A Chase branch mgr mocked me and laughed at me today, in public!

[grasswire]

I have a business account at a Chase suburban branch. I went in to make a deposit and dispute an overdraft charge of $35. They charged the fee because a restaurant added a tip to a sale after the fact and the tip overdrafted the account by $4. I recall that when the account was opened in the summer I did not want overdraft protection for debit purchases.

In my discussion with the teller (who was very professional) the manager came by and got into the conversation. I mentioned that over a period of several days the detail of the account shifted several times as the bank re-ordered the transactions each day.

She got hot under the collar, and denied that Chase does that. I said "we know what banks do, and some of them are under court order or criminal investigation for their practices."

She laughed out loud, mockingly, like a horse laugh. She shook her head to indicate that I was an idiot, and stomped off.

I think I will report this to customer service at HQ.

[Dawson Leery]

1. Report it.

[Liberal_in_LA]

15. +1

[EFerrari]

18. To whom? She was defending company policy.

Save the effort and go to a credit union.

[WinkyDink]

34. Really? A laugh in one's face is a "defense"?

[EFerrari]

58. I'm no saying she was right or even civil. She was doing the job, though.

Reporting her is just talking to people over her head who gave her the policy to implement.

[crim son]

84. I disagree.

If she were doing her job she would either present information invalidating the accusation, or she'd offer to investigate, or she'd withdraw and turn the matter over to somebody who knew how to handle an unhappy customer. If I were an employer, she'd be gone. I'm SICK of what passes for decency these days, and wouldn't encourage it.

[EFerrari]

88. Well, I agree with all of that but that isn't the way banks seem to operate

any more. They basically have us and they know it.

I remember when my mom's bank used to call her and say, "Mrs C, it looks like your account may be overdrawn at the end of the day. You might want to come in and make a deposit before 5." And when people like this woman would have been toast before her next break.

That's just not how they do business any more.

[crim son]

93. It isn't, but it could be

if business was motivated by more than making the greatest possible profit - if greed weren't considered a virtue.

[burnsei sensei]

115. Actually, it's called an appeal to ridicule.

It's also an indication that power trumps authority in the mind of the user.

[SteveM]

73. No, she was getting her "rocks" off. Report it to everything in sight.

[valerief]

97. That's the best suggestion! nt

[Creative]

109. Absolutely, credit unions are the only way to bank.

[rambler_american]

116. Credit Unions rock!

I'll never use a bank again.

[MurrayDelph]

126. The credit may be company policy

being an asshole about it probably isn't.

I have left many banks over the years (and credit unions are not an option for me at the moment), and have always made sure they knew WHY I was leaving (It used to be fun when I had to go back to the bank who has my mortgage. Every month when I came in to pay the mortgage, they would ask why I was not banking with them. And I would see the disapproval when I explained it).

I don't think banks will get better, but if we don't call them out on why we leave, there is no reason to expect them to change.

[mkultra]

50. report it to the federal reserve

If they are engaging in crimes

http://www.federalreserveconsumerhelp.gov/consumercomplaint.cfm

[Q3JR4]

78. Report it yes -- This info could help.

All banks have federal regulators that oversee them. That regulator may change depending on where the branch you're dealing with is located, though, so you'll have to find a place online that will let you directly search.

If the bank doesn't budge you might follow the directions located on this link http://consumerist.com/2009/12/chase-eecb-drops-apr-from-26-to-9-gets-fees-refunded.html and contact the executive customer service agents and see what they tell you.

If you never opted into overdraft protection you might have a case to sue the bank in small claims court (if the above doesn't work). That's the final thing I'd do if the bank kept giving me the runaround since most of them would rather eat the $35+$45 filing costs instead of paying an attorney $100 an hour to defend their interests in court.

Just saying..

Q3JR4.

<sub>Small Claims Court http://consumerist.com/2007/03/how-to-take-your-case-to-small-claims-court.html">link 1 http://consumerist.com/2008/01/suing-big-companies-in-small-claims-court-is-fun-and-easy.html">link 2.

http://www.ncsc.org/Information-and-Resources/Browse-by-State/StateCourtWebsites.aspx#State">State-by-state links to filing in Small Claims.</sub>

[molly77]

114. Please report her.

[villager]

2. why keep your money there instead of the local credit union?

