Chase Bank

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1.7 out of 5, based on 27 ratings and
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Disputing Charges/NSF Fee Reversals
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OREGON -- I've never dealt with such rude, uncaring people as I've experienced with Chase's claims/disputes department when I called to dispute charges on my checking account. I opened up a checking account with Chase when I received an insurance settlement and was treated like a queen at the local branch. Over this last year, however, I lost my job and trying to support myself and two children.

I called to dispute charges which also caused NSF charges on my account, which were reversed initially. After this, the merchant credited my account when I left town to care for my terminally ill grandmother. (I couldn't get internet access or cell service where she lives.) Chase debited my account a few days later without any notification to me, which caused numerous NSF charges and I wasn't even aware of it.

I called the claims/dispute unit and asked to have the NSF charges reversed due to their debit without notification to me; plus I had no ability to even view or check my account by phone while out of town. I was told by Chase the charges were scheduled to be credited to my account the following day; no problem! This not only "didn't" happen, but it caused even more NSF charges to accumulate. I called Chase again and was told they didn't know why the reversal hadn't happen and promised me it would happen; including reversing the "accumulative" NSF fees which occurred from it.

My grandmother passed away recently, but when I checked my account, no fees were ever reversed and even more NSF charges had accumulated over time. I called Chase Claims/Dispute unit again, was told (quite rudely) Chase wouldn't reverse the NSF charges and they were not sure why the other Chase employees made this statement, even though they could read the notes and knew these statements were made to me. When I asked to speak a supervisor, she put me on hold and then said her supervisor's "system" was freezing up and she couldn't view my account info. I was asked to call them back in 2 hours.

When I asked why they couldn't call me back, as it was a problem with Chase's system, I was told they "can't" do that. I've never dealt with a company that takes absolutely NO responsibility for the info and promises made by their own employees. I didn't have any access to internet/phone while I was providing 24 hr. care for her, which couldn't be helped. I have no regret taking care of my grandmother until she died which allowed her to stay in her own home. I DO regret setting up my account with Chase Bank

Since Nov. when I went to stay with her, I've incurred over $1400.00 in NSF charges which my kids and I cannot afford. Based on the "profit" Chase has made off of my situation, you would think they'd treat me with courtesy and respect since they don't get that much profit off of their customers in such a short time frame!

I should be returning to work in a month or so, thank goodness. :) Until I get back on my feet again, we have no money, when there should be well over $1400.00 in my checking account. Thank you Chase, for providing such caring, compassionate, trustworthy banking services for our family during our most difficult time...

     
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Shocked at Their Privacy Policies. This Branch Is an Identity Thief's Dream Come True!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

GARNERVILLE, NEW YORK -- I had the WORST experience at the Chase Bank located at 58 W Ramapo Rd., Garnerville, NY. (I have to say that the tellers at this branch have ALWAYS been a pleasure to work with and this review is certainly no reflection on them.) I went in to get something notarized and waited over 30 minutes. The long wait time was certainly annoying as I sat and listened to ** talk loudly and incessantly to the couple she was serving, but I figured this was their idea of friendly service.

What I found absolutely UNACCEPTABLE is the way this couple's private information was broadcast across the bank. I know both of their names, how much money they make jointly, their home address including apartment number, his mother maiden name and the approximate time their cards are due to arrive in the mail. I guess the couple are lucky that I am not a thief because the bank employee would have made my job very easy, if I were one of the bad guys.

In this day and age of identity fraud, I was absolutely flabbergasted at the unprofessional and dangerous business practices being displayed right in front of me. If they care so little about this couples privacy, how in the world and I supposed to feel safe about how my information is handled?

**, the Chase employee in question, could tell that I was very annoyed at the situation but it was her belief that my frustration came from having to wait so long. I was fine with letting her believe this was the reason for my frustration until she then curtly told me that if I had called and made an appointment for notary services, then I would not have had to wait. I replied that I DID call and if making an appointment ahead of time was such a great idea, then perhaps the person on the phone should have informed me of that option.

She went on to make a quip about how it was 20 minutes until 6 (I arrived at 5:15) and that I was lucky that they even had a notary available to help me. I informed her that during my phone call I was assured that a notary would be available until 6:00 on that specific day. So I guess now I am supposed to feel lucky that there was even someone there doing their job?

