I've been a Chase customer for about 10 years--I came along with your acquisition of Washington Mutual. Unfortunately, my experiences with your ATM service has made me decide to leave Chase. I've started banking with Bank of America instead.
Chase has denied 5 of my ATM transactions over the past couple months: In Auburn, San Francisco, Alameda, and twice in Oakland. The explanation provided to me has been "fraud protection." I'm not convinced this is true, but if so, then clearly your algorithms aren't striking the right balance between security and convenience.
Even so, I feel we could've worked this out. You could've made it right. Getting denied at the ATM is bad, but not necessarily enough to switch banks. Unfortunately, your support just isn't good enough to overcome your poor software.
For example, first denial was outside an open branch (October 15, 2018). It was fairly easy to go inside and get my money instead. But could the teller tell me why the ATM denied me? No. And so instead of talking to the banker right in front of me, I later got a robocall from a number I didn't recognize.
Second denial was at a drive-though ATM, because the walk-up ATM was broken (did I mention you have ATM issues?). You followed up with an SMS asking about an ATM transaction I did over a month before--as if I'm supposed to just remember exact dates and amounts? Besides, I think the question was about the transaction I was denied. So "Did you make a withdrawal on...?" is hard to answer. Is it yes because I attempted it? Or is it no because I didn't actually get my money?
Third denial, I knew the drill. I immediately called the number on the back of my card. After a fair amount of rigmarole, I got a promise my card would work again in 5 minutes. 5 minutes later, it didn't work. Another call. Total time to make an ATM withdrawal? 25 minutes.
At that point, I decided to stop to banking at Chase. Though in the transition, I actually got denied a fourth time (Oakland), and a fifth (Alameda). At this point, I suspect you know you have a problem with your ATM network, but just aren't admitting it to customers. No matter--I'm no longer a customer. read more