Anonymous
map-marker Miami, Florida

Victimized a second time by the bank

I used the iphone feature to cash a paycheck back in August of 2010. In Jan on 2011, I found out that someone stole the original check and cashed it at Bank of America in branch back in Nov 2010. By the way I do not have a Bank of America account. Jan 2011 Chase then debits my account for the amount of the stolen paycheck. The bank my job uses is Chase and my personal banking is also with Chase. I then file a police report stating the check had been stolen. Go to my nearest branch to try and resolve the issue. I am met with an attitude of indifference when dealing with CSR Katie Smith face to face. I am told to bring in a copy of the police report and a copy of the cashed check then they can start an investigation. So in the mean while my account is in a negative balance. I then contacted the comptroller of my company in New York and he sent a copy of the cashed check to the CSR in the Royal Palm Beach branch. I call the branch to follow up on my case and the CSR who is supposed to be handling my case is not in again. So I ask to speak with the manager since she said she has mad the manager aware of the problem. It has been nearly four hours and the manager has yet to call me back with an update of my situation. All day he has been unavailable. I offer to come to talk to the manager then. Again the CSR on the phone Alex tells me he will take my name and number and have the manager get back to me. So here I am a couple of weeks into my problem and it seems like the bank does not care. They don't care that the check was stolen, don't care that I don't have the cash equivalent to afford such a loss right now, don't care that the check was cashed more than 90 days after the day I cashed it. It seems like they only care about making me a victim for a second time. Even now I am still waiting on a phone call to resolve this. You would think that who ever deposited my stolen paycheck in Bank of America would have needed to provide an account number and some ID to do so. In a day and age of modern technology and cameras they can easily have the footage pulled from where it was cashed and see who cashed it. By doing that they would know it was not me and would prove that the person who cashed it was not given it by me. But the bank does not appear interested in justice or fairness. I feel as if I have been robbed a second time by the bank. Cause after 60 days of a negative balance the account gets closed and to collections it goes. And another negative remark added to my credit report.
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Loss:
$558
2 comments
Guest

R U Kidding? When you deposited that check into Chase you had to write on the back that you were depositing it only into your certain account right?

when B of A looked at the check that was deposited there it should have either been writen on or dmaged to get the pen off of the back.

Why are you not mad at B of A they are at fault not to mention the check had already been deposited. Maybe someone at your company printed off a second check illegally gave it to someone that they knew.

Carmesha Cmd

This is horrible! I'm upset right along with you!!

They don't care -- it's like you actually have to be the [a]sshole to get some answers.. I hope you get your money...

and soon. I doubt it, though.

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ItSureIsWindy
map-marker Sacramento, California

Chase doesn't care about account holders

I had an account with Washington Mutual for a while before they switched over to Chase. WaMu was okay, I had some trouble with them but nothing too terrible... but it didn't take me long to realize that Chase is only interested in charging you ridiculous overdraft fees and screwing you over as much as they possibly can. The first problem I had was with a transfer I did through an ATM. Not long after they switched over to Chase, I went out to purchase something. On the way I stopped at a Chase bank in Fair Oaks, CA to transfer some funds, because I had a little less than I needed in my checking account to cover what I intended to buy. I transferred $40 from savings to checking, and got a receipt to make sure it had gone through. I even checked my balance on the same ATM, and it all looked fine. I bought what I needed and went home. Several days later, I was checking my online banking and lo and behold, I had an overdraft charge! My account was in the negative, and the transferred money was nowhere to be seen. I checked my recent transactions and it said that, at the correct time and date, the $40 had been WITHDRAWN. Despite the fact that I had checked my receipt (which I unfortunately threw away afterward) AND my balance to ensure that it had gone through. Uh, if I withdrew the money instead of transferring it, WHERE DID IT GO? Because it most certainly did NOT come out of the ATM. I never received it in any form. It was just gone, apparently into thin air... and all I had to show for it was an overdraft charge of about $25. But still, I gave them the benefit of the doubt, and carried on as usual since I had no proof. I wish, now, that I had tried to do something about it. Several months later, I was in a similar position and transferred $100 from savings to checking (online this time) to cover expenses. In the next few days I used my card, running it as credit, to get gas. Despite the fact that I checked my online banking EVERY DAY, and it had already said that the transfer had gone through, I signed onto online banking about a week after the fact to find THREE overdraft fees. The gas station charge had shown up, about a week after I had made the purchase, but somehow it showed up as happening BEFORE the transfer... which had been in my account the whole time. Confused and outraged, I went to the nearest branch to try to sort this out. The teller I spoke to clearly had no clue what he was doing! I was trying to stay calm and courteous, but he just had no clue and kept trying to tell me that the $100 transfer had been a withdrawal FROM my checking, even showing me his computer screen where it said something like "transfer +$100.00" and saying things like "See here? You made a $100 purchase that put you over the limit." I don't know why he was unable to read the account information at the bank THAT HE WORKS AT! Still, I was nothing but polite because I knew it wasn't his fault... and then the manager came over to see what was wrong. I do not know what this woman's problem was, but she was EXTREMELY rude and dismissive towards me from the very beginning. She waved the teller away then spent ten minutes talking down to me like I was a *** child, telling me it was my own fault and I should have been more responsible. Despite my repeatedly asking her why the charge hadn't shown up on my online banking for a week, and THEN showed up as happening before the transfer, she completely ignored me and kept berating me like I was 5. She wouldn't even attempt to explain to me why, even if I had overdrawn, there were THREE overdraft fees for ONE charge. By the time I gave up and left I was nearly in tears. I could not believe the vicious behavior I had been subjected to, and soon afterward I closed my accounts and switched to a new bank... one that actually VALUES me as a customer and doesn't try to squeeze me for all they can get. This was almost a year ago now so I think it has been too long to do anything, but I wish at the time that I had escalated the issue and tried to stand up for myself and my rights. At the very least, I wanted to write this out and hopefully save at least one person from getting suckered by this horrible excuse for a banking institution.
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Loss:
$140
sharon s Qfx
map-marker New England, North Dakota

