HI, I have some news for you its pretty sad and its about me and my family and chase bank TOTALLY DESTROYING A FAMILLIES HOLIDAYS, CHRISTMAS AND NEW YEARS by not helping us dispute negligent ach's that occurred over and over again during the holidays. Federal regulation E. This bank was told on the same DAYS THAT EACH TRANSACTION WAS PLACED TO DISPUTE ALL ACH'S I DIDN'T ASK FOR THEM.
I was told there was nothing they could do to help that the trans actions were pending and to call back tomorrow. Which of course I did and their answer was we cant diaspute we didn't pay it. And then nsf. Nsf. Nsf. Rif, rif, rif check bounce check bounce no more writing checks no one will take them.
As stated in fed reg e sec 205.11 if a consumer notifies an institute that an error involving an eft has occurred the institution _MUST investigate and RESOLVE THE CLAIM WITHIN SPECIFIED DEADLINES AND PRELIMINARILY REFUND ALL MONIES.
They didn't they charged my bank account $394 since dec, 20. They have refundeed 1 ha! But that co. That they did do the only dispute to. Ach'ed my account again later and they nsf'ed me again with all of this going on I bounced checks to heb 3 of them. More nsf rif,?
I made my son a staff for Christmas. I carved it he's 14 yrs. Old ha! And I was so embarrassed. My bad, I should have bought a present befor this happened.
Oh that's right I got married 41/2 mo. Ago and opened a small business 4 mo. Ago I was pretty darn busy trying to get a life started and that's why I have a small business account with chase.?
This isn't even close to what this parody of what they claim a bank has to offer me yet. You see they told me my checks were free when I opened the account and they charged me for them right when 3 checks from heb were coming in. The fee for the checks I ordered were covered the checks I wrote to heb werent. Guess what happened? Of course they charged for the checks before they charged for heb.
Rif rif rif and they must have picked the most expensive way to process them because atleast one of them should have made it. They refunded thier fees and the checks I ordered. I still had to pay heb for their fees and checks.
Then after that event I said to my banker. Arron whom they fired right before Christmas, was it my fault??? Can you get something like overdraft protection on this? I applied atleast 2 times in 4 mo. I never got a letter no overdraft either. So arron told me, We will adjust your account so that all of your deposits will go in immediately without any hold.
About 2 weeks later I received a check for around $250 dollars that I deposited at the Huebner branch. I had checks written and there was a hold placed on this deposit for 7 business days. This caused my checks outstanding to be returned and added fees to my account. I went back in to the downtown branch to discuss this with Aaron, and he said, all your fees would be refunded to your account.
I still had the fees from the businesses where I had written the checks, so which Aaron said he couldn't take care of as I had deposited at a different branch. This stipulation was never disclosed to me and I let Aaron know that he had not explained this to me.
So I was further in the hole with my funds. Aaron said ok ill refund them and he saidI'm gonna get fired for this. The only reason I was still with chase was because of arron. So For almost a month I did not use my account as I didn't know what reaction the bank would make to any of my financial transactions.
I applied for and received a loan so that I could pay off the service charges incurred and have extra money to cover the other charges due to return item fees, nsf charges, etc which Chase has chatrged. I was unable to use my checks for Christmas, cannot pay my rent, and am having grave financial difficulties due to the timeing of these events and the occurrences of the fees causing overdrafts causing fees causing overdrafts it seemed to no end. I feel the public should know about Federal regulation E sec. 205.11 in case other banks are perpetuating this gross misuse of business policy.,
Thank you,
Jacob
San Antonio, Texas
U.S.A.
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