So the privacy of personal information is obviously NOT a concern (what I witnessed has to be against the policies and procedures of any banking establishment) and I as customer who tried to do her due diligence and called ahead of time is somehow left feeling that I should feel fortunate that she even bothered to help me at all. So why am I banking with this establishment? I have no idea but I know a lot of other banks that would welcome my business.

The difference in customer service between Chase and competing banks is an eye-opening experience. The times they are a changing. I guess when you bank with an establishment for over 15 years, they just assume you will never leave...how wrong they are.

     
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Victim of Circumstances
By -

421 N DOUTY HANFORD, CALIFORNIA -- I have been battling identity theft more less since before July 2011. I told Chase Bank about it and said I would give them a folder with all information in it so that they be aware of my circumstances. They said OK. Then they said if I opened a new account with them and get new bank numbers, that would benefit me for less problems with past disputes I have been battling since 2006!

After I opened with new numbers on my account, I was also instructed to always report any disputes I may still be having and to always order a new Visa debit card with fresh number every time I may still be having the problems in my account. After having this newest account for only two to three months, I had in the last month or October 2011 only three disputes documented on my account and it totaled to an amount of seven dollars only. I also received conformation number on the disputes that everything had been straightened out in my account with Chase confirming this.

Then a couple of days after they cleared up these unauthorized debits, they told me their Chase Bank took an unanimous vote among the Chase representatives and they decided to kick me out of their bank in regards to three disputes that totaled up to seven dollars only and were proven to be unauthorized, and I have a statement letter saying that too.

I received this letter on October 26, 2011(?). I was told over the telephone by Claims department on October 24, 2011 that my account had been blocked because it is being closed. I asked why, they said it will tell you in a letter you will be receiving and they wouldn't tell me anything at all. Two days later I received that letter, I have called five times asking what happened because this letter does not tell me what happened exactly. Then when I call Social Security Death Benefits Department to tell them to mail the Benefits Check to my residence Social Security Administration, said I was too late in the month to be making any mailing changes because there's a deadline date then no changes can be made.

So needless to say, the Benefits were electronically deposited one minute after midnight on November 09, 2011. So I called Chase Bank again to let them know and they said they have received nothing. I happen to know that when Chase Bank receives any electronic deposits of any kind, that it is immediately documented on their system, and it isn't a debit withdrawal so it doesn't need to be held for two business days before posting to an account.

So tell me where is the Social Security Administration Treasury funds that Chase Bank received on November 09,2011??? I then had the Social Security Treasury call the Chase bank confirming that the Benefits had been electronically transferred from the Social Security Treasury Department and had been received by JP Morgan
Chase Bank, NA, FDIC Establishment Bank location received in located at: Chase Bank - 421 N Douty, Hanford, CA 93239.

I drove to the Chase Bank to pick up the Benefits and Chase Bank would not give to me. I said 'then give me my twelve dollars, you blocked in my account sixteen days ago'. Your letter stated you were going to mail me the rest of my account funds in five business days. After the closing of my account, you kicked me out of without a reason. And I also want my monthly Benefits you received. I have bills due today that you are keeping from paying due to your circumstances of as why you closed my account. And now that its been closed for sixteen days already and you are still messing with my and now holding my monthly Benefits.

I do not owe you any money and you also haven't given me my funds that were left in the account.So they gave me my twelve dollars so I could have enough gas to get home on and said at 10 A.M. November 10, 2011 they would call me and tell me if I could pick up my Benefits funds or not yet.

OK first - Chase Bank closed my account without telling why. Second - Chase Bank said they would refund my fund that were left in the account in five days. They did not. Third - Chase bank accepted the electronic deposit that was sent from the Treasury Office of Social Security Benefits. Why did they except that Benefits Check sent to me at their bank when it was block for everything else? Fourth - do you think Chase bank is going to release my account funds that I asked for while I was at their Bank on November 09, 2011 if I had any pending balances? No I don't think so!

At least that is what they said in the closing letter and it's been sixteen days and they said in the letter ten business days, everything would be completed and released of the closure of my account they voted to close without telling me why or what the reason being in detail. Also I need that reason so that I may file a report on it with the rest of information I have put together for my police report on the identity theft that has been exposed on my behalf!!

This was instructed by the Federal Trade Commission on the list of instructions they gave me to go by to complete my Identity Theft Reporting it to the police to file. And then I receive a Case number to provide everybody, including Chase bank that I had told I was going to provide for them on my account problems. Look what they finished me with not only closing my account that I need, but by turning me into ChexSystem and maybe the Credit Bureau too. I didn't need that, I was barely trying to establish some good credit for once and now I won't be able to ever have a checking account again thanks to Chase Bank.