Chase says they will get back to me in 15 days.

Chase has been escrowing money to pay my homeowners policy. It was cancelled for lack of payment. Chase has not made a payment in a year and says it is because The Hartford never sent them a bill. Where is the escrowed money? Now I am in a high risk pool and have to pay double the premiums. And, Chase wants proof of homeowners insurance immediately. No one is taking responsibility and I have been on the telephone for 3 hours. If you call them you go through a phone chain and your call is not in any category, and I got disconnected 3 times.Where is my money? Chase will get back to me in 15 days. Chase will get back to me in 15 days.
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1 comment
Guest

I have been contacted by Chase on three different ocassions regarding refinancing do to my good payment history. Ever time I called to receive the lower rate and no fee refinance, I was jerked around.

A rep named Chance took my information and told me I had a 2nd mortage,a interest only mortgage all of which is not true. I said I have no idea where you are getting your information from but you are so wrong. Then it was they can't do anything for me because of my debit to income ratio. All they do is blow smoke and get you pissed off.

I told Chase I would send my house keys to them! Obama needs to get after these banks as they are not doing what Obama says they are suppose to be doing helping us americans get back on our feet

Carmesha Cmd
map-marker Ellenwood, Georgia

CHASE is a friggin joke.

I opened an account with my roommate at Chase in November 2010. They assigned me some banker who could barely speak and/or understand English, but we managed to figure it all out. -- SO, I THOUGHT! First -- they send me a debit card that WASNT linked to an account. Who the [f]uck does that?? What's the point? Can't use it! Second -- they charged a withdrawal fee AFTER I withdrew from an actual teller at Chase. Ummmm... dumb[a]sses. Third -- They froze my account due to "fraud" on Christmas Eve without so much as a phone call. (At LEAST when it happened at Washington Mutual they called the number I gave them on file and asked me if I had made those purchases.....) Fourth -- They froze my account AGAIN due to "fraud" and I wasn't able to pay my rent. Now.. all these alleged FRAUD charges -- BULLSHYT. I don't withdraw from random ATMS or buy anything online. They're always [f]uckin with my money in some way and I can't stand it. My story isn't as bad as most of yours but I feel your pain. DOWN WITH CHASE!!!! ***.K. Chase! I hate their business.
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Scammed Bzm
map-marker New York, New York

Chase bank backs *** operations

Can anyone help me? I am lost, don't have the money for a lawyer and have be conned out of $40,000 by a *** Operation backed by Chase Bank. I cannot pay the $40,000 billed to me for absolutely nothing. No Services or Products were ever given to or received by me. I am being billed for absolutely non existent stuff. Help. I was conned into a scam one evening. I immediately cancelled the arrangnment but was refused. I called Chase bank immediately to report the scam and have them not authorize the charges. Chase told me they would not authorize the charges but later let them go through. The Cons refused to listen to my complaint and cancellations and so did Chase bank. Chase refuses to honor their intial agreement to not authorize the charges. Chase insists on billing me for absolutely no product or service. I have not paid in months, not only because I cannot afford to but also it is just not right to pay for absolutely nothing. The company involved has been shut down by the Feds as a scam operation and principals arrested. However, Chase still insists on making me pay for nothing. My one moment of weak insanity has destroyed me. I have written letters to Chase, the Cons, Various Federal Departments, Senators and Congressmen. I have asked news people to help me out. All but Chase are sympathetic and say that Chase is wrong in charging me. Only Chase has given me a hard time. My excellent 800 credit score is now completely ruined. I am a retired person who is living on a pension and job prospects are bleak at this stage of the game. So, I don't know what else to do to eliminate this bogus debt outside of personal bankruptcy. Any suggestions.
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2 comments
Guest

Since the amount in question is pretty huge ($40k), I would recommend you handle the situation through your lawyer. If you were promised merchandise or services that were never delivered, that is fraud by the Merchant and is covered by your credit card agreement.

Chase, in that situation, will owe you a full refund.

