Chase Bank

Came in @ 9:40, not busy at all. I had to wait 50 minutes for a personal banker that looked like she was working for a model agency. Not cool. Waste of people’s time.

EVERY time I come to this place, its empty. No employees to help and no customers to help.
Eventually someone from behind the glass will say, someone will be right with you.
I HAD a business account with these guys, and just closed it because their cust service was so bad.
Banks, will be Banks, just interested in your money and not the person attached to it. SMH.

This is not a review of the Chase Broadway location, but of my overall experience of Chase Inc. overall over the last 10 years. Apologies in advance.
Early this year I decided to leave Chase after paying off my credit card. Despite the fact that the card’s account had been closed for months, they still charged me monthly interest on it after I paid it off. Oh yeah. I forgot.Only Chase can charge interest on an account that doesn’t exist. After sending an inquisitive email to Int’l HQ, they credited the account back to 0. It was almost like they were admitting «Yeah, we’re greedy. You caught us.»
If that’s not enough, my initial reason for switching banks was because, despite my 753 credit score, and solid on-​time payment history, they still wouldn’t raise my credit limit above $ 1700 or lower my APR below 20%. I thought I’d earned that for 10 years of loyalty?
All of this aside, I’ve never run into a teller at any location who has been anything but nice and helpful, and their fraud protection has always been solid and pain-​free. But the customer service at the Chase Hall-​of-​Justice Int’l Headquarters is robotic and painfully indifferent to your beating heart.
Summation: if you want the best service, you’ll have to bank locally or switch to a local credit union. This is the symptom of the giant monster that Chase has become. Too big & greedy for it’s own good. And yes, I’ll say it, Chase is one of the 5 major world banks in the world that is slowly de-​valuing the dollar.
Bottom line: don’t do business with robots.

Not a fan of the branch, tellers, etc. but love their personal business representatives. I do not enjoy any trips to the branch and prefer to do all my work from my desk. I’m not a fan of the long lines and the fact that the Business Teller is NEVER open. What is the purpose of having a separate line specific for business transactions when it is NEVER open?
I have had my work business account with Chase for almost 4 years now and I’m very pleased with their service and attentiveness. Whenever I have a problem with anything I give my personal banker a call and any and all situations get handled immediately with little to no work/​effort from me. I have switched all of my Companies accounts over to Chase for this reason alone.
I am disappointed with their high turnover rate, even for their business representatives. But it is not as bad as the turnover rate of BofA. I’m now on my 3^rd representative in 4 years which seems high but while I was with BofA I went through a new representative about every 3 – 6 months, yikes!

I don’t normally go to this chase because parking is a pain and a half, but I work across the street and needed to open another savings account. Friendly service, didn’t wait at all.

This location never disappoints me. The employees are always quick friendly and knowledgeable.
Get vaildation for the parking structure.

CHASE SUCKS! Why would anybody ever give this «institution» their business is beyond me. I sold my laptop to a Chase member. She explained she could only get $ 500 out of the ATM and would have to write me a check for the balance. She was nice and seemed trustworthy, so I agreed. I called chase to ask if I could cash the check at my local branch, and they assured me no problem. After dealing with traffic and finding a parking meter, I head into the office, walk up to the teller to make good on the check. No smile, no hello just a blank stare. I explain my business and the lady, hardly looking, up tells me there is a $ 6 CHARGE! $ 6 TO CASH A CHASE DRAFTED CHECK AT A CHASE LOCATION!!! WTF!!! I ARGUE THAT IS RIDICULOUS AND SHE JUST PUSHES THE CHECK THROUGH THE WINDOW AND STARES AT ME LIKE A MONKEY. I ASK FOR A MANAGER AND SHE SCOWLS AT ME WHILE I AM TOLD «A MANAGER MAY WAIVE THE FEE», THIS LADY LOOKS LIKE SHE HAS SPENT THE LAST 10 YEARS INCARCERATED. SHE CONTINUES TO SCOWL AND SENDS ME OVER TO SIT DOWN. I WAIT FOR BRANCH MANAGER” TO COME OVER AND SHAKE MY HAND… POLITELY. YOU VERY QUICKLY LEARN THE DIFFERENCE BETWEEN POLITE (DISINTERESTED) AND FRIENDLY AT THIS BANK. HE LITERALLY JUST GIVES ME A TRACT ABOUT HOW CUSTOMER SERVICE ORIENTED CHASE IS AND THEN TELLS ME $ 6 PLEASE! TO CASH A $ 200 CHECK LOL THAT IS 3%!!! I WISH I COULD GET A RETURN LIKE THAT FROM A BANK! F@#CK CHASE! *****SCHOOLS FIRST FCU ROCKS!!!*****

The chase workers seem to be nice, there is free coffee and no line ever. Thanks to a few bad apples you can’t sit in the lobby any more, which makes you wonder why even have chairs?

