Chase Bank Consumer Reviews - Page 5

I tried to buy a plane ticket online for $280 at Orbitz.com, but I received an error message because I had entered the wrong security code. I entered the correct security code and clicked "purchase" -- this time, the charge was declined. I had plenty of money in the bank to cover the cost of the ticket, so I called Chase to find out what was happening. Chase explained that I had a $400/day expenditure limit on my debit card (which, by the way, I was not told about until AFTER I had opened my account) and that I had already spent $280 that day (therefore, my attempt to buy a ticket for $280 was being declined because it put me over my daily limit).

I explained to Chase that I had NOT spent $280, but rather that I had TRIED to purchase a ticket for $280, and that I first received an error message and then received a decline message. They insisted that my account had been charged $280 by Orbitz, despite my assurances that I had no plane ticket to show for the alleged $280 charge. Chase then told me what I had to do to fix the problem: call Orbitz and have them fax to Chase a confirmation that Orbitz had in fact NOT charged me $280. After that, I was assured that the charge would be removed from my account and that I'd be free to buy my ticket.

I called Orbitz and they called Chase to inform them that I had not purchased a ticket and that Orbitz had not charged my account. But that wasn't good enough - Chase insisted on a fax, so Orbitz sent it. 6 hours later, the credit appeared on my Chase account, and I went back to Orbitz to buy a ticket. As I'm sure you've guessed by now, no dice -- Declined Again! I called Chase again, and asked why the charge was being declined. The customer service representative told me that everything was fine with my account, so that if the charge for the ticket was being declined, the problem must be with Orbitz's "machine".

I refused to accept that answer (a readily transparent attempt to simply get rid of me) and after the Chase representative realized that excuse wasn't going to work, she told me that, actually, the reason the charge was being declined was that I had already spent $280 that day. I directed her attention to the $280 credit and explained the entire situation (repeatedly) to the Chase customer service person, but she simply kept insisting that I had already been charged $280 from Orbitz that day and so my attempt to purchase another ticket was being declined because it put me over my daily spending limit.

This, despite the fact that I had spent the time to contact Orbitz and have them send Chase the requested fax, which Chase had previously assured me would take care of the problem. Long story short, after spending over an hour on the phone (most of the time on hold, waiting to speak with a supervisor) Chase simply refused to solve the problem, which was clearly on their end.

In the process, Chase customer service persistently made assertions that they knew to be untrue, fed me excuse after excuse in an obvious attempt to simply get me off the phone, and in general behaved like a gang of robots who couldn't possibly care less about remedying the problems that Chase had created for me. Chase Manhattan Customer Service Is Horrible. Absolutely, Undeniably Horrible. I deeply regret switching from Bank of America to Chase, and I advise others to stay away from Chase bank.

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.

NATIONWIDE -- The branch managers turnover rapidly at my Chase branch. It seems they last about 3 months and they are gone. I have developed a personal relationship with several ex-managers because you never know when you might need them to help you, especially with the "NSF" issues so many posters seem to encounter with this bank.

You would be amazed to know how many employees and branch managers hate Chase because of how Chase conducts business and exploits their customers. Many of the Chase employees will not maintain personal accounts with Chase because they see what Chase does to their customers and how Chase treats them. Chase micro-manages their branch managers and require them to work 6 days a week. They are also required to work a 50 to 60 hour week with 55 hours being the average so no wonder they leave.

The branch manager is your best friend in most cases. They will happily reverse your "junk fees" better known as bank fees and NSF fees, as they call them because they have a real ethical problem with how Chase robs their account holders. The branch managers reverse fees out of spite and rebellion against Chase. You will get a branch manager occasionally who is anal and will not budge on fees or reverse them so the only choice you have is to move your account to another branch or close the account(s) with Chase.

You can go to another Chase branch and explain to the branch manager what you encountered and if the manager has ethics, he/she will reverse your fee(s) and ask you to move your accounts to his branch and let him take care of you. On the other hand, you may get another anal manager who will tell you that he can't do anything for you so go try another branch until you find a manager who wants to help you.

You can also test your manager's credibility and ethics by intentionally over drafting the account with one item and then go to the bank once you get the overdraft notice and see what they do for you. You can have only $10 in your account. Go buy $10.02 worth of gas with your debit/credit card because they will only authorize $1. Your account will now be overdrawn when the charge posts tonight or the next night. Wait till the charge posts and then resume normal activity with your checking account.

