Learn your options to get your voice heard and make Chase Bank pay
You have a complaint against Chase Bank’s banking, mortgage, investing, or credit card services. Maybe the company has overcharged you, a salesperson misled you, or a service isn’t what the company promised.
What can you do to resolve the dispute?
At this point, you’ve probably tried calling Chase’s customer service. You’ve spent hours on the phone with hold messages, computerized menus, and if you’re lucky, a customer service representative. Now you want to know how to sue Chase Bank:
FILE A CLAIM AGAINST CHASE IN SMALL CLAIMS COURT
What is it? You’re not allowed to bring a claim against Chase in most courts; it’s there in the fine print of your contract with the company. But the exception is small claims court, which is an opportunity to bring your claim locally before a judge, up to a certain monetary limit. Small claims courts are only for certain types of claims, which means the first step is to make sure your claim qualifies for a hearing.
Claim Limits: Most small claims court limits range from $2,500 to $10,000. If your claim is more than the amount your state allows, you may not be able to file your case in small claims court.
Court Fees: Small claims court fees generally vary depending on the amount you claim against Chase.
The type of relief: There are two types of awards that you can seek in a lawsuit: monetary (a dollar value payment) and equitable (a non-monetary request). Most small claims courts grant monetary awards, not non-monetary awards.
When to try it: You have time and energy on your hands, and you want the chance to make your case against Chase public knowledge.
What you need to do: Locate your local small claims court and follow the steps presented on the court website to learn how to file a lawsuit. Each small claim court has its own procedure. Filing a small claims court lawsuit tends to be simpler legal process than the standard lawsuit process.
What to expect: If you follow all the steps precisely and have a strong claim against Chase, there’s a good chance you receive compensation. Additionally, Chase may offer you a settlement in exchange for dropping the civil suit against the company.
FILE A COMPLAINT AGAINST CHASE WITH THE CONSUMER FINANCIAL PROTECTION BUREAU
What is it? The Consumer Financial Protection Bureau (CFPB) is a federal government agency that regulates much of Chase’s business. The CFPB provides an informal channel for consumers to submit claims and complaints against Chase.
What happens to the claims depends on the internal procedures of the CFPB. You can find more information about these procedures here.
When to try it: You’re frustrated with Chase and want to make your complaint heard by the government. A CFPB complaint is generally not a way to pursue compensation.
What you need to do: File an informal complaint on the CFPB’s website.
What to expect: Your complaint posts online in a public database. It may be used in establishing the CFPB’s priorities for regulating companies like Chase. The company may be asked to respond to it.
FILE A BETTER BUSINESS BUREAU COMPLAINT AGAINST CHASE
What is it? The Better Business Bureau (BBB) and its local chapters are private organizations that collect and publish complaints against a wide range of companies. They are mainly funded by affiliate fees from businesses and usually offer these businesses an opportunity to respond to consumer complaints.
When to try it: When Chase’s BBB page shows that it is actively involved in responding to complaints. Or, alternatively, when you want another way to get your dissatisfaction out there on the internet.
What you need to do: Go to Chase’s BBB profile here and follow the instructions for submitting a complaint.
What to expect: This depends on whether the company actively responds to its BBB complaints. If it does, you may receive a response directly from them, or via the BBB. You may be asked for further documentation or clarification on your complaint. Ultimately, it is up to Chase whether they choose to acknowledge and offer compensation for your claim.
FILE A COMPLAINT AGAINST CHASE THROUGH INDEPENDENT ARBITRATION
What is it? Instead of filing a lawsuit in small claims court, the Chase Bank terms of service contract allows for a legal process called binding arbitration. An independent arbitrator hears both sides of a case before issuing a binding decision. Because the process costs Chase money, the company might try to settle your claim before the arbitration hearing.
When to try it: Any situation in which you believe Chase has misled you, violated its terms of service contract with you, or violated the law can be pursued through arbitration. Typically, claims involve a specific request for how Chase can fix the situation, which may include financial compensation. FairShake helps Chase customers pursue claims up to $10,000.
What you need to do: Fill out our form below to start your claim against Chase.
What to expect: Learn more about arbitration, and then start your claim below.
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