Your lawyer can work with them and escalate to comptroller of the currency if needed. He can also file a claim in court against Chase and force them to appear and defend their actions.

Guest

No, Nerdlinger.

You are wrong and prejudicial. All is truth and I haven't related all that went down. Just enough to give someone the info.

Apparently, you are just a troublemaking person who probably works for the crooked Chase organization. I was looking for some constructive ideas from commentors not the frivolous *** comming from you.

This site now looks like it isn't the place for looking for help. Scammers and Banks like Chase need to be controlled and shut down. Taking advantage of the working class stiff who has supported this economy all along is just immoral. This Site apparently attracts the same kind of persons who are destroying this country.

You should get a life instead of wastting the time and space of people with problems in need of help.

I was scammmed and abused by Chase Bank period.

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LSA S
map-marker Santa Barbara, California

In a Loan Modification

I applied for a Loan Modification with Chase Bank, formerly WAMU, 18 months ago. To this date it is still in "process." I started this application before I needed it as I do now, to advert to any delay in payments for my mortgage, due to loss of income, etc. with a sinking sub prime mortgage market and economy. During these 18 months, Chase has lost my file 3 times, required documents 6 different times "after" they have signed and received them into their system. If I did not track every phone call, every documents, etc. every 10 days, I would not be in this process to this degree. My file would have been in no man's land. But I want and need this loan modification, so here I am. I have been directed by Chase in October 2009 to re-file for the Loan Modification- only "if you are 60 days late" would they take the application for the "new" Loan Modification. I filed again in October under their rules and being late has ruined my credit. Further, they lost more documents I sent in with the application, thus terminating my application. I refiled again in December 2009 and then was grated a "3 Month Trial Period Loan Modification" during which time they set the amount due each month,at the same time Chase is charging me late fees and reporting a negative to my credit file. I was early each month with my payment. In February 2010 I was requested by Chase to send an "entire" new documentation for this Trial Program. I did - 194 pages worth, plus hand signed bank statements because they don't accept copies. I did it all over and over again and sent them in early. Now, Chase is requiring a whole new file, including another (3rd) appraisal, because the appraisal they did in February 2010 is "outdated." To this date I am still waiting for a permanent Loan Modification, but they say I need new documents, after they signed and received the previous 6 files! I use to think (back in 2009) that Chase was just incompetent. Now I know this behavior is intentional - they simply want you to default, ruin your credit and continue the mess of the financials. I feel Chase has behaved in a conscious way to ruin my credit, poise themselves as "helping" you and spreading untruths with more and more delays and business smoke screens so they will not lend the money and keep people in their homes. And didn't our government lend them money to help this? The demoralization that Chase and all the other banks who created this economic downfall know exactly what they are doing. I know I am not alone in this process. There are thousands of other people, families that are doing and experiencing the same pathetic behavior and it's all going to come out in some huge class action suit later when all the cards come in. I won't give up. Thanks for listening.
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Loss:
$1
41 comments
Guest

that is exactly what they did to me between 2009-****. they make you beg for that modification and now there screwing up my mortgage again in 2013 with an increase in my payment of over $250 per month that they know i can't afford of social security.

THEY DON'T CARE. they said to reapply for another modification. i told them they will never put me through that *** again as i would have a heart attack if i tried. i'm getting my paperwork together to file a lawsuit and see where that goes as i have no other option.

they have NO right to hold your payments like they did to me.

i never missed a payment and they said i had to show they were late to do the modification so they held payments for several months and trasked my credit while they did it. now it's payback time i've had enough of these crocks.

Guest

We first filed our modification paperwork in July 2009. After doing everything Chase asked,sending the paperwork 7 times, calling every couple of weeks to check the progress, we finally get a FedEx package from Chase.

Ripping it open and fully believing we've been granted our modification, the letter simply states they are denying us the modification, we can pay everything we owe plus all the late fees within 30 days or they are proceeding with the foreclosure. You know what...they beat us.

After 16 years in the same house, never missing a payment, near perfect credit, we're done. They can have it and I hope the bigwigs at Chase burn in ***.

Guest

Chase promised me a modification for two years I have applied three times. I stopped giving them money I know they are playing games.

I read where people sent them monthly payments and never got a modification. They started foreclosure on me.

Everytime you fill out for a modification the government gives chase money. Florida needs a class action law suit against chase.

Guest

i am in same boat , husband died i lost half of income. Qualify in every way for modification.

applied November09. But i do recommend you contact hud or look up agencies for making home affordable. they are free to you ( they get paid a fee from hud or government) but you do not pay. I fax Chase and housing opportunities same paperwork so i have a record with hud of all documents sent.

So far Chase doesn't care but my family is helping me i am no later than 20 days on my mortgage ( Chase wouldn't change due date to end of month when i get social security) they are not allowed to charge late fees once you have applied for Obama loan modification page 10 of home affordable program guidelines March 4, 2009 states UNPAID lATE fEES WAIVED. CONTACT Chase and tell them they are violating government guidelines trying to charge late fees. be persistent and have them removed immediately because they will add up quickly. I go to my local Chase bank and have them fax all paperwork and have them call to have fee removed if I am unsuccessful.