Ummm,
I am now writing my second negative Unilocal review ever because Chase is SOOOOOOOOOOOO bad!!! WaMu was fine, never really had any problems with them (like it’s supposed to be with a bank), but as soon as Chase took over, there was a problem literally EVERY time I went in (even something simple like trying to get money from the ATM).
I don’t know who’s in charge of this crappy institution, but I hope that all of these negative Unilocal reviews will persuade people to take their money out of Chase and put it in a much better bank. I was skeptical of Bank of America (BOA), but after a few visits, they were infinitely better than Chase in every way imaginable.
I will save the cuss words for my own head, but needless to say, anything you can do to get away from the Chase will add to your overall happiness.
–Ian

So here’s the situation:
I’ve been a loyal Washington Mutual customer for almost ten years. I opened my account when I lived in Seattle (hence, WASHINGTON mutual) and then when I moved to San Diego I was stoked because there were WaMu branches down here. No bank change needed! Well, that has worked out really well – until now – as Chase seems to have taken everything over.
So I write a mortgage check and send it on the 1^st of the month. My checks are still from my account in Washington, same as always.
Next, I go to my branch, same one I have been going to for years, and try to deposit CASH into my account so that I could PAY MY FREAKIN’ MORTGAGE and was told that it would take 5 days for the money to be available. I’m sorry little teller woman, ARE YOU JOKING? I’m giving you cash and it won’t be immediately available?
«You’re account has not switched over to Chase and we will have to send a check to Seattle,» she says.
«No, I need the money available now.»
«Ummm, uhhhh…»
So what ends up happening is I have to sit down with Financial Representative Bernard for 37 minutes while he does a wire transfer – yeah, a frickin’ wire transfer – to my WaMu account. I love Bernard and all, don’t get me wrong… good guy. But then he tells me that i «might» have a wire transfer fee applied to my account by Chase and if so, I need to call their 800 number and get tell them to reverse it. Can’t he prevent this from right there at the branch? Answer: No.
So then, next day, the wire transfer goes through, and look! What do ya know, a $ 15 wire transfer fee. I call Chase, explain the situation, and the person on the line tells me she will put in a request to have the fee removed – but it can’t be processed until the next day because it has to go through the «inappropriately applied fee reversal approval department» or something before it can be done.
And then, once this is taken care of, I find out my account is still paying my automatic bill payments, the same ones I already paid for this month out of my Chase accounts.
What. The. F.
So now I have to go back and get money transferred to Seattle again to cover my mortgage check, that has just been sitting in the ether waiting to get deposited and denied due to insufficient funds.
F my life.

Hello my name is Adrienne S. and I am a victim of the WaMu/​Chase switch.
3 – 5 business days to deposit mone into my WA WaMu account? Bullshit.
Transfer over to a new Chase location but then still have online autopayments pulling money out of an empty old WaMu account? Bullshit.
Call up Chase and be told they can’t find my account that I switched over to TWO days ago because I am WaMu stil? Bullshit.
Have a debit card sent to me by Chase, I then activate it, have it declined at Best Buy the following day, then have Chase on the phone tell me the debit card isn’t linked to my account in any way? BULLSHIT.
Can’t access ANY online banking because Chase doesn’t recognize my new bank account number? Even after I was with WAMU for TEN YEARS prior? Bullshit.
Have the Chase representative give me starter checks that only work certain places, cut up my old debit card and wait two weeks for ANOTHER debit card to be mailed to me? Bullshit.
I am Adrienne S. and this is my story.