And I'm also one of the victims that Chase bank borrowed 200.00 from last year and I kept calling Chase Bank asking them why are you not finding the 200.00 that disappeared out of my account for three to four days. Then after that it reappeared, I asked Chase Bank where did you find it? They said 'we didn't, we don't know what happened'.

Now I'm going to sue Chase bank. I feel like I'm too stressed out and my blood pressure feels high and I also can't pay bills now. And they have been jacked us in dollars so I owe more and now I don't have enough money to ever catch up on being behind on my bills. And I sinking fast; and my name is on the blacklist of ever having another account of any kind or credit.

     
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A Check I Did Not write...How Was It Cashed?
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345 HUDSON STREET, NEW YORK -- On September 13th, 2010 I called Chase to make sure that I did not have any overdraft charges on my account and if my account was in the negative I would transfer any money that I had from my savings into my checking account in order to cover the funds. I was told that I had a fraudulent check that someone attempted to post into my account and because of this reason, Chase was going to close the account. This is where the wild goose chase begins.

I explained to the representative that I don't have my ATM card with me and that I didn't report it lost or stolen because I understand that I am careless and switch bags and perhaps I left my card in another bag. After she informed me that my card was used in fraud, I also explained that I do have a Post-It on the back of my card with my pin on it because I have a bad habit of forgetting my pin. She transferred me over to the fraud department because my account was restricted and there was no more information she could offer.

I was told by the fraud department that someone attempted to cash a check in my account earlier that day {in which I was not notified} and they were unable to via chase contacting the maker who explained that they never distributed such a check. I was told that there was no need to report the card lost or stolen because the account was in the process of being closed and no one would be able to use it. I was told that I needed to go to the bank where this transaction took place, show them proof of identification and see if I could open another account since this one was being closed. But once again let me repeat I was informed that the check was never cashed.

I went the next day to the bank in which the representative called Chase in front of me and was I was told I could not open another account and they would get back to me with details in about ten business days. I most certainly was not going to wait that long to hear from them. After calling Chase and checking my online activity, I was told numerous stories by numerous chase representatives.

** in the fraud department explained to me that this check of almost 2500 was never able to be cashed and it was only because the check was being returned from my account back to the sender that my online statement was saying that I owe chase almost 2500. She said once the account closed in ten business days that the account would return to the amount before the fraud and then any leftover money would be mailed to me via check.

On Monday, September 20th I was called by the collections agency and told that I owe them the amount for almost $2500. I called Chase again and spoke to an official that told me to go to the bank that I opened my account in and ask them to send Chase an affidavit for fraud. On Tuesday, the 21st I called Chase's fraud department again while waiting towards the bank that I opened my account in. While standing infront of the Chase employee, I explained to a representative by the name of ** in the fraud department what was going on.

** explained to me that indeed the check was cashed but because there was not enough money in my account near the amount of money that the check was written for, I would be refunded the amount of the check which would take about five to seven business days. Now today I call and ask another representative the status of my account and was told that ** was not correct, that my claim was denied and that I owe Chase again. I tried to explain to the representative how this is possible by explaining a few facts to te representative.

First off, the spelling of my name on the check was incorrect {I can view a copy of the check online on my chase online account}. Second, I spoke to the head of the company who supposedly wrote the check - Caribe Medical PC - who informed me that he explained to Chase that the check was unauthorized. Third the signature on the back of the check did not match my signature. And last, I have all my identification so how was an individual able to cash a check without my ID?

I explained to the young lady that now I'm going to have to make a police report because I feel that this is an inside job and she just told me that the police report would be a good idea, and that once I had a report # to give it to them so perhaps a manager could put in a second claim to have these charges reversed. I went to the police station and then the bank that these transactions happened in in order to get a copy of these transactions to give to the police for further investigation.

I called Chase one last time and asked them if they could explain to me one more time, due to all the multiple stories, exactly what's going on with my account in detail so I could write my police report. The last person I spoke to was ** in the fraud department and another discovery was announced. I assumed the whole time that the check was cashed at a Chase bank because I know that Chase is the only place where a Chase check {it shows it was a chase check online} can be cashed the same day. To my surprise, I was wrong.

