JPMorgan Chase
reviews and complaints

In September 2009 I made an on-line purchase using my bank debit card. Shortly after that, two unauthorized charges were made on my bank card ($79.95 & $2.38), which resulted in three overdraft charges of $33.00 each! I notified my bank and filed a report. But while in the process of taking care of it, my bank (Washington Mutual) was bought out by Chase Bank, and even though I submitted all my documentation to them over and over and over again - Chase Bank has FAILED to reimburse the unauthorized charges and has REFUSED to reverse the o/d charges! CHASE BANK HAS DONE ABSOLUTELY NOTHING TO CORRECT THIS PROBLEM! The Florida State Attorney General's Office got involved about six months ago, but a year has gone by since I was ripped off by the scam company HEALTHCLNS/CLEANWHITES and Chase Bank STILL has done nothing! Can someone tell me how I can get Chase Bank to take care of this?

These people are blooming idiots...After applying for and receiving a Home Equity Loan in November 2008 with Capital One, the loan was sold to Chase before I ever made a payment. No problem--I knew Capitla One did not service loans. Called Chase the other day to ask about a grace period on my Home Equity Loan and was told that I did not have a Home Equity Loan, but a first mortgage on my home! They argued with me about what kind of loan I had and stated that I couldn't have a Home Equity Loan on my house becuase I did not have a first mortgage! I called back and demanded to speak to a supervisor to get to the bottom of why my loan had been reclassified without my permission...circular service numbers...they all send you back to the same place. "Supervisor" was just another telephone answerer. No explanation...treated me with rudeness...Get Chase out of my life. I know this isn't a big deal compared to the problems that other people are having, but it's indicative of the MISERABLE service this company provides! Will definitely move my business somewhere else and God bless you folks with really big problems.

Chase credit card charged my account with $15 late fee and $1 interest on 7/5. However, our payment was not late, instead, Chase received the payment late. Chase system doesn't receive payments on holidays (7/5 Monday after 7/4 Independence Day), but the system does charge late fees on holidays. We called to try to resolve the issue, Both one representative and one superviser refused to reverse the fees. We believe it is extremely wrong to charge us late fee on a holiday when it is Chase system that failed to receive our payment. And our entire purchases (and payment) for the month was only $63.85, while the fees are $16 (i.e. fees are 25% of balance). This is very abusive. The bank's bad behavior should be punished. Customers should be aware of this kind of bad practise and should bank with a decent bank.

Chase Bank stopped mailing out my monthly bank account statement due to inactivity. When I went to the Chase Bank located at Totem Lake Way in Kirkland, WA to get a copy of my statement I was not told that my account would be charged $6.00 without my authorization. I find this unethical and a deceptive way to generate fees without providing any true banking service.

My uncle secured a HELOC for $50k from Chase in 2008 to buy a wheelchair-accessible van for my aunt, who died in Oct, 2009. My uncle died 10 days later. I was named executrix. The attorney for my uncle’s estate sent Chase the death certif. and my letter of authority in November, 2009. The branch also sent these documents to Chase Home Finance and I sent them several times. However, Chase refused to speak to me about the HELOC! I called and emailed several times and they said they had no proof I was the executrix!

In early May, I received a letter from Chase attorneys stating they had sued us! I guess they decided I WAS the executrix. The balance on the HELOC was approximately $40, 500.

I sold my uncle's house and at closing on May 17, 2010, the title company discovered Chase had never recorded the lien against the house! So the payoff was delayed. Chase was paid on May 20, 2010 and they KEPT $2800 from the proceeds for attorney fees!

Finally in June I spoke to someone in their ”executive office” who said it would be investigated. Yesterday I heard from Chase that they will NOT refund the $2800.

Chase has a website devoted to helping their customers with foreclosure, but they never offered that help to me for my deceased uncle’s estate. THEY WOULD NOT SPEAK TO ME!

This is how they treat their customers who die! This is appalling to say the least!

On behalf of my deceased uncle who had very little, I want this $2800 returned to us! This is pocket change to Chase. This must be resolved for my precious uncle and all others who may be treated this way by Chase Home Finance!

