated for!" After twenty minutes of that, our mutual contact will probably know it by heart.

On a more serious note, we come to the matter of cost. As your bank has often pointed out, the ongoing drive for greater efficiency comes at a cost-- a cost which you have always been quick to pass on to me.

Let me repay your kindness by passing some costs back to you. First, there is the matter of advertising material you send me. This I will read for a fee of $2 per page. Inquiries from your nominated contact will be billed at $5 per minute of my time spent in response. Any debits to my account, as, for example, in the matter of the penalty for the dishonored check, will be passed back to you. My new phone number service runs at 75 cents per minute (even Woody Guthrie doesn't come free), so keep your inquiries brief and to the point. Regrettably, but again following your example, I must also levy an establishment fee to cover the setting up of this new arrangement.

I wish you a happy, if ever-so-slightly less prosperous, New Year.

HAVE A GREAT DAY!

Working at Chase Sucks!

Below are some of the comments posted since the website's inception in June 1998.
Prepare to be shocked.

If you'd like to post a comment, go Here

Chase Bank Sucks HOME

I'm 50 years old and have worked at JPMorgan Chase for the last 5 years specifically at their Garden City auto finance division. I started my job as a mainframe programmer on a system called ACAPS (a data entry front end system where auto applications are entered). My reviews were good and I established my record of accomplishmnet with that system. I worked on the system for about 3 years and was then offered opportunities to work on intranet systems by various managers. I accepted the opportunity to expand my technical expertise. After about a year the budget was cut on the intranet project and I was offered an opportunity to return to ACAPS under a new manager, Steven Friedman. I accepted. Upon my return I found the system to be unstable and Steven Friedman requested I look into the problems. I found the problem's source was with management of the projects, namely problems with project designs, rusheded implementation of projects without testing and poor prioritization of project assignment resulting in programmers overlaying each others work and moved live without coordination resulting in problems. Steven Friedman became very defensive and the problems began. Six months after my last review (as part of the intranet group) I was reviewed by Steven Friedman. I went from a "1" (Highest) to a "4" (Lowest) in communication skills. He referred to me on my review as sarcastic and recommended I take communication courses and a psychological exam ("What's my Briggs Meyers Type"). He also indicated falsely my inability to complete tasks. I had a meeting with Steven Friedman and Michael LaForgia (Steven Friedman's manager). I explained the issues I found when I returned to a system that, when I left was stable. Michael LaForgia then indicated he believed his manager and threatened to have Steven Friedman write incident reports against me if I didn't admit I had a behavior problem to work on. When one of the managers from another group (Robert Frankel) spoke to Michael LaForgia, on my behalf, to move me into his group Michael LaForgia told him that he felt it inappropriate to allow the transfer and "reward a behavior problem". I set up a meeting with Michael Levine (Michael LaForgia's manager) and discussed the issues I brought up with Michael LaForgia and Steven Friedman. I indicated that other managers were willing to accept me as a transfer into their group. He said he would look into it. A few days later Michael LaForgia called me into his office and told me he was aware of my conversation with Michael Levine and that I wasn't going anywhere. From that point on I was subjected to various forms of harrassment and humiliation. One day I informed Steven Friedman a staff member from another group area was trying to test a new implementation or something and was looking for someone to help him. I innocently offered to help and informed Steven Friedman what I was going to do and that it was in our interest to monitor this because we interact with their system in the live production environment. As it turned out there was no problem but Steven then began threatening me with an incident report for not documenting a production problem and thus jeopardizing the integrity of the ACAPS system. I told him nothing happend and that there was nothing to report. steven Friedman then wrote a false report. I was brought into Michael LaForgia's office. Michal LaForgia told me that I was being given a written warnin and that I was not eligible for raise or promotion for 14 months. I then went to Human Resourses and they refused to review and verify my complaint that it was a false report. Finally I received my second review with Steven Friedman and Michale LaForgia. I was told that my "Chase values" needs improvement. When I asked for specifics Michael LaForgia told me he didn't have to give specifics. On my accomplshments Steven Friedman again falsely reported my accomplishments. Finally I realized I had to seek employment elsewhere. With a closed market I began to experience anxiety attacks and sought out doctor's care. I have recently found a new job at a lesser salary. I would like to ask if I have a defamation complaint based on the written statements on my last two reviews as well as the written warning? Lawyers have told me it is difficult to prosecute as well as expensive ($300/hr). Can they really just get away with this?

I laughed so much when I found this site, I am so damn happy that I am not the only person who wants to demolish Chase and the sh-- in it. I have to say some the people I work with are great, but the rest are A** licking, useless, unfair corporate whores. As the saying goes it alls "blood and no money". I have been off ill many times due to the "school-like" treatment and undue pressure that is pilled on all the time. I feel like I should have 4 pairs of hands, 3 brains and another 6 hours to my working day. Never have I worked in such a place, you would expect more from such a well known company. I'm awaiting another job currently, then I can get out of this sh-- infested hell hole. Yes, the place makes me squirm with hate.

Open letter to Mr Hal Pote:

Listed below are a few recommendations you should seriously consider, so that we can make the Retail Bank more profitable.

a) As of now you have too many middle managers in Retail and the organization itself is becoming so segmented that even employees are loosing faith. There are too many levels of middle management - business partners, coaches, Team Leaders, CIA wholesaler, HE wholesaler etc that the bank can definitely do without. These coaches/business partners/ Team Leaders bring nothing new or useful to the table. All you need is a very knowledgeable, smart and capable Branch Manager who is well equipped to supervise all the 3 segements of Retail. The Branch manager should be supported by a very smart and fully licensed capable District Sales Manager. Right now half the people you have in these positions don't deserve to be in those positions. Most of them are such incapable, ego centric folks that no other bank would tolerate. Unless you do something about the bank as a whole will loose out.

b) Make sure that you have the right person as Branch Manager. Some of these branch manager positions have been handed down based not on merit or credentials. MIMs who flaunt their right to do what they like by giving promotions and positions based on ethenic and personal preferences should be held accounatable.

Work hard at JP Morgan Chase and get nothing. I am currently an employee at JPMC (not by my own choice) via my company's merger, and man do i DETEST THIS MISERABLE COMPANY!!!!!

If you try to do good you get reprimanded, if you screw up you get reprimanded, so what can you do. I work in mail services for one of the larger locations and my managers are a bunch of disorganized unprofessonal and totally unethical bunch of morons.

They try to run the place like the military and they lay down a bunch of stupid rules and procedures which change more than i change my underwear. One day its one procedure, the next day its another procedure and if you follow yesterday's procedure the managers will tell you why did you do it that way (with no explanation). Some managers will even yell at you and berate you in front of other employees.

I don't understand their slogan "The Right Relationship Means Everything", there is no right relationship with JPMC at all, it is a miserable hell hole to work for.

I'm a recent former employee of Chase Bank of Texas. One thing you customers should know is that if you don't have more than $25,000.00 in your account, YOU DON'T MATTER!

On any occasion when I had to get management to approve something that I had to do to fix a customer's problem, the first thing they ask is "HOW MUCH MONEY DO THEY HAVE IN THEIR ACCOUNT?" This means that if you don't have a lot of money, your problem will either go unresolved or take painstakingly long to fix.

There's more to come...this is just the tip of the iceberg.

I currently work as an underpaid supervisor in the mortgage collections dept. One problem is upper management is clueless. We have as many VP's on site as we have supervisors. They have to justify their positions and have us supervisors jumping through hoops all day rather than training and developing our employees to better handle customer problems and complaints.

Another problem is that they are too cheap to hire good collectors. They'd rather hire people that worked at the GAP or were asking "Do you want fries with that?" about two weeks ago. We then have to train and develop these useless employees when they bother to show up and we're not busy jumping through hoops.

You wonder why it takes 3 months or more to resolve escrow issues or payment mispostings!?!? This company can go F**K itself!!!!!!!!!!!!!!!!

As a former employee it was amazing the things JpMorganChase would try to get away with. Obviously working in a call center numbers are the most important thing. Numbers meaning calls that are serviced. In attempt to maintain service levels representatives are required to be logged on and ready to take callls at the begining of their shift. In a nutshell, employees are required to arrive ten minutes early without pay. Failure to do so will lead to a 'performance write up'. My concern is the legality. This isssue displays how employees are treated. I ask you, how do you think customers are treated?

The reason why everyone receives poor service is because of the way customer service representatives are treated. Representatives service at least 100 calls a day. They are required to have an average of 180 sec per call. Failure to do so will hinder any raises, promotions, and/or bonuses. Obviously everyone receives the typical break and lunch time. If one needs to use the restroom, they must advise a supervisor and make up those minutes. A representative has a leeway of two minutes for the whole day - actually a minute and half (the clocks round up, i.e. 30 seconds equals 1 minute). If one is late more that 4 minutes and thirty seconds at the beginning of their shift, after breaks or lunches they will get an occurrence (sounds like those old school days). While individual is punished with an occurrence they still must make up those minutes. 10 times over one year is grounds for dismissal.

JpMorganChase is the military of call centers. Under this type of pressure it is very difficult to provide excellent service that customers deserve. Additionally as a customer service rep. all decisions are based on the computer outcome(is the customer valuable to the company,have they paid enough in fees already, etc.). I know it is so frustrating to call in to Chase, unfortunately the individual that answers the call is not at blame for the ill-managed company.

I have been with Chase for eight years. The first three were nice. They meaning Management seemed to care about their employees. I wish I could say the same now.... I can not. The Chase of old does not exist anymore and that is a bad thing, with all the merges we have lost everything that we stood for.

The Right Relationship means everything or so they say. What exactly do they mean by that? I would love to know.... I'm clueless. They take everything away from the dedicated employees that they do have. Starting with the personal days that we use to get.

We lost the Shuttle recently and a lot of people did not know what they were going to do in order to get to work. You would think the hire ups would care about their workers and try to help assist them in finding transportation. That was a statement that they made when we first found out about the bad news. Even after filling out the memo about how many people used the shuttle we thought that everything would work out when they came to a conclusion that we would have a certain amount taken out of our paycheck. A few days later they spring it on us. All HELL broke loose!!!!

Worker's were in a turmoil over this. People were wondering what to do would they quit and get another job or would they try to get the three buses or take a train. Whatever..... Every-one was coming up with ideas every-one but the BANK! They said that they would work with us on it. Schedule Change would be a possible thing to do. Or so they said. Everytime you came up with some idea they would shoot it down.

Chase keeps comparing themselves to MBNA well they have a Shuttle. Why don't we? The budget... The HIGHER UPS do not have a clue on what is going on there. People get by with doing little or no work and nothing is said to them. When other's do a great deal of work but they are the one's that get dumped on. They think they can do more work. That's fine and good... What about the one's that take all day to finish one task when other's do a few? God forbid, if they are having a bad day and they get behind a little. It's a major sin if that happens they wonder why it's not done as fast as you usually do it. What happens to the one that takes all day to do something and is talking all the time and chillin'? Favoritism is rampant here at Chase!

Raising the bar is a good thing if it is done right. In this case it won't be because, they always want more than what you can give them. Nothing is ever good enough. Even though you give 100% maybe more they knock you down. I know no-one is perfect and we all have faults but to constantly tear you down is not a good way to do things.

I am currently an officer at the bank. It is true that anyone who is not a manager will be stepped on and used for the ambitious endeavors. Management changes like the seasons while the people who are the real workers are left to be abused by the next line of managers.

Hypocrisy is evident in all the ranks of management. They will be nice to you and appreciate as long as you do their work. If the tides change, you are left to be strung up, tarred and feathered without even a hint of support. They will say one thing and really mean the opposite as far as trust and respect.

Example, they would rather hire expensive consultants to do what they need while pretending to try to cut costs. They cut costs by threatening their employees and actually verbally pushing their employees to leave their jobs.

What kind of employer instantly erases everything you have contributed (years) that they benefited from and kick you to the curb. It is all about doing other people's work and then being stepped on in the process. The call it business as usual but I call it a sad corporate tragedy. It is sad that a select few can corrupt and exploit the very people who support and got them where they are now. Chase management is a poor excuse for their title.

I am an employee with JPMorgan Chase. I truly believe many of these complaints are completely unfounded. Being a CUSTOMER SERVICE PROFRESSIONAL, I am well aware of how to treat my customers. I treat them with the respect and courtesy they deserve. I understand not all of our employees know how to deliver true customer service, but I find it completely offensive to read these comments regarding ALL of Chase customer service professionals. I enjoy the company I work for and will continue working for them! Believe me when I say your site is nothing out of the ordinary. EVERY company in the USA has someone establish a hate website against them. I know many of you may have heard this spill:

I apologize if Chase has not met your expectations. Just remember, most of our customer service representatives mean these words. We, too, are customers. Have a great day.

I am an ex call center employee. No doubt, the managers that are running the show at Chase are nothing more than former hippies with a liberal political agenda. I won't mention her name, but my former manger, C M, was an absolute nutcase. She blew up with her employees - many of whom were very strong sales people who made the bank a lot of money. When brought to other managers attention, they chose to lose most (and I do mean more than 50%) of their employees than to lose a couple of incompetent managers. We are better off gone and Chase is worse off. No wonder the stock price keeps plummeting.

For what its worth!

Being an employee, I just think it is fair to let you know that Chase is out there purchasing other credit card company as I write this such B of A and Providian and many others. Their plan is to be one of the top 5 credit card companies out there and they are well on their way there. I dont approve of some of the things that Chase does but one thing is they do work with students and paying for their college, they give stock and benefits as of day one of employment. There is always bad with the good so take it as it is.

My sympathies go out to anyone who has worked for or is working for Chase Bank. I am a recruiter for the world's largest specialized staffing firm. My suggestion to anyone who is currently employed by Chase is to organize a coup.

I have witnessed this with other companies with similar "policies" of poor treatment of their staff. There are obviously MANY employees of Chase that are unhappy. Unite! How great would it feel to have 80% of you department (hopefully including managers) walk into the big boss' office and quit! Even if only the people in your department or office leave it WILL have an impact. Then, after you've all quit (all on the same day and with no notice of course), you can promptly file for unemployment which CHASE pays for.

If you have documentation of the abuse you have had to incur as an employee of Chase Bank, you should have no problem getting the unemployment agency to approve your claim. In addition, there are staffing agencies everywhere that represent people who are CURRENTLY employed. They can help you locate another job BEFORE you leave this one. People who have 10 years experience at the same company are very desirable (even if the experience is a Chase)! You have options! Even in this economy, you have options!

Staffing agencies can help you find temporary work if you choose to leave without having another job lined up. The bottom line is, you do not have to tolerate this! My heart goes out to all of you. Good luck with your new "post-Chase" life!!!!!!!!!!!!!!

I am a current chase employee.I work at a midtown branch.The problem is not with customers,it is with managers specifically service manager(S/M).I understand that customers is #1 priority but at the same time S/M need to treat employees(tellers) with respect because we are humans just like customers.If the employees are not treated fairly or satisfied(not just money)there is no way that they will provided EXCELLENT SERVICE.The branch is a very busy branch and the tellers do a great job at keeping the lines moving. Sometimes it feel as though you work in a concentration camp because you work your butt off with no breaks and monatery you are not compensated and on top of that you are treated like dogs.In closing, I recommend that those in charge of managers and service managers would from time to time send them on work shop not on how to make branch goals but on how to speak and relate to other co workers.I wonder,

CHASE-"WHERE THE RIGHT RELATIONSHIP IS EVERYTHING", DOES IT APPLY TO EMPLOYEES OR JUST CUSTOMERS????????

I've been in customer (dis)service at chase for a year, but since I'm not a minority or gay, I have no future here. This is a great place to work if you want to have a damn food day every other day... maybe it's their plan to make everyone so fat, they'll be too lazy to quit. I can call 5 different supervisors and get 5 different answers, none of them correct.

Oh, any if any customers are reading this: calm down. your little late fee is not the end of the world, so there's no reason to scream! and if you mail a payment on friday, NO!, it will not reach us by Monday. Use your heads.

Hey all my fellow Chase haters...I am a current employee of Chase. I have to say that yes, "CHASE SUCKS!!!". In fact it bites the big one. I have been an employee for going on three years and I have to give it up for my fellow browbeaten reps. We work in collections and even though management is changed monthly and team leads are blathering idiots, and supervisors are opressive, rude, incompetent, scheming, uneducated, alcoholic, drug-abusing, imbiciles....(i digress), just get the hell out as soon as you can. I have just completely redone my resume and am about to take it out to other banks.

We at the Chase Newark, Delaware site get as much crap as everyone else and it has gotten worse since JPMorgan took over. They got us involved in the whole Enron bull----, and from what I heard Chase just helped bring WorldCom out of bankruptcy!!! Why don't you corporate f**ks use all this extra money that you are using on other companies and pay your hard-workind underpaid collectors? We sure don't see that crap when you're handing out our annual raises, let me tell ya!! I have never felt so oppressed and down and hating a job as I do working for this poor excuse for a corporation.

So many people would love this site where I am and I am so gonna tell everyone I trust about it so that they can vent their frustrations as well since none of us have another venue...for those who truly know Chase, how would even voicing these opinions down in HR sound even if you said them in the calmest most professional way possible??? COULD YOU IMAGINE?? You might as well go in there with you rear end exposed so that they can kick you out on it with their big corporate boot. It sucks to be there, the ass-kissing is intolerable, the phoniness (is that a word?) is a disgrace.

All Chase non-conformist employees are stressed out and I feel your pain, but eventually you find something else that treats you better, and pays better. I hope I find that soon, wish me luck, ( or are they buying everything???). Keep your heads up because eventually they will be exposed, what will happen to them will probably be nothing because money talks, but at least someone will hear us. (besides those of us who have had the unfortunate experience of working for them)...

Love the site, so far most I've seen here is true...Will probably now be checking in everyday!!!!!!!!

Ok so we are all so pissed at chase ! i do understand! Hey I work in Tampa CS. they started having us sell for them then they say that if we pass Quaility Assurance that they will pay us our (Bonus) well needless to say the people that listen to our calls they record them you know to listen to later they have no friggin idea what they are doing chase gives us a breakdown of what they want us to say its like 35 pages long and this QA chngs it every 2 to 3 weeks then a whole bunch of us sell all month and QA gives the last report on the last day of the month so after we sell and take the nasty a** phone calls like 130 a day and try our best they make sure most of dont pass the QA so they screw us in the back side and say well you didnt pass QA so sorry no bonus for you !!

So recently they come up with this great idea to take out the part where they time you on all your calls then the average it out to seconds like 2 min would be 120 and so on they took this out then the other day they say hey we have something new for you to sell and bring out this packet and say well you have to sell this and just the speach you have to say on this selling is like 4 min long so they took out the call time so we could sell bottom line is almost everyone that works there hates it it smells in the building the managers are smiling all the time all the reps are stressed out cause somebody is always telling you on the phone to screw yourself or suck this suck that and the sups dont give a dam about anything either. I have a chase accnt my paymnt was 2 weeks to get there also so i know what a huge company to be so lame at everything they do its so depressing to have some a--hole listening to you talk on the phone and tell you every little thing you do wrong i said one ya instaed of yes and they marked me off for it

I'm done. Love this site will visit here soon again

I'm a recent former employee of Chase Bank of Texas. One thing you customers should know is that if you have more than $25,000.00 in your account, YOU DON'T MATTER!

On any occasion when I had to get management to approve something that I had to do to fix a customer's problem, the first thing they ask is "HOW MUCH MONEY DO THEY HAVE IN THEIR ACCOUNT?" This means that if you don't have a lot of money, your problem will either go unresolved or take painstakingly long to fix.

There's more to come...this is just the tip of the iceberg.

I would like to hear from any women who feel they have been discriminated against based on their sex and have facts to back it up.(such as only men being promoted).
I am suing them and would like to turn it into a class action suit. No money required, I have an attorney on contigency basis.

I worked for JP Morgan a total of 12 months in the lockbox Department in Houston, Downtown. I don't mind giving my name address or anything else because I want the world to know

If I have ever worked for a place that sucks, lockbox at JP Morgan Chase is definitely the place. The managers are so unprofessional, they really need to attend management skills, a couple of them can't speak any better English than a baby with no teeth. One doesn't know her tail from a hole in the ground.

They've cheated me out of a whole paycheck and then turned it around to make it look like I didn't know when payday was.

I have a lawsuit in now, so I feel optimistic every thing will work out for the better. In the meantime, I've made sure everybody I know cancels their account with them.

I am a former employee of Chase Bank and I am so happy that I no longer work there. I was so STRESSED out working. I used to go home everyday crying because of the stress.

I haven't worked at Chase for over two years and I still stress out at the thought of working there again.

To the customers, I ask that you at least try to be more friendly to the CSRs. We are only there to work so that we can pay our bills just like you. Every call I answered was from an angry customer because of something I had no control over.

I even had a customer who would not give me any information to look at her account. She only screamed at me and asked, no, demanded that I removed a charge that I could not see because I didn't have her information. The scary part of it all is that customers don't realize that we have all of their information (SSN, DOB, name, address, credit card number) in front of us and we could do as we pleased with it ( ex. get a credit card under your name with you ssn and never pay it back). But I ask that you thank the heavenly stars that some of us that are stressed out still feel that you should do unto others as you would have them do unto you.

I worked for JP Morgan and then Chase bought us. Within 3 months they were running the place into the ground. I left finally. They suck !

I'm a former Chase employee who previously had a Chase bank account prior to accepting my position at a company bought out by Chase. I was told that a new account would be opened for me along with employee benefits (free checking, better loan opportunities etc...). Upon leaving the company for better opportunities and having a bank account with at least $40,000 in savings and approx. $7,000 in checking I find out a month and a half later that $3,700 in checks written out that month had all bounced.

When I called to find out why (and getting the normal run around of being transferred throughout the entire office) my checks had bounced, with more than enough money to cover my debt, I was told my assets were frozen and my account closed due to the fact that I was no longer a Chase employee. I asked if it was a normal practice to freeze someone's assets and close their account with prior notification, they told me that my resignation from the company acted as giving my consent to close my account and that I should have received a letter notifying me of the actions they were taking. I am yet to see that letter.

I asked if they could reopen an account, seeing as how they still had my money, they told me that I would have to wait for a check to be cut, which then could be brought back to the bank that screwed me in the first place to reopen a new account... needles to say I now have my money at North Fork Bank.

By the way they had no problem tapping my frozen assets for penelties charging me for insufficient funds on the checks that bounced. Chase Bank Sucks.

I have always been a give it your all employee wherever I have worked, and I find myself drowning at chase. I have been with Chase for just under 6 months, and I have started to realize just how much crap really goes on behind the scenes. A fellow employee has been with Chase since day #1 (TIME TO RETIRE!!), she complains all day long, about nothing. Unfortunately, we all need to earn a living, but shut up, or retire!!! Numerous complaints have been made about this person, yet management just throws their hands up, and says, " What can we do? " That's not an answer!! We recently had a contest for some stupid thing, and we were to raffle something off for the customers. My assistant manager pulled the name of a customer who has been select for many years, after going through the names for an entire day. The first hundred names were regular Joe customers, but obviously, they don't count. If you're a customer reading this, my advice is to take your accounts elsewhere. Unless you have more than 25,000 in your accounts, Chase doesn't care. And forget about small business accounts........ P.S....Fellow Employees....DON'T FORGET TO SMILE!!!!

i am employed by chase bank of texas. i work serviceline and all the comments are true. i had my schedule changed 3 times with less than 24 hours notice and they said they would write us up if we were late. our team leaders are never there and the racial diversity thing- whatever. i am not in the least bit predjudice but there are about 100 employees now since we are just hiring in and thereis only 1 white in charge. there are about 6 white people in the building. most of the higher ups are even predjudiced against other blacks. it is outrageous to go to work for the meager amount of money they pay us.

some customers do need to understand though that when you take at least 140 calls a day about the same thing you tend to losse your personality.and it does get tiring to have people yell about insufficient funds charges when you know good and well to keep track of your money and dont write a check if you dont have it in your acct.dont expect me to give you a courtesy refund if you have done this multiple times this year .ok

I am a former employee of Chase Bank. I quit my job there for several reasons, the least of which is Chase's fair treatment of people in general. As a former employee I wish to remain anonomous for good reasons (death threats, stalkers, etc.).