They know who to call. hang in there so now they've been made accountable for trying to mess over Military, how about widows, families with children next. good luck be persistent.

look on the computer and make sure you hang in there. maybe some lawyer will decide there is a class action case, i doubt it Chase is too powerful.

Guest

How many copies of the same paperwork would actually be needed by CHASE for a loan modification? How about three or four full sets of 15+ pages only to get the same *** from CHASE talking about paperwork not submitted on time or even worst, I mentioned to the representatives that I was getting laid of and they made my wife file the paperwork again (that makes 5 times) only to tell her that she does not make enough to qualify for a loan modification.

I think the banks are actually after the homes of people who cannot afford the payments whether they qualify or not under Obama's recovery plan. Who's watching the banks and their dishonest practices?????????

Maybe some high ranked politician has some money invested on CHASE or someone is getting sweet kickbacks to just look the other way. So much for helping families keep their homes.

Guest

I'm also in the same boat. I'm finally in the "trial period" and yet to receive any documents.

They keep telling me that they have sent them FedEx yet nothing for 4 months. I'm working through a modification company and my representative is always getting the run around. I'm truly thinking about just stopping all payments. If they want my condo that is worth 45% of what I paid, they can have it.

They have already ruined my credit, charging for late fees, ect.. that a foreclosure on the report won't make a difference. Three yeard of this BS is absolutely ridiculous.

If there is a class action suit in FL please let me know. :( :(

Guest

Same here,ditto ditto ditto, only with our case they keep telling us that "you make too much", because they qualify you on your gross income. Who the _ _ _ _ does that?

Who care what we gross, all I know is what I bring home, thats what pays the bills,right? Where is the class action law suit that we need, I'M IN!

Guest

Your story is exactly like mine. Have you had any success yet. I am trying to find legal help do you know anyone that can hel?

Guest

I am in the same situation and in addition Chase stated to me that my home was in foreclosure and listed with an agent. I was given the agents name and phone number only to find that my property is not listed and the agent has no record of my property.

Chase has denied 2 very good short sale offers on my property even though the property is covered by PMI and no other home in the area has sold for what they contend my home is worth. There were two home in the subdivision much nicer than mine that both sold for 80 and 60 thousand less than what chase is asking. I submitted a buyer with an offer only 20 thousand less than Chase's offer only to be denied. Trying to help the home owner?

I don't think so. Trying to sell these home? Doubt it.

It seems that the Banks and Insurance companies are working together in keeping these programs from working. There needs to be a class action suit to deal with these obvious untruths!

susan Dfh

Ditto to all the above...

After 20 years of home ownership, great credit, great business, Chase is destroying everything! I've been trying to refi since 2008 following a near fatal car accident. Same BS--Chase's too busy filing foreclosures so I'm told by them to stop making payments for 3 months and Chase will then contact me to refinance.

Instead of the anticipated phone call, a sheriff serves me with a foreclosure notice!!!

Since then, Chase WILL NOT accept my mortgage payments, has provided zero communication, lost numerous documents, lost offers to refinance, changed interest rate offers at random.

After 3 years of mediation, hearings, lawyer fees (mine) Chase won't even comply with the comply with the court order to provide documents. The foreclosure is dismissed without prejudice which means Chase can refile if and when they get their act together.

I've been in business for 20+ years and now firmly believe Chase is deferring the filing of foreclosures intentionally in order to show fewer foreclosures so as to artificially bouy their stock for as long as they can. Then insiders will sell short just before Chase is forced to reconcile the millions of mortgages they've destroyed.

Any class action in Ohio, if so, pls. advise!

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william Mqp
map-marker Harrisburg, Pennsylvania

Chase Home Finance scam with flood insurance.

Chase plays slight of hand when it charges for flood insurance. It starts out with a letter telling you that you need to flood insurance. If you send in your information but never get a confirmation from chase. Chase can claim that they never received any information and goes about purchasing flood insurance for your property. Then they hide the charge in the escrow, which they only send out once a year how they itemise the escrow charges. Chase if you were honest and on the up and up you would add it to the optional products line in the loan information section of the monthly statement. CHASE it is time to be honest and not hide your money making tricks.
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1 comment
Guest

Did You get denied for Home Modification ?

Are You In Forclousure ?

Are You Behind on Your Mortgage ?

If you have fallen behind on your mortgage as a result of a loss of income

and can't refinance your mortage due to loan to value issues, I can potentially

help you avoid foreclosure!

We also specialize in chapter 7 and 13 Bankruptcy,affordable and professional.

WE CAN HELP YOU NO MATTER WHAT YOUR SITUATION.

Help is only a phone call away!

