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Chase Bank in Mount Laurel, New Jersey - Failure to report credit / only negative items

I have a chase credit card / business for the past 8 years - which has never been delinquent. with all balances paid in full; that account is not reflected in your report, the report is incomplete and therefore inaccurate. In contacting Chase it is there policy to hold me responsible (personally) for any payments not paid past a 60 day period. They will report any information damaging to me but not provide positive reports for any and all credit card payments made on time. Chase is thereby engaging in actively withholding any positive information and creating a false credit report, concerning my credit standing. ( giving itself the exclusive option of report negative items but not positive ones) Chase is also failing to report my mortgage, status from the mortgage assumed by them from Washington Mutual. Such withholding of such information is again further evidence of deliberate misreporting. I have no understanding why they are withholding such information, unless it is as reflected in the conversation I had with there representative, by phone to day and received a curt “ it is not our job to keep accurate records”.
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Review
#513902 Review #513902 is a subjective opinion of poster.
Service
Chase Bank Mortgage

Chase Bank in New York, New York - Modification nightmare that never ends

We suffered a big income loss several years ago when my employer retired and was replaced by someone who had no tolerance for my need to advocate and care for my autistic son. I was forced basically to leave my FT job to care for my son who receives ZERO government support (I guess because we are legal citizens...) we called Chase to modify our mortgage since our son's disability and lack of supports was a hardship. They were great, all on board etc. After months of LOSING our papers they gave us a trial which lowered our payments by $150. Not much, but we took the trial. We paid it for 9 months while being told over and over the final was coming, Finally I start getting harassed by collectors...confused, I decided to hire an attorney who told us that Chase had been reporting us delinquent for 9 months and had our money in a suspense fund. No payments made. Our credit is destroyed. No fixing almost an entire year of missed mortgage payments. Anyway. Attorney takes $4000 from us to negotiate. They get us a HAMP after months of torture from Chase. The HAMP is 2% but our payments leave us with $100 left of our netpay. Confused we call Chase ourselves and complain to attorney not understanding the numbers. Both tell us they will do nothing else and take it or sell the house. Not able to get another house since they screwed our credit up, we took it and I complained that we live in a city where our escrow is going to go up and then we will have payments MORE than our income due. YES, I was correct. Now back in *** ***, I call the underwriter who did our HAMP. She was fired by our attorney because she discovered he had a deal with the bank to push Mods through so he could get his money and the bank person get their credit due. Ours of course was one. So the lawyer AND Chase screwed us. Trying again to modify since we found out why the payments are so high. They took our last refi and figured the payments on $300,000 into 10 years. So even with a 2% interest, the payments are way too high. If they had taken 5 minutes and pushed it to 20 or 30 years (we are young enough) our payments would be very manageable even with the higher escrow. Mind you, I appealed to BOTH CHASE AND MY ATTORNEY TO DO THIS BEFORE SIGNED AGREEMENT AND BOTH TOLD ME THIS WAS IT. I find out that is a huge lie. Anyhow back to dealing with them and them losing all our paper over and over. In the midst of this they sell our loan. Not sure what that will do but it could make us lose our home or make it easier. I hate hate hate Chase and I am hoping for the latter.
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1 comment
Anonymous
#850198

Were you under the impression that a loan modification was not going to damage your credit? The reason the bank wouldn't extend your loan and lower your payments it the simple fact that you are probably so underwater on your mortgage as it is that extending the terms wouldn't have made a bit of difference.

If you feel you have evidence that your lawyer was not really working for you but for the bank ( doubt it, but stranger things have happened) then write a letter and complain to the State Bar. Trust me, they will investigate. While you are at it have the Bar recommend a bankruptcy attorney. If your credit is as messed up as I assume it now is the BK will do no worse and you will gain some debt relief.

In some cases a BK will stay any foreclosure proceedings and you can live in your home (without paying the bank a dime) until your BK is discharged.

Moral of the story is this: Banks make zero money on loan mods so it is in their best interest to limit the damage to their bottom line if they agree to do one; Don't expect your credit to be unaffected if you fail to make the payments agreed upon on the day you closed your loan, and call the Bar, report the lawyer, go to a bankruptcy and learn of your options. Good luck.