Charities Cry Foul on Chase Bank

Charities across the country are crying foul, as JP Morgan Chase Bank concludes its second annual $5M “Give Away” contest on Facebook, where participants were invited to vote for their favorite charities to win award money ranging from $20, 000-$250, 000. A significant number of charities that provide services ranging from arts education to autism advocacy and global outreach in support of human rights and eradicating poverty are now claiming that the contest rules were not transparent, and were suspiciously changed in the final stretch of the game, with apparent deference given by Chase to charities that are already well-endowed or that did not engage eligible Facebook users outside of the United States to vote.

“Official” contest rules published by Chase do not appear to have explicitly prohibited individuals from joining Facebook for the purpose of voting, yet thousands of new Facebook user votes were disqualified by Chase for this reason more than three weeks into the competition, with mere hours to go before the final votes were tallied.

A Chase bank representative from NY, on why thousands of votes were revoked from various Top 200 charities poised to win $20, 000 is quoted by one charity as retorting: "Our methods of determining which votes are proper or eligible are private and confidential. If we released this information, then all of the nonprofits would know [and understand] how we determine what is eligible."

Complaints from charities include the sudden removal of hundreds of votes by Chase during nightly “system” updates conducted at 3:00 a.m.; the receipt of automated disqualification emails by charities who had reached the top 200 ranks after arduous weeks of what they perceived to be fair participation in good faith; economic discrimination against participants who used public libraries or internet cafes to place their votes because they may not have had the means to afford a personal home computer; and promises allegedly made by Chase to provide the impacted charities with supporting documentation and understandable rationales that have not materialized as of the date of this publication.

“We received a telephone call a few days before the end of the competition, which at first we assumed to be a congratulatory call from Chase Bank. Instead, we were informed that Chase had identified a vague problem with security issues that was affecting many charities, that they were trying to “get to the bottom of it”, and we were informed that 321 hard-earned votes would be deleted from our rankings that night, ” states Richard Jones, a volunteer for the Dreaming Zebra Foundation, a Portland charity bringing art and music to underprivileged youth. “In response to our obvious confusion and protestations, Chase promised to further evaluate the situation and provide us with a clear explanation, but they never did. Instead they did it again two days later, altogether deleting over 800 votes without telling us precisely why. Our further attempts to reach Chase have been ignored. We don’t doubt that in a contest like this, that there is going to be a certain level of improper behavior, and we are glad to accept the outcome if Chase can prove that the rules were somehow violated, but to make up the rules as you go along is wrong, and to not exhibit an understanding of the time and labor involved for charities to successfully compete in the contest, and to delete our supporter’s votes without telling us why leaves a really questionable impression of the integrity of the contest overall. All we’re asking for is a reasonable explanation.”

A Facebook page has been created by a group called Charities Chasing Justice, and contest participants are invited to join to share their stories and experiences. In the event that the Facebook group is taken down, as organizers fear, by the “powers that be”, a representative for the group says that they will simply create a website instead in what they are calling the “pursuit of charitable justice”.

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Contact: [protected]@hotmail.com

I worked for WAMU until the Merger last year with Chase Bank and have received, nothing but problems, from the head of the company on down. I was a PFR and as you know we received incentive monthly. When Chase came aboard I stopped receiving my incentives although I worked extremely hard for the company made them millions of dollars but they refused to give me what was due to me. Therefore, I am currently working on a class action lawsuit against Chase Bank and there policies and procedures, and mistreatment of their employees. If you are seriously interested reply to this with your complaint and experience.