:shrug:

[jobycom]

Because most local credit unions are shit, too.

I switched from Chase to a credit union here in Austin. I couldn't tell you which was worse. I wouldn't treat people I hated the way either does.

[hlthe2b]

6. Exactly... I haven't used a bank in more than 20 years...

God knows I have never looked back. Locally owned credit unions are the answer.

[jobycom]

7. I was saying the opposite. nt

[hlthe2b]

12. I don't know how anyone could choose banks over credit unions.

I really don't. I've participated in five of them over the years. All locally owned or controlled by members.

[madinmaryland]

19. I had a CU treat me like shit when I joined and wouldn't even give me

an ATM card. Went to SunTrust and got one that day. Never have had a problem with SunTrust.

At the CU, everyone seemed to have something stuck up their ass, and made it difficult to just talk to someone.

[jobycom]

22. Lucky you. But being a CU doesn't automatically make them good.

I'm still using a CU now, but I'm not happy with it.

[martymar64]

100. Which CU is it? I'm here in Austin too.

I just want to make sure I avoid them if they are difficult to work with.
Thanks in advance!

[Bluenorthwest]

38. I loathe my Credit Union, associated with my Union

They are without a doubt the rudest, least professional financial people I have ever, ever dealt with. Sorry about that. I am right now writing to my Union about the CU, as our name should not be associated with such practices. I would not trust them with any additional services, and I intend to close my savings with them as well. The Chase manager in the OP sounds sweet and able compared to what I dealt with at the CU.
There is no difference at all that I can see. Except that that the CU seems to treat people with a huge level of disregard for common practices and courtesty.
Thanks for reminding me to close that account today.

[rbixby]

46. My experience with a CU has been very different

After applying for a loan that I later learned I didn't qualify for, a personal banker called me up and helped me figure out how to make everything I needed to happen happen, and then, about 6 months later called me back to check in.
I've also always been treated nicely at any branch of the CU that I've gone to, no matter what type of transaction I was making. I guess there's good any bad in any group of anything. I'm sorry your experiences have been so bad, mine have always been very good.

[jobycom]

61. I think the basic lesson is that you have to go by experience, not by labels.

I've had terrible CUs, and good banks. I've also had terrible banks and one great CU (Pentagon Federal, out of DC--you can join it if you join a military support group even if you've never served, but it's too far away for me to use as for regular banking. In fact, I've had experiences similar to yours with their helpfulness).

Just being a CU or being locally owned doesn't make it better. Locally owned in Texas often means it's owned by the same people who elected Bush, Perry, and DeLay. :) You have to shop around.

[pipi_k]

118. Pen Fed...

I have a couple of accounts there too, and they're great.

One time they screwed up and when I called them they were very polite and fixed the error immediately.

I also have a couple of accounts at a local CU, and a local bank.

Never had a problem with any of them.

:)

[TheMadMonk]

124. Dunno about there, and it was admittedly a long time ago, but last time...

...I tried to open a CU account here in Aust., I was told I needed to open with a minimum ballance (about two weeks income for me IIRC) and if I did not maintain a minimum ballance I would be charged disproportionately high fees.

I can understand the reasoning, after all a credit union is essentially the financial equivalent of "barn raising" in the Amish communities. Everyone has to put in, and everyone benefits. However, it does mean that credit unions may not always be accessible to smaller depositors.

[Wednesdays]

9. I can vouch for that

The credit unions here in Oklahoma have pretty much the same rules as banks, if not harsher. $29 per item overdraft fees, and so on. We prefer doing business with the bank, since they at least allow you to "catch up" your account by the end of the business day. With the credit union, any item that is presented to them is processed instantly, meaning you're assessed overdraft charges the moment it hits your account.

I once asked the credit union for a printout of my past months' transactions, and they charged me $3! Three bucks, just to look at my balance sheet!

Charge 'em for the lice, extra for the mice,
Two percent for looking in the mirror twice;
Here a little slice, there a little cut,
Three percent for sleeping with the window shut!

:argh:

[Mortos]

17. I love MECU in Oklahoma City (Municipal Employee's Credit Union)

The downtown branch knows my name and the employees treat me great. They provide excellent customer service and have underwritten several loans for me with very low interest rates (my vehicle loan is a 3.9%). I have overdraw protection on my checking/debit account and I use it often. It costs me a few dollars when I use it. I would never bank at one of the huge banks. I am very happy with my local credit union.