Chase treated me poorly, they refused to give me back pay they owed me, they refused to cooperate with me during vacations and my wedding anniversary. Chase did everything to me as an employee that they do to their customers. While working there, I did run into a few customers that were satisfied with Chase. Heaven knows why.

I am a current employee at Chase 1 of 2 mortgage servicing offices. The office I work as was previously known as Advanta Mortgage, before chase came and bought us, like the do every other bank in the world, I absolutly loved my job. I loved the people I worked with and I loved the way we ran our business.

When chase came in the laid off about 150-200 employees....and what did they do 1 month later.... held a giant job fair and hired a million more. What kind of crock of shit is that? I mean really...why couldn't they just move the old employees to different positions instead of training new ones? Assholes!! Now we have a bunch of entry level monkeys working for us that don't know their ass from a hole in the ground. Not only did chase suck....but I actually think that they train their managers to be mean. My department pretty much stayed the same when chase moved in....except for the fact that our supervisors and managers are complete fuck heads now. I used to be friends with my super... now I hate her. Oh and what they hell is " the right relationship means everything" supposed to mean. I really think that that they should work on having a good realtionship with ther employees first. If you have bitter mad people working... you really think that they are going to be bright and cheery on the phone? I have millions of calls a day saying that they have been on the phone being transfered for an hour. Is that how we should treat our customers....NO! I hate working for chase.... and on top of everything have many labor commision issues against them. I think that I will file a Class action aginst them if I can find enough people to do it. DO YOU HAVE AN ISSUE WITH THEM? JOIN ME AND LET'S SUE THE FUCK OUT OF CHASE. THEY DESERVE IT! CHASE HAS EXTREAMLY BIG POCKETS.... I know, I work in the legal department!! We could get a shit load of money from them. If you want to join me please emial me at sdbabe01@aol.com. No longer will chase get away with treating their employees like shit.

Chase hates bad publicity....and that is what they are going to get!

1. Chase did not deliver me my new credit card as i called because my current one expires July 31st.
2. I have worked for chase for 11 years
3. I asked for card within a week
4. They said "sure" on tuesday
5. They cancelled my current card without telling me even though i explicitly checked this would not happen.
6. Their answer??.... "Sorry"
7. Shareholder SVA means employee rape
8. This domain name holds true

I have been a Chase employee since 1992 (old Chase). Since the Chase-Chemical merger in 1996, I have seen this bank go down hill. The bank became trashy and the Chase name which at one time I was proud to work for, means nothing.

The Chemical senior managers took the Chase name and ran it through the mud.

I am an ex-employee. I worked in the branches in Upstate NY. The last two years have been hellish. Ever since Chemical merged with Chase we have not resembled the 'Upstate' Chase that I was trained to work for. I discovered in the end that my attitude of caring for and personally knowing my customers was not a valuable commodity. The same incompetent people were shuffled around to different positions depending on what new New York City or CT person 'took over' the upstate issue. Upstate always made money for the bank and suddenly we were being compared to the sales routines of the Bronx or Lower Manhattan. What does Rochester have in common with anything in NYC?

I made my goal every quarter as a sales person and yet rarely got a bonus as the office would fail the random customer service surveys. Someone would be rated GOOD rather than FLAWLESSLY OUTSTANDING and we would lose points. "Oops, so sorry little slaves! No bonus for you but hey we will give you a Christmas party with an open bar to get trashed at!!"

The morale is beneath the word 'LOW' and the new sales people {who are other banks rejects} come in at higher pay. Very nice.

The managers double talk you until your head aches and you run screaming to the safety of the bathroom. I am gone now and a load bigger than I could ever imagine is lifted from my entire being. My new mission is to help others leave! Dear Chase what you have become is a nasty fat {phat} money grubbing stifling horrid place to work. My new job is like heaven on earth and it took me months not to be suspicious of everyone because of the back-stabbers at Chase. I work ten times harder for my new company than I did at Chase because this place treats me like a human and not like a piece of nothing.When Chase treated me like a person I worked hard and long and was an excellent employee.

Chase, do you really have so much money that you can afford to have 10, 15, 20 year employee dropping like flies? Do you like training new people constantly?

I have been an employee w/ this institution for 18+ years (formerly TCB). Recently I went to my direct supervisor with several complaints about the way managerial duties were being pushed to non-manager employees. I was told if that is the way I feel then maybe I should look for something else. After 18 years, that is the response I get. Previously the same manager had complemented me on my efficiency, hard work, and loyalty. What a crock. The little person means nothing except a head to stand on, while management is getting moved up.

The motto from upper management seems to be, DO MY JOB AND DO NOT COMPLAIN IF YOU WANT A PAYCHECK.

Chase's problem is that they overemphasize their structure. I work in an "operations" area where 80% of what we do is actually risk mitigation and not operations. This is not was I applied for!!! To add, I work under a management which wouldn't know a good employee is he/she saw one. (NOTE: I am trying to keep these comments as clean as possible but, I'm sure other current and former employees know exactly what I mean.)

Chase Mtg. has mandated that every employee must attend a Customer Service class. This is all well and good but, if Chase can't even focus on retaining good employees, you'll never be able to acheive any sort of good customer service (or any good service, for that matter).

Enough with those silly service stars and even the stock options are useless unless the stock price somehow goes up (novel idea?).

HOW ABOUT INCREASING THE PAY TO A LEVEL COMMENSURATE WITH SKILLS AND ACHEIVEMENTS RATHER THAN WHO KISSES THE MOST A--.

To whom it may concern:

I do work at chase credit card here in tempe, AZ for the credit card customer service dept. I will admit that yes, there are some employees who work there that are uneducated, incompatent, rude people that work amongst me, however, there are a majority of us who like our jobs, and do know what we are doing. If you have a problem with Chase it is not our job to have you take it all out on us, the unlucky one who had to get your call. Please remember that we are humans too and have to go home to our families just like you. How would you like going to work everyday to get bitched out and called every name in the book by some asshole stranger and still smile for the next call. It is not the easiest job in the world. Please remember this, if somebody called you and asked you nicely to help them, you are going to be a hell of alot more inclinded to do so then if they called demanding you to do this or that. Courtesy gets you everywhere, rudeness gets you nowhere.

Example, if you call to have your late fee removed and ask me as nice as you can I will be glad to do so (provided you do not do this every month) but if you call and demand I take your late fee off or your going to close your account and do this and that, it is rare that I will do it for you. And last but not least, I understand if you are mad at Chase, your blood is boiling and your panties are in a bunch, I am also a customer, I feel the same way at times, but please remember when I answer the phone, I am a human being doing my job the best that I can to support my family, I am not Chase, i did not personally decline your check or assess you a late fee, talk to me like a human and I will treat you like one. Call me a bitch or a cunt or whatever your word of choice is and believe me I will call you one too, you just won't hear it. To those of you who do understand this when you call, I apprecitate it very much, you truly are the best part ! of our day at work.

Thank you, once again, from a Chase employee who is just as tired of you as you are of us.

I am requesting information from Chase Mortgage Corp. employeees regarding the following types of activities demanded by supervisors or discussed in training sessions:

1. Delay of payment posting to deliberately cause an account to go greater than 30 days past due, resulting in assessment of a late fee.

2. Applying payments to escrow instead of to the monthly amount due.

3. In the Collections Department: Delays in posting misapplied funds to the property category, ensuring that the loan goes to foreclosure.

4. Foreclosure Dept.: Delays in handling issues with previously misapplied funds so that mortgagee is forced to pay what is "owed" or lose home in foreclosure auction.

5. Insurance Department: If a notice of cancellation for non-payment is received from the insurance agency, and the escrow account shows that the premium was paid by Chase: Are you instructed to authorized hazard insurance from a Chase subsidiary rather than question the cancellation notice with the insured/insurer.

6. Is Chase targeting current loans with an APR less than the current rate for new first mortgages for harrassment, so that people go to another mortgage co. and the loan is discharged and off the books? Are employees directed to do this?

Background:

In May 1998, I received a notice from Chase that my mortgage payment was being adjusted upward $157/mo to cover an escrow shorfall incurred in the previous year. I called customer service and the rep. told me that the adjustment was to cover hazard insurance policy of $1330/yr. The rep. said that they had received a notice of cancellation from the insurance agent for nonpayment of premium in November of 1997. I never received any notices from Chase or the insurance agent. I asked the rep. if there was a note on the escrow record that showed a premium payment to the agent and he said yes. When I asked him why they would pay my agent and never question his notice of cancellation and then take out a prohibitively exorbitant policy with, I assume, an insurance provider owned by Chase, he said that I could dispute the charge. I called my insurance agent to get a certificate of coverage, but he had left the business. The company that inherited his records initially could not find my file and refused to issue the certificate because the agent's records showed I was refunded the premium, which was not true. Anyway, the insurance company told me there was nothing they could do, because the agent was no longer there. I think he may have pocketed the premium and I have alerted the State of Michigan Attorney General.

In July of 1999, Chase lost my regular mortgage payment check. I received a notice from Collections that my mortgage was now 2 payments past due. I stopped payment on the original check and sent a check for two payments. Chase applied part of the money to one payment and the rest to the "escrow shortfall". The next month, after receiving a notice that I was again two payments past due, I sent in another check for two payments. Chase again appliec part to one payment and the remainder to the escrow account. Unknown to me, I was now 2 payments past due and, in trying to straighten it out with Collections, my account became due for the next months payment, making me 3 payments due, and the account was sent to foreclosure.

In July I sent Chase $3,500 for three months mortgage payments (which total $2600 + 900 in "fees") in order to prevent the sheriffs sale of my house. Basically, the deal was: pay up or lose your house and we'll straighten everything out later.

In August I got a notice from Chase collections that I owe two months back payments plus $900 in attorney costs and "fees" totalling $3,200. I called foreclosure and they said that the funds sent in July were again misapplied and were trying to straighten it out. I called Collections and told them this, but they said that if I didn't send the entire amount owed, the account would go to foreclosure again and I would have 45 days to pay before auction. I contacted the attorney general's office and was forwarded to the licensing division that handles consumer complaints. I filed a formal complaint and was told that they work directly with Chase's lawyers in New York.

If they threaten to auction my house, I am going to file for bankruptcy protection to prevent it. I do not have $6,700 total to send to Chase in July and August.

One thing that I did notice was that in the middle of the first foreclosure, the rep. referred me to a mortgage broker to try to work things out by taking out a new first mortgage that would consolidate my credit card accounts. Of course, since my current interest rate is less than the prevailing interest rate, I suspect that Chase is harrassing it's low interest loan holders into refinancing. Also, since I have had to be late on my credit card payments to come up with the funds for Chase's financial demands, my credit rating is blown.

The lowest first mortgage rate that I can get on a nonconventional mortgage is 11.5%.

If any of you have knowledge, have been instructed to do or have procedural documents that substantiate policies to harrass, cause accounts to appear late to collect fees, have been instructed or taught to delay posting or corrections to postings, or have been instructed to obtain high rate hazard insurance, please contact me at: uimcea1@hotmail.com

I would also like other mortgage holders to also contact me if you are having any of these problems:

The health insurance industry is currently under a class action suit for similar practices where employees were instructed, even policies written for, harassment of policyholders and refusal to pay claims.

I am committed to pushing this complaint all the way to a private lawsuit. However, if these practices are widespread, to a class action suit. Further, employees are protected from firing and harassment under whistleblower laws designed especially for this kind of fraud.

Please help. Also, are there any reputable mortgage companies out there who do first mortgages for people with a lousy credit report?

Chase's recent condemnation of the Boy Scouts of America, because of their ban on homosexuals, is the last straw! That Chase Bank feels it is in a position to lecture anyone on moral issues is particularly bizarre and galling. I work in the company's world headquarters and I have never seen a more smug group of hypocritical corporate a--holes in my life. Down with Chase!

I can't understand what Chase has become? "Employer of Choice"? Get real! What has happened to the old way of doing business? We employees show all good faith in the company, good work habits, good customer relations and etc. What do we get? A meeting with "the man" saying we are not giving our all and underperforming. What do we get in return? A slap in the face saying "it's not good enough". If it's not good enough, why don't they try and sit on our jobs and let us rate them! Then we have a legitimate argument. Another thing concerning cost cutting, how much can they cost cut? The more they cut, the less they get by quality and service. They are so concerned about a "efficient" running operations? How "smart" or "efficient" can you run a business if they keep cutting costs and taking away the tools to run a smooth operation? They also claim that we need to be more "proactive" than retroactive? Spend some damn money and get us the tools needed to be "proactive". Guess the big man does not get his bonus for this year! Maybe the heat is coming down on him due to him not performing just like we are? Things that make you go Hmmmm?

I am a former Chase employee who worked in what they classified a "mega" branch. I was there for five and a half extremely long years. I worked as a sales rep. As a sales office, your manager assigned you "goals". WHen I resigned, my manager explained to me that as a manager, he was instructed to set the goals so that no more than 40% of the employees met there. So, basically you were set up to fail. Also, if you did not make your goal three times, you would be dismissed. Also, Chase offered a product called Lifeline Checking/Savings. These products are for lower income people who could not maintain the standard minimum balances and wanted to avoid Chase's outrageous fees. We were reprimanded for opening these accounts, and on a few different occasions, we were told not to sell these accounts.

I guess that this is what they mean by "The Right Relationship is Everything". Anyway, I could go on for a very long time, but I think that you all get the message.

I am a current management employee at Chase Manhattan in Cleveland Collections call center. I realize that people have problems with this Corporation, and their techniques. I do feel that due to technology restrictions, "we" Chase employees are unable to service the complete needs of the customers, WHICH SHOULD BE THE NUMBER ONE PRIORITY. Please be aware that all people labled under "CHASE" are not sludge dwelling dirt bags. Most of us are hard working average people trying to make our way through this crazy world. I honestly would like to give an apology to those with adverse situations due to Chase errors, or ignorance. I would like to thank you for being "my" customer!!!!!!!

This company sucks the BIG ONE!!!!! They only care about certain facts and don't look at details or ask questions to find out the real problems that are going on with their employees. They don't care when employees file a sexual harassament complaint, hell even when it is written THEY LOSE IT SO THEY CAN CLAIM THEY HAVE NO RECORD OF IT!!!! They allow the managers, supervisors and quality assurance people get away with murder and don't give a shot about the customer service reps who worked their butts off to make everyone look good. Customer Service Reps put up with all the BULL---- from everybody and not ONE PERSON THERE AT CHASE GAVE A FU--.

I had a friend who was fired from Chase because she filed a sexual harrassment complaint against a supervisor and low and behold she was then fired because they claimed that she did something that she didn't do. She tried to fight it with Chase but they wouldn't listen to her - only to what they wanted to hear and they never even investigated anything. DO NOT TRUST THIS COMPANY OR THE EMPLOYEES THERE THEY WILL SUCK YOU DRY OF EVERYTHING THAT YOU HAVE AND WON"T EVEN BLINK!!!! Plus they have sexual abusers and child molesters that work there, and they allow their higher manageament staff to sexually harass and threaten the employees.

I am a current employee of Chase bank of Texas. I have been an employee since in Texas we were known as Texas Commerce. I have never worked in New York but know all about their operations and all of the things that go on within Chase Manhattan. I just have to say that I truely believe (in Texas) the morale of Texas employees has been going down hill since we took the name Chase.

I am still a very proud employee. To former Cleveland employees, it's very sad but I was one of those employees who took your job. All I can say is that Texas Commerce was great, Chemical was great, Chase is just corporate America.

Where should I begin? I started w/the bank just after to MHT merger w/Chemical. I loved my job then..looked foward to coming to work even...unlike now.

I had known through the grape vine (the smoking lounge..when we had one) that the bank's lease was coming up in 2000. Nobody belived me. Then they started to fix up the Jericho site & all hell broke loose. The managers had taken their reps off the phone to let us know about the relocation of "some" areas to Houston. We weren't allowed to speak about it amongst ourselves.

Many of my co-workers were planning on leaving the bank when the migration started. I knew I wouldn't have a chance in hell of landing another job w/all the benefits the bank offered (plus I had only a few more mnths until I was vested in the retirement plan).

So I decided to relocate to TX. What a mistake! I regret my decision everyday I wake up knowing I have to go to that call center. And I've asked if I could be released from my contract & was given a big "NO". I even asked if a could work for Chase still,just in another dept., again "NO".

I was given the cold shoulder from everyone in the call center form day 1. Is it because I'm white or because I'm from NY? I don't know. The people here are afraid to answer. There is a big race issue in this call center..that is something that I was brought up not to tollerate. It never mattered to me what race anybody was. I've mentioned this to my manager,who said she would take care of it...nothing's changed. Do you know how hard it is to go to work & get burning stares from people for 8 1/2 hrs a day? Now I do.

I also had a problem w/the relocation people. If you are one of the lucky victims (as I like to call myself),make sure that you take pictures of everything you own. Document everything...you may never see it again! And if you do,it probably won't be in the same condition it was in when it left your possesion. Trust me on this one. If "relo" tells you anything..GET IT IN WRITING!!! Or they will screw you as they've screwed me.

I was finally at the point where I contacted my lawyer in NY (who said he would take my case) & when mngt found out, I was brought aside & told that "99% of the people that bring a law suit against the bank are no longer w/the co."..I took this as a hint that my time w/this co is running short.

And at this point I don't really give a crap anymore. All of the TX reps feel threatened by the NY reps...and do not hide it. They let you know they don't like you..pointing at you even. You won't receive imp memos or updates. Or be told about anything that going on until it's already over. I know this from exp.

So if you do decide to put your life in the banks hands, just remember that they will squeeze every last drop of blood from your dead twitching body & then throw you in a ditch..to never be seen again. By the way.. there are alot of ditches here.

I know that they will know who I am by this..but I just don't care anymore..I'm burned out. People tell me to go to the newspapers about the way that things have gone for me..but the bank will probably deny that I ever worked for them. Does the Mafia know about how the bank works? They might be able to make more $ & have it be legal.

I am a former employee of chase, and I am very concerned about their upper management. They get the greatest pay and benefits, yet they right now are the biggest risk. An example of this is to watch some of them try to use a computer. They simply can't. Now I understand that some of the upper management can use the computer on their desks, but I would say over half really can not. They are heavily dependent on their staff.

Upper management is amazing how out of touch they are with addressing problems. I do not think the majority of them take the time to actually look at their responsibilities. It is de-motivational to be in a meeting when a problem is being addressed by a director, and you realize that he has absolutely no clue on what's going on. And you don't dare say anything, because if you do you know it will cost you your job. That's another thing that needs to be addressed, is the catch 22 at Chase. If you know that something is wrong, or so completely inefficient it should be illegal to use company funds to support it, Chase should have a realistic internal place where you can be completely safe to report a bad situation. One that protects the employees job, that reports it.

These two factors are making Chase into a very lousy investment for the future and a very poor choice for employment. No matter what kind of employee chase hires, if it is leadership is out of touch, unskilled for, or too antiquated with current technologies and financial opportunities then it will be the top dogs of the company that drag this company to the ground.

Also, since ego and popularity out weigh work ethics and competence, it makes employees feel demean at times. Shit roles down hill, and it's amazing how many mistakes are blamed by incompetent people on competent ones.

I am a current employee of Chase bank of Texas. I have been an employee since in Texas we were known as Texas Commerce. I have never worked in New York but know all about their operations and all of the things that go on within Chase Manhattan. I just have to say that I truely believe (in Texas) the morale of Texas employees has been going down hill since we took the name Chase.

I am still a very proud employee. To former Cleveland employees, it's very sad but I was one of those employees who took your job. All I can say is that Texas Commerce was great, Chemical was great, Chase is just corporate America.

I am the daughter of a Chase employee who works behind-the-scenes in the corporation. This past fall Chase informed my father that he and several thousand of his co-workers would have to leave NY city and move to Dallas, Texas. My father is in his late fifties and has to stay w/ Chase to earn his retirement plan. He's lived in NYC his whole life but has to leave just so he can get a retirement plan, since he's only been with Chase for several years. Personally I can't afford to go see my parents by plane. Not only that, but it seems quite apparent that Chase is only in it for the money: they can continue to pay their NY transplants the same salary (which will seem way larger in TX) and hire Texans for much less than hiring New Yorkers.

I also heard that when Chase built their headquarters at MetroTech in downtown Brooklyn, the city of New york gave them huge tax breaks on the project b/c Chase agreed to hire a certain number of employees from the nearby Brooklyn neighborhoods. Chase is already packing up for the Lone Star State without having filling their promised quota of employees from the vicinity of MetroTech.

Hello, I just wanted to let you all know that I actually agree with alot of your comments.

I am a customer service representative at Chase Manhattan Mortgage. Please don't blame us for the shit going on there. We know the systems are always "down", we know payment processing lost your payment, we know you shouldn't have gotten that late charge, we know everything about Chase is totally unorganized, and every time we address our supervisors about the problems they just say they are working on it.

The customers are not the only ones getting a run around, us CSR's are also. The insurance department never pays the homowners insurance, the tax department never pays the taxes, then when we ask them to pay they say it will take 30days. You as customers are not the only ones that have to deal with that stuff. The tax department and the insurance department also do NOT have a phone# to take inbound calls, CSR's cannot call them either, so PLEASE don't yell at us for this. If you wonder why we are rude to you customers sometimes is because you are blaming us for your problems, you think we don't know that Chase is shitty? We know, but as just reps, we don't have any say in how things are run. If we didn't have bills to pay, and if Chase did not pay us so well with all the money they are ripping off of you we would quit, but unfourtunatley money makes the world go round.

So, the next time you call Chase customer service think about this. It is not that we don't care, but every time we try to make it better we get the run around just like you. And talking to our supervisor is not going to get you anywhere either!! So quit asking!!

P.S. It is not illegal to raise your payment because of your escrow account. If you don't want your payment to increase don't have an escrow account. Some of you people are just ignorant!!!! It is common sense, if your taxes go up by 300$ your payment is bound to increase!! Do you honestly think Chase is going to just pay your taxes out of pocket and not ask to be reimbursed?!?!? Plus when asking to be reimbursed they are not even charging you interest!!! They just basically gave you another loan interest free!! Never thought of it that way did you??? That is because you are stupid!!!!! (this is not directed to all of you just the many customers yelling at ME because there taxes increased) Thank You.

I am a former Chase employee. I worked in the Unit Trust Division at 4NYP. I must admit...it was like' working in a real life soap opera. Golfing, sleeping around, and backstabbing are all part of the working environment. For example, as a former officer of the bank, you are required to attend sexual harassment training. They tell you not to act a certain way at work or else you can be fired for sexual harassment. Meanwhile, a certain supervisor was sleeping with one of her employees, and her boss knew of this!! When another employee went to human resources to complain about the situation, nothing was done about it! The supervisor denied the affair and the individual who complained was reprimanded by the department head. The funny thing about it is the supervisor and her employee ended up getting married to one another.

All the department heads do in that place is play golf 3 times a week from Memorial Day to Labor Day and never get charged a day off. They have a whole scam running in that division. It's a joke. Now I was told that most of the people who actually do the work in that place are going to be laid off due to the division relocating to Texas. What a shame. I'm sure the department heads will probably end up with a nice severance package while the people doing the actual work will be struggling to find new jobs.

I am currently a Chase employee and have been for 5 years. I began as a teller and agree with every single complaint given from tellers and everyone else who works in the branch. I have noticed that most of the complaints on this site are from employees that worked or work on the retail side of the company. I now work for the investment management group in the private bank. It is a department that only manages high net worth individuals and companies. Those are really who Chase caters to anyway. However, because of our high profit, the employees are given many incentives and bonuses that beat anything I ever saw in retail banking. I am not happy with every aspect of Chase but in this department, the managers are generous and treat you with much more respect than I ever recieved as a teller! The retail bank (tellers, serviceline, online, ccoc,etc.) make their spending budget by selling loans, CD's, new accounts and things like that. That is why the managers only care about selling, and neglect the employees needs or wants. When I worked in the branch, I hated Chase! Now, I have more days off and benefits than most of my friends and family.

As a customer, I would never in my life bank at Chase if I wasn't an employee. The prices are outrageous! I think Chase wants to eliminate the middle class people and only have customers that are ranked in the upper or high class division (rich people)!