Once you get the overdraft notice, go to the branch and start with the consumer banker employees first and see how they react to your situation. If you do not get anywhere with them, then ask to see the branch manager and see how the branch manager reacts.

Act like you are a regular consumer. Tell the manager you made an honest mistake and you had less money in your account than you thought and the pump did not stop in time. Ask him "Shouldn't the pump have stopped at $10 and not approved anymore". Further ask the manager "Do you really think it is fair to assess me $33 because of a .02 cent overdraft" and see what he says. If the manager reverses your fee then praise him and thank him for doing it and tell him that he is a man of honor.

Finally tell him how you have just performed a mystery shop and how you intentionally over drafted your account so you could see how Chase would handle the NSF fee and treat me as a customer. In the event he will not reverse the fee, then tell him how you have performed a mystery shop and intentionally overdrew the account so you could see how Chase treats their customers and it is obvious to you that Chase does not value or care about their customers so you will take your business elsewhere.

Chase's marketing slogan is "The right relationship is everything". Make them stand behind it as it appears from internet wide posts that the only "right relationship" to Chase is a relationship where Chase can rob and exploit you.

Arbitrarary Chase accounting periods win over absolutely consistent payments to the tune of a 30% rate, late fee, dinged credit report. My wife and I were Bank One credit card customers and very happy. I'm now a very unhappy, soon-to-be-ex Chase customer. And why? Because no one will step up to be reasonable about a Chase accounting system quirk. Because Chase employees aren't empowered to do the right thing. Because Chase seems to be milking usurious interest from customers on technicalities.

Although I'm making payments like clockwork, I was tagged for missing a payment. The technical issue? Chase has an accounting system that shifts payment due dates by as much as 8 days from statement to statement and I consequently had two payments go into one month and none into the next.

We got off on the wrong foot when I missed the switch of our Bank One credit card to Chase and I consequently missed a payment in June. I was very busy at work, saw a Chase bill come in but knew that my existing Chase card payment was in, and consequently missed the NEW Chase credit card payment. For that I was penalized, and should have tried reaching Chase then.

Subsequently, I moved my banks automatic payment for the card ending ** from Bank One to Chase, scheduled payments to go in for the 30th for well over the minimum, and thought we were all set. Those payments were transmitted by my banks vendor and accepted like clockwork on the 30th with the exception of October, when the 30th fell on a weekend and so the payment moved forward to the 28th.

It just so happened that the 28th of October was the last cycle day of that statement period, and so I was credited for 2 payments in October and none in November, when the statement date mysteriously moved by six days. I didn't notice. I have things set up for 30 day payment like clockwork so that nothing can possibly go wrong and I never have a late payment. Or so I thought until now.

I talked to two Chase representatives about this. They pointed out that technically I missed a payment. I explained what happened and they admitted I was being absolutely consistent in my payments (except for the month I got into trouble where the payment was 2 days early, which put it on the last day of your shifting definition of the monthly period). They admitted that the inconsistency was on the Chase side. But they could do nothing about it.

As a consequence of first the Bank One switch and then Chase's period inconsistencies:
• I've had my interest rate raised to 29.97
• I've had my credit limit lowered on this account
• I've had my wife's credit rating dinged

Clearly, I'm not happy about sending payments like clockwork and being treated like someone who doesn't. Clearly, a reasonable consideration of events shows I didn't do anything wrong but that an accounting system quirk took one of my clockwork-like payments into the previous month.

No doubt, Chase is legally correct. From that point of view, I should read every inch of fine print that comes from each of my credit card vendors every month and make sure I do everything as they demand, because otherwise I'm subject to whatever reasonable or arbitrary information they mail me. But I'm too busy. So I set up absolutely consistent payments and think that HAS to be enough to keep the banks happy.

I fully expected that Chase wanted to keep me as a customer and would be happy to help. But I was wrong and I just wanted others to know. Bottom line: Chase apparently makes more from raising the rates for a few months than they lose from the resulting customer churn and they don't care what customers think about them.

DELAWARE -- I opened my Chase credit card account Feb 2003 because they were advertising a 5.95% balance transfer rate for the life of the balance. I transferred several balances and I have paid all my payments on time. I was shocked to find Chase increased my interest rate from 5.95% to 17.24% in Feb 2005. (I didn't notice until 2 months passed). This action was taken, according to their reply based on a negative report from a credit bureau. I received a copy of my credit report and there is not one negative comment or late payment showing on any of my creditors.