** explained that the reason everyone got so confused on if the check was cashed or not is because it was cashed at a facility that was not a Chase bank. Whoa whoa whoa. I said, "so let me get this straight - an individual can make a check out in my name, make some sort of transaction in Chase and cash the check at another facility the same day even if my account has nowhere near those amount of funds?" "In this particular case, yes ma'am", ** says.

Chase has officially convinced me that they have no interest in customer satisfaction but more interest in protecting their own assets. I understand that I was careless in losing my card in which an individual was able to get my pin, but with such a large amount of a check, wrong name, wrong signature, and no ID - is that all it takes to cash a check? I don't think so and with my police report as well as reporting this to the newspapers, I'm going to get to the bottom of this.

     
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Corporate Greed to the Max
By -

WASHINGTON -- Corporate Greed to the max...sit back enjoy the top 11 Chase issues.

Issue 1a. Applied in Dec '08, I'm in the mort. mod program. No derogatory credit will occur, as long as you're in the program and complying. Not so...I'm marked as foreclosure on my credit as I still pay the xxx per month for the past year. I sent in tons of the same thing over and over. House value, income, assets etc. 18 months later. I have too much equity and I'm kicked to the curb. Chase claims they no programs for me. NONE!!

Issue 1b. Chase waited a year and a half to tell me I fail to quality for any workout through Chase, even though I informed Chase of my tax value and my loan amount in Dec of '08. Chase claims there is NO workout program for my situation through them. ** in Underwriting said I should have never been started on a trial payment program. Even the MHA-escalations verbally agreed it appears to be a setup failure? Banks have been doing their things for over a century. They know what to do to make themselves the $$$.

Issue 2. Chase bounced cashier's checks during the WAMU/Chase conversion. Marked us produce transactions records to show what we did - to get credited fees - then admitted it was an internal error and brushed it off. Financial damages and hardship occurred.

Issue 3. Chase took WAMU checking accounts before they gave access to the WAMU personal. My checking account was inaccessible for months and the funds in the account were inaccessible to the WAMU branches. I fell behind on my WAMU loan. Chase's loan department said "take that up w/ the checking department". The Checking department said "take your loan issue up w/ the loan department"€.

I said I'm late because of this bank error. The two departments couldn't care less. And I quote a Chase loan collection representative: "Problem w/ your checking acct? Open up another one elsewhere". I applied for a hardship on the loan. Chase collected my income, bank statements, etc. and then never called back. I called and emailed, no reply. Months later, I get a call. The loan has been charged off and headed for court. They collected my new banking info and then bailed.

Issue 4. Had a brokerage acct. at WAMU for 10 years, never a fee. A small amount was left after the 2001 fall. Chase took over and said we have 10 days to vacate the account or they will charge a fee (would wipe the account out in a few quarters). We filed the papers to move the acct. Chase sent a deficit to the receiving firm. It took 9 months to get the deficit credited. Then sent solicitation - "€I get $125.00 if I open up a checking acct".

Issue 5. Been in my home for 25 years. Had one insurance company for the past 6 or 7 years, my mort. statement shows one address that matches the original loan documents. The insurance department of Chase has a different address in some system some place (where customers have no access). I get a threat letter for forced place insurance and 10 days to correct the matter. As I see it, two departments of Chase, two different pieces of data and until I correct it I get fined. 6 months later and it's still pending.

Issue 6. A long time ago I had an insurance loss. My attorney sent Chase the insurance check for endorsement and a letter explaining the situation. Chase put the check in a file, 7 months later sent it back to my attorney "document stale dated - please reissue". My attorney complied. The 2nd check was also put in a file and left. One week before it was set to expire, Chase finally processed it. Inflation took its toll. Never got my items replaced due to cost.

Issue 7. I attempted a refi when interest rates dropped to 6% in 2005. I discovered the former owners were still on title. I was refused a loan unless I paid off the sellers again. I called Title, they said "no problem, a few keystrokes we can have this cleaned up". The problem was, Title said, Chase was the policy holder, not the homeowner.

Title said to have Chase contact them. Chase never did. I had to do it on my own at my own cost (took me 2 years to track down a handful of former owners. By that time the programs disappeared, companies folded, economy went in the toilet. To this day, Chase still fails to take responsibility for their part in the hardships created. I'm denied for a mort. workout.

Issue 8. When I drafted my hardship letter to Chase to let them know the current events that were a brick in the wall to my hardship, I get this reply, and I quote: "How dare you blame your own financial problems on Chase, it's not Chase's problem I can't handle my money".

