On 2-29-08, I mailed my monthly payment to Chase Cardmember Service. According to bank records, Chase recieved the payment, and cashed the check on 3-2-08. The check cleared my bank on 3-5-08. The payment was mailed 2 weeks early due to the fact that I was going on vacation.

On 3-26-08, I received my monthly statement that indicated that I had made no payment the previous month. I looked at my check register, and then my monthly check statement, and verified the payment had been mailed and received.

I then contacted Chase "Customer Service." Now there's a contradiction in terms. I was told that I would have to fax all proof of the payment to them, and it would be reviewed by the same department that lost the payment in the first place. "IF" my payment was verified, it would be reflected on my account within 1 or 2 billing cycles.

I asked to speak with a supervisor, and spoke with "Greg." who told me that no payment had been received, and it was my problem to prove otherwise. I asked to speak with Greg's supervisor, and was told that was not possible, even though it was during normal business hours. When I pressed Greg further to speak with his supervisor, I was called a liar, and told no payment had been sent or received.

I now have to wait 1 or 2 billing cycles for Chase to decide that they did receive and cash my check, sent a double payment to "Cath up" my account, and do all of Chase's legwork... all FOR NOTHING.

Here it is. Chase bank extracted from my paycheck direct deposit checking account the amount of $285 in less than one weeks time. I made an $80 withdrawal from my checking account (at the bank mind you) and there was no problem. Of course I wasn't informed that they would be posting and insufficient funds fee to my account in the amount of $70. Their overdraft fee then made my balance in the negative which they have been charging me extended overdraft fees on. So either I was allowed to overdraw my account without being informed. Or they posted fees to my account to purposefully overdraw it in order to charge me additional fees. When I spoke to a manager I became extremely upset and was told I needed to calm down before she could "help" me. I asked her how it was she was going to help me, if not refunding what they took from me illegally. She then told me to call back another time and hung up on me. So this well known upstanding bank is not in it for their customers more like taking their customers paychecks. Not to mention their errors with their online banking in which they posted two $75 payments to my electric company for the same day. Two payments were not posted to my account, but they were on my electric company's bank statement. They had not receieved the funds for the two payments though. So this put me $75 back on the bill for my electric. When I sent an inquiry to Chase, I got a cold email back that was sorry and we're not responsible or liable. So this has been my experience with Chase bank. And the worst part of it, I haven't even been with them for a year.

In October of 2005, Chase Bank erroneously reported the account I had paid off 6 months earlier to the credit agencies as being charged off due to bankruptcy. I have never filed bankruptcy. After several months of disputing the credit report and Chase denials, they finally agreed that they had made a mistake and linked someone else's bankruptcy to my account. They said they would submit a Universal Update to the three credit reporting agencies, but that they could not "force them to remove the information". Due to the breach of sensitive personal data Chase later agreed to pay for one year credit monitoring on my behalf. I checked my credit report in 2007 and the negative information was no longer showing and my FICO score was in low 800s. Now in January 2008, I was looking to refinance my home and found that the bad information has been resubmitted to the credit agencies and my FICO score is now high 600s.

I contacted chase card services to update my circuit city chase card address on file 2 months ago. It was simple, too simple actually. I called the 800 # number provided my account #, address, and my social security #. The rep was friendly and stated my address was updated and my next invoice would be directed to my new address.

Upon not recieving an invoice for 45 days, I contacted Chase Services and the horrible services began. I spoke with the first rep who said he did not work for the circuit city division and was transffered into an IVR. I selected the option for address change, spoke with a representative who verified my current address and all account information. She then proceeded to transfer me to another department to process the change. This representative again verified all my information, and said she would have to transfer me to the additional verification department to verify more info before the change could be made. I was then transfferred to a rep who attempted to gain information about people unrelated to my account (relatives, etc). None of the information I provided him matched 'his records' and he was going to transfer me again. I hung up

I called back the next day and the circus began again. I picked option to change address, spoke w/ rep, verified info and was transffered to actually change my address. I spoke w/ this rep who tried to get the info on other parties again, I refused and then spoke w/ her supervisor (Ericka , ID7314). Ericka is evidentially the highest customer services rep at Chase card services, she also would not update my address upon verifying all information on my account she still wanted information about other partise. Ericka also stated my home number was incorrect from what I was giving her. Ericka refused to escelate my call any further. I received an address to complain to.

I emailed both Chase Bank and Chase Circuit City services and received back emails stating they could not update my address via email but I would need to call. A third email to Chase stated I needed to call a special number, 1-800-947-3765 from my home number ending in XXXX. This number was what I attempted to verify with Ericka who stated over and over that was not what they had one file.

After all this frustration over changing an address I contacted the BBB. Chase Bank contacted me today from their executive services department. They stated they would forward the complain to Circuit City Executive Services. I was contacted by them a few hours later. The rep called me on the home number they had listed on file. I answered and verified all my information over again. She also refused to update my address without verifying additional information from other parties not attached to my account.

She stated since they could not pick up my home phone number when I contacted them they could not verify it was correct and must verify this additional information. I asked her if she called me on my home phone number, which she did. This was not enough for her to verify it as correct. I explained the caller id function on my home phone number is disabled as it is a cellular phone and will not be picked up by their system on calls I make to them. She did admit she called me on my home telephone number on their file but could not use this to verify my account

I have never been so frustrated and treated so badly by a company I have done business with. I have done everything in my power to simply UPDATE MY ADDRESS and they refuse to comply. I will never do business with Circuit City, and Chase as a result of this interaction again, if I can ever obtain an invoice to pay the bill I will be finished with this company forever.

I want everyone else to understands how horrible and frustrating they are to deal with so that they avoid these problems. A company with horrendous customer services such as Chase does not deserve to have any customers when they treat them this badly.

The reason why Chase is called Chase is because they will chase you down all hours of the day and night for their usury interest rates and your hard earned money.

They are pushy, especially at the Batavia, IL. downtown branch. They treat people like criminals, constantly try and pimp their high interest products. Chase has horrid customer service. We've seen people come in to Chase almost every time and throw a fit because of the bad service.

The only reason we go is that my husband owns a business and unfortunately, some people write banks from Chase so we take them to the home bank to avoid bounces. It's almost not worth it.

If you are in Batavia, IL. avoid the fat guy, the big lazy donut eater. He likes to preach policy and is very distressed with his own life. I would be too if I had to work for the devil, aka Chase. No bank is good but this one in particular stinks.

Chase is too big for their own good. I can't wait until they are bought out and the customer service losers owe money to other companies and lose their paychecks. Psych--gotcha. What comes around, goes around.

Chase is a rotten bank. Do not promote their credit cards, accounts or any product related. Go anywhere but there. Even TCF is better on service than Chase and that does not say much.