Chase is citing not late or delinquent payments, rather that I have high balances and low available credit. Chase also claims that they sent me notice of these new terms and that since I did not reply and opt out of the new terms, my apr was increased. If notification was provided, it must have been in the form of an insert included with my statement. Chase sent a copy of the notice and it did not appear to address my situation. I consider this action of arbitrarily raising my interest rate to be deceptive and dishonest. It appears that Chase is looking for any reason to increase interest rates.

An associate also had his interest rate raised from 5 to 9% and he was told that it was due to the merger of Chase and J.P. Morgan. I requested that Chase honor the 5.95% rate at which I started and they have denied my request. In this letter they state that they have no “special” rate at this time, which is a lie. I have received two offers in the month of February offering “transfer balances for 4.99% fixed APR for the life of the balance”. One came with my last statement from Chase attached to my statement. The other came addressed to me and refers to my “preferred customer status”.

Of course, now they also want to tack on a 2 or 3% fee for balance transfers, so I'm not biting on that bait. This issue is never addressed in Chase correspondence. Fortunately I found some wonderful advice on another website which led me to the following instruction: “ If you want to get Chase's attention rapidly, write (or fax) your complaint letter to the 1. Office of the Comptroller of the Currency ("OCC") (you can get their address from the federal government pages of your telephone book). Also address your letter to your 2. state's Attorney General Consumer Complaint Office (state gov. pages) and to the 3.Better Business Bureau.”

Here is the Awe! It worked! Within two weeks Chase replied with another canned response, and added at the end, “after further consideration, as a courtesy”, my APR was being restored and I was being credited for the 2 months higher APR charged. I personally don't care how they word it, I just want to be treated fairly and honestly. I wonder how many thousands of people are paying higher rates and don't realize it, or don't have the time or resources to put up the fight necessary for Chase to do business fairly. Now I will wait to see how long it takes to happen.

NEW YORK, OREGON -- Began a process in February, 2011 attempting to close a business account that has been open for probably 7 years. Originally hoped to transfer this acct. but there is no Chase Manhattan Bank in our area, so cannot transfer the acct. The branch where the acct. was opened advised that the owner of the acct., my boss, needed to come to the bank in person to close the acct. When I pressed the issue, I was given an 800 number to call. After speaking at great length, giving every possible piece of information about the acct., was told that it certainly could be closed over the phone. They would send paperwork.

A month later, no paperwork had arrived. I again called, got bounced around to a couple of people and finally was told that yes, this acct. could be closed over the phone. Again reassured, gave all the information, again...told the paperwork would be sent to my boss' home address.

Now my boss is getting frustrated. So in August I called again. This time I was instructed to write a letter, I was given a fax number to their "National Account Closing Dept." Per the conversation, 10 to 12 days after receipt of this letter, the account would be closed and the check would be mailed. To neither my boss's surprise nor mine, no check ever arrived. He then got on the phone and spoke with someone at the 800 number. As their conversation continued, he was given the same royal run-around that I was.

Finally in total frustration, he asked to speak with a supervisor. He was told that there was none on duty. He asked when a supervisor would be on duty and...got the run-around. She finally appeased him by telling him that he would be sent paperwork that needed to be completed. Once that was returned, the acct. would be closed and a check would be mailed. Well, that didn't happen either. No paperwork ever arrived - again.

Today I tried calling the branch where the account was originally opened. I asked to speak with someone who dealt with closing accounts. I was sharply told - you have to appear in person! I asked if I could speak with someone else. I was told there is no one else. I asked if the bank employed anyone besides the woman I was speaking with? She clicked off the line and when she came back on, she told me again that you need to appear in person to close an account. I asked again to speak with someone other than her. She finally transferred me around (I know it was at least twice) and I ended up speaking with another woman.

She asked for acct. info, etc. She then informed me that the acct. was closed. I asked how that happened? She then told me that because the acct. was inactive, the monies has been forfeited to the State of New York. She told me to give her a few minutes to make a few calls and she would call me back. About 20 minutes after that, she did in fact call me back. She then informed me that she needed to know if I knew "this name". She rattled off a name and I told her since I was not involved when this acct. was opened, I did not know or recognize the name.
However, since my boss was standing at my desk I could put him on the line.

He spoke with her and she asked him the same questions she had asked me - acct. #, etc. Finally, she told him that he needed to provide two photo IDs, copies of the checks, and other information about the account. Then she gave him a fax number. I have tried twice to get that fax through and have not been successful. It registers as "incomplete number". I guess the only recourse is to turn it over to an attorney and stop the madness.