I love this site! I am in agreement to most of the employee posts here, after being with Chase for 3 years I have seen a lot happen. I "migrated" from TCB/Chase Texas to New York recently - on my own accord. HR didn't even give me a cost of living increase! Plus on top of that, they almost didn't give me my increase at all - I noticed it on my paycheck. They said "they didn't know I was going to get one". Hello! Could you work in NY on a meager Texas salary? They started me at the bottom of the scale, just like a new-hire.

I am currently looking for another job, but I love New York!

I am a former Chase employee. I worked there for less than a year, as I coudln't take it anymore. They were paying less than a horses ass & hiring others at thousands more.

Being responsible for everything under the sun, with absolutely no recognition. The supervisors would either be in meetings laughing their ass off or talking about everyday adventures. Absolutely NO WORK was done by them. They did scold & scream & hollor and threaten & put you down in fron of your other co-workers though, Hey doesn't that count for something. They are a bunch of idiots in suits. That just about raps it up. No customer service skills,no degress,no respect for employees & even in some situations no respect for themselves. A bunch of fat slobs sitting on their fanny accumulating all the incentive money the representatives who bust a-- should get. But you know - I'm gone & a hell of alot happier without those airheads.

So if you think your job is bad honey, be damned happy you're not there!!!!!!

I am a Chase Employee. I was with Chemical Bank pre-merger.

Chase is selectively moving jobs outside New York City. We are making millions, but management is just too GREEDY. GREED is winning OUT. I would put my money in a local S&L which has its roots in NYC.

Hundreds of my colleagues are scared of losing jobs and we hear nothing. While Senior Management is doing quite well through stock options, most employees are grateful to get raises between 3-4%. Chase throuhg its HR DEPT. states that its an employer of choice. This is utter nonsense. No noe cares, people get packages and many of my colleagues with 20 years plus experienced are frightened.

I am an employee of Chase and very upset about the way they are handling the layoff in serviceline, our department will be moving to Texas soon. The department heads are not telling the workers anything. They are firing workers for stupid reasons. I guess you can say they are cleaning house. We are being treated very poorly. Human resources wants nothing to do with us. And there is a certain Human resource rep that is black balling me from posting to another department within Chase. I feel that you should be considered by your job performence not because the hr rep may not like you. All the service line reps are very angry at this point. They just want to know when to expect this move. we would like a date that really is not to much to ask. some of the reps have been there a long time. we just want to know where our lives will be at in the next few months.If there is anyone who may be reading this that may know something as far as a date when service line will be in Texas please post it.

Mike Moore we need your help!!!!

CHASE RIPPED ME OFF BIG TIME. ALTHOUGH I WORK FOR CHASE, THEY REFUSED TO REIMBURSE ME MY $3000 WHEN SOMEONE MADE AN ILLEGAL WITHDRAWL WITH MY ATM CARD. I WISH CHASE WOULD JUST BLOW UP ON Y2K!!!!

I am a former employee of Chase, in the Credit Card side of the business. I worked there for over 5 years, and recentley left, tired of getting the run around about what they were going to do better my career and salary. I can promise you that the problems at Chase run across the board. In my position I had a lot of interaction with other departments and other staff, including managment. What I heard in general was from almost everyone was a very dissatisfied group of people who felt mistreated, underpaid, and often hurt. Chase prides it self on trying to be the employer of Choice, they are not close to that by any means. In my years there I witnessed sexual harassment on many occassians, and not one of the suspects every lost their jobs, moreover usually the poor victim was the one out of a job. In one case, I was a witness at 18 years old, to an act of sexual harassment by a manager to an employee, I was told by this manager that if I said anything or even if he was caught somehow, that he would make sure I never worked for another bank the rest of my life. I can laugh at that now, because banks don't pay squat, and I won't ever work for one again. I have seen vice presidents accused of sexual harassment get consoled by HR, while the employee gets moved to another department. Chase also prides themselves with being a diverse company, with no racial issues. Again they FAIL!! They actually have quotas to meet, where a certain number of different ethnic groups must be employed in each department/division.

Here is an idea, hire the person best qualified for the job, not based on the color of their skin!! One last important note, Chase DOES NOT PAY anywhere near a fair market value. From customer service rep levels to management, Chase underpays their staff by a huge amount. Reps can make 2 to 4 dollars more an hour, other professionals and management can make 10,20,30+ thousand a year more at other companies. I got frustrated enough to shop the market a few months ago and fell out of my chair when I was receiving offers for twice my Chase salary, obviously I left Chase and I'm better off for it. For those who say if your not happy leave, let me tell you that there is a true fear running through the minds of those unhappy at Chase. Fear of what might happen to them if they tell HR of what they have seen or heard, with good reason. Or a fear that there is not a better opportunity out there, well it can't get any worse. Can it???

As an employee of the former Texas Commerce Bank and a current employee of Chase in Texas, I can tell you there is a definite difference in the attitude toward doing business the way we did it here in Texas and in New York. Chemical and then Chase (Chemical bought Chase) owned TCB for ten years, but only really imposed their management style and marketing in Texas last year. TCBers were team players and tried as a team to target quality customers while providing friendly service to all customers. Chase is an organization of individual businesses managed from New York that "silo" their customers and marketing strategies for each business, such as Credit Cards, Mortgages, Loans, Deposits, Trust, etc. The old Chase organiation is the bunch that has the credit cards and the other small customer stuff. Each "business" wants to make $$$ anyway it can and while doing it, they ignore team work and best practices between businesses. They really expect the New! York way of business will naturally work in Texas. In the NE, they don't have much competition, so they are arrogant about what they think works. Only in Texas can you get an installment loan using collateral other then CD's. In NY, they can't figure out how to do it, so they don't write the loans. Their business concept is "If you can't figure out how to do it, don't do it". In Texas we used to say, "If it's profitable, get the best people to do it, then do it".

Chase is a commercial, money center, investment bank, NOT a small business or retail bank. If you or your business do not have millions of dollars, they really don't have an interest in keeping your individual business or account. The Credit Card business makes money on volume, so even if everyone complaining on this site were multiplied ten fold, it wouldn't reduce their profits noticably. Check their rates on Mortgages and CDs, they are always the highest. You are an idiot if you are a small customer banking with Chase. All the PR about values and community service projects is just to keep the regulators off Chase's back. The small customer of Chase (or any any large bank) would do better at a Credit Union or Savings & Loan. On the flip side, if you are a large organization with money to spend for fees, come on in. Chase is at the top of its form with the big money and they make lots of it this way.

The Chase way of doing retail business coupled with a New York attutude is a deadly, customer killing combination. When the competition in the Southwest makes a joke of Chase's "Get accounts any way you can" theory, then maybe some of that TCB way of keeping good customers will return. Blame bad service on stupid policy and arrogant New York attitudes.

I am a former Chase employee. I worked there for less than a year,as I couldn't take it anymore. They were paying less than a horses a-- & hiring others at thousands more. Being responsible for everything under the sun, with absolutely no recognition.

The supervisors would either be in meetings laughing their ass off or talking about everyday adventures. Absolutely NO WORK was done by them. They did scold & scream & holler and threaten & put you down in front of your other co-workers though. Hey doesn't that count for something. They are a bunch of idiots in suits. That just about wraps it up. No customer service skills,no degress,no respect for employees & even in some situations no respect for themselves. A bunch of fat slobs sitting on their fanny accumulating all the incentive money the representatives who bust a-- should get. But you know-I'm gone & a hell of alot happier without those airheads.

So if you think your job is bad honey, be damned happy you're not there!!!!!!

As a former employee who was 'RIF'ed in 1993, I love this website. RIF - reduction in force.

What a joke - they got rid of people with health claims and family problems and those approaching pension age. I was so upset, I closed my Chase account and went to Chemical and now guess what - Chemical is Chase. YUCK.

Thank you - I was looking for a Chase website to find out about jobs there - NEVER AGAIN.

I agree- Chase Manhattan Bank Sucks- I was a long term employee (19+ years) and was downsized. Our organization (former Chemical) was teriffic.

Chase can shove their visions and values up their _____!

Ok, well here is the deal.

I currently work at Chase Texas in their IT department. Things when I started were great (of course it was TCB back then). Then our merger happened and NY decided that they hold all of the cards and that they have a better way of doing things. Well all I have to say to that is B.S.

To all of you consumers out there let me just tell you what happened here in the last 7 months. We start back last year when after the merger Chase NY came out with their "MARKET READY" plan. This included a plan to move the Texas mainframe and NCC to New Jersey (Somerset). Their justification to this was that NJ could handle the operation better and also would have a better disaster recovery site. Truth be known this was an attempt by the suits to justify a large new building in NJ that they went over budget in building. Also, the main mainframe is in NY.

Now how is it better disaster recovery if you keep both your eggs in the same basket? (Just across ! the river?). Well they announced this and of course it was a mass exit of numbers of workers in their programming department (good for business right?) Part two of their plan was to move the Houston branch of the Network Control Center to NJ. This would allow NY more control over the networks in Houston by keeping a small number of (disgruntled) employees in Houston to be what they call a "Field Services" group. Well this is a bright idea. Every time there is a network issue in Texas it first has to be funneled into New York or NJ to be looked at by a bunch of underpaid and from what we hear surely over worked people in NJ. Then when they cant figure it out, and a few thousand dollars in losed profit later, they send it down to where the for mentioned Field Services group already knows what is wrong and has it fixed. I can tell you that this has cost our customers (both internally and externally) greatly. Now I read the post from the lady in Service Line, and I do understand ! her frustration. However it is not our execs that are doing this. The punches are coming from up there.

Unfortunately this is the only medium right now where Chase employees can post our discomfort and disapproval to what is happening.

I encourage each employee to post here and also for the Webmaster of this site to forward each and every comment to Chase's HR. This is the only way that we can make sure that we can keep our jobs while speaking with our own voice. This all can be changed. However it never will be unless we actually raise our voice. Even if it has to be done in secret. People, if you want to help please do. Help stop the changed and lower the interest rates here at Chase. Thank you for all of your time and for lending your ear. CrashDeBug

I work in Service Line and I feel sorry for all those people who are unhappy with service received from us. However, we work pretty darn hard to do our job with absolutely little or no support from management - whoever they are these days - because they are off doing their own thing or trying to figure out what they are going to do after Jericho moves to Texas.

I have a sense about a work ethic and I try to do my best, however, I don't always receive the guidance and support that I need to assist all my customers. Maybe the executive in Texas should take a look at what really is going on in New York and stop trying to get everything in HER neck of the woods. Think about the people she is displacing because of her own wants and wishes.

I worked for Chase Manhattan Mortgage as a Mortgage Consultant. Here are a few reasons I quit: Chase is so cheap, they pay $20,000 to start as an MC with the promise of high incentive bonus based on the volume in mortgages we originate, but with the market as slow as it is (actually, with Chase's rates as uncompetetive as they are), we're making almost nothing in bonuses. I took a PAY CUT to go from the collections unit (another fiasco itself, as you might know or imagine) to mortgage consulting based on this promise! No, there are no guarantees that the market won't change, but at least we could TRY to remain competitive. Another reason I left is that our incentive is now affected by customer service scores. Is that a bad idea? Doesn't it seem fair that we are in some way held accountable for our customers' satisfaction? There are two problems with that. First, a couple weeks after closing, the customer is sent a survey card to fill out, asking them to rate each Chase representative they had to deal with...the Mortgage Consultant (took the application), the Home Loan Analyst (processed the paperwork, ordered title work, etc.) and the Closer. A customer with a bad overall experience will, I imagine, very often rate everyone poorly, so that the less than acceptable performance of one of the employee affects the scores - and the bonus - of another! Here's the kicker. The rating system on that survey that the customer is sent is as follows.

Superior.
Excellent.
Good.
Fair. Poor.

(Superior may not be the top - It just seems that there was something above excellent and I can't quite remember exactly what it's called - but that's not the point) If the employee is rated Poor or Fair, it's counted against him on bonus and employee evaluation (which affects the year end bonus). If the employee is rated Superior or Excellent, it's favorable (the employee get get up to 125% [or maybe more, I think] of the bonus he would have gotten). IF THE EMPLOYEE IS RATED GOOD, IT DOESN'T COUNT AGAINST HIM ON THE EMPLOYEE EVALUATION, BUT IT DOES COUNT AGAINST HIS BONUS! (Chase doesn't want to just be "good." Somebody at chase needs to get a dictionary to find out just what "good" means. Or, at least tell the customer what they THINK good means, because the two may have very different ideas, and the mortgage consultant will very often suffer financially for it). Just before i left, I found out (as it was pointed out by our team leader in a meeting) that over the next quarter, one of our best mortgage consultants will get 75% of the bonus he'd normally recieve because he got six Excellents and two Goods!!! I got over 100% of my bonus because the TWO surveys I got back were Excellent. If I were this guy, I would have been infurated almost to the point of quitting on the spot. But management has a way of making even the most egregious offenses seem fair. Maybe to some suckers, but not to me.

Adios, Chase!

Reading through the comments, I find one consistent theme: Poor management, low pay, and job migrations.

As a former employee(in management), I have to agree with most of the comments.

Poor management and low pay were evident from the beginning of my former career there. I accepted that. The one thing I found hardest to accept was the migration. I was very lucky. I transferred to the west just prior to the migrations. Promotions came too quickly. I saw myself and others handling jobs we were not qualified to be doing. I felt so sorry for the employees who were left back east who were much more qualified to assist the customer. What has driven the migration: Money. Wages are suppressed (about $2/hr less per employee), utilities are much lower(electricity, telephones, etc), and building/maintenance cost are at a third of east coast costs.

Before I left, the going salary for the CEO was in excess of $6000 per hour. Upper management has a large stake in keeping cost down. Even if it is at the expense of the workers who actually represent Chase.

There are those who have benefitted from the migrations: Stock holders, mid to upper management, new hires(quick promotions+experience), and people seeking to take advantage of a lack of expertise.

I know that with each promotion I was given(about every 6 months), that was someone elses job back east. Please accept my apologies. And yes, Chase sucks.

I use to work for Chase and to let you all know, while you are writing to complain about service and charges or calling, they are having food days. This is almost every other day for the Newark, Delaware site.

If there is anything that the management is good at, it is having a food day to try to boost the morale of the employees. Great incentive. Who could ask for more. This is what Chase management has to offer their employees.

What ever happen to take care of the employees and they will take care of the customers?

I work in Service Line and I feel sorry for all those people who are unhappy with service received from us. However, we work pretty darn hard to do our job with absolutely little or no support from management - whoever they are these days - because they are off doing their own thing or trying to figure out what they are going to do after Jericho moves to Texas.

I have a sense about a work ethic and I try to do my best, however, I don't always receive the guidance and support that I need to assist all my customers. Maybe the executive in Texas should take a look at what really is going on in New York and stop trying to get everything in HER neck of the woods. Think about the people she is displacing because of her own wants and wishes.

Wow!! I am searching for a job, in HR actually, and I went in to look to see if Chase might have anything posted for a senior level HR position. Apparently they must have taken their site down over the July 4th weekend, maybe to do some maintenance or something. Anyway, I came across your site. Holy shit... I've never seen anything like this before. After reading the comments, I wouldn't go near that mother jumpin' place as a customer and I certainly wouldn't want to hitch my career to that chuckwagon (for the benefit of all of those folks formerly with the Texas Commerce Bank).

Good luck with this site, and your mission. Have you tried contacting 60 Minutes? Or Michael Moore?

For what it's worth, I've done some banking with a number of banks in NYC area, and by far the best has been North Fork Bank on Long Island. I got a home mortgage from them a few years back and they had the best rates by far, and extremely helpful, pleasant, delightful folks. They acted like they really wanted me as a customer, and worked extra hard to explain stuff (I was a first time home buyer), and were very accessible. They returned phone calls when they said they would, if they couldn't answer a question right away, everything was completed before the dates they gave me etc., and they continue to answer all my kind of loopy questions about escrow payments, remaining balance etc fully with no bouncing around to reps and supervisors.

This site is a really good example to me, of the potential power of the internet, to level the playing field between the big dogs and us little guys. Keep up the good work. And thanks for helping with my job search. I just crossed Chase off the list.

Worked for a Chase subsidiary in Dallas 1980-1983. My favorite story: I was paid through a checking account at "The Chase" in NYC (ever try to live in Dallas with a NY bank account?). I transferred that money to my local bank. My local bank called to advise that my Chase transfer had bounced. All employee checking was handled in one specific branch in New York -- if you were in that branch, you were a Chase employee. When I called to find out what was wrong, I was told they returned my check because they couldn't find my signature card. No call, no effort to contact me or make an effort because I was a Chase employee. The money's there, but we can't find a card - boom! return the check. Only time in my life I ever had a check returned. Made them pay the fees and write letters of apology though.

Second favorite: Among other things, I was responsible for the Human Resources function for our regional offices. When I called one February to ask why W2 forms had not been received by employees I was told they had not yet been mailed. I reminded the HR officer that W2s were supposed to be mailed by January 31. The response? "We don't care about that. We're The Chase."

I've been with Chase for about a year. In a nutshell, it has been an extremely stale, uncreative environment for me. The job they sold me and the job I have now are two totally different things. I am surrounded my incompetence at every level - a HUGE concern for anyone considering doing business or working for Chase! If you like bottom feeders and people who have no idea of what they are doing, then PLEASE, join CHASE - they want people like YOU.......

As a chase employee, Im shocked such a web site existed in the first place, ( i found this thru a magazine) Anyway, Im not surprised by the letters and comments posted. Unfortantly, this bank has too many credit card accounts and not enough staff to compensate. All of the chase businesses are like this. In return, we employees are rewarded with an excellent stock option plan due to all of your late charges and fees. So if you cant beat the bureaucracy, join the bureaucracy!!!

Yes. Chase sucks big time. I quit and if you wonder why your finances are screwed here are a few reasons:

People with degrees answer the phones. Non-degree people are the managers and hate the degreed people and do anything possible to give them a hard time. You suffer when you call, no help.

Managers don't know anything about management.

Job coaches don't speak to managers and are not accountable to them, and have no experience.

Quality managers run the job coaches, but don't talk to regular managers.

Section managers are out there and just tell jokes all day.

Only the phone reps do Chases bidding, and our Tech team hates computers, go figure.

Phone reps have to call on job coaches for assistance, job coaches hate the phone reps and don't help them, reps call on managers, managers tell the reps to call the job coaches, the job coaches say it's not their job to help the reps, the reps tell managers, managers tell the reps to call the job coaches and the circle goes on and on and on. And all of the coaches are arrogant, dumb, messy, and don't follow bank policy, rules or managers wishes.

It's strange how I stumbled accross this website. I was actually looking up Chase's webpage. I'm not surprise, though. Actually I think this site does justice for the little guy. It's time to take a good look at corporate America. All those complaints I've read are true. I've watched departments fall appart, people fall appart, and site moral destroyed. Chase has finally reach a level where the need to cutback money has cost them.

As an owner of Chase stock, it's nice to know that the company is conservative, but as unhappy as I am, It best to cash out the stock and run with the money.....because things get worse before they get better. This site is a symptom of things to come...

I'm a former employee of Chase Manhattan Bank's Cleveland, Ohio service center. My employment was terminated on April 27, 1998 on account of "excessive absenteeism". I've since contracted the services of a competent attorney and I'm suing Chase for violation of the Family and medical Leave Act ("FMLA"). I am still unemployed.

During February of 1998, (after 12 months of continuous service, I was diagnosed with a potentially serious health condition that required on going medical visits to my doctor. All necessary (FMLA) permission was secured from Chase Medical prior to any leave. Several months later, after granting the leave, Chase concluded that the absences were not on account of a serious health condition. I received notice of the alleged "deficiency" on the 15th of April 1998, while assembling the supplementary materials, was terminated on April 27, 1998.

Chase's strategy is to ignore my claim. Chase's reasoning is that it would cost me too much money to seek redress through the courts. I know that other former and current employees have been abused regarding attendece and FMLA. If we can get together and compare our cases, we may have a class action law suit.

Please feel free to contact me at my e-mail address.

I was an employee of Chemical Bank/Chase Manhattan Bank for 7 years and I have a lot of horror stories that I could share. But I will share with you the most shocking! I worked at the Chase Manhattan Bank located at 360 East 72nd Street in Manhattan. I was a victim of sexual harassment and wrongful termination. Three of the bank's high ranking officers repeatedly sexually harassed me and one of the high ranking officers repeatedly tried to get me to perform in one of his pornographic films. You see this high ranking officer was a x rated film performer and agent responsible for recruting people into the adult film industry. I complained to my managers about the sexual harassment and the solicitation by one of their officers to do porn and I was fired!

I am an ex-employee of Chase, worked there for 6 years in the creditcard service dept. I was wondering if anyone out there can recommend a good civil attorney. I want to file a wrongful termination and slander suit against Chase. I don't currently have a job (still looking) so I need an attorney who would except the case on a contigency basis.

I agree Chase sucks especially the higher ups in HR and management, they don't listen to anything that you have to say, and when you have proof that you provide to them to state you were wronged they ignore the evidence and accuse you of creating the proof. Chase only cares about what they want to care about and they let certain people get away with everything.

Like in my case 3 people were involved but only 1 was punished and released while the other 2 still work there and were not punished at all. THE RIGHT RELATIONSHIP IS EVERYTHING!!! WHAT A JOKE!! Chase allows supervisors to get away with sexually harassing the employees, and when the employee complains, the employee is accused while the supervisor gets away with it.

I am an employee of Chase and I agree with most of the complaints posted here. I have been with the bank -started with Chemical- for almost 8 years. During those years, I have seen the bank go from being focused on good customer service to now being focused on NOTHING but sales revenue. Not only has this caused our customer service scores to fall, but employee moral is at an all time low.

Unfortunately, for many of us, quitting is not an option. To the higher ups at Chase we are nothing but a number. They sit in their ivory towers, earning millions of dollars off the hard work of the employees. So....PLEASE...hit them where it hurts. Do not deal in any way, shape or form with Chase Manhattan bank. Go to the credit unions where you will be treated with the respect due you.

I've been with Chase for 4 years (hey Ann O). We all (present and former) try to do our best for the customers. But are hampered by the upper power structure's control of the purse string and brilliant ideas on money saving (lord save us all).

My main, among many, complaint is that top notch employees are constantly leaving due to pay and conditions. "I Can almost afford too work here". All this while Walter Shipley and company make more in a month than myself or any of my co-workers make working here our whole lives.

Can Uncle Walt be worth everything he's paid? Sure stock is booming. Now. But everyday more employees and customers are getting sick of "Where the right relationship is everything". Uh yeah, but would you at least use KY jelly.

Hope ya read this Walt and co.

I have a friend who works at Chase and he is routinely screwed out of earned bonuses because his superiors tell him that "Yes, you exceeded your goals but we can't measure them properly, so you are not alone, your counterparts are getting shorted as well". Fear is rampant about complaining about this to superiors or Human Resources.

Listen, I must agree with you on the fact that Chase does SUCK!!! They charge you for every little thing possible. BUT...I must say...you have to leave the little people that work there out of it. I should know!!

I work at one of the branches as a teller. DO NOT think the long lines are in any way because of us. The high level a--holes that run the branches are too cheap to hire more staff. They are on an endless mission to cutback costs which means...they'll overwork the three full timers they have, instead of hiring more tellers. Stupid rules like no balances at the teller window are made up and enforced by none other than the wonderful managers that sit on their fat a--es and don't do anything, but talk on the phone and go out for 2 hour lunches all day, everyday.

Speaking on behalf of the little people that get the most abuse at Chase...please direct your hatred, complaints, anger, curses, etc. at the people in charge. Thank you!!

I JUST WANTED TO DROP YOU A QUICK NOTE TO LET YOU KNOW , THAT AS A FORMER EMPLOYEE OF CHASE, I THINK YOUR SITE IS EXCELLENT.

I HAVE MANY HORROR STORIES I COULD TELL YOU, BUT THE REAL PURPOSE OF THIS MESSAGE IS TO ASK YOU A FAVOR.