Issue 9. I had a credit score of 800+ when I was with WAMU, current on all my debts. Chase took over WAMU and closed every one of my cards and lines of credit. Even my checking overdraft. The only reporting I have messing up my credit is Chase. Issue 10. Does Chase feels there is no ramifications to their actions of a tsunami of banking mistakes, then leaves a mess on the beach for other to clean up?

Issue 11. I contact many mort. companies, got one to work w/ me. The new mort. companies said to pay something on the Chase mort. to keep the balance down. Some companies may have pulled my credit, some may have contacted Chase.

I called Chase in Feb. 2010 to make a payment on the amounts to keep it under a threshold. All my called were met w/ "don't make a payment, you'll mess up the program" or "well have someone call you back". (No return call ever came.) I was denied the right to get an address, amounts permissible to pay. I then get marked on my credit as "in foreclosure". I'm now told by all companies "we can't assist you w/ the status marked 'in foreclosure' on your report. Another coincidental action or intentional?

Thoughts? Class action? Damages? Deception/misleading/self-serving advice? Professional/gross negligence? This household is very short on time here. These people are leading and handling our $$$. Can we say "credit union"? Monsanto? Chase? What big difference do you see? The spelling maybe? Grapevine, in 2012/2014 the FDIC insurance may be dropped to $100k per depositor. Watch your accounts.

     
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Home Equity Line Of Credit
By -

NEW YORK, NEW YORK -- I sent an email to the CEO of Chase. It, of course, bounced back (I am unrecognized). Chase bank executives do not want to hear from its customers and the bank workers are too afraid to lose their jobs so they run interference, never getting any opinions up the ladder to corporate.

I have a Home Equity Line of Credit with Chase Manhattan Bank. I own a property. I recently stopped working full-time though I am looking for full-time work. I worked for 20 years in a business that is no longer a money-making field. I was approved for a Home Equity Line of Credit in May 2008 by Chase Manhattan Bank for a fairly large sum of money.

I received a notice in the mail today that my line of credit was suspended because of "negative credit information" that came up on a random credit report that Chase Bank ran on me recently. There was no warning, no directions in the letter explaining how to get my line of credit active again, nor was there any information on the "negative credit information" Chase found that caused a Chase officer to make such a final decision regarding money that the bank had already approved for allocation.

There was a phone number to call in the letter. I called. I not only called, I went to my bank personally to see if the bank loan officers there could do anything about this. I was told that I would need to purchase a credit report myself and fix whatever problem there was on the credit report and then send in a letter and a copy of the cleared credit report to Chase Bank, after I cleared up the problem. Until then - no money available to me.

Chase Bank made a decision suspending my line of credit based on 2 reports of delinquency reported by Bank of America for credit card non-payment. I fell behind on 2 payments on a credit card that is no longer active. I had closed this credit card because it was in my married name and I didn't want any association with that name any longer. My husband moved out of the country and left me with a mound of debt that I have been slowly repaying.

So Chase suspended my line of credit, after 2 silly delinquent credit card payments from another bank institution. I have been working part-time and paying all my bills. The credit bureau report from Bank America reads "consumer closed account" and delinquent payment for 2 months. Most important is that there was money paid to Bank America on the delinquent payments via a direct deposit from my Chase checking account because I had made a deal with a collector from Bank of America who offered a reduced monthly payment to me for a few months. They did not disclose to me that the reduction doesn't change the fact that the payment is delinquent.

The way it works with them, which I found out today, is that even though I paid partial payments, it is technically considered delinquent. Why would Chase Manhattan Bank choose to use this ridiculous credit report to make a huge decision over finances that rule my daily life, instead of my history of payments and business dealings with Chase?

Since Bank of America reported these 2 partially paid payments as delinquent to the credit bureau (and they should be crucified for this), my credit rating has plummeted to 520 and my home equity line of credit was suspended.

The fact that I have banked with Chase for 20 years is not significant. I had direct deposit scheduled for repayment of this line of credit. I cannot believe that Chase Bank would suspend my line of credit, because of 2 minor inaccurate reports by the Bank of America, even though I own a home and the equity in the home is enough to repay the debt. I cannot understand how Chase Bank could get away with closing a line of credit, when they are getting paid on time every month?

