I don't know why other people dislike them but in my case I had a checking account with them as a teenager and I had some thief charge a bunch of **bleep** to my account and he must have provided the account and routing number to the vendors because whatever he did it put my account negative $2500. I had to have my grandfather help me pay it back.
And then when I tried to use them years later, they claimed I never paid them back, and froze my account and took all the money I had in there claiming it was to pay them back. Even after I showed them the receipt pricing I already paid
@Anonymous
i was in no position to hire a lawyer and take on a giant bank in a legal dispute. My family and I decided it was best to just pay them the money.
honestly it was my fault for giving them a second chance and going back to them. After they refused to cover fraud/the lost money and I cut ties, I should have never given them a second chance.
back then TD had an option that left you over draft your account for heavy fees. The idea was that if you were broke and needed money, you could take money out of the atm to cover the purchase. Making the customer happy, and then TD got to charge you fees for doing this. So TD was happy. You could even take money out of the atm if your account was negative.
this feature probably aided the criminal, but from what I understand. When using the account and routing number to buy things. It will allow you to overdraft the account by thousands of dollars, and then all the charges will get returned once they realize you don't actually have the money to cover it. But whoever stole my account info didn't care about that, they got their items and left me to deal with the backlash. And TD fraud department at that time stunk. I guess they didn't believe me cause I was young? Not sure.
when you use a debit card it makes sure the money is there instantly, but using the account number it takes a couple days. So that was the big issue.
then when I gave them the second chance I showed them the receipt the local branch gave me proving i paid the $2500 back but they said because their system still said I owed the money they were going to take everything in my account and there was nothing that could be done. And like I said I wasn't in a position to sue. So they won that battle. And I swore to never use them for anything again.
Wanted to update on chases customer service
Update:
I made my first payment with chase and it posted the next business day. Not only that, but it also affected my available credit the next business day as well. Very impressed!
The fact that it was my first ever payment. Makes it double impressive. And add in that today is a federal holiday and the payment still posted today makes it even more impressive.
capital one put a 10 business day hold on my first payment, chase said hold my beer!
Surely do not want to challenge "Miss Liz" for fear of a "throat punch" that could be forth coming ...
Got'ta love it 
If you want to get something serious done with U.S. Bank, make the first call to their CSR, keep it brief. Wait for the customer service email then complain. That will elevate your needs and within a few days you will get a call from someone who can get things done.
Aven:
@ElvisCaprice wrote:If you want to get something serious done with U.S. Bank, make the first call to their CSR, keep it brief. Wait for the customer service email then complain. That will elevate your needs and within a few days you will get a call from someone who can get things done.
customer service survey
Imma jump in - I love discover, though I wish they'd give me another CLI.
Amex I haven't had to call to much but they've been good. Idk if I remember quite correctly - but sometimes maybe rushed off the phone.
Nah that's definitely Citi, which is absolutely horrible - just opened an account with them (simplicity) which my SL was (understandably) low, but CLIs have been impossible. They rush me off the phone - always foreign, in a rush. I'm really considering never opening another account with them because it's a miserable experience. I do want the AA Executive based on the awesome experience someone has with it.
US Bank seems like they have low quality CSRs. I really hope they sent me the correct credit card. I just did a PC to a Cash+ and I'm seeing "perks+" in the email and tracking link, idk what card that is but it's 5% back in the travel center and I do not want that.
Minimal experience with Wells Fargo..
I have been frustrated with PenFed for years.