[jobycom]

23. Yeah, that's the experience I've had, too. Except my CU charges $40 for an overdraft.

Not that I make a habit of those, but that's the worst of kicking someone when they are down, and the APR has to be higher than the average payday loan, considering they can charge you $40 for a $2 overdraft that you pay back later that day. And as you say, my CU treats charges instantly, and I've even had them charge me an overdraft on on item submitted AFTER the deposit. Luckily I got them to reverse that by showing them the deposit slip, but it was an hour out of my day I shouldn't have had to spend.

And they do charge for everything. Mine used to charge for deposits through a teller. $2 a deposit through a teller--I get paid weekly and don't have access to direct deposit. They finally stopped that, at least.

They are still better than Chase, but I've had other banks that were a lot better.

[kenfrequed]

81. uhm.

The reason Banks let you 'catch up' by the end of the day is not anything resembling benevolence. The real reason is so they attempt to pile up your debits on your account and then run them through in order from highest charge to lowest. It is an effort to create as many overdraft fees as possible when someone screws up. Banks make money on overdraft fees. Some banks will even delay payment or hold onto debits over a few days in order to trip you up and maximize fees.



Credit Unions have percise rules and usually cash things (for good or ill) as soon as they come in.

[ananda]

11. I switched to UFCU here in Austin.

It's been great!

[jobycom]

21. That's the one that's been driving me nuts.

Customer service is awful and condescending. I was called a liar openly by one of their phone people over a deposit check I had mailed a week earlier, but that they claimed had not arrived. They reversed the deposit and hit me with a $40 fee, causing another check to overdraft for another $40 fee. The next day someone there finally found my check sitting on a desk waiting to be deposited. I got the $80 back, but the whole treatment--and complete lack of any apology or admission of guilt--was horrendous. That was one of a string of run-ins I've had with them, over everything from erratic random transaction fees to them charging me an overdraft fee (three, actually) because they counted the deposit AFTER the withdrawals even though I had a slip showing a deposit was made before the withdrawals. I eventually got that one reversed, too, but it took a while.

They use every trick in the book to skim every cent they can from you, and play the same corporate games Chase does. And I had experience with both. I left UFCU to go to Washington Mutual, and liked them for two years, until they were sold to Chase. Chase was so dirty I went back to UFCU because the account was still open, and now I'm really not sure which gave me the most headaches.

Their loan rates are a bit high, too.

[ceile]

43. Give ABC a try

American Bank of Commerce out of Lubbock. They have 4(?) branches in town. My man and I always try to go with TX companies and this one in particular has paid off. The customer service is stellar. I can't say enough nice things about the manager at the south branch- above and beyond service. Not sure about loan rates though...

[jobycom]

57. Thanks.

I've gotten good recs from you before. I'll look into that. :)

[ceile]

113. So off topic- Did you try the IGA? n/t

[PSzymeczek]

125. I do love me an IGA store.

I went to school with a guy whose family owned one.

[SteveM]

76. Never had any of those experiences. Always been well-treated. nt

[SteveM]

75. I agree; see above. nt

[hobbit709]

26. You must not belong to the same credit union I do.

The one I'm with has always treated me well, they even helped me through some of the legal crap after Donna died. Of course Wheezie thinks the sole purpose of the drive-through is to be an automatic dog biscuit dispenser.

[jobycom]

63. Mine's UFCU.

Speaking of drive-thrus, I was forced to make an in-person deposit today, and just spent fifteen minutes sitting in a one car line.

My point isn't that all CUs are bad, just that they aren't automatically better just because they are CUs.

[hobbit709]

127. Mine's A+ formerly Austin Area Teachers

[Roland99]

66. Here's a nice link to find a local credit union

http://creditunionaccess.com/

[SteveM]

74. In Austin I have always had good luck and treatment with...

University Federal Credit Union. A live person phones me when I am late, thus heading off the "new math" penalties the CC's always hit others with.

[jobycom]

87. See my post #21. nt

[kenfrequed]

80. Err..

I switched from a big bank and have both an account at a small bank and a seperate account at a credit union. Both are better than the big bank, but I would say that Credit unions are probably the best.

Maybe you could explain why 'credit unions are shit'?