There has not been any delinquent payment at all on my Chase line of credit. On top of that, I have been a good customer to this bank. I'm not penny pinching and sometimes paid high ATM fees. I've travelled throughout the world and used my banking card internationally, paying large fees to Chase in addition to monthly overseas wire transfer fees - incoming and outgoing.

When you call Chase, you can't get a person with decision-making power on the phone. All of their bank employees are bound by very strict company policies and the consumer can't reach the policy-makers at Chase. There are no personal decision makers any longer available to the customer, not even in person in the banks themselves (they all blame the corporate office for the policies). There aren't any flexibility in their policies that are fair to the consumer.

This is a terrible way to do business. Sounds like they hired a cookie cutter consultant with inaccurate research on how to make more money by screwing people over. I've seen this before in various other businesses (in the long run - they all lose mega billions after their CEO's get mega million pay-offs after running these companies into bankruptcy with their genius anti-consumer theories).

Though this is a letter from a frustrated customer, it is more than that because quite frankly, they are engaging in unfair and unethical business practice. Anyone who takes a home equity line of credit is in pretty dire need of the money. And anyone who is using a credit card is too. And any bank that rescinds the money after approving it, without taking into consideration the economic situation of the borrower, is the lowest of the low.

If they were a good consumer-oriented company, they would have reached out to customers upon a red flag raised, and at the very least, proposed reducing the loan amount that the bank would make available. That would be good and fair customer service. This cancellation of my credit line, notified by a black day letter, without any information attached to it, and a robot voice on the end of the line is purely sinister.

There is really no accurate evidence that I will default on my loan. The fact that I own my home, and that this is a home equity line of credit that was previously approved for a specific amount against my home, is a guarantee of a return of the money. None of this makes logical sense. In fact, the bank will make more money if they kept my line of credit active. It is not right for Chase to penalize me for my dealings with Bank of America (which is really not any of their business). Bank of America is very wrong here and I am going to deal with them on this but that should have no bearing on my business with Chase Bank. Truly flabbergasted.

     
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Home Modification a Joke
By -

I, like many others, have been going back and forth with this bank. I started this whole process in Nov. '09. Not as long as some, but same story. I initially received one letter saying I did not send them something (which I did), so I went ahead and sent it again, called back, they said they received it. I waited a few weeks, called again (Dec. 28th), was told my case was closed that very day! They said I was missing paperwork (again) - she said if I faxed it, they could re-open my case, so I did. Called back again in 48 hours to make sure they received it, yes they received it, it's "complete" and in underwriting.

Every time I call, they say call back in a few weeks to check the status, so I called again, was told it was closed on Dec. 28th. I said yes it was and was also re-opened that same day and was supposed to be in underwriting. She couldn't see that so I asked for someone else. This lady told me she didn't know why she told me that. Yes it's open and being reviewed, she'll contact the gentleman who is handling it, make sure everything is in order and call me back - never got a call. I call several more times - everything seems OK - "under review". I think OK, we're getting somewhere now!

Nope - I call again, DENIED (Mar. 8). No phone calls, no letters - just read an article (**) where Chase said they have increased attempts to contact customers to complete paperwork. Call 36 times, reach out by mail 15 times and make at least 2 home visits! I received one letter the whole time after my initial application, and I've been closed and denied and told over and over I am missing paperwork! NO CONTACT! So again I re-sent things and was told to call back to make sure they received it.

Of course this time I had to re-send current bank statements, pay stubs and everything else...I did this, called, was told, yes, but why am I not showing rental income? Ummm, because I don't own a rental! I have given them several documents which I explained to them what they mean - I haven't owned that home in years and they have all the proof in front of them! I was then told OK, it's "complete" & under review AGAIN. I stewed for a few days and thought, 'this is a government program, there has to be somewhere to complain or get help'.

So I hit the net and found the MHA Help line 888-995-HOPE. A gentleman actually 3-wayed a call to Chase and they were a little more helpful and straightforward...said it's taking 4-9 months and sometimes 12 to get an answer after I've been told constantly 60 days. I said OK, except I've been closed and denied in a lot less than that a few times for "missing paperwork" and never received anything telling me that. She said well we TRY to send everyone a letter. No way! If I wasn't constantly calling these people and being proactive, I'd have no clue.

Peoplekeep calling!!! Who knows what will happen now? The MHA Help guy said to call them if I start getting the runaround again, which I will I'm sure. The more I read on the net, the more I believe Chase doesn't want to help people. I've even heard from people at work where the same thing with the paperwork is happening to them and then they get denied, etc. It's a mighty big coincidence!!!