DO YOU KNOW OF AN ATTORNEY IN THE NY AREA WHO HATES CHASE ENOUGH TO REPRESENT ME IN A WRONGFUL TERMINATION SUIT AGAINST THEM? I HAVE VERY LITTLE CASH TO WORK WITH (UNDER $1000) FOR AN UP-FRONT RETAINER..... ALL THE ATTORNEYS I HAVE BEEN TALKING TO WANT A LOT MORE MONEY.

THE SUIT IS NOT ABOUT ME GETTING MONEY, ITS ABOUT ME PROVING MY SIDE AND SHOWING CHASE'S TRUE COLORS IN A PUBLIC FORUM.

I'm a chase employee. I must admit Chase does suck. Chase sucks big donkey ---. I remember when we were called Texas Commerce Bank. No real problems. No aggravations. Every problem was easy to fix. Then comes the merger. Big mistake. I didn't mind the merger so much, it was that we had to change to the Chase systems, with Chase attitudes, and comply with the Chase culture. Thats when the $h!T hit the fan. More complaints, more bureaucracy, more headaches. We even got some of dem New Yorkers to come down to good old H-town to serve as new managers and officers. I hate them. They act like they're doing us Texas employees a favor and treat us like we've been raised in a barn. I hate their whole freaking attitude. They've jeopardized the good old Southern Texas hospitality that our customers were acclamated to.

This is what I found out about the Chase New York employees, they ain't edumacated one bit. It's funny, all they showed me is how to be abrasive with customers that complain and how to deal with them. When we were Texas Commerce Bank I didn't have to be abrasive because we didn't have to deal with so many complaints. One more year til I get my Finance degree and i'm out of this institution. heres one simple equation: x=suck therefore xsquared=chase.

Chase. Where the right relationship is everything! (My a--!!)

I AM AN EMPLOYEE OF CHASE. CREDIT CARD CUST SERVICE.

YES THERE ARE PROBLEMS, BUT THIS IS SO WITH ALL BANKING INSTITUTIONS. FOR ALL THE PEOPLE WHO COMPLAIN ABOUT LATE FEES, OVER LIMIT FEES, YOU MAY WANT TO LOOK AT ALL CREDIT CARDS AND YOU WILL SEE THEY ARE ALL THE SAME.MOST TERMS WORSE THAN CHASE. AN EXAMPLE: PAY YOUR PAYMENT LATE ONCE AND YOUR NICE 3.9 INT RATE WILL GO UP TO ABOUT 14%, WHICH IS THE AVERAGE. PAY LATE TWICE, YOUR AT ABOUT 22%. CHASE GIVES YOU 2 TIMES IN 6 MNTHS TO BE LATE. IVE NEVER BEEN LATE ON ANYTHING IN MY LIFE, AND I MAKE 9$ AN HOUR. ITS VERY SIMPLE:PAY ON TIME, DONT SPEND MORE THAN YOU HAVE. IF YOU CANT DO THIS, YOU DONT NEED A CREDIT CARD ANYWAYS. READ YOUR AGREEMENTS. I HAVE HAD SEVERAL CARDS, AND THEY ARE ALL THE SAME. LIKE I SAID:BE AN ADULT..FINANCE YOUR MONEY. DONT TAKE A CASH ADVANCE, PAY YOUR BILL WITH THE MONEY YOU TAKE OUT THEN BITCH ABOUT THE FEES AND INTEREST.DONT ROB PETER TO PAY PAUL.

IM SURE THERE ARE LEGIT COMPLAINTS HERE. BUT AFTER READING MOST OF THEM, THESE ARE CASES OF IRRESPONSIBLE PEOPLE NOT MANAGING THERE TIME AND MONEY. YOU GET A BILL WITH 25 DAYS TO PAY IT. YOU CAN CHANGE YOUR DUE DATE. DONT MAKE EXCUSES FOR YOUR ERRORS. STOP LOOKING AT BANKS, NOT JUST CHASE, AND START LOOKING AT YOURSELF. GREAT SITE!!!!!

My wife has been a Chase Employee for 9 months. She started on after being promised certain lunch times and certain work hours. They constantly preach Chase values which happen to stand for not only exemplary service to the customer but mutual employee respect.

All of it turned out to be a big fat lie. The supervisors are lazy will do only the minimum they can get away with doing.

They have a problem filling customer service positions not only because their employee relations are terrible, but because they don't give a damn about the customer.

From someonee on the inside that knows: A.R.

I work at the Arizona office and even though the company treats the customer decently, their credit card customer service is lacking. 1 out of 50 times the computer doesn't read a change of address. And in my case they didn't have the credit card I wanted. I know I am particular about the type of credit card I want. I called the customer service people up, and requested a card with the maginfaction lens they were promoting, 3 different times. 3 different times they sent me a form for a photo id. So in my biased opinion, Chase a great company to work for, bad company to have a credit card with.

I worked in Chase's Inquiry Control Department for a little less than a year, having the same position and duties the entire time. In my short time at Chase, I went through two company reorganizations, worked in three differen t divisions, and had three different supervisors. Just after I left, Chase reorganized my department again, laying off half the employees.

This kind of frenetic activity is common throughout the company. Is it any wonder Chase is so inefficient and disorganized? In fact, most employees in Inquiry Control emphatically advise their family and friends to bank elswhere.

I love the website very much. I worked for Chase for almost four years, and I agree that the bank does suck.

I worked in Customer Service(credit card), and learned alot about the banking business while I was there. Most importantly, I learned that this bank is very incompetent at everything. I remember during the merger with Chemical customers were calling in an d asking about the merger, and we asked management about it, and they told us to have them call back later. That was a great answer to tell customers.

Customer Service is the most slave oriented department in the bank. The reps are treated like dirt, and paid very little. Promotions are a joke in that company because only the chosen are given the opportunity to advance in that company.

Also, during the merger I remember that the Inquiries Department where all letters are sent to for all issues - lost most of the letters that customers sent in. Visa and Mastercard have time limits that customers need to adhere to for disputes, and these time limits were missed greatly because of the ineptness of Chase personnel in the inquiries dpt.

Payments were lost on a regular basis, or posted to the wrong account. I remember during the merger that personnel in the payment center were working overtime six days a week to correct these problems.

The oppressive environment at Chase blows my mind. I have friends that still work there, and wonder why the remain there. I've moved on to better things, but feel sorry for those are still there.

Chase indeed is an oppressive place to work. The managers are tyrannical in my branch, and I hate my job. Keep this site going - no matter what they try to pay you. I've told everyone at work, and they're having a blast with th e website.

I worked for Chase for 10 years. After they merged with Chemical the service became worse because they cut down staff and the workload quadrupled. Their only concern is selling -selling -selling......not service. Their techniques to accomplish this w as to brainwash their employees to the point of giving each one revenue goals that must be met on a quarterly basis. All my colleaques are burnt out and couldn't care less about customer satisfaction.

Those of you who have experienced bad customer service should close your accounts and find a bank that cares ..... THEY STILL EXIST

As a former Chase employee, i will have you know that a large "Chase Sucks" campaign went on during our down sizing. We had a great time with it. Love the site

I worked for chase for almost 5 yrs. started at the bottom and worked my way up. Proved myself all the way. One day, because of something someone said I supposedly had said - I was branded and placed on a final warning and asked what had happened to change me overnight.

I was not allowed to exonerate myself, but was forced to work as if nothing had happened and put up with the person who started the "complaint" as if nothing had happened.

I was constantly living in f ear that this person would say something else and I would be fired. Well, I became so ill I went on leave of absence and then changed jobs.

I am much happier now, but I still have alot of suppressed anger towards chase.

I thought maybe voicing som e of my anger would help me start dealing with it.

As an employee I see what really goes on from the inside. My Dept. is "migrating" to Houston. Needless to say they keep the rest of us who are not "migrating" in the dark as to exactly what is happening. We are supposed t o be "merged " with another Dept.- and it's called a similar job-HA!

A brain dead monkey could do the job of serviceline at least it takes a little technical knowledge to work for the online banking Dept - PLEASE! Don't get me started - I know it sucks .

So if you think it's bad being a customer then just imagine working here. And Chase was rated as within the top 50 Co.'s to work for as far as employees - What a load of ****. Maybe only those people that make over $200,000 were polled.

Cause I can tell you as a job it really really ... etc SUCKS

It is a great site for those disapointed customers that banking with Chase. Actrually I am an employer in HK Chase which is doing customer services job. By visiting this site, I think I can have more cases to study to improv e my service level. So everyone who disappointed, keep complaint.

CHASE BANK ISN'T THE GREATEST BANK IN THE WORLD BUT SPEAKING FROM AN EMPLOYEE, SIDE OF CHASE I THINK THE BANK IS OK I WORK ON SERVICELINE, AND IT'S VERY HARD DEALING WITH ALL TYPES OF CUSTOMERS AND HAVING 160 CALLS WAITING T O BE ANSWERED WE TRY VERY HARD TO HELP EACH AND EVERY CUSTOMER THE BEST WE CAN SO I'M SORRY FOR ALL THOSE THAT HAVE HAD A BAD EXPERINCE WITH CHASE, BUT KEEP IN MINE THERE ARE VERY GOOD CUSTOMER SERVICE REPS OUT THERE THAT GO THE EXTRA MILE FOR THE CUSTOME R. SPEAKING OF MY SELF AND OTHER CHASE REPS OUT THERE WHO WORK VERY HARD.

As an employee of Chase, I have a biased opinion. This forum however allows me to express that opinion. Out of the millions of customers that Chase has, there is only a sampling of the unhappy customers listed in this gue stbook. I assure you there are more. However, for every one unhappy customer there are 100 more happy ones.

Don't let the mistakes of one arrogant teller/customer service rep./bank official, ruin your ideas about Chase. We have all experienced bad customer service at one time or another, yet we forget all the wonderful customer service we had in the past. Please remember, that one bad apple, don't spoil the bushell. You have a right to complain, so do so. I have dealt with several customer servi ce firms, all claiming to outstanding in customer service, but there is always one person that maked it fall short of it's goal to provide the best. It is an odd world today, remember that. I work in the online banking dept and always treat my customers with respect, even if I feel that they are not treating me the same way. Also, remember it is a two way street, to get respect, you must give respect. Next time you have a bad customer service experience, ask yourself, "How did I hande the situation?" "Did I provoke it?" We all have bad days, and tend to take it out on the little guy, the person that we know we will never see again. This gives us the power that we feel we lack. The control that we would like to have over ourselves and our situations . I assure you, if you ever get me, I would understand your frustration. I have been there myself at times.

Thank you for allowing me to add this. Anyone may email me, I will welcome and respond to all. Eddie Murphy (My real name)

Mortgage Horror Stories

Below are some of the comments posted since the website's inception in June 1998.
Prepare to be shocked.

If you'd like to post a comment, go Here

Chase Bank Sucks HOME

I refinanced my home through Crossland Mortgage with a rate of 6 5/8 15-year, loan amount of $208,000. My house was appraised at $247,000 which meant that I would have a 82% loan/value; so, I'd have PMI.

No sweat. In around 4 months, I'll pay down the principal and be at 80% loan/value to get rid of the PMI and Crossland Mortgage verified they would allow PMI to be dropped at that time.

Then, I get "sold" to Chase Manhattan. And guess what!? You HAVE to be with Chase making payments minimally for 24 months before you can EVEN HAVE THE PMI REMOVED!! And to make matters worse, Chase Manhattan had a class action suit of improprieties with regards to the PMI (1-888-285-3609 for info.).

As a result of the settlement for all loans made AFTER July 1, 1999; if you are paying PMI and you are at or below 80% loan to value, YOU DON'T NEED TO HAVE 24 MONTHS OF PAYMENTS to have the PMI dropped!!!

So when I called them after the class action settlement, they said I don't qualify.

I didn't even get my loan with you Bozos in the first place!! Then you tell me I have to pay PMI for a FULL 24 calendar months!! You get sued for this VERY THING, and you idiots STILL WANT 24 MONTHS from me of payment history??!!??

AMAZING!!!

We've owned our new home for just over a year now. When we initially bought this home, We used a local mortgage company. But after just one payment, they sold the mortgage to Chase. I've been paying the price ever since.

Recently, our local school taxes were due. Chase paid them out of our escrow. However, our school taxes only equated to $1271.00 which Chase actually paid, but Chase sent us a letter saying that the taxes were actually over $3300.00!!!! And that we were now $2000 in debt to them! Our payments were subsequently raised over $400.00 a month to compensate for THEIR ignorance. We've spent a couple of weeks on the phone with them and waiting for their "investigation" to end and our payments to return to normal. So far we have received NO phone calls, NO admittance that they made an error, and NO apology.

Wouldn't you think that in a "customer oriented" world like this that Chase would wilt and die? I'd like to quote from a letter that someone wrote about America West when they started "screwing" their passengers in a similiar manner:

"Dear Village Idiot,

May your airline go belly up as soon as possible so a more qualified group can assume your routes."

ARGH!!!!!!!!!!!!

Regarding Chase Manhattan Residential Mortgage Corporation:

They paid the taxes on another house with a vaguely similar address (but much higher tax rate)and sent me a new payment book with my monthly amount roughly doubled to make up for the mysterious increase in tax payments. After the problem was identified, they promised to fix it, but never did, despite repeated calls from myself. Letters went unanswered.

Next thing I know, the tax people in my town are telling me that my taxes haven't been paid and my property is delinquent. After that, Chase labels my account as past due and begins to assess late fees and threaten foreclosure. I call Chase and am automatically routed to collection people who do nothing but scream abusively at me to pay my bill.

Virtually no attorney will touch the case because they all want to keep getting business from a large financial corporation. Out of desperation, I finally contact the New York Banking Commission. Over the course of months, Chase - very, very grudgingly - corrects most of their errors. They never stop being nasty, and begin to imply that they might sue me anytime I refuse to accept their initial offer.

This process took approximately four years to complete. I eventually was forced to default on the property for a number of reasons, some of which were unrelated to Chase. At this point, I discovered that they actually WANT you to default on FHA insured properties, apparently because they make out rather well, or so my realtor claims. In any case, it was the first time they were actually very pleasant and cheerful on the phone. Go figure.

I HAD MY HOUSE MORTGAGE THROUGH CHASE IN 1996. IN THE BEGINING WHEN I WOULD SEND A PAYMENT TWO WEEKS BEFORE THE DUE DATE THEY WOULD NOT APPLY IT TO MY LOAN UNTIL AT LEAST A WEEK AFTER IT WAS DUE.

CAUSING ME A LOT OF LATE FEES WHICH THEY DEMANDED TO BE PAID IN FULL IN A LUMP SUM A YEAR LATER. I HAD TO PAY IT TO KEEP MY HOME. NOW, THEIR RECENT SCAM, "THEY NEVER RECIEVED MY PAYMENT!" I EVEN HAVE WIRED THE MONEY TO THEM, BUT THEY NEVER SEE IT...I HAVE FOUGHT AND ARGUED WITH THEM, IT DOES NO GOOD. IN THE LAST TWO MONTHS I HAVE SENT THEM $800.00. MY PAYMENTS ARE ONLY $196.93 A MONTH. I AM A SINGLE PARENT WITH 2 CHILDREN WORKING FOR MINIMUM WAGE AND TRYING TO GET MYSELF THROUGH COLLEGE. THE MONEY THAT THEY ARE TAKING FROM ME AND PUTTING IN THEIR GREEDY POCKETS I COULD REALLY USE. THEY DO NOT CARE...THEY HAVE RUINED MY CREDIT AND I AM AFRAID I WILL NOT BE ABLE TO GET A GOOD JOB WHEN I GET OUT OF SCHOOL. WHO IS GOING TO HIRE AN ACCOUNTANT WITH BAD CREDIT??? DON'T LET CHASE RUIN YOUR LIFE. GET YOUR LOAN ELSEWHERE!!!!!!

Chase Manhattan is the absolute worst mortgage company. Chase misapplied my monthly payment into some one elses account. A year later I discovered they were reporting all my payments one month late due to their error. After spending several hours, several days in a row, on hold in their voice mail jail ..........finally getting to deal with one of their arrogant employees who thought I was just another scum bag with credit problems, I had just about enough.

I sent them copies of all my check stubs that they had cashed and I insisted on a letter from them taking responsibility for the mistakes they had made. It took over two years to finally clear my credit from their mistake. They never took responsibilty for their actions and caused a major problem in my credit simply for lack of caring.

I have since refinanced at a local institution due to the fact that they don't sell the mortgages they write, therefore I won't end up back with the absolute worst mortgage company in the world.........Chase Manhattan Mortgage Company....The bank with no conscience!!!!!!!!! All other banks SUCK less than CHASE!!! DO NOT DO BUSINESS WITH THIS BANK!!!!! You WILL reget it.

In an attempt to start a bi-weekly mortgage, I recently started sending in 2 payments per month with my total payments equaling my required monthly payment of $660.25. After receiving a dunning letter and an automated phonecall, I called them back. During a subsequent terse conversation with a very rude young woman, I learned that I'm not allowed to make partial payments and that if I continued to do so, they wouldn't be accepted. I was also told that if I wanted to make two payments per month, I would need to contract with an outside provider who would charge me for the service.

Needless to say, the first thing I did was to check my loan documents which confirmed what I had been told. However, the documents did also say that I had the right to prepay the loan and that I needed to write "PREPAYMENT" on the check if I was to do so going forward in order to have the payment receive the right treatment.

This won't really accomplish what I had originally intended because I wanted to shorten the life of the loan (by speeding up the payments) without increasing my monthly cash outflows. However, I am now so exasperated with Chase that I am going to start making small weekly prepayments which will increase their cost of servicing my account and shorten its average life, thereby reducing Chase's rate of return.

Chase should really think about accepting two payments per month. In fact, I would be lot more likely to switch to a direct-debit setup if I were to have that option.

I guess Chase really does suck!

While I have had several problems with customer service at various companies over the years, none compares to the sheer incompetence of Chase. I took out a 20 year mortgage with Chase last year. Since then, Chase has been invoicing me for an amount greater than that provided for in my promissory note. When I first brought this error to their attention (in December), I was informed that their computer system said that my loan term was for 15 years.

I have written three detailed letters and called Chase on over 25 occasions over the past 4 months, and they still have not corrected this error. Their representatives are unhelpful, untruthful, and totally incompetent. I must conclude that each of their representatives is trained to lie to customers. Even though I continued to pay the overcharged amount, I have been receiving collection notices and phone calls in clear violation of the Fair Debt Collection Practices Act.

We had a mortgage with Chemical that was taken over by Chase after the merger. We notified them when we moved. We even received a mortgage statement from them for tax purposes.

Yet, when our electronic debits were misposted, Chase mailed the demands for payment to our old address. They never contacted us by phone (eventhough they certainly had the number) until they were threatening to begin foreclosure proceedings. There was all of $4,000 due on the mortgage. The man who called could only be described as a thug.

Way to go Chase!

Have documented proof -- at least a year's worth -- of how Chase Manhattan is charging late fees on mortgage payments when they are not late.

I have had to deliver many mortgage payments via Fedex to establish date of delivery, and many times they tried to charge late fee.

I had to prove every instance where they were not late.

Anyone having a class action, I will be glad to add my name to the list.

Chase Manhattan Mortgage incorrectly computed our escrow for our real estate taxes and then tried to blame the bank that originated our mortgage loan. Unfortunately for them, I was a loan officer for that bank at the time of our loan and knew they were lying to me.

I let them lie for about ½ hour on the phone before I told them I was a loan officer and knew what they were telling me was not possible. The silence was deafening. I'm glad to see this site-maybe they will get the hint!

P.S. The bank I used to work for will no longer sell their mortgages to Chase since they screwed so many up!

How would you like to have a 30 year mortgage taken over by those clowns? I`m hoping it`s possible to piss them off enough for them sell my mortgage to sombody else!!!!!

They hound me w/ phone calls & letters when I`m 2 days late paying (I`m convinced they mail out those notices at 6:00AM of the due date) Then, when they receive their payment, they invariably take up to 2 months to cash/deposit your check.

Furthermore, their "Loan Counselors" either speak in broken English, (the nicer ones) or offer Gestapo-esque payment ultimatums called alternatives.

Well, the tradition of sucky service continues with Chase Home Loans. Once you get put on autopay (automatic deduction from checking account)you no longer receive statements regarding your account.

AND because they sort of misrepresented how the loan payoff would work, if I continue to do the autopay thing for the term of my loan, I will have a balance due of 50% of the original loan.

I have called and called trying to get statements, tried to change my monthly autopay amount, etc., etc. to no avail.

It is quite obvious that they just want me to keep paying the minimum payment. This means MUCH more money for them. DON"T USE CHASE HOME LOANS!!

A few years ago before Chase took over Chemical Bank, Chemical was involved in a class action lawsuit regarding escrow account balances. I believe the result of the lawsuit was that Chemical would wave application fees for plaintiffs who applied for a new mortgage or wanted to remortgage.

Does this sound familiar? Not thinking that I would ever collect on it I threw away the letter I received regarding the lawsuit and the verdict. Now that Chase has my mortgage and I am in the process of remortgaging I need this info and of course Chase cannot help me. If you or any of the visitors to your website can remember this lawsuit I would sure appreciate the info.

Maybe then can I get Chase to actually do the right thing and y attempt to see if they could possibly save me a few dollars. God forbid they do that since they have already collected over twenty thousand in interest from me.

No one at Chase seems willing to take the initiative to try and research this for me. I must say I love your website. After dealing with Chase Loan officers it was a great stress reliever to click on to your website and see that I was not alone in Chase Manhattan Hell.

By the way I posted a message and boy did it feel good. Thanks for listening and I appreciate any help you can provide. Thanks again and keep up the good work!

The following story is summarized, and I came to understand what had happened after several months of hours on the phone with very resistant and condescending staff. I have my mortgage with chase, they sent a check by "mistake" to pay for my windstorm protection in January of '96, my check by the way was there too, a couple of days earlier, the windstorm people decided to send my check back, I never realized what had happened until chase began to charge me for it. I thought, and I am sure chase did too, that my flood insurance was included in that windstorm protection, in error. In April chase sent a letter asking re my flood insurance. I ignored it because they had sent me similar meaningless letters in the past. And in my mind, I had paid for it. I have one in my hand right now, even though all my insurance's are paid. In May '96 chase placed an "enforced" flood insurance coverage, the flood insurance usually costs me about $800 for the year, chase charges about $3,000.

In June of '96 my flood insurance coverage started again. Chase corrected their records and "only" billed me for half of the year for approx. $1,300. I know three things: First, they made the same mistake I made and thought that my flood insurance was covered with that check sent to windstorm, second, if I would have had any losses during that period of January thru May because of flood damage, they would have not paid me a penny! Third, if I do the same thing in my job as they did I will end up in jail.

If I try to pay anything against the principal, they automatically pay the "escrow," even if I have a dispute with them about the fees they are charging me. In acceptance of the part of my mistake, I have agreed to pay them for the lapse of my insurance at their high fee level but they want to bill me retroactively. I have asked them to negotiate with me and let me pay for the months of April and May since that is when they realized their mistake and began to bill me. I have spent hours trying to get this dispute to an end without having to give them an extra $1,000 DLLs. to no avail. The consumer should pay for the coverage at the regular fee and not at that ridiculously exorbitant inflated fee.

I know a fourth thing: without any doubt, this maneuvering is designed not to protect the properties but rather for chase to make money out of the consumers pocket.

Chase Manhattan Mortgage Corporation are the most lying, cheating mortgage company in the world. They are bilking poor working people out of millions of dollars everyday.

Mortgages serviced by Source One(Chase, Chemical, etc.): Late charges after rejected payments. Overpayments rather than being credited to principal are either reduced or late penalty is added in the amount of the overpayment.

In foreclosures anonymous statements are used in violation of the Constitution and rules of evidence. Payment records may take up to 18 months. Allegedly they are available by phone or written request Code of Federal Regulations 24 CFR 203.58.

For about 8 months I had a Chase home equity account, which I've closed because of terrible experiences I had with them. I refinanced the entire loan amount as soon as I could when I realized that these guys don't have a clue. For example, once they lost a payment I sent (this is a long story but I'll make it short), and it took them almost a month to find my check, after numerous phone calls and faxes that I've sent them.