I guess I had an overdraft protection service on my checking account that I was not fully aware of. The year before, I had gone to a branch with my husband and was asking about something else. A representative at the branch decided to do something on my account without my consent and I get a credit card in the mail. I do remember specifically telling the representative that I did not need a credit card account or a credit card.

I received the credit card and never used it since. I did notice a credit card account on my accounts under my Chase login, but I assumed that it had to do with the credit card and not associated with something else. I noticed some charges on my Chase credit card that were my overdraft charges on my checking account and the fees for it. I contacted the credit card department to see what charges were these and how did they get there. So, since it was seen as being correlated to my checking account, I was asked to go to the checking account department and discuss it with them.

I was on the phone with someone and asked her to hold while I verify the appropriate checking account number. When I came back to my phone, I was pretty much hung up on and I could hear the replay of the menu that directs you to the appropriate customer service representative Finally, I get a hold of someone to talk about my checking account. I am asking her all sorts of questions about it and specifically why I have an activated credit card account and how does that work. I am trying to figure out why I have an activated credit card account when I have never used the credit card.

So, the lady tells me that I should contact the credit card company and ask them those questions since it is relative to the credit card account. I spoke to the credit card department again and the person explains to me that it is activated because I have overdraft protection. On top of that, the representative explains to me that anyone of the reps that I may have spoken to in either departments could have explained this to me and that they were just pretty much passing the buck. I am sorry, but that just upsets me even more.

I had a few more questions as she continues to explain it to me because she stated that the minimum charge from the credit card is $50, which I can see on my credit card, but I see another overdraft protection fee which is 5 bucks. From her, I am being told that I have to talk to the other department again to see why the minimum overdraft protection fees are variable.

It just got really frustrating since I am being bobbled between two different departments to get all of my questions fully answered because the overdraft protection fee is associated with both the credit card and the checking account departments and neither department is taking full responsibility of the situation. Not once have I ever heard someone even state that they will do a three-way calling with the other department to fully answer all of my questions. That would have made it so much easier on me as a client to fully resolve the issue. Me, having been a customer service representative, I have done that so many times for a client to fully resolve issues.

My, my, my, we really miss the days of Washington Mutual (WaMu)! The transition to "commercial banking" has been emotionally and financially brutal to say the least. Now unsuspecting walk-in customers are ambushed by suited predators whose devious premise is to "assist you with your transaction(s)", when they are actually lined up to slam you with the Chase mega-sales pitch.

Their tactics are more aggressive than a seasoned auto sales persons, which leads me to believe there are definitely commission perks lurking in the shadows. Prior to today, I had managed to avoid the harassment by using the ATM or flat out refusing to leave the teller line and enter into the "cubicles of deception". Well, today (1/23/11) at 10:22 AM (PST), my core Chase nerves were aggravated by an extremely rude, arrogant and argumentative representative within Operating Loss Prevention (OPL)!

My issue is quite simple, a personal check was deposited into my checking account on 1/20/11 and the funds were withdrawn from the payer's account within a few hours on the same day. My question, after two business days, why are the funds still not available? Well, I was transferred from the primary customer service office to the OPL office which is located outside of the US. After hearing the empty response from the Chase rep, I asked to speak with a supervisor/manager. He adamantly refused and became extremely upset and argumentative. His accent went from "thick to mushy" within seconds!

After at least five ignored requests to be transferred, I informed this obnoxious and arrogant man that I would not respond to his repeated statements of "The sup./manager cannot release the funds on a non-business day", and would wait silently until he transferred my call. Yes, you guessed it, I was placed on hold for five minutes! After his supervisor answered the call, she had to do additional research which meant another five minutes on hold. Thankfully, she was able to provide me with sound information and an effective resolution.

Regretfully, when I asked to receive the mailing address for written complaints, she asked to place me on hold to search for this information. Yep, another five minutes (10:42-10:47 AM PST)!!! Oh, it gets better! Much to my surprise, when she finally returned and apologized for the long wait, she claimed to NOT HAVE an address for customers to mail their complaints, but would note my concerns in their "system"! My response was that I would do an internet search to find the mailing address to their corporate office and send my letter to the President and Vice-President of their corporation.

My final request was for her to note in their "system" that as a Chase banking customer and loan mortgage client, the poor customer service I received today was nauseating, obnoxious and a total disgrace to the banking industry! Well, my search turned up this website and has allowed me to vent some steam before sending out my formal complaint letters to the Chase Executives (for what it's worth!). Thanks for offering a networking website for the people!

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.