When it was Washington Mutual, I was not the customer they preferred to have, since I’m actually costing them money. Seeing how they could really screw up things from past experience, a few years ago when I received a new MasterCard debit/​ATM card, I decided not to activate it; the toll-​free customer service people were a joke when I did try to activate it (I have to go to a branch; the branch tells me I have to call customer service), and I figured if that debit card is ever used fraudulently, imagine the trouble I’d have getting the problem corrected and getting my money back, if at all.
So, I now stand in line and use a teller to get cash, and use that cash to buy things rather than a debit card. I use online bill pay and maybe 1 check per month. So, they’re not getting merchant fees from the use of a MasterCard debit card, and have to pay a teller to stand there and handle my transaction, and they even have to process a check or two now and then. (Why do you think banks push those debit cards? They get fees from the merchants when you make purchases, and don’t have the cost of processing checks. Of course they make it sound like they’re offering this great convenience. Yeah, until someone uses that debit card fraudulently as a credit card and your account is wiped out. YOU end up without money, not the bank.) And since I keep my checking balance to the penny, I never have overdrafts, so therefore I don’t get zinged with overdraft fees; if I did, well, so much for «free» checking.
However, BE AWARE if you in this same situation: I originally opened my account at Washington Mutual in Seattle, but have been banking in California for several years since I returned here. If any of you did this and therefore did not originally open your account at a California branch of Washington Mutual, for the time being you’ll encounter a nasty surprise. Thanks to interstate banking laws, while the name may be the same (Chase), the problem is my account is effectively in a bank incorporated in Washington State, rather than here in California.
What this translates to in my situation is if I deposit a check or cash at Chase here in California, they have to send the information via mail using paper slips (are they kidding – it’s the 21^st Century) to my home branch in Washington State, THEN 3 to 5 days later it shows up here that the funds are available to be withdrawn, or checks can be written or bills paid online. So if I planned to make a deposit and electronically pay a bill that day, uh, not so fast…
One teller (at the Hillcrest Branch) told me this might go on until as late as September or October, but another teller (at the Point Loma-​Rosecrans Branch) told me they’re trying to rectify this situation because they know people will get frustrated and ditch Chase for other banks. Not to mention the poor tellers are at the «front lines» having to deal with customers’ frustrations over this. I did get the impression that the tellers are just as annoyed about this as anyone; it doesn’t make their job any easier. Oh, and until this is resolved, don’t use a withdrawal/​transfer slip to take out money. Use one of your checks made out to «cash.» Huh?!? It’s 2009; that’s the way banking was done in the 1960s! Get with the program, Chase.
Because I’d effectively, for now, be cashing/​depositing a paycheck at an out-​of-​state bank, I cannot get my cash sans deposit. This is the surprise I got yesterday. So I had to cash the check at the issuing bank (California Bank & Trust), take some of the cash to Chase and deposit it so it’ll show up in 3 to 5 days and I can pay a couple bills online.
Actually, the above-​mentioned California Bank & Trust is a pretty good bank; a friend of mine has his business accounts there and is quite happy with them. I’ve resisted opening an account there because I’d encounter a $ 4/​month fee, but I’m beginning to think since on a yearly basis that comes out to 13 cents per day, it’s worth it to deal with competent people. Free checking is nice, but as they say, «You get what you pay for…»

If you are a victim of the WAMU/​Chase switch I would suggest you run to anoother bank. I have had great service and from the staff at WAMU and that continued after the switch. My problem is with Chase. They are one of the worst companies I have done business with. They are NOT about service, treat customers like a number and don’t seem to be interested in anything but increasing fees and cutting service. I am in the process of moving 4 bank accounts, 1 credit card account, a home loan and line of credit. This is very costly and time consuming but this bank is not one you want to deal with.
BTW I am not a credit risk with a score of 792 and never had a late payment. My issues are with their banking practices and lack of concern about customers.

I didn’t mind the switch from Wamu to Chase. Nothing really changed, except for the color of my checking card, so I have no complaints there.
I’ve been coming to this location since Eric and I moved downtown, because its only a block away, so today I came in to deposit some of his checks, and to get quarters for laundry.
I walk up to the teller, hand him the checks, and then swipe my card. Seconds later, he tells me that they don’t accept 3^rd party checks. I’m confused. I say, because you’re now Chase? Or what? And he tells me, that they NEVER accept 3^rd party checks.
Now, I’m even more confused, as I tell him, that I’ve been depositing Eric’s checks for over a year now, and haven’t have a single problem. He asks what branch I go to.
I tell him, THIS ONE!
Now we’re both confused. He tells me, he doesn’t know why people are doing that for me, because they have never been allowed such a thing.
I walked around the corner to their outside teller. Because, hey, I’ve done it before, why not try it out now. But the machine outside has been broken for months now.