     
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They Want to Take My Home....Again
By -

COLUMBUS, OHIO -- This story goes back to 2008 when my husband developed throat cancer. He had to stop working and undergo a laryngectomy in May 2008, which means he lost his voice. Well, I am also disabled (malformed hips and knees and unable to work since 2005), so we had NO money coming in until he started to receive his SSI. This means that the mortgage fell behind.

I tried to talk with Chase Home Finance LLC, but they would not speak to me because my name wasn't on the mortgage - only my husband's. I tried to explain to them that he has no voice so cannot speak and I had his power of attorney...but they would not listen. They refused to take any payments (partial or otherwise)because my name was not on the loan. I had to wait for my husband to become coherent enough to sign a paper saying that I could speak for him, but the bank would not acknowledge the paper or the power of attorney.

They would call our home to talk to my husband, but when I answered the phone, they hung up - refusing to speak with me. Needless to say, the bank foreclosed on our house and we were forced to move out of our home in November 2008.

Fast forward 5 months -- we were living in a rental and had seen the house go up for police auction three times and then get pulled. In March of 2009, Chase contacts me and says that since the mortgage is Fannie Mae-backed, they have to work with us and offered us our house back. We accepted. Their staff person (name available on request) worked with us and dropped our payment, 34.00 each month, and we were able to move back into our home in April 2009.

We were told to make the new payment for three months (May, June, July) and they would re-negotiate our mortgage. We did this via money order. We received paperwork stating that our forbearance has ended, but no new paperwork on new terms. That was in December of 2009. So we continued to make the payments we had been making. Add to this that the bank lost our paperwork FOUR TIMES as we have tried to get our new terms established, and this has been quite a challenge.

The bank HAS contacted us in 2010. In February, they have called to speak to my husband, but when I told them that he cannot speak due to the laryngectomy and I informed them that I was his wife and had power of attorney to speak for him, they started hanging up on us again (like they did before). February 22, 2010, at 4:29 PM they called and I answered and they hung up on me (AGAIN).

I immediately called my local branch office that has been helping me so I could get this matter resolved. It was when the staff person called them directly that she found out that they needed MORE PAPERWORK...the same paperwork that we had re-sent FOUR TIMES!!! This was at 5:02 PM when I found this out. At 5:26 PM of the same day, a staff person...but now they say that we make too much money (1296.00 a month for 2 people) to benefit from any government assistance mortgage programs, but not enough to make increased payments. They had originally said that any past due would be added to the end, but now they won't honor that.

The government gave JP Morgan Chase and Fannie Mae all this stimulus money to keep people in their homes-- but why is it now that I am being told that I may not be able to keep my home? How can one of the main financial institutions get away with changing the rules of the game and losing important paperwork FOUR TIMES? How can two disabled people be treated as if they lived in a third world country? Who was the home assistance program created for? How can Chase Home Finance LLC think they are above everyone else???? HELP!!!

     
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Chase Bank Is the Most Evil, Unethical Bank I Have Ever Used
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BUFFALO GROVE, ILLINOIS -- I have had several banks in my life, and have been fairly satisfied. I switched to Chase a few years ago because my mortgage was with them. I have come to realize that Chase is the most unethical and corrupt bank out there. They are thieves and preying on people especially in this difficult economy.

Last week I was out of town and used my debit card at a cafe at the hotel we were staying at. My account was low but I was getting paid in a couple days and have direct deposit. I had more than enough to cover the two small debits at the cafe. I knew this for sure because the cafe had a computer for customers to use so I checked my balance. There were no other pending transactions other than the two small transactions at the cafe I had put through.

When I got home that evening, I checked my online banking again and noticed that there was another transaction pending from later in the day from the toll authority. Apparently my transponder on my car was low on tolls so the toll authority put through an automatic debit without any warning. My account did not have enough in it that day to cover the toll authority debit so I knew I would be charged one fee. The toll authority charge was listed after the two small cafe debits so the toll charge was the last debit of the day and the only one that would have caused an overdraft.

I accepted the one fee and had no problem paying it. But after my payroll check was direct deposited, I noticed Chase had charged me 3 overdraft fees for a total of $105.00. I looked again at my online banking account and noticed that Chase had re-arranged the order of the debits and put the toll authority debit before the two small cafe debits. This switch in order gave Chase the opportunity to hit me with 3 fees instead of the one.