Wow I was feeling that I was alone with dealing with Chase. I am disabled and I had WAMU for a long time and with in the last few yrs things became hard I began working with WAMU to do a modification because my inrest rate is 12.9 and is not fixed so after working with WAMU for months I was informed that I was now being taken over by Chase. Well I was then told I would have to start the process all over again so I did I have been working with chase for the last 9 months to do a modification and they have done nothing but tell me that I was missing something or they didnt get my fax after they finally stopped that lie the next thing I was told was that I was denied. So I began going through the local consimer credit company here in town. There I learned that I should not have been denied so they went again submitting all of my paper work. I am 2 months behind but close to catching up as of today. Well after looking through mail here it is July and I noticed I have not recieved a statement since Feb. Well on today I went back down to the Consumer Credit and there they tried to contact chase after we got someone on the phone they were really rude and did not want to give us any information. Even to include me the owner, They told us that they that would send us to a diffrent department and after doing that a few times they told us that they will not give us any information and all we would get next is a dial tone and that was all. I need to redo my information but they will not give the Consumer credit company any information to do so. And still now they will not talk to me about my own account I too will LIKE TO BE INVOLVED IN A CLASS ACTION SUIT AGAINT CHASE.They really have no intent if helping anyone with the government money they were given I have talked with many companies and they all say that Chase are not easy to work with and most times they wont.

I opened a Chase checking account for no purpose other than it was convenient to where I worked. While still in the process of opening it, I made sure to ask if there were fees to make account transfers, and how quickly on average their online banking was updated. I was told there were zero fees for account transfers, and that the online banking updates instantly. Regardless of that, I chose to keep my own written records, just in case. I transfered funds into another bank account I already had. For some unknown reason, this took over a week to do. Then Chase charged me for it, which overdrew my account, which I also got charged for. I went to the bank to speak to cash a money order my parents had sent me for Christmas, they told me it was uncashable, and that my only option was to deposit it. This was before I had even mentioned I had an account. So, I got to use my Christmas money to pay for their issues. What little of it was left, they charged me an annual fee for a program I never signed up for, never got any information for. I eventually got them to reverse all of the charges, besides the annual debit card fee. Well, now they've done it again. I spent my fourth of July shopping to my heart's content, being ever so cautious about what I was spending. I came home several times in my trip to compare my numbers to my online banking numbers, and they matched up. So today, when I get online and see that the money that I had left in my account had somehow disappeared without any additional transactions and I had been charged three overdraft fees of thirty-four dollars each, it is pretty safe to say that I will be switching banks. I felt especially ridiculous when my fiancé was triple charged for something, they would not fix it, and charged him overdraft fee after overdraft fee. This was after they would not refund him yet another double payment because they didn't have proof it existed, even though it was right there in his transaction history, yet I stayed with the bank. Chase bank is a real nightmare. Avoid it at all costs.

I hold 4 credit cards with Chase. 2 started out with Providian, which was later bought out by Chase. Of course, I had balances before the takeover. My credit limits were initially dropped shortly after takeover (1+ year ago) but I did not complain. Today takes the cake - I received notification from Chase (4 separate notices) that they have halved in some cases my credit lines, putting my new credit line only hundreds of dollars away from my current balances. My minimum payments ALONE will put me OVER the limit in a matter of a month or two. I have ALWAYS paid all 4 accounts on time, and ALWAYS pay substantially above the minimum payment. Not to mention that my credit is going to take an immediate and MASSIVE nosedive due to my new balance vs. credit line. This is predatory and unconscionable behavior. Believe me, they are making a FORTUNE off of me just based on my revolving balances alone. By this move they have done, they are going to send me into financial RUIN within a matter of a month or two. My accounts are not now (or ever) in default - there is no reason to do such a substantial reduction in my credit lines - especially all 4 at once. Apparently they do not value me as a longstanding customer. This is ridiculous and shows how little this bank truly cares for its customers. I am appalled at this move on the bank's part. Here is an outline of the credit line cuts:
Account 1: My current balance is 3942.02 - they cut my limit from 11, 600 to 4, 900. 8 days ago, I had $7607 available credit. Now, with no notice, I have 641!
Account 2: My current balance is 5004.12 - they cut my limit from 8, 100 to 5, 700. 13 days ago, I had $2905 available credit, now with no notice, I have $658!
Account 3: My current balance is 2761.89 - they cut my limit from 5, 800 to 3, 300. 13 days ago I had $2888 available credit, now with no notice, I have $538!
Account 4: My current balance is 2258.86 - they cut my limit from 5, 000 to 2, 900. 8 days ago, I had $2, 466 available credit, now with no notice, I have $641!