Review
#513271 Review #513271 is a subjective opinion of poster.
Service
Chase Bank Loan

Chase Bank - The Worst Branch Manager , Peekskill Brown Street, Julisa

Julisa, at Brown Street Branch in Peekskill, is the worst manager ever. I see her employee aren't happy and she distroys thier lives. She puts her needs first, she thinks of a customer as money first not a human. Julisa, at Brown Street Branch in Peekskill, is the worst manager ever. I see her employee aren't happy and she distroys thier lives. She puts her needs first, she thinks of a customer as money first not a human. Julisa, at Brown Street Branch in Peekskill, is the worst manager ever. I see her employee aren't happy and she distroys thier lives. She puts her needs first, she thinks of a customer as money first not a human.
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Review
#512060 Review #512060 is a subjective opinion of poster.
Service
Chase Bank Manager
I have had a small business checking account for many years with Chase. Apparently, someone came into a branch with a forged check made out to themselves. They attempted to cash it. Chase was great in that they called me immediately to let me know they stopped them...
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1 comment
Anonymous
#850223

I hate to break it to you but no one in the bank is making up fake check cashers because there are so many real forgers and scam artists to deal with. A branch doesn't get ahead by closing one account and opening another one.

They are told to focus on acquisitions and to close one business account to open another one doesn't improve their numbers. I'll grant you that older business (and personal accounts too) are phased out for newer ones and once closed the hands of the bankers are tied. They cannot reopen an account the bank no longer offers, there is no way for the banker to override the computer. With Chase business accounts there are ways to avoid fees or get something for free, in this case you can have their top of the line personal checking account for free (no min balance) when you have a business account.

In my opinion, it is better to have the fees on the business account so they can be deducted on your taxes. As far as new checks go, it is customary to waive the fees for new COMPARABLE checks when a customer has had to close an account due to fraud. I say comparable because if you had a regular size, regular style check that is what they should replace for you. If you are going to demand a three on a page secretary with a hard cover binder and and a special pattern or design, well, good luck getting them for free.

If you chose to keep your compromised account open just to avoid some new fee structure, you would have been very sorry. The bank, any bank, is always right when they say to close the account. Once you have been alerted that your accounts are compromised it is your job to assist the bank in safeguarding your money and information. If you really hate the new account then start shopping around at other banks for business accounts.

If you find one you like, open it and then slowly start transferring your business to that other bank to minimize the impact on your day to day operations.

Chase isn't the only fish in the sea, but trust me, fraud happens in every bank and statistically, it is one's own employees who are to look to when there is a problem. Good luck.

Review
#510603 Review #510603 is a subjective opinion of poster.
Product
Chase Bank Checking Account
Loss
$200

Chase Bank in Saint Louis, Missouri - Will not refund my Escrow Account Balance

I have been a Chase customer for over 15 yrs. and never had a late or missed payment. Five months ago, I paid my mortgage account balance in full. Received my receipt and lien release. I have called customer service at least 5 time in the past 5 months and have they have been just as nice and friendly as you could ask for except for the fact that I still have not received my refund of escrow. I've heard, "The check was lost in the mail, I'll re-issue another." You should have it in 10 business days, yeah right..." excuses, excuses... If I ever am forces into bankruptcy, I can guarantee I will run their Chase credit cards to the max before doing so. Screw these people. NEVER do business with them.
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Review
#510042 Review #510042 is a subjective opinion of poster.
Service
Chase Bank Mortgage
Loss
$3500

Chase Bank in Orem, Utah - It took more than a month to deposit a check.

Received a check as a graduation gift and tried to deposit it on June 1st. I was told that it would be a week until my funds were ready, waited two weeks and saw none of my money so I visited the branch. Apparently they were unable to contact the maker of the check because they had been trying the wrong phone number and when given the correct one, they still continued trying the wrong one. I asked the maker of the check to visit the branch to verify his identity, but it was “confidential”, he left a copy of his I.D. and his *CORRECT* phone number. Still, no one called him. Savings account was closed, card was cancelled, and I had no access to *ANY* of my money. Not only the check that I had tried to deposit, but also my previous funds, so I had no way of eating until given an ATM card days later. At this point it had been a month since I deposited the check. It was suggested that I ask the maker to cancel the check and instead give me a money order, but upon contacting his bank he realized the money had been withdrawn from his account on June 2nd. (A month ago). I threatened to bring my attorney into this and that's when it finally seemed like anyone began *TRYING* to help me. The maker was contacted by my banker and the fraud department, his identity was verified, and I was told that I would have the money deposited into my account in the next 48 hours. Waited three days, still nothing. Visited the branch again, possibly for the 10th time in the last month and a half, and was told it would be another 48 hours. Waited four days: nothing. Two days ago, it was deposited. It's nice to know that it takes them nearly a month and a half to deposit a check. I have been utterly patient, kind, and understanding while waiting for *MY* money to be given to me. What angers me the most is that for whatever reason, Chase thought it would be a good idea to withdraw the money from my uncle's account but refuse to give it to me, merely to "prevent fraud." Well, that's fraud. He didn't write the check for Chase, but it was still taken and held onto for much longer than necessary.
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Review
#508877 Review #508877 is a subjective opinion of poster.
Product
Chase Bank Deposit
Loss
$5000