Contact us!!!!! 212 709 ****

Anonymous
map-marker Detroit, Michigan

Interest charged for a zero balance

chase bank lowered my credit limit because i paid off the balance every month and now they're charging me interest if i maintain a zero balance - i hope they have to sell out soon because this is crazy! i have excellent credit and have had no problems with any other credit card or with WaMu before they sold out to chase for that matter. things must be pretty bad for chase because of people like me closing our accounts rather than get ripped off with sometimes triple interest rates and now interest on a zero balance - and they are very rude so i don't mind being rude to them.
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1 comment
Guest

you better call and speak to a english speaking person( they r based out of india) i have not heard of any credit card co thats is charging for no balance,call bbb and attorney generals office, i would close and move on to another card. they cannot support usa

Anonymous
map-marker Santa Barbara, California

Chase-Loan Modification - Class Action

Please know that a Class Action has been filed in the State of California against JPMorgan Chase. It is filed on a state by state basis under "unfair business practices" - if you wish to file one, please contact Irina Slavina, Esq. at Islavina@***.com. This firm I contacted to investigate a class action. Also call Jay Murrell, 805 215 **** - he can provide more information, as he is"in" a class action suit. JPMorgan Chase can not continue this unfair business practices any longer - it's all going to come out in the public!

We are all in this together.

L.Sands

Santa Barbara, CA

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54 comments
Guest

Just throwing this out there...why would you want to file a class action lawsuit against Chase? Does everyone really understand how class action lawsuits generally work?

They typically end up as follows:

Monetary Damage Settlement - MINUS 30-40% For Attorney Fees = each plaintiff receives a "nominal amount" generally from hundreds of dollars to several thousand dollars.

This might cover a mortgage payment or two but is certainly NOT going to save your home.

There are some exceptions to this, however, history says otherwise. There are better formatted lawsuits available to deal with this particular type of issue.

Guest

IS anyone doing a class action in CT? We are filing ourselves against Chase but would love to go after them in a class action too.

They out right lied to us. I will have my day in court with them.

Guest

I would like information about any suits against chase in California. I was told in 2010 to stop making my loan payments so that I could qualify for a loan modification.

I had never been late on a loan mortgage in over 30 years but I did as they said.

I was put in the loan modification mode of paperwork requests for over two years. Then I was sent a foreclosure notice. While still being reviewed for modification. I was told that they would foreclose unless ( that I could not qualify for a modification as my home had equity )

I did not have the money to bring my loan current and lost my home.

They actually had me sign papers to stop modification in order to do a short sale! I agreed to the short sale as I had just had brain surgery and couldn't fight them anymore or under stand the paper work they continually had me update for my loan modification.

Really not 2 years later and recovered from surgery, I realize how they took my home when I really couldn't understand or think straight.

My home was all I had, My retirement and if I was healthy and of right mind I never would have agreed to sell my home in a short sale because of never being approved for a modification I never would have been involved in knowing they never had any intensions of approving.

I want my home back and all the stress and lies told to me to be redeemed from CHASE! BTW I was employed by Chase as a loan closer during the refi crunch (push the loans through) in 2003-****...irony huh?

Guest

Tocuhdwon! That's a really cool way of putting it!

Guest

I too got a modification however they applied all fees on the back end which increased my mortgage. The house is now worth 110 and I owe 127,000.00. I sent them all the trial payments and it toook them a year to figure it out now I had to default on credit cards to pay for house.

Guest

been at modification for 3 years paid forebearance plans top floor is rented for 750 original balance in 2009 was $45,000 now 3 years later, $77,000 been going to court once a month for the last three years. ready to walk away any class action in CT if so drucifer61@***.com

Guest
reply icon Replying to comment of Guest-470065

We are in CT. Chase has donr the same to us.

If you hear anything please let me now.

sweetscents53@***.com

Guest

Was it legal for Chase to start a modification program, never send receipts, and make promise after promise of lies for over a year to customers? I thought that loan modification was like bank bail outs which i am quite sure Chase applied for from the White House.

They were suppose to help not drown the customers. The debts were raised to the customers and the financial breakthrough only went to Chase. What a shame!

Customer satisfaction is not Chase #1 goal. It is obvious.

Guest

I was three months behind in my payments due to my father's illness and death and out of work (teaching) for a while. I was offered and told by Chase that I could lower my payments and sign for a modification loan. That modification period by Chase was suppose to last for three months. I was told to make payments of $100.00 lower from my regular payment until the modification period was over. I was also told that my credit would not be reported as long as I was making the payments on time. Three months came. I made over 100 calls and only promises were given. Three months went to fifteen months and over 1000 calls to Chase from me. I still got promises and were told of the backlog of customers that they had.

Finally,I got a modification noyice that requested my signature and it had extended my loan for 30 more years and added $133,000 in finance charges. The total consolidation loan was #233,000.00. Had my payments been on time,my balance on my current loan would have been only 104,000.00.

I was forced toget a loan from another bank and catch up my payments totaling now over $8,000.00 or be ripped off by Chase with a 30 year mortgage totaling #233,000.00 for the same house. What an attempted ripoff. The payment of $8,000.00 was an overpayment that Chase requested. They NEVER sent me a receipt for payments during the modification period or a statement because thay said that it was against company policy. I was instructed to just keep making payments and make them on time or I would be ordered into foreclosure.