How is it that I, as a longstanding customer who pays on time and always ABOVE my minimum, and that this company certainly makes a TON of money in finance charges, is able to take my credit and TRASH IT with no notice. As I stated earlier, my minimum payments ALONE becoming due are going to send me OVER MY NEW CREDIT LIMITS within a matter of a month or two. This is unfair treatment by a bank that is clearly BULLYING its customers.

I am registering this complaint due to the fact that I recieved a pell grant check recently from my university. The check was drawn on Chase Bank. The amount is irrelevent. The situation is as follows. Walked into the Merced branch of the bank fully expecting to be able to cah a check drawn on the financial institution. Although pleasant the teller informed me that I would not be able to cash the check due to the fact that I had for ID was my valid California drivers liscense and my Social Security card. I am an intellegent man and understand the fact that they need to be careful, but as I had all valid ID and all paperwork from my university surrounding the circumstances of this check, not to mention the fact it was drawn on their bank. They could not honor the check as I did not have a bank card or someother form of identification. I requested to speak to the branch manager, who went over my options, to no avail. I explained that I am a student, albeit 52 years old that rents a room from folks, and does not have any utilities or any other form of ID other than what has traditionaly been acceptable. Then the manager went on to inform me that if I was 55 years of age, they could cash the check for me as their "senior citizen" policy. Thsi appalled me. What kind of financial institution can refuse to cash a vaild check from a reputable source, drawn on their bank, and make a different policy for ID, based on a variable of three years of age. I even offered to allow them to speak to my student counselor, as she could have easily gave them even further verification. They politely refused that option. I am here today to simply inform people that this bank is not a "people" institution. The one thing I did promise the branch manager in a polite fashion, was that I would recommend not using them for the duration, and that I would complain via the web, as I see many others have as well. Ban Chase Bank.

Due to the downward economy I could no longer keep up with feeding my rental house and with the home prices at the bottom of the barrel I found myself upside down with this home. I listed the property for sale under a "short sale". After the 3rd showing of the property there was a contract written for which I accepted. The file was assigned to a negotiator at Chase and after 6-weeks we received approval from them on the sale. The next step was to obtain approval from the HELOC (Home Equity Line of Credit). AS the Trustee Sale date loomed before us the negotiator on the first postponed the sale for 1-week to obtain approval from the HELOC. We did receive the approval from the HELOC and everything was sent to the negotiator on the first to resubmit for a postponement of the trustee sale. The realtors called, faxed, emailed numerous times a day to no avail...with a ready, willing & able buyer on the sidelines waiting to proceed with purchasing this property the trustee sale was not postponed and the home was foreclosed on. With Chase being one of the biggest offenders in accepting bailout money from our goverment (yours & my pockes) how can they get away with no stopping these sales when they have approved them? And to put the icing on the cake they are giving the tenants between $1, 000 - $1, 500 to give them the keys! Sounds like CORRUPTION to me! And, I did beg Chase to help me many times and I was told "when you make better money, call us back".

In 2008 I rented a safe deposit box with wamu on the basis that it
Was paid annually with an automatic deduction from my checking account of $50.
Then, in 2009 I decided to cancel the safe deposit box with now chase manhattan
Bank. I went into the branch approximately 1 1/2 mos. Before the deduction was
To occur and cancelled the rental of the safe deposit box. The account manager
Took my keys and had me sign a piece of paper stating I no longer wanted the
Box. When renewal time came around, I saw that my checking account was
Deducted $50 for the box. I called the branch and told them that I had
Cancelled rental of the box. They proceeded to tell me that the deduction comes
From another company and basically gave me the run around. This went on for
About 2 mos. Until I finally yelled at the branch manager and said you assured
Me this would not happen and I think chase has enough money to put back the $50
They owe me. After I got upset I noticed the money was p
Ut into my account. Now, in june of 2010, I have received a letter indicating
I owe for this years rental of the box. When does this stop? It has been a
Year since I have rented that box and they are charging me? I called the branch
Today and of course conveniently all managers are not available and in a
Meeting. I left my phone number and no one has called me all day. I also called
The 800 number for chase who said I had to talk to the branch I opened the box
At. I told them I want someone in charge in their corporate office to alert
Them of the lack of attention to this matter and the fact that no one is doing
Their job properly. They could not give me a proper phone number until I asked
For a supervisor who gave me the district managers phone number. I called him
Today and left a detailed message with my phone number to the surprise again of
No phone call. What does one have to do to get an issue resolved with one of
The largest banks of america?