Chase Bank - Quickpay is Slow

I use Quickpay for my car payments and use an external account. I made my payment on the 3rd of July-before 8 a.m. I know that Friday was a holiday, then add two days for the weekend, but it is WEDNESDAY, the 9 of July, and I budgeted for my account to have funds withdrawn SIX DAYS AGO! It should not take this long!!!! I am wishing I would have chosen another lender. This is the third time this has happened, and I am so frustrated. I have even made payments on time, then been charged late fees when Chase was slow to get it out of my account. This is ridiculous.
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2 comments
Anonymous
#870416

You cannot use chase quick pay for a car loan payment

Anonymous
#850233

Chase's Quickpay states clearly a payments are processed in two business days. The day the payment is initiated isn't a processing day.

Say you made a payment on a Monday morning (the payment isn't initiated right away that day giving you time to during that day to cancel the payment.) Then you have two business days for the processing. Tuesday is business day one and Wednesday is business day two. Your payment will be received and credited on Thursday. Now let's take your time frame: you made the payment on Thursday, the bank was closed for holiday on Friday and then the weekend (which are calendar days, not business days) and that brings us to Monday, business day one, then Tuesday, business day two and that brings us to Wednesday the day your payment is posted.

No other bank would have processed it faster unless the loan was at the same bank your money is already in, then usually your payment is processed the same day. There may be some exceptions to that but it's easy to check out. This is not a Chase problem but the way banks process online payments. Of course if you are always worried about being on time then you can always call the company where the loan is and make a payment directly on their system.

Always keep your confirmation codes and you should be fine. The banks that offer a bill pay service make things so easy but they can't do everything.

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Review
#508168 Review #508168 is a subjective opinion of poster.
Product
Chase Bank Account

Chase Bank in Cocoa Beach, Florida - Review

qwickpay is ridiculous. First of all when you first use it feels like a website from the late 90s. They make you jump through all kinds of hoops and then you wind up in an endless redirect. Anyway that's what happened to me. I had to *** like i was Eric Snowden to finally get the thing to work. Then once I got set up I got a payment again a month later same ridiculous thing had to log in and then it had the email me a secure code. some *** sent out a directive about two factor authentication or something. it should just accept payments automatically send them to your bank and be done with it. I don't know why the big freakin production.
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1 comment
Anonymous
#836344

well if there's one thing I hate more than sites from the 90's like quick pay is these mobile sites dudes just set up one website that works on every device stop efin around and calling something a mobile site why punish me and make me use this sorry interface bcause I happen to be connected with my phone then your *** business where I'm connected from and just cut it out with the annoying secure codes so anyway the internets broken what can I do I'm going to go talk to some people out in the real world before I lose it thanks

Review
#506834 Review #506834 is a subjective opinion of poster.

Chase Bank - Chase did not protect my daughter from a check cashed for the wrong amount!!!

My daughter banks with Chase. Recently she wrote a check to a vendor at the swap meet because he did not take debit cards. He had her write it to cash. She wrote the amount incorrectly in the written section, although the numerical section was correct. The check was for $8.50. The vendor submitted it to his bank for $850.00 and B of A never questioned it. Chase let it go through - when my daughter questioned it, Chase reversed the transaction for the difference but then after investigation, took the money back out of her account claiming that it was her fault and they were doing nothing more to help her. Even the manager at B of A did not understand how they could close the investigation and come to that conclusion but admitted she was helpless without an open investigation. Chase did not protect their customer! I would never bank with Chase after this!!!!!!!! For that matter, I would not bank with B of A if they are that careless!!!!!
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2 comments
Anonymous
#870421

Omg...seriously? Of course chase could not help you.

The written amount is the legal amount of the check. BofA rep must be *** to not explain that too you..

chalk it up to life lesson

Anonymous
#842398

Per UCC § 3-114

CONTRADICTORY TERMS OF INSTRUMENT.

If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.

This is now, and has been for many years, the prevailing law on written vs. numeric dollar amounts on checks. Any bank will handle this in exactly the same fashion.

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Review
#506172 Review #506172 is a subjective opinion of poster.
Service
Chase Bank Manager

Chase Bank in San Francisco, California - Bad customer service

Customer service? Are you kidding? Chase has got to be the worse bank ever. Too big to fail? why did these guys get another chance after the 2008 meltdown? With all of their money from loyal customers, you'd think they could notify customers of new changes in writing before you hear about in the branch? WTH? I pray that they grow a conscience but doubt it. The interest (almost nothing) they pay to savings customers is a joke. When they meet their maker, won't feel sorry at all for how they treated people in this life. Peace be with you. May you lose sleep for thirty years! :P
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Review
#504222 Review #504222 is a subjective opinion of poster.