After wrestling with Chase for a while I decided to pay off the loan and refinance elsewhere. By then I had an automatic payment deduction set up, so I called ahead (don't ever take chances with Chase) to make sure that the automatic payment will stop after the payoff. After the loan was paid off, sure enough they kept deducting the monthly payment from my checking account.

When I called them back, they had *no* record of this deduction and referred me to their "research" department. After a month and a numerous phone calls from me they finally figured out what happened and sent me a refund check. To top it all off, their customer service representatives were very very rude.

These guys are just as bad as FirstUSA if not worse. -SY

As a mortgage customer of Chemical Bank (now Chase) for approximately 8 years obviously I have a lot of negative stories to relay. Although I have encountered a few very capable hard-working customer service reps in many, many calls to Chase, the odds are not good that you will not be hung up on or essentially blown off. Some of our more notable encounters include:

(1)Sending proof of flood insurance sometimes 10 times EVERY year and then having a pricey insurance policy force-placed on our escrow account (they get a cut of this false profit which surely helps their bottom line, albeit temporarily). Analysts are you listening?
(2) The result of prepayments (marked accordingly) sent along with the regular loan payment has been invariably a late payment notice, or an addition to escrow.
(3) Once we got a call at 8:30 on a Saturday morning, a human voice verified my husband's identity and then a computer told him we were late in payment. We weren't. It turned out to be a computer glitch. I don't remember an apology and received no response to my resultant correspondence. I have started sending all bills and correspondence certified mail-return receipt requested because in several other instances they have told me I was late in paying (I vehemently deny this and am working to prove it). It costs $2.66 and is not as pricey as any of the bill paying options Chase has given us. If the certified mail is returned undated (it has happened) the receiving post office is supposed to keep a record of the receipt.

P.S. I have decided to refinance with a nice, honest CREDIT UNION!!!

Chase really does suck. They lost 3 of my house payments and even though I had proof of delivery and proof of payment they put my wife and I through the forclosure process and lied to us.

They said they would not.

We even had in writing that it was their fault. Lawyer fees were over $7000.00 to save our home but our credit is now ruined.

There is alot more I could say about this nightmare.

Pc

Back in 97 we had a house mortgage with them. They claimed we did not make payments on a house we had a va loan on.

We hired an attorney to call them and see if they would take our payments and said we were in default but we were in default due to them sending our payments back!!!

We called them everyday and so did our attorney and finally one of the representives after three months said it was their fault and would call our attorney to straighten it out so we could have our home.

He never called and they put our house in forclosure, they did not even know they had done that so back to square one. We filed a banckruptcy to stop the sale and they did not show up for hearing either.

va said they did not care if it was illegal or not they were taking our house. Now we have bad credit and could not find a lawyer who would represent us. Even the first lady said it was a shame but these things happen wwhen va told them we don't pay house payments.

They refused our payments and we lost our home and are now broke. Be careful people because they don't care if your children cry or you lose everything.

Their business practices are illegal and were suid under chemical residential mortgage and that is when they took over.

Any one wanting to represent us , please feel free to e-mail

We have a mortgage with them. They have never sent us a statement on how much we have paid. I tried to call their service department. After entering the maze of automated voices, I end up having to leave a message. No one ever called back.

So I try again and again to get a real person. I think Hal 2000 is alive and well at Chase Manhattan Bank. This would be an ideal business school case study for poor customer service.

They are holding over $3200 from a mortgage that I paid off. Over the phone, their service people agree that I am owed this money, but they don't know how to send it to me. Imagine that. Chase doesn't know how to cut and mail a check. Meanwhile, they are making money on my money, - interest free.

Bottom line: If you place any money with Chase, then you are placing it at risk. E-mail me anytime for the details, which are even more troubling.

In June, 1998 we applied for a second mortgage to be used in a business venture. At the closing, the interest & closing fees were higher than they were supposed to be. We walked out of the closing with the understanding we would not be conducting business with this financial institution. One month later, we received a mortgage statement from Chase showing a payment due. Upon contacting their cust. svc. dept., we were informed that as far as they were concerned we had taken the mortgage with them. We received a second bill from them not only for the 2 months for a mortgage we never signed off on, but with penalties added.

I made my way up the Corporate Ladder with the reassurance that the situation had been taken care of only to find upon reapplying with a LOCAL BANK that Chase had put their false information on our credit report. Chase isn't willing to offer reasonable compensation for over 20 hours of telephone conversation and neglectful reporting. We are in the process of filing formal complaints with the appropriate governmental and credit report agencies. If we can save at least one person from going through the aggravation that we've gone through and cut into Chase Manhattan's purse strings that will be gratifying all in itself.

Chase Sucks!, They are jeopardizing my refinance and all their customer service representatives lie.

I am sending you this letter in writing to preserve my rights under the Fair Credit Reporting Act.

Chase Manhattan Mortgage Corportation, having received the full requested balance for payoff of XX,XXX.XX + 10.00 for title processing the amount requested for a due date of Thursday September 24, a full 5 business days, the due date was suggested by the Chase representative on the phone.

According to your computer you received this amount on the 25th of September, one day late, the post office suggests that it delivers first class mail in 1-3 days, and you failed to contact me.

I contacted you the following week, after your computer system at 1-800-762-6139 indicated a small balance of < $50.00. The representative of Chase redid the calculation based on the arrival of the money 1 day late and demanded the payment of an additional $4.51 of accrued interest.

I immediately forwarded the amount of $5.00 to cover any accrued interest on the remaining principle balance of 4.51 at 10% interest for the next year. This balance was recorded as received by your computer system on the 30th of september.

The next day a different represenative at you toll free number assured me that no payment was necessary, and the account would be marked paid off.

The balance on your computer system has continued to grow without limit and as of Oct 9 has reached 163.32.

On Oct 9 you will automatically deduct XXX.63 from my checking account, an amount for which you are not entitled. I expect the amount to be repaid with interest at at least 10% compunded annually for the period the money is absent from my checking account, calculated to the day that your return check is expected to clear.

Dear Supervisor Linda,

I am enclosing a copy of a fax, which I sent to your bank several weeks ago, and which I also mailed to you buy regular mail. This explains the history of my interactions with Chase before that point.

While your computerized system believes that my loan was paid off on October 10, I was given many assurances that the payment received on September 25th by Chase and whose checks had cleared was payment in full for the amount owed. I relayed on the word of the various chase Customer Service representatives at your toll free number.

Later, the representatives at that number stopped knowing anything about the case, and murmured about a research department that would be studying what had gone wrong.

Apparently my problems began when I used the US Postal Service to deliver to you $XX,XXX.67 + $10 recording fee. The Chase person on the phone said that the 24th Thursday was plenty of time for the mail to get to Chase. The US Postal Service according to Chase delivered the mail on th 25th, Friday. Therfore Chase demanded 1 extra day of interest when I called them on Monday the 28 the of september. The person on the phone said to not send the amount of $50 dollars that the computer voice indicated was the balance, (by the way that balance kept increasing by $11 a day till the automatic payment on October 9) Please send us $4.51.

I sent you a postal money order for $5.00 using Priority mail at a total cost of $8.78, in case interest accrued on the $4.51 balance, fooled me once, shame on you, fooled me twice shame on me.

This was too clever by half, no human is as powerful as the Chase computer, (I should have sent $100.00 by express mail and not belived Chase clerks, this would have forced the computer to push the balance to a negative value and solve my problems)

(Unfortunately Chase did not seem to actually apply the $XX,XXX.67 to my principle till October 9, since interest kept accruing.)

I called Chase the next day and asked if they could hurry the matter by having chase forgive the $4.51, the second person was much nicer and agreed, saying that Chase would apply the previously recieved amount one day early and close the account, no payment would be necessary.

I called the computer voice every day, and the balance kept going up. Ocassionally I braved the long wait to talk to a human, the last one I talked too said it was not clear if the account was paid off, and that it was a matter for the mysterious research department, I asked him about the automatic payment system, it was still active, in this way the automatic payment system pushed the balance strongly negative on October 9.

I believe that all the Customer Service people did nothing for my case and lied to me more or less the same way the Postal Employees that discard mail rather than deliver it, because it is easier to do nothing.

Based on my canceled checks, records the amount was definitely paid off on September 25 1998.

A thorough review of the account will find the errors that were made, and may point out what the problems are with your Customer Service or the mythical research department.

I believe that the date of the canceled checks will be positive proof that the error was entirely the fault of Chase, and any responsibility will fall to Chase.

CREDIT CARD HORROR STORIES

Below are some of the comments posted since the website's inception in June 1998.
Prepare to be shocked.

If you'd like to post a comment, go Here

Chase Bank Sucks HOME

Chase bought out our old credit card company, Consumers Edge. We were pleased with Consumers Edge and were regularily paying over the minimum payment on a 4,000 balance transfer at an intro. rate of 6.9% for 9 months with the mutual agreement that after 9 months the rate would increase to the A.P.R of 14.4%. THEN....Chase bought out Consumers Edge and our interest rate went up to 20.03% !! Their explaination was that we did not read the insert warning that they said came with the first Chase statement, and that they were just exercising their right to enforce the 'HARD NEGATIVE' ??

Everything about Chase is negative as far as we are concerned and we will not support their filthy habits anymore.

Close your high interest Chase credit card and join a credit union. The service is much better and the rates are always lower since you are a member/owner. I have two different credit union cards and both have interest rates around 12%.

I have never had a Chase card but after reading all the nightmares posted here I'm glad I never made the mistake of getting one.

My husband and I had a Chase Manhattan credit card. We had been good customers of the bank for many years. In the early 90's we were hit hard by the economic downturn in New England that has been called more of a depression than a recession. Unlike many of our counterparts we were able to work with our creditors and avoid bankruptcy. Chase stood apart from the crowd through the entire process.

They were insensitive and unwilling to work with us. We could understand clearly that this was a huge business that was only concerned with a very short-term bottom line and compassion and cooperation were not in their vocabulary. What was not easily understood was the illegal and underhanded tactics we suffered through. They frequently lost what payments we could send in and accused us of not keeping agreed upon payments. We went through the fax tactics described by other writers.

The first illegality was when they called me at work. I was the newly hired director of a day habilitation program for developmentally delayed adults. The fire alarm had gone off and I knew it was not a drill because I was the only person to be notified when that was the case. I was busy assisting staff with the evacuation of the non-ambulatory folks before finding the cause of the alarm when the phone rang. I grabbed it thinking it may be the fire dept or the President of our organization. You can imagine my horror when it was Chase dunning me! I indicated the situation I was in and stated that I could not talk to them now which brought on their typical insults. I then stated that it is against the law for them to call me at work and they best note it in my file, as any repeats would bring suit and I hung up. (I then found that the staff had burnt cookies on the lower level.)

For the next several years they called at home and were just plain rude. I soon took the position that I would just hang up on them. In the mean time we worked out our difficulties with all other creditors. My husband was not able to hang up on them and would engage with them, which I knew, as a behavioral psychologist was only encouraging them to keep calling. He tried every thing from reasoning to attempting payment arrangements to exasperating their insulting demeaning comments. They had long given up on asking for or talking to me. All his attempts were to no avail. He finally resorted to my approach and eventually the calls stopped.

Interestingly enough, five years later when applying for a loan after having explained the Chase matter on our credit report I was informed that there was a loan showing up the previous fall where in we had made no payments and were foreclosed on. I was appalled as we had been current on all payments for four years and had borrowed no money the previous fall. Guess Who?

I called the credit bureau to inquire as to the legality of renewing an old debt in light of the Fair Credit Act that said my credit had to be cleared in seven years. I indicated that I was asking a policy question and not for a ruling on my particular situation. The woman asked who had done this and when I told her she said this was not the first complaint and our credit report was cleared pending investigation. We have had no problems with our credit since, though we have continued to receive threatening calls. My wonderful husband could not resist a sneer about getting them off our credit report at which point they declared they could and would get that reinstated at a new date.

I have always wondered if it matters to anyone at Chase that ALL OF OUR OTHER CREDITORS WERE PAID IN FULL and they received not one red cent. I truly think not.

Have had a Chase bank credit card for 6 years and in my credit report they list me as R1 which means I pay my bills on time all the time. All the accounts on my credit report list me as R1.

Sometime around June 1st, Chase Bank sent me an undated unsigned letter stating that they would increase the interest rate on my credit card from 15.24% to 23.99% if I did not respond before June 7th, 1999. There was no reason given except for a form that listed about five possible reasons. When I recieved it, it was already to late to respond by June 7th but I responded anyway. They sent me a tough luck letter and raised my rates. The crazy thing is that I don't need their money.

I am the type of customer they should love to have. I have never missed a payment on anything in thirty years. Goodby Chase!! You won't last long treating customer like this.

Applied for a really low rate on a Visa a month ago. Haven't heard from Chase, figured something was wrong. The card was a Bell Atlantic card through Chase, called Bell Atlantic, have no record on my application for a card. I was told to call customer service at Chase, Chase said to call Bell Atlantic, Bell Atlantic said to call Chase. After this run around, Ms. Rabb of Chase said she couldn't take my application. I said you are the bank and the bank card company? Right? But she said they couldn't do it had to go through Bell Atlantic. As for a manager to call me back, they never did. I asked where my personal and finanical information went to and both companies didn't know and if I wanted a card to re-apply. So I did to see what happens next. By the way they wanted my other credit card numbers to transfer balances before they sent or approved their card. I was also told my credit line was X amount before approval. No wonder they SUCK.

BUYER BEWARE!

To make a long story short - way back in 1989 I obtained a Chase Visa Card with a $1000.00 limit. I used and paid my balance faithfully. In 1991/92 I encountered some personal financial difficulties and let my payments lapse. I made arrangements to pay off the debt for small payments every month ($20 I think) and paid back the entire balance.

Well, now as I am attempting to purchase a home I had my credit report run and lo and behold Chase has a delinquent account for this card in the amount of $1335. And notated next to it - WRITTEN OFF IN BANKRUPTCY. I never filed bankruptcy and called and faxed and called and fax them. Finally, someone called me back and said that this was clearly an error on Chases' part. They had a bankruptcy filing for someone else whose social security number was one digit different than mine (hard to believe) and they would correct the credit report immediately. Thought this was great and it was taken care of. GUESS WHAT?? They put me in for collection for the $1335 seven year old debt I paid. Now they want me to prove I paid it and supply them with cancelled checks. I told them you don't keep IRS records that long, why would I keep 7 year old cancelled checks. If I ever want to buy a house, I will have to pay these jerks and then fight to get my money back. Still working on it .

On April 4 I have opened a credit card account in Chase in Tortola branch (British Virgin Island). Then thay promised me to give a credit card in the not far future. Later - PIN number. In the end of April I leave Tortola Island. But when I opened the account representative of the bank promised me that I'll able to get it by mail. One month ago I called to the branch. And a representative who identified himself as "Mr. Tivon" told me that everything's all right, the card is prepared and they'll mail it to me. So it was one month ago. Since I just reseived a letter with "personal account information" and nothing else. So what must I do? Must I spend a lots of my money for phone calls or must I go by plane to Tortola? I am not resident of USA, I am resident of Ukraine (ex-Russia). And as for me it is not so easy to make phone calls everytime, espesialy to be there in near future. The problem alse is they do not accept any request, exept phone calls (no fax, no e-mail, no banking on-line for not resident of USA). So what must I do ? How can I get my money back ?

Many thanks in advance for your advise or anything alse for this.

Hear, hear!!! I thought I was the only 'preferred' Chase customer who has gotten screwed over by Chase's predatory (and/or incompetent) credit card practices. I am currently fighting a nasty battle over a $500 payment I made at a local Chase branch (which came out of my account instantly, of course) and never got posted to my credit card statement. SO..I'm out the $500 and a $29 late fee AND they froze my account.

The frustrating thing about these clowns is that there is no one and no where you can complain that seems to get any action.

Suffice it to say that I am in the midst of terminating all aspects of my relationship with Chase. Still, I would like the satisfaction of at least ONE phone call or apology from someone.

Has anyone out there had any luck? Does anyone have a contact that has worked for them??

Get a load of what these vultures did...here is a letter I sent to Walter Shipley. I know now that he is the Chairman of Chase, but when I called and asked who the president was, they gave me his name...I have yet to receive an answer. Please note that, for my protection, I have xed out the real account number.

March 3, 1999
Walter Shipley, President
Chase Bank
Chase Inquiries
PO Box 15919
Wilmington, Del. 19850-5919

Dear Mr. Shipley:

I am writing this letter of complaint to you directly because I have had no success with Chase Bank¹s credit card department in the clearing up of an egregious error.

Many, many months ago, my mother Agnes Burger had a Chase credit card, account. #XXXXXXXXXXX. As my mother grew older, I began to assist her in financial matters, and it was then that I advised her to close the account after paying off the balance. The reason was that the interest rate was nearly 22%. For a woman with steady income and a pristine payment record, I thought that a usurious interest rate.

My mother took my advice and joined a credit union, which promptly transferred the balance to a credit union gold card account, and sent Chase full payment of the bill, and then, we cut up the card. We thought that was the end, but it wasn't.

As the full-payment and the next month¹s statement crossed in the mail, the newly arrived statement contained a $25 late fee. My mother thought that when Chase got full payment and notice from Tropical Federal Credit Union that the account was to be closed, the late charge (which was computed based on the full amount) would be waived and the account finally closed. But it wasn't.

Repeated calls were made to the number printed on the statement in an attempt to clear up the discrepancy. Each time, some nice representative said that it would be cleared up, the crossing late fee waived, and the matter settled. We were told that a data processing time lapse was to blame for the problem. But this situation was NEVER cleared up. What happened instead was that each month, Chase kept adding yet another $29 (increased now) late fee, and it keep growing and growing and GROWING. I called again and again, speaking to a succession of representatives, each time, my anger growing commensurate with having to go over the same story line repeatedly, to no avail. DO YOU WANT TO KNOW WHY PEOPLE HATE BANKS? THIS IS WHY, MR. SHIPLEY!! Last September 28, I spoke with a gentleman who identified himself as "Bill" and after explaining the whole thing again, he seemed to understand and even be a little sympathetic. He told me that after tracing the account¹s history, indeed, full payment had been received. All that remained, he said, was to pay the initial late fee in order to clear the balance and close the account. In order to do that, I gave him the MICR number of my own credit union checking account, and authorized him to take the charge directly from my account. Initially, he told me the charge was $89. I thought it high, but was desperate to make this aggravation go away. That evening, Bill (I strongly suspect that is not his real name) called me at home (I don't know HOW he got my home telephone number, either) and informed me that he had computed the amount incorrectly. It was only $34. At the same time, he APOLOGIZED for the terrible way Chase had handled the account. Finally, I thought this nightmare might be over. It wasn't. My mother kept getting statements with $29 late fees. When I called, I was told that the computers needed more time to sort it out. And I was never able to speak to Bill again. This sinful treatment of a senior citizen who had been a faithful customer of your bank continues TO THIS VERY DAY! AND THE HARASSMENT HAS BEEN ELEVATED.

I recently ended my relationship with Chase Manhattan Bank because of a poor customer service experience. When I moved recently, after two calls and two written requests Chase twice failed to enter my new address in their system, causing my statements to be late twice and my APR on my Chase Gold MasterCard to increase to 21.4%. I tried to explain the situation to the Customer Service Rep, but was told that I would have to wait six months for review of the account.

When I told the Customer Service Rep I thought this was an inane policy and that I would inform others to not use Chase products, she informed me that if the people I hang out with are financially irresponsible like me, I could tell them on Chase's behalf that Chase did not want their business. I notified the Customer Service Department by letter of this incident, and as you might expect, I received no response except for a form letter indicating my account would be reviewed in six months.

I have since closed my account and tranferred my balance to another account. I would encourage others to do the same. To the uninitiated, avoid Chase products. To the unfortunate persons who have a relationship with Chase, I encourage you to engage in guerrilla tactics -- move your money, close your account, check your credit reports, and if you have problems thereafter, contact an attorney or consult a how-to book and threaten legal action.

Thank you for the opportunity to share my story. The right relationship, indeed.

From what I have read on your site, and from my own experience which I will try to briefly recount below, it would not be difficult to defend calling Chase Manhattan Bank, NA a criminally inspired outfit that in its own sophisticated way runs confidence games ("Shell" games) not much different than one will find on city streets.

I had a Shell Chase Manhattan Bank Credit Card. I used it a lot for gas and other purchases. I always paid off the entire balance at the end of the month. They cancelled my card without notice. I found this out by trying to use it. When I questioned a customer service rep, she told me I had written them to cancel. She lied, I knew, but I asked her to send me a copy of my letter, which of course never came. I wrote Chase about this, and they have yet to answer. This occurred over four months ago.

Chase also charged me a $30 late fee for a $3.95 purchase (Bell Atlantic Visa), the only purchase that month. The $3.95 was acknowledged as having been received on the bill where they charged me the late fee. I wrote them to protest. They have yet to respond. This was over three months ago. Meanwhile, they keep adding $30 each month for not paying the original fee, but they don't respond to queries. They just bill. This is not typical of the industry. This is Chase. The criminal justice system used to prosecute such activities as usury. I suppose Chase bought them out.

In response to an unsolicited mailing from Chase for a Visa Platinum card and balance transfer rate of 3.9%i filled out the application and requested a balance transfer of $6,299, which was to be paid in full by 5/17. The application was mailed to Chase on 2/28/99.

The account was approved & I got my cards on 3/19. On 3/29 when I called & asked about the balance transfer, I was told "the pmt was going out next week". As of 4/20 not only has it not gone out, but they now have no knowledge or evidence that a balance transfer was ever received.CS reps are useless; supervisors are surly; managers are non existent. It is the worst company I have ever dealt with.

Two months ago my wife sent Chase a check in opayment for a credit card bill. The check was nearly $5,000. Chase took the money, but never gave her credit on her account. She got the check back, and called Chase and they told her to fax a copy of the check, so she did. They said they couldn't read the back of the faxed copy, and asked her to send the original. She mailed a clear copy of the original. It clearly says on the back that Chase took the money. They told her it would take 10 days. She never heard from them. Then she called again. They said it would take 10 days. She never heard from them.

This has been going on like this for a couple of months. Yesterday she called them. They said they have never heard of her. They have no record of her ever sending them anything and the person she talked to never worked there. They asked for the information again, and they said it would be 10 days.

My guess is we are going to have to sue to get our money. The lawyer has been called.

Chase Platinum Visa cashed a payment of mine for $4,902.55 on March 9, 1999 and never credited it to my account. I have called them at least three times each week to ask if they have credited my account, yet it has been almost 7 weeks and nothing has happened. They initially told me it would take 10 business days.

They were notified the second week of March that the payment was not credited to my account. I was told to get a copy of the canceled check and fax it to them. I ordered the canceled check and faxed it, as well as mailed it March 30, 1999. It was sent to a Mrs. Dushaine, Unit 312 (she was the first person I spoke with). Well, no one knows who Mrs. Dushaine is. I then faxed another copy of the check, again, to card member services.

I called on April 12 and the supervisor I spoke with would not let me speak to her supervisor. She was very rude and said simply that she was sorry and that Chase was still looking into the canceled check and where the money went. I called on April 14 and a very nice woman said that she had my paperwork in her hand and that I would get my money by April 27. I called April 27 and no one knew where the paper work was, letters, or copies of the canceled check. I had to refax everything -- this time to Joan Ingber. I called April 28 to make sure Ms. Ingber got everything, but she was not in. I was told that she would call me on April 29th -- today.

I am still waiting for the phone call and my $4,902.55.

As a long time customer of Chase, and having 2 credit cards with them, within the past three months I have been getting dunned a late charge on my credit cards, even though I send the payments in a least a week before they are due. The payments are received, and appear on the next statement, but THEY claim that if it doesn't arrive by the due date on the bill, then it is LATE. How do I know when they actually receive it?

They could be keeping the payment and then saying that it is late. Is this even legal? I have called, and each time have had to speak to a manager and go through hell to get these late charges reversed. If anyone knows if this practice is legal, please e-mail me.

Chase ate my credit card company. I'm not a crank and I don't mind the occasional screw-up, and I have never complained about any corporation before. But Chase's service really is exceptionally atrocious. I dislike to use the word "sucks" and suspect it diminishes the impact this site might otherwise have. But I'm grateful for any chance to commiserate about the monster that Chase is and share my story, so I let that slide.