I was furious and I called their customer service department. I told them that I knew they had re-arranged the sequence of the debits which maximized their fees against me and they ADMITTED TO IT. They said they can arrange them however they choose without regard for the order the debits actually came through. I could not believe what I was hearing. I asked to speak to her supervisor and was told the same thing, that basically they can do this, it is not illegal and too bad, so sad.

I am closing my account and moving to another bank next weekend when I get my next paycheck. The new bank I called, which is actually a bank I used a few years ago, asked me what bank I was leaving. I told them Chase and she laughed and said they have tons of ex-Chase customers coming over. Do not use Chase, they are thieves. I am also writing my state government to find out if what Chase is doing is legal and if so why! The greed of this bank is unbelievable.

     
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Declined Payment on Their Check Without Legitimate Reason: Incompetence, System Glitch or Deceptive Maneuver?
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DELAWARE -- Chase Credit Card customer since '06. Fixed APR of 8.99%, NEVER, EVER late on any payments, NEVER, EVER over-drafted my bank account. In Feb. '09 refinanced home mortgage @ 4.275%. GOOD CREDIT score, it has actually gotten better since the home refinance.

Here is the damaging unethical new practice of Chase. Promotional "Rate Reduction for our most Valued Card members" (BEWARE!!!). 0.00% fixed APR until Feb. 2010 when you use the enclosed "Special Rate Checks." Access extra cash, transfer high APR balances, pay unexpected expenses, use for large purchases.

My card info - Credit Limit: $5,500; Previous Balance: $2,700.11 (NEVER over 50% of Limit); Last payment: $1,350.11; Current Balance: $1,350.00 (Less than 25% of Limit). I all but exhausted my bank account to pay (cash) to my Chase balance and cut it in half.

After checking online to make sure that the payment had posted to my Chase balance, I deposited $1,350.00 in my bank using one of the promotional 0.00% checks from Chase. After checking online with my bank, make sure that the Chase check had been posted, I proceeded to pay off two "high APR balances" (online) in the amount of $1,200. I also paid my gas, electric, and two other credit card payments, leaving only $124 in my bank.

A few days later, I received a letter from Chase stating that the check of $1,350 was declined and that they had made the decision to change my credit limit to $1,800 due to late payments or not paid as agreed on accounts. (THIS IS FALSE!!! I have NEVER been late on any credit card accounts, never!!!) My bank now has me over-drafted on every payment that I have made. Chase has my CASH, with which I could have paid all payments with absolutely no problems.

After HOURS of phone conversations with multiple Chase reps, I was transferred to (**) high level management in Delaware. After his thorough examination of my account history and current credit report, he admitted that there was no reason to change my credit limit or available funds and that he would correct it. Sounds like problem solved? Read on.

My bank still has me seriously over-drafted. After talking with my bank, a possible solution was recommended. The bank suggested that I call Chase and have them reverse my $1350.11 CASH payment back into my bank account to cover my over-drafts. Sounds doable? Read on.

I checked my Chase account to make sure the Delaware manager had repaired and put my limit back at $5,500. Bingo!! Looks like he had kept his word. I called Chase back to verify that their check would now be honored and solve the problem. After riding the phone merry-go-round, I finally got a manager (**) in Orlando, FL. I asked to have my $1,350.11 payment reversed back to my account to avoid the train-wreck that Chase was about to cause and to call my bank and correct their mistake.

** said that the payment COULD be reversed but would take up to 15 DAYS!!! (Not an option.) ** said that I should have the bank just run the check through again and that the funds ARE available and your bank can call us to verify. Solved? Looking at my Chase account online today, Saturday the 13th of June 2009, account status as follows - Credit limit: $1,700; Balance: $1,350.00; Pending Charges: $2,700; Available Credit: $0.

On Monday, I will most likely be in a financial train wreck. My damages will probably be in the hundreds of dollars and...no funds available to satisfy the over-drafts and penalties. My hard-earned good credit is headed toward ruin. All because I was told, in writing, that I would receive "Special Savings as a Most Valued Customer". If I issued a check from my bank and then later stopped payment, I could be prosecuted for check fraud.

I need legal help. I have been set up and torpedoed! Chase is aware of their error(s) and could fix this travesty but they have not. Consequences and damage: the potential for my financial destruction is in the works and Chase has not made their check good. They have admitted that they had no legitimate cause for denial of payment.

     
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