I need to find a way to get my money back from Chase Bank. They are constantly charging me NSF fees that have added up to the hundreds.
Most recently I was charged over $400 in NSF fees. What Chase does is take debits and lists them as "pending", then posts them from largest to smallest and if you're someone like me who keeps just enough money in their account, the larger amount will somehow bounce out the small resulting in 4-5 NSF charges. I went to the Branch today and met with the Branch Manager. I told him what they were doing was illegal, he basically proceeded to tell me some bs about how the money is held in a "memo" status that I can't see, but I can somehow still spend.
I contended that a debit card means that the money is debited right a way. He said now and told me I couldn't keep a check register. When have we ever had to keep a check register for debit card purchases? It seems that their customer service and bank employees have all been trained to place the blame on the customer, therefore the charges are not a "bank error" and cannot be refunded.
I said that it was outrageous and I would not leave until my money was refunded. He responded by threatening to call the police to have me thrown out. I told him to go ahead and called the police myself. This bank is unethical, despicable and is making money off of people who can least afford it.
I can't tell you how angry I was at this person who sat there and said "NO" continuously while I pleaded for the money that I needed back so badly. This has to be exposed. I proceeded to withdraw everything I had in my checking account and I'm sure tomorrow morning (all of their weekend transactions are listed on Tuesday morning, in the order that benefits them) there will be more NSF charges. This bank is fully confident that they can get away with this, mainly because they are so large and probably have people on their side.
So what do we do? I have my direct deposit linked to my checking, can't close it until I get back to work and can change it. I want to rid myself of this bank. I can't believe that they are being allowed to do business.
Wait, the Republicans are in power so its screw the middle class any way possible.
Product or Service Mentioned: Chase Bank Banking Service.