I had a Marine Midland Continental Airlines card. When Chase took them over I decided I did not want to renew my year's membership, so when the annual fee came due I called up to cancel. I was told that I had to pay this fee since they had already billed me for it. What is more, if I ever canceled the card, I would lose ALL of the Continental mileage I had ever accrued in my Continental account. Supposedly, this was in accordance with my "agreement" with Chase. When I asked to speak to a supervisor, she said there was no such person and there was nothing I could do and no one I could talk to. I was too shocked and stupid to know better, so I let it go by. She said I could write a letter (which I later did, to which I received an impersonal form reply that did not address the issues which I took a great deal of trouble to sit down and spell out). Nonetheless, I asked her to send me a copy of this supposed "agreement," since I had never gotten one when they took over my account, and indicate the place where all this was spelled out. I did not receive the agreement, so I called again and asked again, and this time I got it. But nothing about canceling the card or losing accrued mileage was there. So Chase lied to me.

When I renewed my annual fee, I was supposed to receive 1000 bonus miles on Continental from Chase. Here it is six months later, and despite my repeated phone calls and Chase's repeated promises, I have still not received these 1000 miles. So Chase has lied to me again. I've told Continental about this and they told me they've had numerous complaints about Chase and that they were "improving." "Not enough yet," I said.

Of course my phone calls to Chase about these bonus miles get bounced all over. When I give the name of the person I had spoken to previously, no one has ever heard of them. Someone finally told me they have a lot of turnover at Chase. I wonder why. I also wonder if anybody uses their real names to begin with.

Once in the course of these phone calls I was transferred to someone who proceeded to inform me of the wonderful advantages of having a credit card from Chase. I tried to tell her no, I already had a Chase credit card, and all I was doing was trying to get the Continental bonus miles I had been promised. She started all over again to tell me about the advantages of Visa from Chase. Incredible. She sounded like she was having a nervous breakdown. I felt very sorry for her and asked her name because I believed she needed some kind of psychiatric help. I called back Chase and told the person who answered about the conversation I had just had with one of their employees. My gesture of compassion was greeted by gales of laughter. "Don't worry about her," I was told. This is chilling. Along with the deceptions, the corporate culture at Chase is of a dehumanizing nature.

I am continuing with Chase until just before the annual fee is due, because since I paid the fee last year I want to get all the Continental mileage I can. But when I call to cancel the card and they try to pull anything on me about my "agreement" with them, I'll be ready with that agreement in front of me to calmly say, "Where does it say that?" They won't have an answer. I recommend that anyone having any problem with confusion over policies with Chase use this tactic. Until you get out of their clutches, at least.

In the course of my work I have been in a position to steer significant sums of money away from Chase and I have derived some recompense in knowing that I have cost Chase more money than they will ever make off of me by their dishonesty. Chase is an aggressive and ruthless corporation and I hope they go the way of Communism, which incidentally they strongly resemble. I am reluctant to give my real name, as I am now paranoid about Chase's ruthlessness. Thanks!

Three months ago Chase solicited me by mail to use their card after a period of non-use. The reward was to be $5 for any charge over $100. So I did, I charged $105.

After more than three months that $5 has never shown up on my statement as a credit, though after a 30 minute talk with a telephone rep I was promised it would in March.It did not.

I called back and finally was told that $5 applied to some other Chase card I had.

I think this is bait and switch advertising and I do not recommend this Bank for anything, given the misleading VISA card experience.

Wow. I've never been so glad to be turned down in my life! I recently recieved an application for a Chase Visa in the mail. I was denied. While trying to find an address to write about getting my credit profile, I happened across this site. Since I had a couple of mistakes at the age of 18 (credit cards at my first year in college), I have been trying to build up my credit for the last 8 years. I have read everything on this site, and whole-heartedly agree with all I see. Just trying to get a profile, I had to call 5 different phone numbers. FIVE! (and I won't even go into how long a wait for each one.)

Keep up the good fight, Scott. And whatever you do...DON'T SELL. (I read the article in IW.)

PS: Since information and knowledge can be the best weapons in the world today, I've taken the liberty of notifying everyone I know about this site.

I wish I had found this website earlier.... I'm sure there's more but based on my experience I have two reasons why the Shell M/C sucks. Their so-called "5% rebate" for gas purchase SOUNDS good, but their gas price is usually more than 5% higher than other gas companies. They also charge a $20.00/year annual fee which other gas comp. don't charge.

I was told by the service reps that if I call and ask them to waive the fee, they would consider removing the fee. And after I saw the $20.00 charge on my statement this month, I called them but their answer was "no." I've had this account since 1995 and I have never been late on any payment.

I wonder what kind of people get their annual fee waived.

Re: Account # 5369 9003 2282 4231

Feb. 23, 1999

Dear Shell:

I went to use my Chase Shell Mastercard today and embarrassingly it was denied. This was the first time in my life that this has happened on any credit cards that I have used over the years.

I called your office to ask why I was denied and was told I was in arrears. I explained that I had called last week and said that the check I had sent to Shell for the balance of $48.50 had cleared my bank 4 days before the due date.

You advised me to get a copy of the canceled check and send it to you to get the account fixed. I started arrangements to get a copy of the canceled check to you. Your office also suggested that in the meantime I could do a phone-pay. I asked what that meant and was told I could authorize Shell to debit my checking account to withdraw the amount I still owed. I expressed my mounting outrage saying I had already paid the amount, been a longtime customer, had a $39 gas credit, initiated phone calls and this was over the relatively small sum of $48.

In the meantime, with great haste and without the courtesy of informing me, you shut off my card. All this over a lousy disputed $48 that you claimed I didn't pay, despite the fact I had a unused gas credit for $39 and had been a customer of Shells for 17 years with an excellent record with you.

Your customer relations program stinks.

I am returning my attached cut up Shell card and want my account closed and my credit report purged of any derogatory information you might have entered. Also, I am giving up any claim to my gas credit of $39 by donating it to Shell and suggest you use it to start a CRISP (Customer Relations In-house Sensitivity Program.)

Thank you,

K.S.

P.S. As of today, March 28, the only response I have had is two additional billings where the balance is now up to $108. I have Faxed my canceled check twice, mailed it once, many phone calls and still no response!!!

Three months ago Chase solicited me by mail to use their card after a period of non-use. The reward was to be $5 for any charge over $100. So I did, I charged $105.

After more than three months that $5 has never shown up on my statement as a credit, though after a 30 minute talk with a telephone rep I was promised it would in March.It did not.

I called back and finally was told that $5 applied to some other Chase card I had.

I think this is bait and switch advertising and I do not recommend this Bank for anything, given the misleading VISA card experience.

After defending Chase for six years, I have had an experience that has made me eat a lot of crow. Prior to a recent move, I filled out the change of address section on my credit card form and returned it with my payment.

I failed to get two statements in a row and got a call from Chase stating that my account was past due and that if I did not pay immediately, my account would be terminated. I had moved to 13th Road and they had mistakenly recorded the address as 18th Road. Upon explaining this to the woman, she snottily made me pay immediately via Western Union and stated that I would have to call a different number to get the address changed.

Multiple phone calls later and after TOO much explanation, the address was changed and I was promised copies of my lost statements. Nearly two months later, I got the statements in the mail and am checking them for accuracy and to ensure that all of the late payment fees were refunded.

If all looks ok, I will cancel the card and get a credit check. After being a perfect customer (no late payments, all payments in full every month, yes, I am that anal and precise with all of my accounting), I am outraged that it took so long to get this error of Chase's corrected and that I have spent countless hours explaining, correcting and worrying about this.

I now just hope that my credit report issues will be taken care of in a manner easier than others on this website. Wish me luck!

An article in today's Washington Post alerted me to the existence of this site.

My former wife had a Chase credit card. She was from New York and wanted to support the home team. BIG mistake. Continuous problems with the card and Chase's non-helpful attitude. Finally the account was closed, and it was over, or so we thought. Months after the account was closed, they started sending letters demanding payment for charges made AFTER the account was closed and the cards destroyed.

About the ONLY thing they could do right is dial our phone number to demand payment for an account that had been closed months before.

After complaints to the Better Business Bureau and assistance from her father, a sitting judge in New York, Chase admitted that a "clerical error" had resulted in several weeks of threats. No apologies, no nothing. Well, not quite. They DID start sending us card offers, saying how great they were.

As advice, I can only say this. GET A CREDIT UNION! Almost universally, credit unions offer better, cheaper service with less hassle.

I will NEVER, EVER, bank with a super bank again. They can all go to hell.

We rarely carry a balance on our Chase Mastercard; we use it and pay it off every month. We were recently received checks with a low interest rate that could be used on our account. I decided to buy my wife a beautiful diamond bracelet at Price Costco and used one of the checks as payment.

When we received our statement, everything was lumped together and was very hard to decipher. On March 29 I called the service and asked them how to pay off our recent charges.

I talked to a Supervisor (Mrs. Fernando) and was told to 'read your agreement'. I asked what she meant. She stated that any payment would be used to pay off the lower interest rate first, then the other charges. I would be stuck with paying their 'Mafia Rate' unless I paid everything immediately.

I told her that the information that was sent along with the checks was, in the mildest term, misleading. It stated terms like "you'll activate your rate reduction as soon as you write your first check." Again and again, Mrs. Fernando stated, "Read your agreement." She had no sympathy or concern for my plight. I am still waiting to hear from her supervisor, Ms. Glaser.

Chase is deliberately using a bait and switch tactic to generate revenue. These are the lessons I've learned:

1. Throw away anything from Chase Manhattan that is not a statement.

2. If you ever have to use their 'low interest' checks, make sure you have NO BALANCE, and don't use the card again until you've paid off the amount of the check.

3. Appreciate your understanding wife. (She was so mad about the whole ordeal that she's returning the bracelet so we can pay everything off and get rid of $#@@$&! Chase Bank.)

Well, I have been a loyal credit card customer with Chase for the past three years. I just reviewed my statement and saw a $25 charge for Chase Rewards program. Gosh, I guess spending $30,000 to $40,000 per year on their card is not good enough for them to waive the fee. This is not what upsets me.

What upsets me is the attitude of the customer service rep that I talked to. She didn't care if I spent a million dollars with their card. She said If I wanted to, I can drop their card and go with another company. That's exactly what I will do once I spend another $2,000 (so I can get my last ticket).

I thought in this day and age, with competition the way it is, a company would try to keep their profitable and loyal customers. BUT NOOO!!! THe twenty five dollars is too important to them, or is it that they don't give a damn about their customers? They have soooo many of them, if they piss one off, who cares? Chase is a multi-billion dollar investment bank. Well, I wonder if they'll be around in the future???

I just read about this site in the Washington Post.

About four years ago, I had an erroneous charge on my credit card...at first they told me they'd handle it if I wrote a letter stating that the charge was not mine. I did this, and didn't hear from them for a while. I was repeatedly in touch with someone at their customer service department in Florida, who repeatedly assured me they were taking care of it. To cut to the chase (pun intended), it took nearly a full year to have the charge removed, involving phone calls every month or so. Needless to say, I cancelled the card the same day they removed the charge.

Once upon a time, I had a Chase Bank credit card. I was stupid and got it when I was in college. I should have known from the application process that they were going to be a pain in the butt.

When the card expired, they sent me a new one with a big security sticker on it. You had to call to activate it. My husband opened the mail and just put the card in the drawer. Several months later, we wanted to go out to eat. I noticed the sticker across the face of my card and immediately called Chase. The customer service agent (that is quite a loose term for Chase) told me that I should have called immediately, but they would activate the card and it would be no big deal for me to use it within an hour. We went out to a very nice restaurant and at the end of the meal gave the waitress the card. She came back told my husband that the people on the phone wanted to speak to him. They started asking my mother's maiden name. He didn't know it, so I had to get on the phone and talk to Chase. They cleared up the matter, but it was all very embarrassing. When I got home, I called Chase and the customer service stooge apologized quite profusely and assured me that this w! ould NEVER happen again. They had it all taken care of and my card was correctly activated. EVERY time I used that card until I called and canceled it, the store had to call. Each time I came home and called and the customer service stooge could not understand how come the previous stooge had not done what they told me and assured me they had taken care of it correctly.

I've received numerous Credit Card offers from Chase. This time I almost accepted and was going to transfer my balances to the new Chase Card. I'm glad I saw your site. It saved me from having to deal with the situations I read from Chase customers!

While vacationing in Paris my husband went to a cabaret show. Trying to leave three "goodfella types" demanded all his Francs and US dollars. They then demanded he give them a credit card. My husband claimed he didn't have one, but they took the wallet and found the Chase Visa and in exchange for exit of the building and his life he was forced to sign.

We went to the French police and filed charges. The agreement was they would return our money the next day. While at the police station, we phoned Chase to shut the card down. Chase assured us this would not be paid and everything would be taken care of. Returning to the establishment the next day only a part of our money was returned and they threatened to kill my husband and rape me.

We phoned the police again, they said the case was closed. Upon arriving back in the US I called Chase again to assure this charge would not be paid. I was then told by a supervisor that even though my husband scribbled on the signature we would still have to pay the charges. To add insult to injury, she then proceeded to tell me that she wouldn't have ever signed and simply left (evidently this woman was raised in Mayberry). As if this wasn't enough she then proceeded to tell me that my husband should not have been there in the first place and got what he deserved. HE was the VICTIM of a robbery.

Sorry to bore you to tears, but needless to say I am furious and have decided to make it my life's mission not only not to pay this charge but to encourage every friend, family member and acquaintance to transfer their accounts to another card.

Any tips on how to battle these shylocks would be greatly appreciated.

You all are correct!

I just experienced the most miserable experience with Chase Customer Service regarding my credit card. An electronic payment to my credit card account cleared my checking account but was unposted to my Chase account. (I have been making successful electronic payments for over 2 years)

I got two different stories regarding my account number and neither the customer service staff person or the billing person knew anything about electronic payments.

The really amusing and infuriating part was the only time the billing person offered to do anything was when I got so angry I said I would close my account. She offered to close it ASAP!

I never thought I would be grateful I banked at Wells Fargo but their customer service department was great- They were really wonderful- sigh

In fact even American Express was wonderful compared to Chase.

Keep up the work here! Thanks for listening. I also wrote a scathing e-mail and letter to Chase.

Came across your web site by acccident. My husband was on a business trip recently and read an article about Chase, not a good one! It stated that Chase was being investigated by some federal agency for over charging thier card holders, over excessive interest, tel calls at all hours of the day (week ends included) an so on.

My husband wishes now he had finished the article or just wrote the publication down to give me that information. Well this lead me to check the net, finding you! Here is the problem as I see it, it's my mother that has the account w/Chase. She resently moved.(trouble started)They just started to call her all the time. When the grand kids answere, they get a hard time by the representative, not realizing they are children?

Well a payment was "late", (now I know better) like all of your other stories, pastdue charges, over the limit charges, late charges, not to mention higher interest, monthly fee. After reading your web site, I started to read all her statements, back to 1991 (thk God she saved them) I found in several month statemnets current purchases and the regular Chase charges, but no printed information as to where or when the charges were made. So I went back to the previous month, no current purchases. ??? Yes, that is what I said! So every time I saw this, I look back more, till 1991. There were some current purchases made during 91 to 98 & those did have the name of the place where the charges were made.( I checked them out, they were legit charges) Could Chase be adding current purchases that did not occured?

In the mean time, I started to take mother' calls, and to talk with these callers,I wrote letters to Chase explaining my finddings, explaining the move, the problem with no statement from them, and started to keep a ledger on the conversations, times, people, dates (& recorded then also) See, Chase took three (3) months to change mother's address and send her a statement (she keep making payment any way)Now the interest is up, pasdue charge is up, she is over the limit (Chase put her there)an so on. One department does NOT know what the other is doing, they do not check back on their records, do not return my calls, some one did send an acknowledgement letter of my last correspondance. We will see! ( we are in LIMBO at this time)

What a mess!!!!!If any one knows of the article I mention before, PLEASE! place the info. on this web page, I will read it. Any comments, suggestions of what to do next, will be appreciated. By all means do pray for me as I embark into The Chase black hole, and wish me some luck!

Keep up with your web site, do not let them get to you! God Bless.

You all are correct!

I just experienced the most miserable experience with Chase Customer Service regarding my credit card. An electronic payment to my credit card account cleared my checking account but was unposted to my Chase account. (I have been making successful electronic payments for over 2 years)

I got two different stories regarding my account number and neither the customer service staff person or the billing person knew anything about electronic payments.

The really amusing and infuriating part was the only time the billing person offered to do anything was when I got so angry I said I would close my account. She offered to close it ASAP!

I never thought I would be grateful I banked at Wells Fargo but their customer service department was great- They were really wonderful- sigh

In fact even American Express was wonderful compared to Chase.

Keep up the work here! Thanks for listening. I also wrote a scathing e-mail and letter to Chase.

On several occasions Shell Master Card denied access to my account on the grounds of multiple usages over a short period of time. Much to my displeasure. When questioned about this situation. The reply was that it was done to ensure my protection. That is to verify that I was still in my possesion of my card and that the transactions were made with my authorization. This is standard operating proceedure for the credit card services department at Shell Master of Chase Manhattan Bank.

Unfortunately in an industry at tightly regulated as the banking institution is this simple proceedure is not always followed. Their failure to adhere to this principle of safe guarding their card holders might just cost them and me $9,000 + in ATM withdraws.

Last summer my credit card was stolen. I reported it to the company, who in turn advised me to wait a few days to see if it would turn up. They informed me it was quite a hassle to cancel a possibly stolen or or lost card. Also having a new one issued would created a major headache to have another issued. So needless to state I did not list it as stolen. Until several weeks later when I got the bill. In the interregnum a new card was issued due to the fact that the older one had expired. Unfortunately for me the person in possesion of my older card had managed to obtain cash advances on my credit card for eight days in a row taking out the maxium amount of cash available. I only became aware of this when Shell Master Card sent me the monthly statement in the amount of some $7,000 + interest. I called them immediatley complained (no good) Called the fruad department. (was accused of stealing) Called the Customer service people in Hickville NY. (no good) Filed a letter of complaint with the Better Business Burea to no avail. Wrote several letters to various department seeking resolutions. (no good) Now I must seek legal assistance to protect myself from this malevolent company.

The little guy just does not have enough pull in these things to make a difference on an individual basis. Therefore we must band together to correct this grevious error against us all.

So I have included a list of all the persons that I had contacted to resolve this situation. Please feel free to use this information in your own legal attempts to correct your own problems. We must work together on this common problem inorder to survive and vindicated ourselves. It is much to easy for Chase Manhattan Bank to simple out spend anyone individual in legal proceedings.

Better Business Bureau 1010 Concord Ave Suite 101 Wilmington, DE 19802 (third party consummer protection agency)

Shell Mastercard from Chase Chase Manhattan Bank, USA, N.A. PO box 15918 Wilmignton, DE 19850,5918 (J. Holmes office customer services)

Chase Card Member Services PO box 15823 Wilmington, DE 19850-5823 (customer services general)

The Chase Manhattan Bank Fraud Risk and Loss Control Division PO box 29022 Phoenix, AZ 85072-9022 (Christy Drewery, Assistant Vice President Fraud)

Chase BankCard Services, Inc. PO box 52188 Phoenix, AZ 85072-2188 (W. R. Asamoah,collections department)

The Chase Manhattan Bank 100 Duffy Ave Hicksville, NY 11801-3699 (Rachel Breton, Executive Tracking Unit)

Chase Cardmember Services Fraud Investigations PO box 29073 Phoenix, AZ 850338-8664 (Rebecca L. Spiess, Vice President Investigations Department)

I used to be a Chase Bank credit card holder. The reason I signed up with them in the first place was through the Audubon Society, as Audubon would get 5% of the interest charged. Well, they dropped Audubon and I didn't get around to finding another credit card holder. Inertia, I guess.

The first incident was when they suspended my credit with them because the post office made an administrative error and sent my check to some lady in Missouri. This person was good enough to call me and send back the mangled check and envelope. I kept telling Chase that I had sent them the payment on time, but they wouldn't believe me. I got the post office to write a statement admitting to their error and they removed the "black mark" from my credit rating.

The next incident was when I had sent the check to the wrong Chase address - they have several, which gets confusing, so I got another nasty letter from them advising that my account would be suspended, never mind that I religiously sent all my payments to them on time and had a minimal balance. That really ticked me off.

I told them they weren't the only show in town and after I got this problem straightened out, I would proceed to get a card with a much lower rating, which I did, through my credit union. After they got the check, I took a pair of scissors and cut the card in six different strips and stapled it to a not-very-nice letter telling them what I thought of them and to cancel my account.

Well, guess what? That wasn't the end of it. They kept sending me cards and I would cut them up and throw them in the trash. THEN they sent me a bill for 20. for a card I didn't request and never used. Well, that just did it. I burned up some telephone wires and demanded a letter verifying that my account was closed.

So, that's MY lovely experience with CHASE. I don't have a bit of trouble with any of my other creditors who always treat me like a human being, with respect.

I currently have a "closed" account that I have paid on for the last 7 years. For the last 4 years I have paid on the acct with out fail every month. My charge off credit rating has gone from R=9 (the worst) to R=1 (the best). The original charges were around $725.00. The limit was $700. I had paid the card off in full in Feb 1992. Chase customer service reps let another person call up and over the phone get a Chase card in thier name with out my consent. The person who got the unauthorized card max'd it out in about 2 months. By the time I had found out about the second card, the damage was done. I was told they would prosecute the person. The person who got the card was my drug dependent brother. I have not seen my brother in years nor do I know where he is. Instead of them prosecuting him, I had agreed to pay the money back. My annual salary most of this time was around $13,500 per year. I was harrassed in the early days, I even went to the blood bank to give plasma to pay them. When I got out of the plasma center, I went to the Western Union Quick Collect services to send them some money. I could have filed bankruptcy like so many people do these days...God knows I certainly had a bad credit rating from this. I finally was able to place Chase on an automatic bank/checking acct deduction from my personal checking acct. I was paying $20.00 per month. In the maen time my $725 balance swelled from $725 to over $1100 from bank charges alone. Two years ago, I got back enough Income Tax Refund to call the up to offer a cash pay out. I was told by the service reps that a cash pay off of $958.00 may be accepted but my R-1 rating would revert back to the R-9. I was outraged at this. I had struggled to pay on this acct for years trying to get them paid off, but all I was doing was going deeper and deeper in debt with them. I was told to maintain the R-1 rating the entire amount of over $1100 would have to be paid. I out of frustration had an angry exchange with the service rep. The next billing statement that was received...I noticed that they had applied a new fee called "over the limit fee" this fee amounted to $25-$30 extra charged to the acct. I had increased by automatic bank draft deduction to $30 per month. So now my $30 pymt was up against a finance charge of nearly $30 plus this new fee of $25-$30. Every pymt I have made was a spit in the ocean compared to the amount that was amassing on this account. Little people like me who don't believe in bankruptcy, and try to do the right thing get squeezed by large corporations like Chase Manhattan..... ALL BECAUSE THEY CAN!!!! Hopefully this year I will receive enough to pay the creeps off. I feel like I have been dealing with LEGAL LOAN SHARKS. Oh yeah...this months statement...Prev bal $1448.95, pymt $30, over limit fee $29.00, Finance charge $27.80, New Balance $1475.75. A note is listed on the statement, it says Over line-Pay immediately $775.75!....ALL FROM ORIGINAL DEBT OF AROUND $725.00.

LOAN SHARKING IS ALIVE AND WELL AT CHASE MANHATTAN BANK CREDIT CARD SERVICES. MAYBE IF THEY HAD A BETTER ATTITUDE AND REALLY TRIED TO WORK WITH PEOPLE TO GET PAST DUE BALANCES PAID INSTEAD OF "SOCKING IT TO" THE POOR CHUMPS WHO REALLY TRY....MAYBE THERE WOULDN'T BE SO MUCH BANKRUPTCY FILED AGAINST THEM.

Chase has this 9.99% offer on transferred balances until they are fully paid off. I asked if I could use the check to pay for my kids summer camp. They said no.