I would like to find out if there is a government agencies that I can file a formal complain against CHASE.
CHASE have been giving me a run around w/ my home loan modification.
I would like to find out what other options I have. Per Pres. Obama's program, the bank should be helping us to reorgnized our loan.
I have been calling almost every week. I don't know how many times I faxed all the requirements. I was told that my application was denied bec. I don't make enough. Exactly my point, since I am the only one working at this time, I want to extend the life of the loan so I can afford the monthly payment.
Can someone help me, please.

Because of my unpaid account they connected my phone to a machine to dial my home phone many times during the day. It is done to many people every day. I told them and emailed that I wont pay till my account is fixed. I had a permanent credit and unfairly they reversed the charges. No one listens or try to understand. Keeping on calling my house and no one at the other end. That is HARRASSEMENT. How can they allow this to happen.
Chase is the worse company
SUCH A STUPID BEHEAVIOR ON THEIR PART.

Every complaint I have read on this site matches ALL the complaints I have regarding Chase Home Finance. My husband and ran into trouble paying our mortgage when he lost his job in 2007. We thought Chase was helping us when they approved us for a modification, after almost a year of countless phone calls, faxes of documents, and aggravation beyond aggravation in retelling our circumstances to every person who happened to pick up the call. We were approved and had the papers notarized in April 2009, made a contribution payment, and our first new payment was due in June of 2009. We made these payments, and then I lost my job as a full time teacher. We continued to make our modification payments each month, but began to have trouble paying the escrow. Low and behold, when we thought we were finally able to pay the back escrow...Chase informed us that we owed much more than that! They had been taking our monthly payments and hanging them in a suspense account, charging us late fees, as well as fees to have the home assessed to make sure it was in liveable condition, and applying our payments when they saw fit. NEXT...we were advised to request an extension on the account to bring it current, otherwise the monies wouldn't be applied appropriately, and we would have more headaches. REALLY? Well...we applied for the extension, were faxed documentation regarding the amount we had to send in, and we sent it in (almost $6, 000), return receipt requested so we had proof that it was in by their deadline of May24, 2010. Guess what...we were told that it wasn't received in time and we needed to send one more escrow payment of $802. We tried to fight it verbally over the phone, but eventually agreed to send it in because we were told we would have to anyway, and we would be saving ourselves the $1, 400 of the modification payment for the month of June. We were also told that this would bring our account current. I continued to call to verify if the payment was received and applied because I did not get my return receipt card back this time, and when I finally got through I was passed onto the supervisor who informed me that we still needed to send another $2, 200. All of this, AFTER we had been told we were approved for the extension! Oh, and did I mention that the first return receipt card was stamped by someone at Chase on May 24...the deadline which they told me we neede to meet...and when I finally received the second card from the extra payment we made, it wasn't stamped by anyone, nor did it bare a date of receipt. I have filed a complaint with the OCC (Office of the Comptroller of Currency), and continue to fight this tooth and nail. Chase wants to play GOD and control our lives, but they were no where in sight when we lost our jobs and couldn't control that!