[jobycom]

86. Already did, in several of my responses. nt

[kenfrequed]

94. If you are referring to #21

Then I would have to point out that big banks and small banks use every trick in the book as well to collect fees. I just don't see the difference. If anything I find that credit unions are far more up front about their rules regarding credits and debits. Some of the rules may be stricter but there is less fine print regarding them.

Sometimes the staff at these establishments are a little rougher around the edges, but this doesn't bother me nearly as much. I do not expect every encounter with an employee of to have a perma-grin affixed to their face. And I have had to help people through more than a few rude banks as well.

As I have said before, I find Credit Unions are far more fair, and far more open to appeals than most banks. Smaller banks also tend to be far more personable and far more fair in their treatment of the customer.

Large banks tend to be bastards and often have little room in their hearts for mercy or forebearance, and their rules tend to be far shadier with many times the fine print.

[crim son]

85. I use a Maine-based bank

and have never been treated better. They'll still screw you if you bounce a check, but they'll do it in person and according to agreed-upon rules. I'll never go back to Schwab or TDWaterhouse.

[Missy Vixen]

112. I was at our credit union this afternoon

I drew money out of our savings account to pay for DH's Christmas present.

Our credit union, Qualstar, has been outstanding, and we've been with them for over 10 years.

I hope I never, ever have to put our money in a bank again. It's credit union for us. There is no other option.

[grasswire]

5. the original reason was because our major clients are chase customers...

....and banking at chase means no matter where they happen to be in the world they can just transfer funds into our account and the bank will not hold funds. They clear immediately.

[Lorien]

49. Credit unions aren't the only alternative. Small local or regional banks

often do a good job-better than my former credit union, anyway.

[davidwparker]

65. Sing it.

I did this when the bank that I deal with showed up on the bailout list.

MOVE YOUR MONEY to a credit union.

[rhett o rick]

3. Move your money. nm

[femrap]

4. Tell the CEO

Jamie Dimon to kiss your ass. There is no such thing as customer 'service' anymore. It's 'dis-service.'

[Q3JR4]

79. Good idea, you might try

Jamie Dimon Chairman & Ceo
Phone: [phone]
Fax : [phone]
E-Mail Address: [e-mail]

Charlie Scharf CEO Retail Financial Services
Phone: [phone]
Fax: [phone]
E-Mail Address: [e-mail]

Gerald A. Smith CEO Credit Card Services
Phone: [phone]
Fax: [phone]
E-Mail Address: [e-mail]

Marc Sheinbaum CEO-Retail Auto and Education Finance
Phone: [phone]
Fax: [phone]
E-Mail Address: [e-mail]

or

David B. Lowman CEO Home Lending
Phone: [phone]
Fax: [phone]
E-Mail Address: [e-mail]


Granted this information comes from 2008 so some of it may have changed since then, but there it is anyway.

Q3JR4.

[femrap]

82. thanks! nt

[Skittles]

8. GROSSLY unprofessional

REPORT HER

[BuelahWitch]

30. I agree, report her to corporate

A few years ago my branch of US Bank messed up a deposit I made on a Friday. I went in on Monday before work to resolve the situation and be sure I wasn't hit with any overdraw fees because I had funds to cover what was coming in. The branch manager treated me like it was my fault and told me she couldn't guarantee that wouldn't happen unless I could cough up the $22 I was over in the account. After work that night I called customer service and reported how poorly I was treated and told them I was thinking about moving my account, which I had had for a very long time. I don't know if my issue was the straw that broke the camel's back with this woman, or if she was leaving before, but she no longer works there. it's very possible that I wasn't the only one who had a bad experience with her. Likewise, you may not be the only one who had a bad experience with this manager. Report her!

[thelordofhell]

10. This is what I don't like about stories like these

This person is so pissed off that they feel the need to post the story, yet they won't name names or tell locations? If shit like this happened to me, I'd be posting the names of the teller, the manager and the location of the bank everywhere.

Every other week I read these "I've been fucked over by the industry" stories, whether it's a bank, store, restaurant, etc. and they all have this name no names or locations stench of bullshit story on them. Name names or get off the pot you cowards!!

[Dappleganger]

13. Maybe they don't want to get sued.

Just because names are posted doesn't mean it didn't happen.

But then again, if you don't believe most of the stories posted here just who is the bigger fool, the one who posts them or the one who claims they're false but continues to stay here?

