Ill keep this short and to the point,
I was denied using my atm card and i knew there were funds, and i just so happened to be in a shopping center with a chase branch so i walked over to find out the problem.
I find someone to help and he looks up my account and says, this account was closed today. I say wow, why? It was open yesterday and has $ in it and i did not close it.
He calls into chase and finds out that there was a debt from 2001 (8 years ago) that i owed wamu. I supposedly owed them 120$ from an account closed with a negative balance. I said ok thats odd since i have been a customer for 8 years since then and this is the first i have heard of it. I say to him, i seriously doubt i have a debt and if i did, id think that wamu would have notified me when i opened my next account with them and require me to pay it.
After about 90 minutes of him on the phone and them making up excuse after excuse for what they are doing i said ok fine and left.
I went to my local branch (formerly wamu) where i do regular banking and had someone help me again. After him calling and seeing that the account was locked/frozen and scheduled to close and figuring that this was an error that slipped through the cracks, he says well this should be a simple fix. I agree, i say "i have $ in my account to cover this magic debt from 8 years ago. Whatever just pay it so we can unlock my accounts and move on". He talks to the person on the phone and is basically saying to them why cant we just clear this debt now, the customer is here and has funds to cover it and wants to clear this up now, why cant we clear it now.
The answer he relayed to me from the person he was speaking to shocked me. "We wont clear it now because its not the customers choice anymore, its ours". The proceeded to say my account was scheduled for closure in 2 weeks and they will deduct the debt from my balance and mail me a check for the remainder. After that all accounts i have are closed and i am no longer a chase customer.
Now to me this is VERY BAD customer service, and i feel im not the only one who feels this way. First of all this is a BANK ERROR for 8.5 years ago that i was never notified about. I was treated like a thief by chase and not even given the time of day. All of this over $120 debt. Not only that, this could be easily fixed by just making the payment. Even if chase doesn't want me as a customer thats fine... Make the payment here, and now, and cut me a check for my remaining balance. Nope. Chase does not care about me, does not care that this whole situation was not my fault and i actually had no idea at all there was a problem, and they dont care about me being a customer with wamu for the last 8 years.
Im sure this is walking the fine line of being legal, but even if they are 100% in the right to treat me like this, why would they? This is probably the WORST customer service i have ever received. What makes it worse is i was generally happy with wamu.
Im sure im not the only one that has been treated this way and im sure im not the last that will. I will NEVER AGAIN put $. 01 into a chase bank and i hope this way of treating customers comes back one day and bites them in the a*.
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