I wanted to know why so I asked for the supervisor. I explained what I wanted and could not get a satisfactory answer.

I said I was going to spend $5,000 on camp and could spend it with them or with someone else. They said the decision was the marketing debts decision. When asked to speak with them, they could not give me a number but an address instead.

I found it odd that I could charge the camp to another credit card and then write the 9.99% check and transfer the camp charge to Chase, but I could not write the check directly for the camp. I still do not understand.

My credit card was opened with Consumer's Edge Bank of NY (DEL) and Chase bought them out. Within a few months, they increased my interest rate from 14.9% to 20%, without even telling me. They only notice I had was the printed rate on the bottom of my bill. When I called to complain they said that this was their going rate. At that point I had my boyfriend get on the phone and tell them that he had a rate of 14.9%, so how could 20% be their going rate. They had no answer.

I had initiated a balance transfer through Chase. When I phoned a representative to see why it was taking so long, he said the the check was in the mail. After a week I called again to see what date was the check mailed. I was told that I had requested a stop payment on this check. What incompetence.

In complaining to the supervisor, he answer was that I should reevaluate my position.

I have CHASE SUCKS AND I WILL TRANSFER MY FUNDS TO ANOTHER CREDIT CARD AND NEVER,. NEVER USE CHASE AGAIN!!!!

Listen to this one regarding the use of Chase Credit cards and I'm an employee. The occurrence I'm referring to took place within 2 days.

I purchased Yankee season tickets at the stadium and purchased every Friday night Yankee game. The next day I attempted to purchase a new sofa and love seat after much haggling with the store manager. When the store tried to put my card through it got rejected and I lost my purchase because another customer wasn't the same couch I wanted and there were no more in stock.

When I got home there was a message on my answering machine saying someone was trying to use my card unauthorized, that stupid jerk didn't realize it was me. To make a long story short when I called they weren't very attentive and didn't care one way or the other.

And note I'm an employee and I have since cut up my card and I'm been spreading the word not to use Chase Visa or MasterCard because you will get screwed, oh yeah this all happened the week before Xmas when people do make a lot of purchases, dud.

I must tell you that I am very impressed with this web page and did not expect to find such a location not to mention others having the problems I am being confronted with.

My situation is directly related to my credit card. Recently I have found myself in a very embarrassing situation of having to restructure my personal financial debt. One of my unsecured creditors is the Chase Visa card. I have made arrangements for a payment plan through a debt counselor intermediary (which will protect Chase and repay the whole debt in time) which Chase has agreed to.

Now the problem. They continue to call me daily, and sometimes twice daily or more. I believe this is harassment and if it does not stop I will sue them or enter into a class action lawsuit with anyone else who is part of this web page and ready to take the gloves off and get it on. They have accepted the repayment plan, and their actions reflect not only poor management but extremely ineffective and unprofessional policies and procedures that will only cost them money not save nor recapture investment debt.

I have been in banking for over 28 years and left the industry because of this sort of banking activity and the lack of true professional bankers in the industry and major disastrous banking operating style changes.

I am close to the point of shoving this debt right down their throat after all that I have done to protect them and to repay my obligations, I get this sort of harassment.

Chase truly is an out of control gigantic corporation where the left hand does not know what the right hand is doing, nor do they care. I will assure you that in time with this sort of poor operating structure they will collapse or be bought and then we will have an even larger ineffective banking concern to deal with.

Thank you for letting me vent, this bank is in trouble and definitely in line for a complete overhaul operationally from the very top to the very bottom. They are not above the law nor the rules of acceptable customer service.

I am one more brick taken out of their corporate foundation and in time the structure will collapse without some dramatic and sweeping reconstruction.

Regards,
C.W. Trammell

This is a follow-up to my comments submitted on December 13, 1998 pertaining to my Chase VISA card and their "ULTIMATE REWARDS" program. In a nutshell, my request to have my points redeemed for an air travel certificate was rejected for the SECOND CONSECUTIVE YEAR. Reason?? Under the Chase rewards program, points EARNED do not equate to POINTS ELIGIBLE FOR REDEMPTION. Now Webster's Collegiate Dictionary defines the word "earned" as "..to come to be entitled to." And the Chase ULTIMATE REWARDS catalog states, up front, that, "You'll earn one Ultimate Rewards point for every purchase dollar you charge to your Chase card." It's that simple." Well, not quite. The Chase definition of "earned" (in fine print) is that points earned can't be redeemed until Chase gets around to posting them to your statement. So, if you're out making a lot of charge card purchases for Christmas and so that you can reach (AND REDEEM) a certain reward before December 31, THINK AGAIN. Any points "earned" throughout most of December will be worthless until January, 1999. And, if you have any points over three years old, they will EXPIRE on December 31. Double whammy!!!

In closing, the Chase Customer Service Representative put me on hold, then disconnected, when I asked her if an exception could be made to allow my points EARNED on December 9th and 10th to be REDEEMED before 12/31/98. On my second call, and despite explaining that almost 4,000 points were set to expire on 12/31/98, the Chase rep. would not consider including the 226 points "earned" on Dec. 9th and 10th as being redeemable in 1998. So, for the second consecutive year, Chase has been stoic in its efforts to ensure that:

1. Good customers will not be recognized in any manner.

2. Bad customers (and if you are late with one payment only, this is you) will be punished severely with a six month hike in APR in excess of 21 percent.

3. Any customer will be disconnected from Customer Service unless you have called only to provide a compliment.

SUMMARY: IMMEDIATELY SUBSEQUENT TO RECEIVING THE LOUSY GIFT CERTIFICATES THAT I DECIDED TO OPT FOR (IN LIEU OF THE DESIRED AIRLINE TICKET), I WILL BE CANCELING MY CHASE VISA. I MUST HAVE BEEN A FOOL TO HAVE HELD THE CARD AS LONG AS I DID.

P.S. - If you ARE a fool, Chase would be DELIGHTED to have you as a credit card customer.

My experience with the use of a VISA card from Chase has been poor, at best. I have had my Chase VISA card for many years and always made timely payments.

There was ONE exception where a monthly payment was late and the PUNISHMENT was astounding. Here's what Chase did:

1. Interest rate jumped to a percentage rate in the low 20's (APR).

2. My Ultimate Reward points were not permitted to be redeemed, so I lost out on a airline ticket AND the 20,000 points required for this ticket were reduced by 3,000 points, thus leaving me with insufficient points to obtain the airline ticket. SOME REWARD!!!!

3. Chase Customer Service was not interested that I was a loyal customer for many years - THERE ARE NO EXCEPTIONS!!!

4. Chase does care about maintaining good relationships with its cardholders.

I once again have sufficient points to qualify for an airline ticket, unless, of course, Chase has "upped" the number of points required during the year, e.g., the Ultimate Rewards Catalog allows them to change just about anything in this catalog at their whim.

I will let you know how this works out and post the results shortly. In the interim, I would STRONGLY RECOMMEND that you shop elsewhere for a credit card institution that has some respect for its customers.

First of all, let me say that this comment is about something that's really my own fault. I am single, and on the road quite often. My Job sometimes takes me on month long visits to various companies where I troubleshoot and write software for CNC machining centers.

Since I'm single, I have to manage my own bill paying schedules - no wife to handle it while I'm gone. Well this month, I was a day late getting my Credit Card payment into Chase and they charged me 29.00 late fee for a 40.00 bill. Again,

It's my fault - I admit it. But 29.00? I am cancelling the card today. Chase sucks!

I currently have a "closed" account that I have paid on for the last 7 years. For the last 4 years I have paid on the acct with out fail every month. My charge off credit rating has gone from R=9 (the worst) to R=1 (the best). The original charges were around $725.00. The limit was $700. I had paid the card off in full in Feb 1992.

Chase customer service reps let another person call up and over the phone get a Chase card in their name with out my consent. The person who got the unauthorized card maxed it out in about 2 months. By the time I had found out about the second card, the damage was done.

I was told they would prosecute the person. The person who got the card was my drug dependent brother. I have not seen my brother in years nor do I know where he is. Instead of allowing them to prosecute him, I had agreed to pay the money back. My annual salary most of this time was around $13,500 per year.

I was harrassed in the early days, I even went to the blood bank to give plasma to pay them. When I got out of the plasma center, I went to the Western Union Quick Collect services to send them some money. I could have filed bankruptcy like so many people do these days...God knows I certainly had a bad credit rating from this.

However, I finally was able to place Chase on an automatic bank/checking acct deduction from my personal checking acct. I was paying $20.00 per month. In the mean time my $725 balance swelled from $725 to over $1100 from bank charges alone.

Two years ago, I got back enough Income Tax Refund to call them up to offer a cash pay out. I was told by the service reps that a cash pay off of $958.00 may be accepted but my R-1 rating would revert back to the R-9.

I was outraged at this. I had struggled to pay on this acct for years trying to get them paid off, but all I was doing was going deeper and deeper in debt with them. I was told to maintain the R-1 rating the entire amount of over $1100 would have to be paid. I out of frustration had an angry exchange with the service rep. The next billing statement that was received...I noticed that they had applied a new fee called "over the limit fee" this fee amounted to $25-$30 extra charged to the acct.

I had increased by automatic bank draft deduction to $30 per month. So now my $30 pymt was up against a finance charge of nearly $30 plus this new fee of $25-$30.

Every payment I have made was a spit in the ocean compared to the amount that was amassing on this account.

Little people like me who don't believe in bankruptcy, and try to do the right thing get squeezed by large corporations like Chase Manhattan..... ALL BECAUSE THEY CAN!!!! Hopefully this year I will receive enough to pay the creeps off. I feel like I have been dealing with LEGAL LOAN SHARKS.

Oh yeah...this months statement...Prev bal $1448.95, pymt $30, over limit fee $29.00, Finance charge $27.80, New Balance $1475.75. A note is listed on the statement, it says Over line-Pay immediately $775.75!....ALL FROM ORIGINAL DEBT OF AROUND $725.00. JoAnn Lee, P.O. Box 96, Cataula, Ga. 31804

LOAN SHARKING IS ALIVE AND WELL AT CHASE MANHATTAN BANK CREDIT CARD SERVICES. MAYBE IF THEY HAD A BETTER ATTITUDE AND REALLY TRIED TO WORK WITH PEOPLE TO GET PAST DUE BALANCES PAID INSTEAD OF "SOCKING IT TO" THE POOR CHUMPS WHO REALLY TRY....MAYBE THERE WOULDN'T BE SO MUCH BANKRUPTCIES FILED AGAINST THEM.

I obtained a Chase Visa card shortly after graduating from college in 1985. The interest rate was obscene, but like so many naifs, I didn't know any better. I used the card, and after awhile, I was carrying a balance from month to month.

In May 1997, I paid off my balance of several thousand dollars with a letter in which I referred to Chase, charitably, as "leaches." I told them to cancel the account, and not to send me any solicitations in the future.

Since then, I have received numerous solicitations from Chase Visa.

In October, I obtained my credit reports from the big three credit reporting agencies. Chase is still reporting the account as "open."

Chase Bank really does suck.

While in college, I made the mistake of becomming a Chase Visa customer. I had a very low credit limit and found the card useless. I had other credit cards that gave me 10 Times the credit line at the time. I eventually closed the account in October of 1992. I recently had a credit report run and Chase claims I was delinquint for 30 days. I attemted to call Chase a rectify the problem, but no one seems to care. I called 1-800-545-0465 and was referred to 1800 835-8315 and was once again referred to 1-800-441-7681. I stated my issue and the customer service person said I should fax my credit report to 516-835-6879. She stated the reserch group does not accept phone calls and would not respond to my request for the correction. I stated that I will not randomly fax sensitive information to someone who will not confirm receipt of my credit report. How stupid do they think we are. I was told that I could speak to her supervisor, Gerry Parker who works out of the Tampa, FL office, but Gerry would only reiterate the same information. The customer service person was quite proud that she could use a four syllalbe word.

Ms. Parker stated that their computers only hold information for twelve months. I asked her for the research department's number and she stated they are not open on weekends. I assured her I would wait till Monday and she simply stated they would not accept my phone call. Why should I be penalized for closing the account?

I told Ms. Parker to reactivate the account and provide some answers. She simply declined

Yes,,,,,Chase Sucks.....I closed my Credit with them, they are as bad as Bank of America....

Several years ago I paid my gold card balance complete off. Then called and asked Chase to reduce my interest rate. They said they would not. So I said cancel my account, I will use other charge cards. They next month I receive d a statement with a 10.00 balance. I called them and they said this is a insurance charge. I said that the account was cancelled and no one should be allowed to charge to the card. They said that I should call the insurance company that charged the accou nt for a credit. I said that Chase should not allow anyone to charge a cancelled account that was paid off and cancelled.

I called the insurance company, they said that they would issue a credit and no more charge would occure. Well the next month a statement from Chase showed a credit and another charge. I call Chase and the insurance company again. This went on for several months. I finally called Chase and said that I refused to pay any further charges.

Chase filed on my credit. Once they, Chase, get into you pocket you cannot get them out.......

Did someone say Chase Sucks, no they don't they blow hot air in your ear while they solicit you for one of their low rate VISA cards, then after you use it to pay off other debts they blow up your interest rate to a higher rate. So Chase don't suck -------- They BLOW up your interest rates. Chase SUCKS Chase BLOWS any how go with Chase and get SUCKED for all YOUR MONEY

Chalk up another one for Chase. My mother who lives a distance away from me was one day late on her Chase Credit Card Bill. I handle her account and tried to get her ONE day $25 late fee reversed but their Customer Service? ?

Rep at the Credit Card Toll Free Number wouldn't assist me. I explained that my mother was in her late 70's and that she doesn't understand finance that well, but this reasoning fell upon deaf ears. As of today my mother will have to deduct $25 from her Social Security Check.

Thank You Chase.

THEY solicited me, I did not ask them to invade my privacy and come into my home to solicit me, for one of their credit cards!!! How dare they, reject me, and send me notice that I don't deserve one of their stupid cards!! Th ey solicit me...and then they slap me in the face and tell me NO...how dare they...they can keep their censored card!! I have other credit and choices to make for further credit...I don't need them or want them to "badger" me and litter my mail box any m ore...I will take action against them if they send me anymore "garbage" in the mail!! I agree...Chase Manhattan SUCKS!!!!

Chase Bank SUCKS. When receiving my credit card there was no annual fee, now there is. Their interest rate is outrageous. There late fee went from $5.00 to $20.00 and now To $29.00!!!!!!!! Even if you're a day late (like yo u have any control over the mail!) Ad somehow they always get the next day after the late fee is added. I called and said I am going to transfer my balance to a better credit card and all they said was OK. They really care about their customers!!! THE Y SUCK!!!

Well, with such a large institution, there's bound to be a lot of griping. Here's mine, however, and you tell me if the "relationship is right"

First, a preface:

I pay my credit card bill every month, always getting the check to them 1 or 2 days past the magical closing date or whatever, and always get the $29.00 late fee happily added to my statement.

I did not complain, since I can only pay it when I can pay it, and it just happens to be after the due date, although it does get paid every month without exception.

I recently had the need for a credit line increase suddenly, after my mother died. I was not "maxed" out, but had to pay some rather large funeral expenses immediately, and needed the extra cash to do this.

After camping out on the phone for a good 45 minutes, getting shuffled around from one person to another, to get an "EMERGENCY CREDIT LINE INCREASE", I was told to call back, like the next day, at a certain time, etc. And to a different phone number.

Of course, adding to my grief, when I called the next day at the proper time, I was just given a stock answer of "your request was denied, and you will receive the reason why in the mail.

I got the money elsewhere, and took care of what had to be done with my mother's funeral arrangements. Now I hear this recording when I called tonight: "Where the right relationship is everything"

This is a crock, and I will cease doing business very soon with this bank.

I will also tell anyone within 5 feet of me about the way they treated me, and recommend ANY OTHER financial institution to anyone who happens to be within earshot.

Thanks for letting me "vent" a little on your page.

Well I banked with Chase for 6 years and during this time I have never had so much trouble receiving serivce. 10 times during the 6 year period that I had a Chase Visa, they "lost" my payment in the mail, resulting in fines and penalities. Tell me how any company can lose a payment that many times.

During the last few months that I had a Chase card, I received a letter stating that my payment was yet "late" again. I called Chase, and after waiting 45 minutes to get through to the right person, was informed that to prevent my account being turned ov er to credit agencies as slow paying, I needed to send a check by Fed-Ex or, have them draft my checking account.

I set up with them to draft my account and checked back 7 days later and the payment still had not posted to my account. Upon contacting Chase, I was told my account had been turned over to the agenc ies and also during this time, I received my bank statement (before online banking) and would you believe the check I had sent Chase for $1,000 had cleared my bank. Wow!

Then I did further research and the reason that the electronic draft had not taken place was becuse Chase had computer problems and therefore it failed. Although th ey still wanted me to pay the late fee again for their mistake. Go figure.

Needless to say it took me over 4 months to get this whole issue resolved. So I love this website. Please re-consider if you bank with Chase.

Last year, Chase bought out Texas Commerce Bank and I bailed. As soon as they purchased it, the service when down.

I have been trying since April to get my money back from a secured card.

They recieved my check to pay off my account but not the letter stapled to the check?

I wrote a letter to both places, but they never recieved either one?

They acknowledged the second letter two weeks after recieving it and now 67 days later I call to find out when they are releasing my money... guess what?

It's not scheduled. Where is my money and how do I get it back? Who can I file formal complaints too?

Now 66 days after acknowledging my second letter, they haven't scheduled it's release yet!

After receiving Chase balance transfer offer from Chase, I decided to take them up on their offer and used one of their checks to pay a furniture purchase. Guess what? They bounced the check saying that it exceeded my credi t limit. Funny when I received those checks with my statement, nothing was mentioned of that fact. they made me look like a jerk. My wife and I will tear up our Chase cards and urge all to do the same. I will not deal with Chase again.

Chase -Shell Mastercard sucks. 17 months ago they cashed a check for my monthly AOL bill of $9.95 for $995.00!!

I got this straightened out Feb 97 and I cancelled.

Now June 98, they sent me a bill, 14 months after I cancelled, for $985.05! I called 6/30, they said they would take care of it. Iget a bill in July with interest and penalis. I called, they said I need to send in a copy of my bank statement from Jan 97 showing $995 was indeed withdrawn.

I wrote letters, got the statement from my bank and sent it to Chase. August I get a bill with more interest and penalties. I call, and they say I need to send in a copy of my check, front and back. I get check copies from bank and fax in.

Last tuesday (9/1) they leave voice mail asking for statements from 2/98 through 6/98 from my bank.

I just finished wg letters to bank and chase.

Chase Sucks!- They are totally free to bill me for what I do not owe, send letters stating that "good customers pay bills" and I could damage my credit record. This corporation can slander my credit record, when I have done everything possible to help them cort this error.

Is there any credit consumer protection agency that I can get help from?

Chase Sucks!

Regards, Payton

I have been trying to close my account with Chase for over three months now. Despite the company sending me a letter telling me that my account has been "closed", they have continued to allow another company to bill this ac count and keep sending me a balance statement. I have notified the other company three times not to bill this credit card. The point I am trying to make is that Chase has allowed these transactions to occur AFTER THEY HAVE SUPPOSEDLY "CLOSED" MY ACCOUNT !!!

Many phone calls have been made to Chase to try to get this resolved. Their response? My account has been "closed", but until I tell the other company to stop billing this account (I told them I had done this three times already), they will cont inue to authorize the transaction and send me the bill!

They call this a "closed" account?? Does this make sense to anyone? I have filed a complaint with my states' Attorney Generals Office and am about to get started on a letter writing campaign to an y media/person who cares or will listen. Anyone else had this problem? Some of my co-workers who have heard my story think it would be easier to just pay the balance and move on.

This may be true, but sometimes the easiest thing to do isn't necessar ily the right thing to do!

Chase Gold Sucks to be sure!! They charged me 20% interest because they "did not recieve" 3 of my 500.00 $ payments to them. When I tried to correct this with them including sending them copies of the canceled check authoriz ations they still put it on my credit report. We should all get together and start a law suit! Now I am with First USA and they are a hell of a lot better!

Last october, while traveling through europe, chase cut me off in paris and would advance no cash. as this was the last city of my journey, i had no other resources and had counted on the card because i knew i had a line of $1000 cash. (i was only trying to get $100 worth of francs.) i called chase twice from paris and was given two different reasons i was denied: they thought my card was stolen (though i had purchased air and rail tickets months in advance using the card) AND that i had no cash advance line because i didn't notify them of my trip. they would not help me.
when i got back, enraged that i was forced to leave paris at 9 p.m. on a saturday, go back to london and fly home a week early, i called chase again. they said they didn't know what happened, frankly, and did not apologize or follow up. since then, howeve r, i have been deluged with unwanted calls from their telemarketers trying to sell me insurance and such. i have repeatedly told them that i have an unlisted number and to please not call me again. i was awaked again this morning (saturday at 9 a.m.) by y et another telemarketer. they have used and abused me and my account after ripping me off for untold dollars. i am using this forum today because they do not offer one themselves for customer complaints, but i can assure you they will not have my business much longer. They Truly Suck.

Guestbook - Customer Service SUCKS

Below are some of the comments posted since the website's inception in June 1998.
Prepare to be shocked.

If you'd like to post a comment, go Here

Chase Bank Sucks HOME

Just wanted to add a short complaint about Chase Auto Financing: Every time I call, the computers are "down." Every time I call, I get a different story about how a check from cancelling my extended warrenty from Saturn can be applied to my balance (as a payment with the remainder to the principal or just to the principal). Now they think I didn't make my last payment.

When I tell them what the last person told me, I am scolded like a child because it was wrong! Every time I leave a message for someone to call back, they don't.

Now I am trying to find out what I owe on my car so that I can pay if off with a loan from my dad because I refuse to pay interest to THEM (I'd rather he have the money/interest). However, nobody even seems to agree on the exact amount so that I can write the check and be rid of them!

I have found this site and I am composing this note while sitting on hold for Chase. I have already been cut off once. To make a long story short, Chase promised me free checking if I had my paychecks directly deposited into my checking. I took the offer.

The very first month I started getting fees, I went in to my friendly branch. They promised to take care of it. Next, month more fees - between $10 and $25 each month!!! Once again, they promise to take care of it for me. No such luck. Next month, nearly the same thing.

Except now they take my number and say they will call me back. They NEVER do..

I tried the Chase 1-800 number. They apologised up and down and said "no more fees". Thsi month I got $10 worth on my statement with a promise of fees next month of $25. This is for a simple CHECKING account. Apparently, checking should cost between $150 and $250 per year.

How pathetic is Chase? Their reps are illiterate (as is evidenced by their posts here), rude and very poorly trained in any facet of customer service. I work with up to 50 different banks (with an online banking firm). Of all the banks I deal with, Chase Manhattan is by far the worst. No one has a clue, and could really care less.

"The right relationship is everything", my a--. I get dropped every other time I call their support line - isn't that cool?

>>> April 8, 1999

Emily R. Mersich 328 S. Spring Ave., Apt. #2 Greensburg, PA 15601

Chase Bank Collections Dept. Manager

Dear Sir or Madam:

My reason for writing you is two-fold: a formal request and a formal complaint. I will address the complaint first because it directly leads to my request.

On the afternoon of April 7, 1999, at approximately 4:20pm, I received a phone call at work from Miss Butler. As she identified herself, I politely interrupted her and asked that we continue this conversation later and made the request to not be contacted at work ever again. At that point she continued to try and address the matter at hand when I stopped her again and thanked her for her time. She was rude and talking over me saying that that is ok if I didn't want to talk, she'll "just call my supervisor or personnel department for the personal information" she needs. Because she was not honoring my request to not be harassed at work, I hung up the phone. She proceeded to call back and reach another of my co-workers and request the name of my supervisor and to be connected with her. When she was told that my supervisor was not available, she left her number and name and a message that "We'll give Emily one more chance, give her my number and tell her to call me." I called her back shortly after to state once again that I did not want to be contacted at work and that we could discuss my account later if she called me at home. She asked me for my address at that time which I refused because, again, I was at work and did not wish to discuss my situation there. Then she rudely said again that she would contact my personnel department to get this information. I was later called into my supervisor's office and asked if there was a problem. I then had to shamefully explain my personal situation to her and assure her that these types of interruptions will not occur again. And before I made it home from work that day, there was a message on my answering machine from Miss Butler stating this: "Emily, I just want you to know I have your address - 3 2 8 South Spring Ave. Apt # 2, thank you". She did not identify herself or leave a telephone number. It was very rude and uncalled for.