[thelordofhell]

16. If you can sue for getting slagged on the net

You won't need the FCC to help limit the pipes anymore cause there won't be any people left on it to matter. I guess Wikileaks really is brave to name names.

Who says I don't believe in most of the stories posted? I just can't believe they're not naming names and kicking more ass. Wouldn't you if this happened to you?

[obxhead]

14. When did Skinner quit and put you in charge of setting the standards?

[thelordofhell]

20. It's not as if the Chase bank manager posted a "No Negro's" sign

I guess if that happened, we'd know her name huh?

[SheilaT]

24. The main reason I don't use debit cards

is the whole overdraft thing. I've just seen way too many wind up overdrawing the account simply because it's so easy to have happen.

[AlabamaLibrul]

25. "Chase Hit With SEC Whistleblower Complaint Over Credit Card Practices" LOL

[TBF]

27. Close the account - they are criminals. nt

[rucky]

28. I'm sure HQ will get right on it.

:rofl:

[lonestarnot]

29. File a complaint with the Comptroller of the Currency.

[myrna minx]

31. Report the branch manager and tell your story and subsequent actions from the bank

to:
http://consumerist.com/

It's a great site. :hi:

[truedelphi]

110. Thank you for the link. n/t

[nessa]

32. I'm trying to get past the restaurant adding charges ..

Did they add a charge for a tip after you had already signed? Did they re-total it?

I think I'd have a beef with the restaurant.

and I'd change banks.

[Erose999]

40. The restaurant runs the card and places a hold on the account only for the amount of the sale price

When the transaction is cleared, it clears for the full price including the tip that you put on the receipt. Thats just the way its done for some reason, probably a loophole somewhere in the banking regulations that lets them set traps like that for their customers. They know people depend on online banking rather than keeping a balance in their checkbook register. So they make it hard to determine one's exact balance using online banking, and then rack up on fee's.

I like my credit union because everything posts and clears pretty much instantly. I've got the overdraft protection that basically just a $4 fee to transfer money out of my savings account to cover any overdrafts.

The thing I like best about a credit union is that my money is backing my co-workers when they finance their homes and cars, and not going into evil shit like sub-prime mortgages and derivatives trading.

[sammytko]

41. Its not really hard to determine your balance, if you keep a running total somewhere

check register maybe, or one of those nifty little free spending apps, or just a piece of paper, or take out so much in cash, spend that and no more.

[blueamy66]

33. You should have told her

to jump off a 40 story building.

[old mark]

35. Our credit union is great, and we have not used a commercial bank in years...Please investigate

some local credit unions - I am not saying they all are great, but they are different, and you may find one that is just what you need.


mark

[lukasahero]

36. Is no one going to comment on the fact that what the restaurant did was illegal?

If they added a tip "after the fact"?

[nessa]

39. +1 (nt)

.

[Erose999]

42. Thats just the way "tip" transactions are processed. For some reason when the transaction is added

to the account, it only shows the "sale price". Then when it clears it includes the tip. Thats because you're only charged the amount of the sale when you swipe your card and then the tip gets added when someone at the restaurant goes in and enters the reciepts into the system later on. Depending on how often the restaurant processes their card transactions, it could be several days between when you swipe your card and the "tip" is added.

I don't know why they do it that way. I always I try to keep a little cash on hand for leaving tips.

[LynneSin]

54. I know, if that was me I would be more pissed at the Restaurant than Chase

Chase offers an overdraft protection, which I have on my debit account. I really try not to go below the balance but sometimes it does happen. There was changes in that policy due to government regulations and you do have to opt-in. The person at the bank was not very professional but seriously, I would be at that restaurant like YESTERDAY asking why an extra tip was added on the bill.

Never EVER leave your tip space blank on a restaurant bill - NEVER. You don't have to put the tip in there, many times I pay cash for tips because some restaurants will deduct charge fees from waiterperson's tip money. But when I leave cash I write in big letters in the tip line ON TABLE. That way it's harder for them to change the tip on you.

[sammytko]

37. this is not the banks fault

If the restaurant added the tip after the fact, it is their fault. But if you requested no overdraft protection, the transaction would have never gone through.

I kept mine just in case. But at the same time I keep a cushion in my account. If I am running low, I do not use the card, but take out X amount of dollars from the ATM (no charge ATM) and just use that.

