Chase drives me nuts!

[hangartnerchix]

I used to work for a bank. The key to resolving your problem is to write a complaint letter to the proper organization. Chase will be regulated by a huge banking regulator. I'm guessing it's the OCC. You should be able to google that, or even call in to the bank and ask them who their regulator is. (A random person at a call center might not know - try your branch.) In your letter, use the word "complaint", and detail everything you can. Include in your letter that you tried (and tried) to resolve this with the company. The more info you give (dates, amounts, what happened), the easier it is for the regulator to understand. This is one of the functions of the regulators. They want to hear from you. Send your letter directly to the regulator. These things take time, but everyone in the process will have a certain number of days to complete each step in their process. The regulator will not drop this issue until Chase has resolved it or explained it to their satisfaction. (Maybe not to yours, depending on the cause of this problem!)

Alternatively, you could send a letter to the bank's president - right to that person's office, including his/her name. That always worked at my old bank.

Good luck!

 

[dainerra]

was the confirmation number from the company you were paying the bill too? If so, this is NOT your banks fault. It means that the companies didn't submit the request to your bank. It says in the fine print that it can take several days before being submitted to the bank. So, you waited 10 days and assumed the money was gone so you spent it. On day 11 or 12, the company sends the info to Chase and oops, no money is there. Automatically denied if it was billed to a credit/debit card. It will just bounce back and won't necessarily show in the bank system. Kind of like when you scan your card at the store. It's declined but it won't show up in your account info.

Made up the time line a bit, but it isn't unusual. For paper checks, it can take 30 days or more. For electronic payments, it can take a couple weeks, though 7 days or less is most common.

 

[Carols Clucks]

I closed my accounts with Chase, but I would ask for their area/district managers contact info and then explain the issue to them. District and VP's hate getting complaints, branch managers hate even more that you are going over their heads to their bosses. But, in the end if you spent the money, all you can maybe get back is fees. And you should document those fees in your letters. (Former brand Operations Manager here-not for Chase)

Since you paid several bills and have several confirmation #'s it does not make sense that all the companies just forgot to ask Chase for the money, Chase had an issue and chances are they know they did.