Now certainly you wouldn't want any of your employees receiving personal phone calls at work when you are paying them to do a job; neither does my employer. And furthermore it is none of any of my co-workers (superior or not) business what my financial situation is. I resent your company's bold attempt at collection through humiliation. However, I tell you, in this case it will not work. I am aware of my rights as a credit holder and have discussed this situation with my attorney. He will be contacting you shortly concerning my account.

This leads to my formal request. I wish not to be contacted at work, ever, for any reason whatsoever. This is a third request to not be contacted at work. I will now make the request also to not be contacted at home by phone. Please make any necessary contact with me through the mail at my address above.

Sincerely,

Emily R. Mersich

It was my intent to publish a Web Site about being rudely treated by Chase Manhattan Bank, and their consistency to constantly "lose" payments, but I see you beat me to it! BRAVO to you, and this site. The payments that were "lost" were not lost, they had cashed my checks [cleared, cashed, and back in my possession] but conveniently could not get them posted to my account. They then called me to inform me that my payment had not been received! This happened several months within a 12 month period!

Inept does not begin to describe Chase, and their customer relations. I was told by a customer rep. that she did NOT have to listen to my concerns....and she hung up on me. I have spent hours on hold, and have endured being transferred from one mindless twit to another. All of them had not one clue as to why they were there in Chase's employ, other than to tell me that they could not address my problem.

Rather than to run the gamut any longer with the brain-dead, I am refinancing with a CREDIT UNION. I would strongly advise anyone contemplating doing business with Chase bank, not to do so.

Yes, it is true that Chase's customer service and other departments are SEVERLY lacking.

They consistently ignored the fact that they opened two accounts when I only requested one, specifically a gold card account of which I was highly qualified.

Citbank has only recently somewhat improved THEIR customer service.

However, My experience at BofA has been awesome and FAR exceeds other large banks. They underwent dramatic changes and educated their customer service agents very well. They also accept the fact that they make mistakes and give the benefit of the doubt to their customers...not bad for big banking!!!

The whole problem is based on a company's strengths and weaknesses in defining and tolerating "BAD" customer service agents. Many large corporations would rather put up with complaints than pay to "LET THESE WORKERS COLLECT FRIVOLOUS SUIT MONEY!" or "UNEMPLOYMENT BENEFITS"

It seems like CHASE really doesn't care about their customers and having the same last name is a disgrace, specifically in the fact that my family is related to Samuel Chase who signed the Declaration of Independance...

I'm sure Sam wouldn't be too thrilled at having his name associated with that bank's negative attitude.

I love your site! It will be so much better if you start including Chase horror stories that people e-mail you. I read about your site in a news story on news.com.

I had the unfortunate experience of having to deal with the Chase Manhattan branch on Broadway in Manhattan between 90th and 91st streets. I worked for a small business that made deposits in the branch every day, and I got a chance to witness Chase's inept operations on a daily basis. After two years of long lines, completely incompetent tellers and customer service agents, I realized that the thick bullet-proof glass is in no way installed in Chase branches to deter robberies. It's to keep customers from leaping the counters and strangling the incompetent employees that Chase foists on its customers.

Keep up the fight!

Jeff Rutherford

When I was 12 I got cussed out by a Chase Bank claims representative because I told him for the 10th time my dad "could not come to the phone."

He gave me just about every expletive I had heard of...

All because my dad doesn't get off of work till 5:30 and he always called at 4. Our lawyer said we couldn't do anything, because I didn't record the conversation. Shucks!

LOVE the site, keep it up!

yes, Chase does suck. Their customer service skills are very poor. Try citibank. We care about our customers financial needs. And to the girl that thought citibank "sucked", learn to balance a checkbook. Banks normally work better for you when you do.

If faithful chase employees spent more time on customer satisfaction and less time playing around with Alexa and the Internet maybe there wouldn't be a need for a chasebanksucks website.

After calling 2 different 800 numbers for Chase Manhattan Bank -- I got stuck in two endless computer voice loops without ever talking to anyone or being able to order their "frequent flier miles credit card" -- So I thought I'd request the application via internet and found your site -- what bank do you recommend ?

I have filed a lawsuit recently against Chase & would like to network with others who also have complaints about their lack of customer service and their failure to live up to the promises that they made to obtain and keep you as a customer.

I bank with Chase on 14th and 7th. I also tried to reach my bank through Serviceline and was told they "couldn't connect me to the branch." What kind of "Right Relationship" is this???? Another extremely pissed of Chase Customer (but not for long)

Their phone system has now gone over the edge so that you cannot even call your local branch. You must call New York and get caught up in their voice mail nightmare. Also, the phone listing in CT is not even correct. I am now disabled and they insist there is no way for me to wire funds without going to the branch office. Other banks allow you to do that over the phone, especially when you have online banking, as I do.

I was called at my office as part of a small business service survey relating to branch operations. While I was given several opportunities to say that Chase sucks, the survey itself sucked so bad that I had to end it midstrea m. Every response I gave was methodically read back to me while being typed in! It seemed designed to limit the amount that I could communicate. I suggested that they should have someone transcribe the info later rather than alienating the person giving them valuable information. While the person surveying me was brain dead, she was at least pleasant enough when I told her the survey sucked too much to continue with.

That bank SUCKS SO HUGE. I had an account with Chase Bank. I had direct deposit. I made that mistake corrected when I found out that they were putting the money in someone else's account and tried for two months to tell me i requested this.

After five months of this touture I went into the branch and found a manager and after two hours of me screaming at the top of my lungs they concluded that I was right.

Gee, take a man's money and he might get upset

I have been told of three places to complain: Controller of Currency Compliance, Federal Deposit Insurance Coorporation and the Federal Reserve of San Francisco. I intend to follow through on filing complaints to all three. I called this morning for an update on my account and was told " an investigation has been filed, I should get the results next week". All I want is my money back! Now I am told 60 days means 60 - 80 business working days. That is not what is in print!

You Chase employees who visit this website, I feel sorry that you are employed as such as "sucky" corporation.

The job market is good - so get out now!

I want to voice my utter disapproval of the employees at chase manhattan bank. I am an overweight homosexual male in my mid-thirties. Last week when I went to the bank to make a withdrawal, the clerks refused to look at me, fidgeting all the while. When I inquired as to why I was being treated with such impunity, the teller told me that I should "shake my fag ass out the door and take my banking elsewhere."

I have written several letters of complaint, but I've yet to recieve a reply. Now, my only hope is that the operator of this website might forward my gripe to the proper authorites. New York's gay population must unite and smash the fascist oppression at Chase Bank.

Texas Commerce Bank used to be a generally friendly bank until consumed by CHASE. Quite frankly, I think it's just the New York attitude...

Below are some of the comments posted since the website's inception in June 1998.
Prepare to be shocked.

If you'd like to post a comment, go Here

Chase Bank Suck HOME

I just want to add my experience to the list. I decided to trade my old car on a new Honda Accord. The dealer encouraged me to lease it. So I did. I was directed to Chase Automotive Finance and the dealer handled the leasing arrangements. To make sure I made my payments on time I signed an agreement to allow Chase to arrange with my bank to withdraw the monthly lease payment directly from my account. Everything went great until the 36 months was up.

Chase sent me a notice inviting me to buy their car at the suggested fair market value at termination. I had some extra cash and decided not to purchase the old car, but rather to buy a new car.

Much to my surprise Chase removed a monthly payment from my bank account after the lease expired. They sent a local transporter agent to pick up my leased vehicle early one morning. Three men went over the exterior of the car while my husband watched. The car was in excellent condition and they could only find two very small scratches. They and we signed an acknowledgement of these two scratches. A few days later I got a billing from Chase for $300.00 for not purchasing the car. The fee was setforth in the lease contract under the heading "Early Termination". Of course I was not planning to terminate the lease early so did not realize the $300.00 was going to be charged just because I did not buy the car. Chase added an additional $770.00 for 12 dents and scratches they claim the car had. Then according to the lease they deducted $100.00 of this making the damages $670.00. Of course 10 of those dents and scratches did not exist. Then they added $41.88 on for taxes. As I say, the car was in excellent condition. I had driven it 15,000 miles less than the lease called for and always kept it in our garage.

I wrote the top Chase management complaining of this $1,011.88 charge. My husband came across this Chase complaint site and decided any complaint was a lost cause. He called and luckily managed to negotiate a $270.00 reduction with the leasing department and I quickly paid the bill. Later, true to form I received a letter from the Chase officers demanding full payment. They were unaware that the matter was settled by their underlings. I had pictures and witnesses that there were only 2 small scratches. However, they could have concocted up all kinds of mechanical defects and I could not have defended against that.

THEREFORE, MY ADVICE IS BE VERY CAREFUL ABOUT LEASING A CAR. MAKE SURE THE LEASING COMPANY IS ETHICAL AND TAKE A COPY OF THE LEASE HOME AND READ IT AND ASK QUESTIONS AND BY ALL MEANS DO NOT LEASE A CAR FROM CHASE MANHATTAN AUTOMOTIVE FINANCE, A DIVISION OF CHASE MANHATTAN BANK.

They are a large company and they know they can just run over the little customer, but I have a hunch, if this attitude continues, the little customer is going to one day fight back and put them out of business. This site is a good place to start!

I was forced to use Chase for an Auto loan.

One problem with Chase is that they use non-native English speaking people, that do not understand American English or can speak Americian English. When I am talking about money I want to know exactly what the terms of the loan are going to be.

Another problem is that the front desk people do not know anything about exact terms of the loan. I am told by a supervisor that the people that set up the loan application are not trained to know those things.

Other loan companies's application personnel do know exactly what the terms of the contract are at the time of application.

When I borrow money, I need to know the exact terms of the loan. I tried to do business with Chase Financial three different times.

Poor English + poor information = no bussiness with Chase.

Be aware of processing a new loan with Chase! We were scammed into believing that everything was okay and preapproved! Little did we know that our loan officer never even processed the loan! HUD is now involved in Atlanta, GA and very mad at what has transpired since Chase Manhattan recently bought an existing mortgage company here within the last month!

Beware and Be Safe!!! We lost our HUD house due to a "shady" loan officer and real estate agent!!! Especially, people of metro Atlanta beware.

Repo Man an De Gopher

Gopher is sitting in the garage with a tire iron waiting for de Repo Man. Gopher is very irate.This heinous crime against the Gopher began when Gopher had to crawl to get money from a New York bank, Chase Manhattan, to buy the move over Rover. All went well for 4 years and 11 months. It was the last payment that made no sense at all. You see, there was this automatic debit from the checking account that went on for 4 years and 11 months. Then Chase Manhattan says you must pay this last payment (I assume) by check. Gopher says this is ridiculous. However, Gopher knew that Chase was serious when they slapped another $15 of interest for no payment. Gopher sends a check for said amount to Chase Automotive Finance (accompanied by a few select statements).Three months pass. Chase ManHattan via the agent Catherine Ruiz says in essence - pay now or we will repo the car. Gopher calls, gets the corporate and royal run around. Gopher sends not one, but TWO checks by Certified US MAIL (and keeps photocopies! The total is $1800 to pay a $655 loan balance!By Gophers mathematics - story done. By Chase Automotive shady math, story nuh done. Here comes another letter!So I am sititng in the garage waiting for the Repo Man. I am calling my lawyer. I wan't damages. I am writing the Governor of New York's Consumer Affairs section and I am calling the scandal line Gopher Kay

P.S. The first check was deposited without malice - says Chase Shady ManHattan Automotive Finance (where doing business is quite unpleasant).I tell you it is a plot ... Rent the video - Repo Man - it is awesome.

Beware of the "Good Faith" Estimate Scam!

I recently had a good faith done for a home loan by a Chase Senior Loan Officer (came highly recommended by the Realtors) who stated that he could save me hundreds of dollars on closing costs when compared to two other good faiths I had previously secured. I was amazed until I realized that he had left out the appraisal fee from the closing cost line items (as he requested this up front), but which the other two good faiths had included. Some savings! Should I believe anything that Chase has to say.

Thank God for finding this site before I decided to go with them for a home loan. Thank you, Thank you, Thank you one and all. JS

Well, the tradition of sucky service continues with Chase Home Loans. Once you get put on autopay (automatic deduction from checking account)you no longer receive statements regarding your account.

AND because they sort of misrepresented how the loan payoff would work, if I continue to do the autopay thing for the term of my loan, I will have a balance due of 50% of the original loan.

I have called and called trying to get statements, tried to change my monthly autopay amount, etc., etc. to no avail.

It is quite obvious that they just want me to keep paying the minimum payment. This means MUCH more money for them. DON"T USE CHASE HOME LOANS!!

Sent a check to pay off an auto loan on 11/26. In spite of approximately 10 phone calls and 1 registered letter, but was not credited until 1/6. Of course, they are trying to charge me a couple of hundred bucks interest for the "late" payment.

They several times promised to call me back; and didn't.

They several times didn't have a record of prior calls and prior promises they made.

Nice people individually, but collectively they couldn't handle running an elevator!

I AM HOPING SOMEONE CAN HELP ME WITH A PROBLEM WITH CHASE'S AUTO LEASE DEPT. AFTER TURNING IN MY 1996 JEEP TO LEASE A NEW VEHICLE I PAID OFF THE EXISTING LEASE AND LEFT THE JEEP AT THE DEALER THAT I PURCHASED THE NEW CAR FROM APPROIMATLEY ONE MONTH LATER I GET A LETTER FROM CHASE STATING THAT I OWE $3853.30 FOR VARIOUS PROBLEMS WITH THE JEEP FIRST ONE BEING $200.00 FOR CLEANING THE CARPETS IN THE JEEP (WHAT HAPPENED TO NORMAL WEAR AND TEAR?)(AND JUST A TAD STEEP) AND ALSO $300.00 DISPOSITION FEE (YOU GIVE THEM THEIR CAR BACK SIX MONTHS EARLY, PAY FOR THE SIX MONTHS AND THEY WANT TO CHARGE YOU ON TOP OF IT ) THEN THEY GOT INTO BODY DAMAGE, $200.00 FOR A DENT ON THE HOOD(IT WAS THERE SO I HAD NO PROBLEM WITH THIS)

THEN CAME THE BOMB $1502.70 FOR DAMAGE TO THE LEFT REAR DOOR (THRE WASN'T A SCRATCH ON THAT DOOR WHEN I LEFT THE DEALER)SO I CALLED CHASE AND TRIED TO EXPLAIN THAT THERE MUST BE SOME KIND OF MISTAKE I WAS TOLD THAT THE CAR HAD ALREADY BEEN REPAIRED, I COULDN'T UNDERSTAND HOW THIS WAS POSSIBLE. WELL TO TRY AND SHORTEN THIS I HAVE SPOKEN WITH ABOUT SIX DIFFERENT PEOPLE TRYING TO RESOLVE THIS AND WHILE I HAVE BEEN DOING THIS I WAS TOLD THAT THE DEBT HAD BEEN CHARGED OFF AND THAT IT WAS NOW ON MY CREDIT AS A BAD DEBT. MAYBE I WAS IGNORANT AS TO HOW TO HANDLE THE TERMINATION OF A LEASE BUT DONT WE AS CONSUMERS HAVE ANY RIGHTS AS FAR AS A COMPANY SUCH AS CHASE HAVING TO PROVE THAT THESE REPAIRS THEY ARE TRYING TO CHARGE ME FOR WERE REALY NECESSARY.

THE LAST COMMENT I GOT FROM THE RECOVERY DEPT. WAS EITHER PAY IT OR IT WILL GO TO A COLLECTION AGENCY.IT SURE SOUNDED LIKE A THREAT.

I THEN TRIED TO TALKED TO A SUPERIOR AND PROCEEDED TO GET REFERRED TO SIX EXTENSIONS FOR PEOPLE THAT WERE ON VACATIONWHOSE VOICE MAIL WOULD REFER YOU TO SOMEONE ELSE WHO WAS ON VACATION. THANX FOR THE SITE AND ANY INFO THAT ANYONE MAY BE ABLE TO OFFER, WOULD BE GREATLY APPRECIATED.

Chase stands alone as the worst customer service organization I've ever dealt with. For 5 months, I've been attempting to re-establish (due to a change of address) automatic payment on my auto loan. Over this span of time, I've talked to 7 service representatives and two "supervisors". In each case, they are "sure" that it is straightened out...but it never is.

Most recently, I was advised not to mail in the payment coupon, or I would be making a double payment (and I certainly did not trust them to be able to handle that correctly). Naturally, the automatic payment did not take place and I was subsequently charged a late fee and labeled a "late payer". When I talked to the service representative (Sheree), she told me that she couldn't help me because all their computer system were down...a fact that I confirmed was a lie by immediately calling the same number and talking to another service rep who stated the system had been fine all day. On four separate occasions, I've been promised return phone calls. I've never received one.

Frustrated beyond limits, I decided to pay Chase off and be done with them. I called USAA. The phone was answered immediately by a real person, who issued the loan (at a much better interest rate), established automatic payment, and paid my Chase loan for me...all in less than 10 minutes. I'll laugh if anyone ever suggests I bank with Chase again.

Chase sucks the kind of suck that's never before been sucked.....

Just got off the phone with a woman from collections who told me I was two months back on a car payment and they were looking to repossess. I gave her an automatic payment authorization and asked why I had not received anything in writing. She swore they had sent me "lots". Never had a problem with my mail before.. This ignorant, abusive hag wants to take my car without even dropping me a line. I've never been treated so shabbily in my life.

The car will be paid off shortly and my business with these obnoxious weenies will be over forever. Chase sucks!!!!!!

The loan officers at Chase are incompetent, inept, incosiderate and incorrigible. In a nutshell, they suck!

I just want to add my experience to the list. I decided to trade my old car on a new Honda Accord. The dealer encouraged me to lease it. So I did. I was directed to Chase Automotive Finance and the dealer handled the leasing arrangements. To make sure I made my payments on time I signed an agreement to allow Chase to arrange with my bank to withdraw the monthly lease payment directly from my account. Everything went great until the 36 months was up.

Chase sent me a notice inviting me to buy their car at the suggested fair market value at termination. I had some extra cash and decided not to purchase the old car, but rather to buy a new car.

Much to my surprise Chase removed a monthly payment from my bank account after the lease expired. They sent a local transporter agent to pick up my leased vehicle early one morning. Three men went over the exterior of the car while my husband watched. The car was in excellent condition and they could only find two very small scratches. They and we signed an acknowledgement of these two scratches. A few days later I got a billing from Chase for $300.00 for not purchasing the car. The fee was setforth in the lease contract under the heading "Early Termination". Of course I was not planning to terminate the lease early so did not realize the $300.00 was going to be charged just because I did not buy the car. Chase added an additional $770.00 for 12 dents and scratches they claim the car had. Then according to the lease they deducted $100.00 of this making the damages $670.00. Of course 10 of those dents and scratches did not exist. Then they added $41.88 on for taxes. As I say, the car was in excellent condition. I had driven it 15,000 miles less than the lease called for and always kept it in our garage.

I wrote the top Chase management complaining of this $1,011.88 charge. My husband came across this Chase complaint site and decided any complaint was a lost cause. He called and luckily managed to negotiate a $270.00 reduction with the leasing department and I quickly paid the bill. Later, true to form I received a letter from the Chase officers demanding full payment. They were unaware that the matter was settled by their underlings. I had pictures and witnesses that there were only 2 small scratches. However, they could have concocted up all kinds of mechanical defects and I could not have defended against that.

THEREFORE, MY ADVICE IS BE VERY CAREFUL ABOUT LEASING A CAR. MAKE SURE THE LEASING COMPANY IS ETHICAL AND TAKE A COPY OF THE LEASE HOME AND READ IT AND ASK QUESTIONS AND BY ALL MEANS DO NOT LEASE A CAR FROM CHASE MANHATTAN AUTOMOTIVE FINANCE, A DIVISION OF CHASE MANHATTAN BANK.

They are a large company and they know they can just run over the little customer, but I have a hunch, if this attitude continues, the little customer is going to one day fight back and put them out of business. This site is a good place to start!

I was forced to use Chase for an Auto loan.

One problem with Chase is that they use non-native English speaking people, that do not understand American English or can speak Americian English. When I am talking about money I want to know exactly what the terms of the loan are going to be.

Another problem is that the front desk people do not know anything about exact terms of the loan. I am told by a supervisor that the people that set up the loan application are not trained to know those things.

Other loan companies's application personnel do know exactly what the terms of the contract are at the time of application.

When I borrow money, I need to know the exact terms of the loan. I tried to do business with Chase Financial three different times.

Poor English + poor information = no bussiness with Chase.

Be aware of processing a new loan with Chase! We were scammed into believing that everything was okay and preapproved! Little did we know that our loan officer never even processed the loan! HUD is now involved in Atlanta, GA and very mad at what has transpired since Chase Manhattan recently bought an existing mortgage company here within the last month!

Beware and Be Safe!!! We lost our HUD house due to a "shady" loan officer and real estate agent!!! Especially, people of metro Atlanta beware.

Repo Man an De Gopher

Gopher is sitting in the garage with a tire iron waiting for de Repo Man. Gopher is very irate.This heinous crime against the Gopher began when Gopher had to crawl to get money from a New York bank, Chase Manhattan, to buy the move over Rover. All went well for 4 years and 11 months. It was the last payment that made no sense at all. You see, there was this automatic debit from the checking account that went on for 4 years and 11 months. Then Chase Manhattan says you must pay this last payment (I assume) by check. Gopher says this is ridiculous. However, Gopher knew that Chase was serious when they slapped another $15 of interest for no payment. Gopher sends a check for said amount to Chase Automotive Finance (accompanied by a few select statements).Three months pass. Chase ManHattan via the agent Catherine Ruiz says in essence - pay now or we will repo the car. Gopher calls, gets the corporate and royal run around. Gopher sends not one, but TWO checks by Certified US MAIL (and keeps photocopies! The total is $1800 to pay a $655 loan balance!By Gophers mathematics - story done. By Chase Automotive shady math, story nuh done. Here comes another letter!So I am sititng in the garage waiting for the Repo Man. I am calling my lawyer. I wan't damages. I am writing the Governor of New York's Consumer Affairs section and I am calling the scandal line Gopher Kay

P.S. The first check was deposited without malice - says Chase Shady ManHattan Automotive Finance (where doing business is quite unpleasant).I tell you it is a plot ... Rent the video - Repo Man - it is awesome.

Beware of the "Good Faith" Estimate Scam!

I recently had a good faith done for a home loan by a Chase Senior Loan Officer (came highly recommended by the Realtors) who stated that he could save me hundreds of dollars on closing costs when compared to two other good faiths I had previously secured. I was amazed until I realized that he had left out the appraisal fee from the closing cost line items (as he requested this up front), but which the other two good faiths had included. Some savings! Should I believe anything that Chase has to say.

Thank God for finding this site before I decided to go with them for a home loan. Thank you, Thank you, Thank you one and all. JS

Well, the tradition of sucky service continues with Chase Home Loans. Once you get put on autopay (automatic deduction from checking account)you no longer receive statements regarding your account.

AND because they sort of misrepresented how the loan payoff would work, if I continue to do the autopay thing for the term of my loan, I will have a balance due of 50% of the original loan.

I have called and called trying to get statements, tried to change my monthly autopay amount, etc., etc. to no avail.

It is quite obvious that they just want me to keep paying the minimum payment. This means MUCH more money for them. DON"T USE CHASE HOME LOANS!!

Sent a check to pay off an auto loan on 11/26. In spite of approximately 10 phone calls and 1 registered letter, but was not credited until 1/6. Of course, they are trying to charge me a couple of hundred bucks interest for the "late" payment.

They several times promised to call me back; and didn't.

They several times didn't have a record of prior calls and prior promises they made.

Nice people individually, but collectively they couldn't handle running an elevator!