To date, Chase has not changed the credit reporting as being late during that rip off and deceitful modification period,they have not returned phone calls. They also should not have incurred any interest on my loan during that deceitful and lying modification tricky period. I would choose another bank immediately if Chase had helped with the points on my credit score as promised and not waste so much of my time lying and keeping me on hold with hope for nothing. Chase whole intent was to keep me hanging on for life and then drop a timebomb on me so that I could lose everything and they start the modification trick all over again with the same house and a new client. Chase's modification plan was definitely designed to help its customers fall while Chase gain. I definitrly want to be part of the class action lawsuit. God is Soverign. Whatsoever a man sows, that shall he also reap

Guest

I live in Ga, tried to get a modification from chase, original mortgage was 1188.00 after the modification mortgage went to 1405.00, I advised them that this amount was higher that the original mortgage, now my family and I are forced to do a short sale, so that the house will not go into foreclosure.

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Chase H Ixo
map-marker Reston, Virginia

Chase Bank Collections Department is harassing my family

My husband and I have a home equity loan with Chase. We have never been late with our payments. We have had some financial problems lately. They will not stop calling. They have called my daughter in college while she was taking a final. Tonight they called my 90 year old father in law. They call one number after another. I am new at collections since we have always paid our bills on time. I called them tonight to complain and tell them once again not to call my family members as it is not their problem. The very rude man wouldn't even listen to me and kept talking over me and was shouting so I was shouting. He said some very nasty things. I called back and spoke to a supervisor who was just as rude. He told me that he can call my grandmother, my brother,,,,etc. if he wanted. He has been in collections for 13 years and he knows the law is what he so proudly told me. I hope that Chase goes out of business and all of the nasty collections people become unemployed and have collection agents calling them! The best part is they never asked me when I could pay the bill. Don't ever do business with Chase if you have a choice. I seriously think they get some sort of personal joy out of other people's misery. I am sick to my stomach on a daily basis over the condition of my finances right now and would love to be able to pay the bill. Who would chose to be in collections?! I certainly wouldn't......
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6 comments
Guest

Under the Fair Debt Collection Practices Act there are several restrictions placed on debt collecters. You should do some research and look into what all you can do.

You can even sue the collection company and even an individual collector if he is breaking regulations.

We have all had some kind of issue with collectors in our past and as long as you know your rights and what you can do it will stop. Good luck.

Guest

I have credit cards, mortgages, savings, and premier accounts with Chase----They just woke me for the 3rd, and last time on a saturday at 8:00 a.m. I am pulling all of my accounts out and contacting the attorney general

Guest

I have the same experience. Mr.

Poindexter can take a hike, I PAY MY BILLS ON TIME EVERY MONTH AND STILL THEY CALL ME THREE OR FOUR TIMES A DAY just because I don't pay on the first of the month. I have sent them cease and desist letters but they say they didn't receive them, they have ONE SINGLE fax line in Jacksonville Florida that is always busy (SO convenient, to make it impossible for customers to respond)

Guest

They have my daughter's cell phone number because she has a bank account with them also. She only has it with Chase because it is near her school.

My father in law also has his bank account with Chase. They just run the names and any other name associated with the person they are trying to contact will come up. Poindexter nerdlinger you are a very nasty and *** person. This site is for people to write about things/people/places/businesses that "***" you off.

I am not a deadbeat or a lazy moocher. I also am not asking anyone to feel sorry for my family. I am just expressing my anger since this is what this site is for. I am not asking for your opinion nor do I care about your opinion because obviously you are a ***.

Please find some other way to get your entertainment.

Finances are a serious matter and no one wants to have problems with them. Mind your own business and go away.

Guest

I've had the same harassing phone calls and it sounds like it's from the same *** off! He would talk over us, and get rude, telling us we don't care and we know nothing!

I too wish they would go out of business, they should never have our business again! And to Poindexter, you feel as if your great?! Uhm try being unemployed and looking for job after job being told the position was taken or their not hiring! A lot of people are unemployed and can't afford their bills at this moment during this horrible economy downfall!

So maybe you should get a life and pay your own bills instead of making mommy and daddy do it! Anyways, your not the only one in that boat "Chase Hater" we're right there with you and have had several people called as well!

Their office is in Jacksonville FL, I'd love to have those same nasty words told to my face! haha WE HATE CHASE!

Guest

Why do they have your kid's cell phone number? Or your father in law?

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kcreel C
map-marker Dallas, Texas

Chase Bank mad customer

My husband, and I went through MHA(making home affordable) program for Year and half we were one of the first people in the program.I lost my job in Sep2009. and was in the program got two payments behind got into the program they gave us a trial period payment from 1005.00 to 846.00.paid that then they continued to do the run around lose paperwork,refile,take there time a year later after calling to check on process of loan.Got fed up called comp of troller Governors office filed complaint they were quick to get on the ball only to denie us from the program two days later.then they gave us 15 days to come up with 7,000 do to all the late fees, and they stated we should of made full payment all along! enen though didnt miss house payment and paid what they wanted. Have proof of everything.or forcloser proceddings my husband cashed in his retirement after two years still mad about this they got there bail out money to help now where is the real help for the homeowners?Would like to no if there is anything more I can do as a homeowner to take more action? thank you
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Loss:
$7
3 comments
Guest

Noni thanks I am still having issues with them. I will look into that. Sorry to hear about your husband.Also sorry you have to go through chase bank!I really hope everything works out for you.thanks again.