Always know your balance. And I'll get yelled at for this, but if you are that close, stay out of restaurants.

[harun]

128. WTF are you talking about? They have to do it this way.

They charge the card, you fill out the receipt and if you put a tip on it, they run the tip.

[snooper2]

44. you have less than $4 in a business account?

:eyes:

[grasswire]

48. it sucks to be a small business startup in this economy, pal

especially when clients take their sweet time to pay fees that are past due.

[truebrit71]

51. Wow...that's helpful....you don't work for Chase too do you?

:eyes:

[snooper2]

64. nope, but I just gave them $295.46 for truck payment..

Actually, just scheduled the payment online as it's actually due on the 24th :)

[DemocratSinceBirth]

45. She Was Less Than Professional But The New Law Only Applies To Consumer Credit Cards

.

[Celebration]

47. Collect evidence of them reordering transactions in the account

Then report them to someone.

[Enrique]

52. if you report her, she'll probably get a promotion

that teller who was professional with you, probably has no future there. That manager became manager by treating ordinary customers like you like garbage. Not everyone has what it takes to be enough of an asshole to get ahead at companies like Chase.

[Cronus Protagonist]

77. Ding Ding Ding

you hit the nail on the head with that comment. The nice folk don't do well in US corporations, particularly banks. I once had to work with Bank of America and was in their head office in SF for a couple of days. I felt like I needed a bullet proof vest just to go into work, the people were so NASTY.

[LynneSin]

53. I know this is a crazy notion but have you talked to the restaurant about the tip added in

I mean, I'm assuming you did tip the waitperson and it sounds like they added more than they should have. I usually leave cash tips and when I do I always write "On Table" in the tip slot so that they can't add in extra money to the bill.

[Roland99]

68. I've seen my Chase account post the original amount and it shows as "Pending'

then a day or two later the real amount, with tip, is added in and then it actually posts to the account.

[zentrum]

55. You must report...

..not only for yourself but for all members of the bank.

Citibank is another fee gangster.

[Harry Monroe]

56. Withdraw your money and take your business elsewhere

And definitely let them know why!! At the very least, find out who the manager's boss is and let him/her know!!

[avebury]

59. It is a matter of knowing where they "bury" the bodies

I worked as a Loan Review Officer for some New England Banks for 10 years and learned a lot about what goes on behind the scenes. I always thought that if I ever became a lawyer I would want to work for consumers as I am pretty good at figuring out where to dig for the information necessary to take on a bank.

When a bank fails and is taken over by the Feds the Fed will eventually "sell" it to another bank. The assuming bank will have a set period of time to review the new loan portfolio to determine which loans are bad and "put" them back to the Feds for a per centage of the loan balance. This is a Put Process. It is in the Bank's best interest to try to put as many loans back to the Feds as soon as possible because as time goes by the dollar percentage that they get from the Feds drops. Fleet Bank ended up putting loans that were SBA loans back to the Feds that were perfectly fine and never had a problem. A well documented SBA loan poses a small risk to a bank. Had the consumers been more aware of what was going on they should have had some sort of recourse for their treatment.

Fleet also created a subsidiary to handle bad loans and contracted with the Fed to handle the same loans that they had sent back to the Feds. So the got a percentage of the loan balance for the loan and then income for handling the same loans.

[nradisic]

60. Why do you bank with Chase in the first place?

Move your freaking money....and avoid Chase, Bank of America and all the other mega banks....they don't care and will fleece you!

[redirish28]

62. I'd pull my business account from them IMHO. That overdraft protection is

such a scam.

[Roland99]

67. In about 2-3 months, I'll be done with Chase (except for the mortgage)

splitting my account across a few credit unions (to get a nice mix of low loan rates, better savings rates, higher-limit credit products, etc.)

[Oilwellian]

69. The restaurant added an additional tip?

I'm assuming you already included a tip for the waitress when you signed the ticket? I would take this issue to the restaurant that added more money than what you signed off on. Seems to me it is they who owe you the OD fee. If you didn't tip the waitress on the original ticket, then I have no pity for what happened to you. :P

[kpominville]

70. Move your Money!

Open an account at a local credit union and tell Chase where they can shove their fees.

