Chase-J.P. Morgan - All Services Complaint - Corporate greed to the max...
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 your 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 thru Chase, even tho I informed Chase of my tax value and my loan amount in Dec of 08. Chase claims there is NO work out program for my situation thru them. Jennifer in underwriting said; I should have never been started on a trial pmnt 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 them selves the $$$.
Issue 2. Chase bounced cashiers checks during the Wamu/Chase conversion. Maked 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 b4 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 could care less. And I quote a Chase loan collection representative "problem w/your checking acct? Open up another one else ware. 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.oo 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 its 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 b4 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 dn a hand full 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 debits. 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 pmnt on the amounts to keep it under a thresh-hold. All my called were met w/"don't make a pmnt, ull mess up the program" or "well have some one 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.