JPMorgan Chase

I was late on my car payment 30 days and judy called me at work i told she would the payment my next she told that she is comming for the car she asked me why have i been late i told her since i bought the car it has been in the shop once a month she said that is not her problem and then told me she would call my boss and tell him what a loser i am and then hung up the phone on me i tryed calling her back but she would not return my phone calls. and now the repo. company is calling my work they are very nice people there they just told me call chase to make a payment but they will not return my calls.thank you

We walked foolishly into this transaction with Chase out of desperation of needing a car. We were not coaxed nor talked into it. We were persuaded by the cost of replacing the transmission in the vehicle we had. We should never have made this decision as quickly as we did. Our fault, end of that chapter.
I will also not blame Chase for the financial bind we put ourselves into, however I do feel they take advantage of people with the type of loans they make and the interest they charge. But again, if we had not been so desperate, thinking this was our only option, we wouldn’t have signed the papers and I would not be writing this letter. Our fault again for not paying enough attention.
Where I do find fault with Chase is in the way they do business. But, I guess this is the way corporations do business these days. As long as companies like Chase can distance themselves from the individual customer, they can be uncaring and cold in their practices. I am not asking for special treatment, don’t get me wrong. I have a responsibility and I want to own up to it, but look at me as an individual. Look at my past performance, understand that I may have a problem and run into a hiccup in my finances. Oh, when the customer service rep is on the phone with you, you are made to feel like you are so very important and they have strong desire to help you. What one does not realize in that moment, that the main goal is to sugar coat the fact that while they are “helping” you, they are only thinking to get through this phone call and on to the next dead beat that does not pay their bills on time. In “helping” they suggest various sorts of ways, down to borrowing money from your neighbor. The ultimate “let us help you” I got last year was to defer two months payments. “This way we avoid annoying phone calls and you can get caught up and start fresh in two months.” Great, thank you --- for nothing.
January roles around and the process of trying to purchase a home begins. Yet another assembly of flaming hoops to jump through, but that is another story. Chase has reported not the two actual (which I am not proud of) months past 30 days, but rather four consecutive months. I was told that Chase only shows two when I called three times in one week. When I called the fourth time, the following week, I finally reached someone who walked through the payment history with me. – after being told by the three previous employees they can’t see the history, only that two payments had been late. Hmmm…..lazy or just untrained? As we walked through the history, yes, two payments, May and July were late. And yes, there is reason, which I explained each and every time to every person I talked to at Chase in those months which I was desperately trying to keep our finances afloat, not that they bother to make note of that, it’s better to have the customer repeat over and over the struggle. I digress. Ms. Corrales explains to me that she will personally take care of this error in reporting to the credit bureaus (which I might add were not all reporting the same information) and request that it is corrected and that I would also receive a letter that I could give to the lender for the mortgage.
I waited patiently for two weeks to get said letter. When I got it, it was a form letter that indicated after researching the account, what was reported was indeed accurate and therefore no changes would be made in to the credit bureaus. Nicely played Chase, nicely played.
Upon speaking with an overly cheery Rosie Something-or-Other, who made me feel like the Steve Martin character from Planes, Trains and Automobiles, you know the scene, and being on hold for over 5 minutes, came back to unnecessarily go over the history with me three more times, then tells me she needs to research this info and I could either hold a few more minutes or she could call me back. I told her I would call Ms. Corrales, which I did. Who also put me on hold for about 9 minutes only to return and offer the same deal Rosie had. At that point, I informed her that no, I needed to pick up a kid from school then my husband from work, why? because two weeks ago, we were in a four car collision resulting in his car being totaled and we are now down to one car – and yes, I interjected with how badly I wished it had been the Malibu – call me back. Which she did, leaving a message with the term “rolling delinquencies”, meaning we are basically screwed because Chase has determined that while May was late, it is not reported as such, June was late but not past 30 days, but because May was past 30 days, June had (yes, ‘had’) to be reported as delinquent. Because July and August were paid in a double payment, August not being 30 days late, they both ‘had’ to be reported as delinquent. September, which was deferred (and they try to tell me every time that only October was deferred until I insist they check the record and only then do they see that it was September and October both) for some asinine reason, is also reported delinquent. No payment was due, but it is “accurately” reported delinquent. Ms. Corrales did seem genuinely sorry that she had misinformed me about correcting the error two weeks ago, but there was nothing she could do for me further. She told me it does not make sense to her either and that it took quite a bit of explaining for her to understand what “rolling delinquencies” meant, which she was unable to restate other than to repeat how it was reported, not why it was reported this way. Somehow, that all seems “fair and accurate” to Chase and I’m guessing to the credit bureaus as well.
So, thank you Chase for your cold and uncaring attitude toward your customers. I know I am not alone, as I publicly announce my intense loathing of your company; I am comforted in a rather twisted way to know others are treated as poorly as I have been. I am one person, but I will use my voice. Anywhere and everywhere I can get the word out as to your horrible business nature I will.