[ArcticFox]

71. Nobody at Chase will care.

They (and WaMu) caused us a couple hundred dollars in damages by giving incorrect wire instructions, resulting in the wired funds being returned to the sender. They had no clue how to wire funds to their own institution from Europe. We went up and up bureaucracy and nobody would so much as say sorry. Finally we decided to stop banking with them, went to Wells Fargo, and got a bank that might be a monster megabank, but at least they know how to receive a wire.

[Hoyt]

72. Banks sux often. But, working for tips does too when folks don't leave one.

I suppose the person who added a tip is a thief. You could file charges.

[geardaddy]

83. Depending on who your State AG is ...

report it to them also. The MN state AG is awesome and records every complaint for use in future cases.

[VPStoltz]

89. These idiots abound...

Which is why you MUST jot down the name of ANY person you deal with in person or on the phone.
What starts as a pleasant professional conversation can deteriorate into a shouting match due to a business's "policies."
I once had a problem with a rental car.
I called to report it but also asked about a billing practice.
As I read my bill, the agent told me that they didn't do what I was asking about - I'm looking right at it.
He insisted until I told him to fuck off and hung up.
At the outset, he had issued me 3 free days for my inconvenience.
Get this, when I later called to ask where my vouchers were, I was told they had been rescinded because I swore!!!!!

[slackmaster]

90. If that happened to me, I'd close the account

Problem solved.

[JoePhilly]

91. Had a similar experience at a Wachoiva branch.

My business account (which has about 4-5 transactions a month), started getting a $2 fee. The account is so small, and so inactive, that I barely have to manage it. I reconcile it quarterly.

So I was at the branch depositing a check in the account, and I asked them about this odd fee I had for each month in the last quarter.

The fee was clearly new, and their manager explained that it had been "announced" in the last statement of the prior quarter (in very small print). When I set up the account, it came with "scanned images of processed checks" for free. In a recent merger, they had decided that this "service", which I never even noticed, was now no longer free.

So it's a total of $6. Big deal.

But the manager, in a very condescending tone, explained that it was MY responsibility to read the statements and I could have avoided the fee by contacting them by the date in the fine print.

I said ... "that's a neat trick, sure, $6 buck is nothing to me, but after Wachovia does this trick a few thousand times, I bet its a nice profit for doing nothing but updating some fine print" ... "great business model".

She was not thrilled with my view. And she became even more condescending. What they were doing was perfectly legal, blah, blah, blah. I said yes, totally legal ... and highly unethical.

It's a legal scam, and you are defending it. And then I kind of laughed in her face. I explained that in addition to my small business account, I was actually there that day to meet with "Bob" (not his real name). I had set up an appointment with "Bob" to discuss refinancing my home through them.

I then told her that I needed to go over to "Bob's" office and let him know that Wachovia would not be handling my refinance. And that I would be moving my very small business account across the street, to the community bank.

I then walked away, stuck my head in "Bob's" office, and told him to forget the refinance, and if he wanted to know why I changed my mind, the bank manager would be able explain it to him.

I did all of this very quietly and politely, but I could tell people overheard it.

[N_E_1 for Tennis]

92. Have had probs w/ Chase

I have a small biz. We had dealings with Chase. They are crooks, watch out!
Had two accounts there, the details are way to detailed to explain here.
don't know really if I could put it into words.

Just a warning tho. Before you complain, take your money out. Don't close the account
then they will not talk to you. Protect your money first. Then complain.

Document everything, get statements, get names, get everything you can think of.

Then bitch, and bitch loudly. Get your money first, then complain.

Understand?

[pitohui]

95. just close your chase acct and get on with your life -- they're jerkholes

they suck, and i say this as a perfect person who has never bounced a check knock on wood

even if THEY make the mistake, it takes forever to get it fixed, and they're rude rude rude

sorry when bank one got took over by them, i wasted no time in closing my acct because i just don't do business with chase

they sent me an unsolicited credit card earlier this month, i thought this was illegal, i tried to report it but they kept giving me a weird runaround so i just cut it up and threw it away

chase just sucks no excuse for them and their unpleasant employees, they must have a culture that values assholery

i mean boa and citi are both gangs of thieves too but at least they're COURTEOUS gangs of thieves, the folks at chase really seem to have a screw loose when it comes to social etiquette

[truedelphi]

96. We had an account go Non Sufficient Funds

In situation similar to the one in your sad story.