Guest

if you were in the Home Affordable Program page 10 of the program guidelines from March 4, 2009. specifically states UNPAID LATE FEES WAIVED: Unpaid late fees will be waived for the borrower.

These include late fees prior to the start of the Trial Period and accrued during the period. I printed up the 17 page guidelines from the internet. I applied in November 2009. My husband died and I lost half of our income.

You can re-apply if you meet guidelines, but, do not miss any payments. That is where they get you. also they escrowed my account and I was making the tax and insurance payments myself. but they are supposed to give you time to make escrow payments not lump sum.

The issue I am having of course they don't want to comply with government guidelines and are trying to charge me late fees as of Dec 2010. I contact them and have them waive fees immediately as they will add up and they aren't even supposed to be added.

They messed with the military, families and widows with children. Great bank (NOT)

kcreel C

Did not check my spelling before I hit send! Sorry.

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dlsdfdsjfsldkfsd
map-marker Hilton, New York

Chase Home Modification

FILE A COMPLIANT WITH THE OCC DEPARTMENT. WEBSITE ADDRESS IS WWW.HELPMEWITHMYBANK.GOV PHONE # IS 1-80*-613-****. I Have been trying to get a modification since 11/2008. This is ridiculous! They have been giving me the run around. My account keeps getting assigned to different relationship managers and no one is getting anything accomplished. The keep asking me to fax current information and sign documents over and over again. Please keep filing complaints with the above department maybe some will be done. When I started the modification process I was 3 months behind and they now are not posting my payments and Im 8 months behind> HELP
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2 comments
Guest

I am looking for individuals to join me in a potential Class Action lawsuit against Chase Bank for violating my home owner rights and failing to follow Home Affordable Modification Program (HAMP) guidelines. Ifyou were approved for the trial period, made all of your scheduled payments on time,in New York State andthen you were denied for a modification, please contact me.

joejoe1815 @ gmail . com

JamesTJ

get a credit councellor to assist you with the Mod, they are FREE to consumersm and it provides ypou with another witness to the events.. or tell them to go jump and file a chapter 13 they will HAVE to accept your payments..they will have NO choice.....get a chapter 13 lawyer..

fast.... do it before they post to sell

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George Rsy
map-marker Orlando, Florida

I also Hate Chase Credit Card

I carry 2 Chase Cards, a Visa $25K I use regularly for Internet and Emergency purposes and a MasterCard $15K that I keep open just for credit rating enhancement. The MC only had their "Fraud Alert" charges hitting it as I don't charge anything on it otherwise. Both have been kept scrupulously paid up on time. An out of state trip recently kept me from noticing the MC fraud charge was overdue and I paid it immediately upon returning. Chase just penalized me for failing to pay on time THEIR charge of less than $8.00 on time. My credit rating has been excellent +++++. I use my PC regularly to check on all my checking and credit accounts. Chase enticed me to use their "Fraud Alert" service after a very suspicious attempt they alerted me to involving my Visa card which very well could have only been THEM using a phony story in order to sell me on letting them add the Fraud Alert to my cards. I immediately had them drop that service as I will NOT keep rewarding Chase for skimming $8 roughly off monthly from my MC when they are going to turn around and run my interest rate up so high I'd be a fool to actually charge any major purchase on it. The interest on the MC is over 2X that of my Visa from the same company. That makes no sense whatsoever except that they want me to drop that MC. I won't do it to spite them now. We charge a small service charge to your card, hoping one time you miss paying the 'peanuts' charge one month so we can run up your interest and damage your credit in the process ? *** Bags !!!!!!
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3 comments
Guest

That's actually not entirely true. I have a Chase card and I was 2 days late paying my bill and they reported me to the credit bureaus.

Of course when I spoke to CS there was nothing they could do about it.

And yes I am one of those responsible card holders who are rarely late on payments, such as the Chase account. I also HATE Chase bank!

Guest

Actually, you must be 30-days past due before anything gets reported to the credit score company, so if you have missed your payment by Chase's deadline by a week or so, yes you have to pay the late payment/charges, BUT nothing was reported to the credit score company to damage your credit score.

Like I said, they only post when you are 30days, 60 days, 90 days..

Hope this helps ease the pain :)

Guest

I've been a long time Chase TravelPlus Visa card holder (~20+ yrs.) I accepted the offer for "Fraud Alert" a couple of yrs. ago, but when the pkg. arrived & I realized how much personal data on my other credit cards, etc. I'd be providing to them, it made me uncomfortable. My concerns of potential data breaches on their end could leave me in an even less secure state than without it. So I cancelled/opted out of Fraud Alert & never returned any of my sensitive data.

