Poor Service

You are aware that atm's only give out 20's right? I have been banking
for 10 years and i KNOW this fact. You are really dumb.

Why didn't you just withdraw $240? Then they would owe you and not
the other way around.

Good rule to live by: never withdraw more than you actually have.

When it CLEARLY is the OPs fault. This letter reeks with
entitlement......I so hate that. Repeat after me......YOU ARE NOT
SPECIAL, YOU ARE NOT SPECIAL, YOU ARE NOT SPECIAL.

Personal Adult Responsibility....if you are old enough to have a bank
account, you are old enough to be responsible with it, if you are not
responsible then you pay fees, thats it end of story, what part needs
to be clarified for you?

OK,

It's probably better that you aren't going to have a bank account with
them anymore because you just don't get it.

#1 - You don't close a bank account by withdrawing all the money
through the ATM. You opened it by going to the branch, you have to
close it the same way.

#2 - The ATM didn't just "give" you $20, it told you that you could
only withdraw in increments of $20. I know for a fact that the
machines do not allow you to enter in an odd amount because of that so
it's not like you keyed in $250 and the machine said, "No, you HAVE to
take $260."

Just like they won't allow you to enter in 5's or 1's when you are
withdrawing electronically, they don't do 10's either! It's too much
to keep track of.

Common sense should have told you that if you had $250 in the account
and the ATM only dispenses $20's then you'd

#3 - If you knew you had only $250 and you accepted that the ATM was
giving you $260, that is YOUR FAULT, not theirs. Why should they
reimburse you the fees for taking an extra $10 that wasn't yours AND
the fact that you took 3 weeks to get their $10 back to them when the
customer service rep TOLD you that you had to pay the $10 back at the
branch?

#4 - Your comments of "I think that they should have not charged me
and not used language like this." and "I hope they will listen to my
complaint and not treat their customers so poorly." are bordering on
ridiculous.

They charged you because you took money that was not yours and then
took your sweet time returning it. Every extension of credit comes
with some form of interest penalty. What language? Telling you to
pay up or you'd be reported to the credit bureaus? Not treat the
customers so poorly?? How about not taking advantage of the situation
by taking more than what you had available, taking 3 weeks to pay it
back and then expecting to not get charged for it.

Just like you said it's not YOUR fault they didn't have $10's in the
ATM, it's not THEIR fault you agreed to take more money than you had -
sorry.

So... if she went to an ATM, maybe the bank was closed, and she needed
her money because she was going out of town.

And, I worked for a bank for over a year, and we had 2 situations
where our ATM over compensated, and gave the customer more money then
they requested. We then compensated them for the fees. So maybe she
sisn't put in 260, but 250, and the ATM gave her 260. Oh wait...
that's what she said.

Also, if customer service was aware of the issue, and she called the
800 number, then the bank should have been more understanding.

Just a guess.

It's not my problem they don't keep $10 bills in ATM machines!

Apparently it IS your problem..

THe machine didn't give the OP $20 instead of the final $10 he/she
wanted. I believe the OP knew there was only $250 in there and that
most ATMs don't dispense $10 bills, so he/she purposely withdrew $260
in order to get every red cent he/she had in the bank.

"It wouldn't allow me to withdraw last $10, so ATM gave me $20."

I'm sort of curious - - if you are trying to withdraw say $10 from an
ATM which only dispenses $20 - - if you keep beating on the machine
will it eventually give you $20? What I'm trying to figure out is if
the ATM somehow automatically rounded the $10 request up to $20 or did
the OP keep getting error messages and finally said to himself - -
what the heck - - I'll take the $20?

WHY would you go to an ATM to "close your account"?? It would have
been ALOT smarter to go to an actual teller and do it there.. they
keep $10s at the counter!. I feel sorry for whatever bank you choose
next... Oh, and almost ALWAYS.. at all the ATMs I've used tell you to
enter an amount in 20s.. so that should have given you a clue right
there, and if it wouldnt do the 250... yet again.. ANOTHER CLUE!

In all fairness, it sounds like when he went to an ATM Kiosk that has
an ATM from the bank but does not have an actual bank there. Alot of
banks do it so they can have their customers avoid the ridiculous fees
between transfers.

Also, if the ATM dispenses only 20s, he would have been unable to
deposit the 10 back in it since I'm assuming he didn't have it.

Not defending this, as he deliberately overdrafted and then went out
of town, but it could have definately been handled better.

"I wanted to close my bank account with chase bank since I don't use
it on a regular basis."

Fair enough.

"So I went to a Chase ATM next to my house and tried to withdraw total
balance of $ 250.(200+20+20+20!)It wouldn't allow me to withdraw last
$ 10, so ATM gave me $20."

Wait, so instead of going to the actual bank to close your account,
you instead use an ATM to withdraw all of your money plus an extra ten
dollars on top of it? Whatever voice in your head told you this was a
good idea, I would suggest you tell it to kindly shut its dumb mouth.