Even though we had told the bank we did not want the debit protection. In fact, at time accunt was set up, we insisted that any amounts over our amount in the account be declined.

The bank said that when they instituted a new type of debit card, it was automatic for that protection to go on an account.

But after this terrible blot on our credit, once they "flagged" our account, guess what? As punishment, the bank was no longer going to do us the favor of allowing payment of the debit amount that was over what we had in the account.

[BR_Parkway]

98. Call investor relations to complain - it's amazing how quickly they take

care of things when they are worried about stock prices and potential stock holders. Anytime I've done this, I've always gotten great results

[Mason Dixon]

106. were you an investor

in the companies you called or not?

[deaniac21]

99. You might get her in a tiny amount of trouble but it won't do a thing

about the money you were charged.

[sulphurdunn]

101. Isn't a restaurant adding

a gratuity to a bill after the fact and without your knowledge a crime?

[Mason Dixon]

105. No

you authorize it when you add the tip to the already run charge and sign it

[sulphurdunn]

131. I understand that.

I thought the point was that the bill had been signed without a tip and it was added later to the house copy.

[Raine]

102. Find another bank, there are plenty of them around

people seem to bank at the ones that advertise the most but there are plenty of smaller banks around. Close your account and tell them it's because their manager was very rude to you.

[relayerbob]

103. Chase sucks

Left them long ago. Find another bank.

[Mason Dixon]

104. you have less than 24 dollars in your Business Account...

And you didn't know it.

By the way EVERYONE who has a business account has overdraft protection so purchases are not interrupted due to pending income

And EVERYONE knows there balance, at least approximately.

Something fishy with this one

Why did she get "hot under the collar" She didn't "shift" details. And what does that even mean? is there more than one account in play?

"She shook her head to indicate that I was an idiot, and stomped off"

I'm sorry. Bank people just don't act like that

This reeks

What is your business? Generally Speaking.

[FedUp_Queer]

121. Oh, how I love satire.

I don't know what planet you live on, but banks do this crap all the time. By the way, I have a business account, and I don't have overdraft protection. By the way, I don't know my balance on a daily basis. As for "bank people not acting like that." Seriously, are you on drugs? Do you live under a rock? This behavior is par for the course for almost any bank.

[katty]

107. Chase is another B of A - mgr laughing out loud-another idiot

taskmaster hired by a bank.

[rury]

108. I work at Chase because it's all I can find

and I HATE it.
I refused to go to their bogus Christmas party and threw the Christmas card I received from management in the garbage.

[truedelphi]

111. I am re-posting myra minx's astute comment and referenced link

myrna minx Donating Member (1000+ posts) Tue Dec-21-10 06:33 AM
Response to Original message
31. Report the branch manager and tell your story and subsequent actions from the bank

to:
http://consumerist.com /

It's a great site. :hi:

I wanna have as many people see this as possible.

[WillowTree]

117. I can't get past the restaurant part. Had you already left a tip?

Or did you stiff some poor waiter/waitress out of the tip that helps to bring them up to minimum wage?

[FedUp_Queer]

119. I'd be a bastard about it.

Publish her name. Publish the branch. Publish where it is. Publish its phone number. Publish its fax number. The day they fear retribution from us is the day they stop crapping on us.

[DeadManInc]

120. We dumped chase a few months back and I

couldn't be happier.

[Statistical]

122. So why are you still doing business with Chase.

This wasn't an isolated incident. This is how Chase management feels about your business.

They have all the power, you exist to increase the profit margins and pay for giant salaries and bonuses.

Of course they laughed at you. What are you going to leave? The fact that you are still doing business with them clearly indicates you won't.

Your words accurate or not are irrelivent. You exists to generate profits for Chase. Today was a good day for Chase. Chase +35, You 0.

[WestSeattle2]

123. When dealing with large banks, you're dealing with criminal

enterprises. Absolutely nothing their management says or does surprises me. Their livelihood depends on the continuation of criminal activities. Many of their policies are illegal; their balance sheets are absolute fraudulent; they lie under oath. I guess my only question is why do so many people continue to do business with known criminals?

[tomm2thumbs]

129. next time ask for her card - when she brings it back, rip it up and throw it in the air & leave

it brings great joy - from personal experience

[webDude]

130. Report! They want your money.