I'm real glad I did because I've already got enough issues with them over their denial to credit fraudulent charges to my account. I intend to file my complaints with the FTC shortly & would like to find a class action suit against Chase to join concerning their failure to address my issues fairly. I've begun to wonder if they are treating customers with complaints unfairly since they instituted "arbitration clauses" into their Cardmember Agreements. Not to mention that the 2 businesses I have my fraudulent charge complaints on are some of the largest international merchants that Chase processes payments for! Might I suggest, there is a serious conflict of interest potential going on here folks!!!

By the way, was your Fraud Alert program administered by Chase Visa servicing or through a 3rd party vendor? You know there's always the chance they'll spin off services (like they did with our TravelPlus program admin. to 2 different 3rd party subs. in the last 10+ yrs.) and then Chase Visa says they no longer have any responsibility for problems/complaints you may have with those 3rd party outsourcers. It's really scummy, but quite the norm now days I believe

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tickedbankconsumer G
map-marker Richardson, Texas

Unscrupulous Bank Collection Practices

I had a problem with unscrupulous business practices by the collections department at JP Morgan Chase Bank. Here is my story and I hope something can be done to change practices like this, as well as hopefully help me:

I closed out a business account with Chase. When I closed it, they said there were no pending transactions and gave me a check. As it turns out, there was a transaction, assumedly cleared, that came through that day. So, instead of closing the account, it caused my account to overdraft in the amount of $2040 ($40 in fees). The collections department of Chase then called on 12/2 to inform me that my account was overdrawn. I told them the account was closed. They said to go to my local branch to figure it out, which I did. I went to close out my personal account, but they were holding my $2040 hostage to cover the BUSINESS overdraft! I said the accounts had nothing to do with each other. They said they did because they have the same social security number. I told them I was in the process of declaring bankruptcy and I was going to add the business account overdraft to my bankruptcy. They the asked if it was my intention to have it charged off (and affect my credit), to which I answered yes. They negelected to inform me that their definition of ''charge off'' was to steal the money from my personal account!

Despite the bankruptcy and their statment that this would affect my credit, not my cash, they took the money from my personal account anyway. I again talked to the collections and asked them why they did that when they said it would be charged it off? They said, because I told them I did not intend to pay, they were now able to remove the money from my personal account. They said they were justified because it was IN THE FINE PRINT! I asked them why they would not just openly disclose what ''charge off'' meant at that point in time? If I would have known that they would steal my money instead of ruin my credit, I would have bought additional time! I believe what they did was absolutely immoral and unscrupulous at the very least and it ought to be ILLEGAL! Also, I don't buy that they didn't see that charge as ''pending'' when I closed my account - it showed as coming through at least two days earlier.

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Loss:
$2000
3 comments
Guest

you dork, the USCRUPULOUS part came when they could have clearly state that they were going to take my money instead of telling me that it would affect my credit...but you actually have to read and comprehend the whole story to understand that.

Guest

There is a clear difference between a business and a personal account. I'm guessing you have limited knowledge of the difference or you would understand but heres a crash course as you are probably a bank employee and should be educated on how money works.

First off a business BK can mean several things, unlike a personal BK there is a business behind it. This person may or may not be using it in this manner but most commonly when business are slow they declare BK to re-assing the bills comming in to provide time for things to pick.

Donald Trump does this often, vendors usually remain with the customer as they are aware of how this works and want to keep them stocked to sell product and rack up the bill so they get paid more.

This is just 1 of many ways business BK is different, think of it as an extended credit line.......and SURPRISE........Banks and car companies did alot of this durring recession. This is simply a reassignment of debt.

As for the letter writer...look at FDCPA. Google it, file complaint with the FTC and record calls. I have a problem with chase and am winning money because they failed to follow the collection laws repeatedly. They will now be paying their own debt off and me with it :)

Just whittle away at little things until you get them, asked not to be called they have to do it for a certain amount of days, asked them their full names but get them mad first, if they seem like their going to H/U state that your not done discussing this to hang up is unethical.

You bait them enough you'll run across an *** like the WHAT guy and he'll screw it up for his company. But dont get just one recorded get a fair amount to show distress and harassment.

Guest

YOU used the account (whether before or after you closed it) and it came through after you closed it, and you are saying THEY are being unethical by making you pay YOUR debt? It seems to me that you are being unethical by taking a check from them and not paying the amount that you owe them. It is not stealing if I take what belongs to me.

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Anonymous
map-marker Detroit, Michigan

Chase/Slate charging me interest on a zero balance.

Chase/Slate are now charging me interest on a zero balance. When I called their incompetent representatives I was told that I will be charged an interest fee from Jan. since I didn't pay off the balance. Now, I'm confused because they lowered my credit limit $4,000.00 because I paid off the balance every month and now if I don't pay off the balance every month I'm going to get extra interest fees applied on top of the "normal" monthly interest fee. I will be paying off the balance every month and use that particular card as infrequently as possible.
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