I requested assistance from Chase about a Home Modification Plan exactly one year ago. We lost our business and had nothing but unemployment. At that time, they offered a temporary reduction in our payment from $1120 per month to $981 per month. Though we had nothing but unemployment, we made those $ 981 payments every month and they accepted them, for which I can prove.
We filled out the modification packet as many as seven times during the span of 1 year. The fraud involves that with each packet they would claim they did not have this and then that ---every single time. In other words, this tactic is a stall tactic until ones financial situation changes. At this time, low and behold, they have all the packet pieces and with your current situation, you do not qualify. At this point, you are denied the modification; and they add up all the fees they can possibly find and demand this huge payment; and slap you with foreclosure and proceed to steal the home ----because by then you are even further behind. Also during this period neither tax nor insurance are paid (if escrowed), thus making matters even worse. Not to mention the reduction in the temporary payment, in our case, less than $200 dollars is certainly no favor at all---just more of the same scam.
I also might add you never have one adviser .Instead, you are shuffled through many creating mass confusion, and even the contact phone numbers are shuffled continuously.
This must be investigated, as I am quite sure we are not the only ones going through this very unethical and downright evil charade. In fact, there are already web sites trying to organize themselves, all with the same complaints concerning Chase .
Thank You,
Brenda Nickel

I lease and sell homes. I have a mortgage with Washington Mutual, which Chase Bank now owns, on a home in Nevada.

When called about a late payment in August of 2009, I told Chase that home was vacant and for sale, that there was a contract to sell the property by lease/option, and that the loan should be current the next month.

They (Chase) contacted Farmers (my insurance co.) and told them the house was vacant on August 21, 2009. Farmers policy is to cancel insurance after 30 days of vacancy.

I sold the home by lease/option on Sept 1, 2009, and occupancy took place on that date. I have retained legal title to that property until the new owners exercise their option to purchase. Weststar is my servicer on that loan, and they began paying Chase on Sept. 3, 2009 from the proceeds of the lease.

That same week, I notified Chase of the sale on Sept 1, 2009. Chase never informed Farmers of the sale and occupancy, therefore Farmers canceled the policy on that home. My annual premium with Farmers was $2, 043/yr.

Chase then had Assurant, Inc. place a policy on that property. Assurant's premium is $7, 683/yr.

My monthly payment increased nearly $1, 100/mo. from $2, 350.34/mo. to $3, 439.37/mo. due to the 'increased impounds' needed to cover the $5, 640/yr. increase in insurance, retroactive back to September of 2009.

I was not informed of the increased payments, or of Assurant's covering this home until today, June 18, 2010, by Jay Balagtas (Chase CS), who told me there was no business arrangement between Chase and Assurant.

FYI, the property taxes went down $718/yr.to $5, 071.88/yr., and the interest rate dropped from 5.29% to 5.06% during the same period.

Loraine at Assuant [protected]) told me Chase and Assurant are contracted affiliated partners, and that she is sending me a copy of the insurance policy and of the agreement between Chase and Assurant. Later that day, I confronted George Serrudo from the Chase customer service (CS) dept. [protected]) about what Loraine told me.

I never received an insurance policy, was never told of the contracted business arrangement between Chase and Assurant, and was never given formal notice of that new policy with Assurant.

I was never given a form releasing my right to individual insurance representation.

Here are excerpts from Assurant's website:
News Room
January 28, 2009
Assurant Specialty Property Uses Chase...
Assurant Specialty Property is a leading provider of specialty insurance and collateral protection programs, including creditor-placed homeowners insurance...
They develop, underwrite, market and administer specialty property and personal lines of insurance through collaborative relationships with leading home mortgage companies...
Assurant Specialty Property serves clients and their customers in all 50 states and the District of Columbia...
Partner with clients who are leaders in their industries and who have built leadership positions in a number of specialty insurance market segments worldwide...www.assurantspecialtyproperty.com

I contacted the Nevada Insurance Division. They state Assurant is not licensed in Nevada to sell insurance at all, let alone covering property located in Nevada, and that they required to give me a copy of the policy at the time any coverage takes affect.

I have over $150k in equity in this home. This is how lenders 'legally' steal peoples property through foreclosure.

Not sure how this is going to be resolved, but I am going to demand a release of the loan and a deed of reconveyance for mortgage fraud, insurance fraud, breach of contract, wire fraud, and mail fraud.