"Subsequently I called their 1800 number and explained the
situation.Representative said she would take care of any charges and I
would have to personally go to a branch, pay $10 and close the
account."

So, of course, you went straight to the bank and straightened the
situation out immediately, correct?

"I had to travel out of town for three weeks, so couldn't do the
transaction right away."

Brilliant.

"When I came back and went to deposit $ 10, they mentioned I had
overdraft fees and unless I pay them, I wouldn't be able to close the
account."

So the bank charged you a fee for stealing ten dollars from them? The
barbarians!

"This bank manager directed me to another one where I had initially
opened the account."

Why do you keep breaking all your sentences off into separate
paragraphs?

"He refused to reverse the charges."

Stop it!

"I think this is unfair."

Of course you do.

"It's not my problem they don't keep $10 bills in ATM machines!"

First of all, ATM is short for Automatic Teller Machine, so there's no
reason to refer to it as an "ATM machine." And yes, this whole thing
is the bank's fault for not having $10 bills in their ATMs. I find
your logic fascinating, and I wish to subscribe to your newsletter.

"I did not want $260.I just wanted my $250."

Then pray tell, why did you take $260?

"Now, they are threatening to report me to collections agency if I
don't pay the overdraft fees."

So pay them.

"I have paid the fees approx $100 and want to close the account."

Hey, good for you. Taking responsibility.

"I think that they should have not charged me and not used language
like this."

Well, that didn't last long.

"I have NEVER had overdraft problem with this or any other bank
before."

It's not your actions in the past they're concerned about. It's what
you're doing in the present that they're concentrating on.

"I hope they will listen to my complaint and not treat their customers
so poorly."

Oh, please.

"Thanks."

You're welcome.

"Return my overdraft charges and amicably close the account."

Perhaps if you had "amicably" closed the account in the first place,
this whole sorry situation could've been avoided. But who needs
logical thinking when rash actions and unaccountability after the fact
work just as well? Hooray for irresponsibility, the cause of and
solution to all of life's problems!

I love this letter.

First, you state you want to close your account and take your business
elsewhere. Im sure Chase Bank is really going to want to work with
you now.

Second, you already paid for the overdraft fees. Why in the world is
chase going to refund them to you if you are no longer going to be a
customer? Any leverage you may have had (which was extremely little)
is now gone.

Third, why in the world did you withdraw $260 when you knew you only
had $250 available? The only thing you deserve is Chase laughing you
out the door.

Great Job.

Wow, talk about being ballsy. How can you sit there and say it's not
your fault when clearly it was? If you had wanted to close your
account, why not just go into a branch and do it that way. You could
have avoided all those fees and we wouldn't be reading this poor
attempt at trying to shift the blame to a company when very cleary the
problem is you!

Pay the fees. You caused them, and you need to live up to your
obligations. They don't owe you an apology; you owe them one.

It is your fault! You took out more money than you had and waited
three weeks to repay it. I hope you realize that simply emptying an
account does not close it. You have to go into a branch to close it.
Some banks may let you do it by calling the 800#.

Some banks charge fees if the balance drops below a certain point.
If you just took your money out and did not close the account
properly, you would get stuck with those fees also.

It IS your Fault.

They aren't being unreasonable, they're treating you exactly like
everyone else. They're not in the business of playing the "I paid
approx 100 in fees (how much ARE the fees SUPPOSED to be?) ...return
my overdraft charges and amicably close the account" game. You owe
them money for ignoring the rules and expecting special treatment.

ATM's are there for your convenience only. Unless you opened your
account at an ATM, the only way to close an account "amicably" is to
go to the bank. You apparently had 250 and witdrew 260 and blew them
off for three weeks, only to realize LATER it's on it's way to
collections. This whole letter is an exercise in futility.

Many times there are envelopes by the ATM machine for making deposits.
When you realized you had been given $10 too much, you could have
IMMEDIATELY redeposited that $10 back into the machine to be credited
on the same date. However, since you have $100 in fees, there may be
other things going on besides this.
I would have gone inside to close the account if I were you.

You had the time to call the 1800 number, but not enough time to go to
the bank and get all this straightened out before you went out of
town? Nope, sorry, that's your own fault. You knew what you had to do,
but blew it off and incurred the penalties. Pay the fees, get on with
your life.

In the future, when you want to close a bank account I suggest that
you go to a branch and not try to do it by ATM.

ATM machines dispense cash in $20 increments - - it is your
responsiblity as the account holder to know this.

The math is simple - - you had $250 in your account and you withdrew
$260 which equals being overdrawn.

It sounds like Chase was willing to work with you and allow you to
deposit $10 but you didn't show up for over three weeks during which
time they charged you overdraft fees and rightfully so.

Most ATM machines only have $20 bills. You should have only taken
$240 but you chose to take $260. You chose to take out more than you
had. Why should they return your overdraft charges?