By far the worst customer service in the history of customer services. Good luck trying to get anyone who can speak clear English. For an issue that could have and should have taken all but 20 minutes, took over 2 weeks. Good luck getting a supervisor to call you back, good luck getting directed to the same person you spoke with before who actually knows your claim. Extremely rude. They not only lied to me but actually gave false names of supervisors when their own local Chase representitive called on our behalf. The CSR would give a name, the local Chase Rep would look them up in the system and believe it or not, they didn't exist. It was a fake name. I spoke to 7 different CSR's over the two week span. The issue was never resolved with the customer service hotline. If it wasn't for the local Chase Rep and the 3rd party involved who quite frankly didn't care what Chase said or did, they would help rectify the situation without involving Chase or even following Chase's on policies/contract with them. The 3rd party also complained about the impoliteness of the CSR's at Chase. Adivce... Stay away from Chase by all means.

Some one who says they are from Chase auto has been calling family members saying they were references on my loan. Yes I am have problems with Chase as they say I did not make this months payment but the bank says they took the funds so they are investigating what is going on but why contact my family at all?

Terrible company. Very rude customer service... Was late on car payment due to hardship situation... They called every day about 7 times a day...

i have a box wired under my dash . and the red lights blinking . my truck started and ran fine friday, sunday i try to start it and it just cranks like no fuel, , can chase do this?

chase hasent taken the payment out of my account and have been rude and nasty with phone calls, i have a box wired to the truck which i think they had my truck pinged . all it did this morning was crank, wont start, is this possable or do i have a fuel pump problem?

Sorry to hear about this...Chase is the worst offender of all the banks.

You probably had a subprime loan because of your bad credit...Chase takes these types of loans very seriously. I bet you didn't thank Chase when they bought your horrible credit loan. If you were having financial hardship, your first move should have been to contact Chase yourself and work out payment arrangements. Once the collections dept is involved, they are going to do whatever they need to do to collect that payment or repo the car. It's your obligation to pay it. That's why you signed a contract, DUH! Cars aren't free, they are suppose to be paid for! If you can't afford it, voluntarily have it reposessed...end of story.

They did the exact same thing to my wife and I. They have raised our payment $500.00 a month because of this (past 6 months) and I can't get anyone on the phone that can help me. I have requested an "Escrow Analysis" to try to get these charges reversed, but they keep sending me to other departments, then putting me on hold, then hanging up on me! Their customer service is horrible and I am getting a lawyer to try to help us out, even though it will cost me more money. Who can we report this to that could make a difference? It is shameful and should be illegal.

They did exactly the same thing to me. After my first year of house payments they paid my Insurance then started dunning my escrow account for it. They charged me for period of time when they said they had no proof of coverage. Basically, I have had to fight them every month since. Today, I got a "soft collections" call at work, because they say I am past due because I didn't pay the escrow amount in my payment that they said I owed. Surely there must be something that can be done. Obviously this is something they do to people on a regular basis. Maybe a Big Old Class Action Law Suit is in the works. Oh yeah, to thank me for being loyal customer they raised my interest rate on my credit card by 6%. I could either take it or leave it. If I chose to refuse, they would close my account, which looks bad on your credit report. FURIOUS!

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

When they even bother sending my statement (which is not frequently, as I've gotten about five total in the last nine months), it usually arrives far too late to mail the payment in with the statement. I've had to just priority mail them a check every month. Add that to the fact that they don't offer any kind of online payment or bank draft, and it's pretty clear that they're just waiting for you to forget one month so they can slap you with a near-criminal 30% interest rate. I signed up with this company because it was the one my orthodontist offered, but honestly, you're better off getting a credit card from a reputable company with some kind of no-interest promotion.

I just paid over $850 in extra fees and interest on a loan from ChaseHealthAdvance. Beware of questionable business practices including delays in processing of your payments, extra fees, changes in your loan due date, huge interest charges if ChaseHealth considers a payment late, non-response to complaints & disputes, poor customer service, and the list goes on. It was like pulling teeth to get a copy of the loan terms and by then it was too late. Be sure to do your research and check for complaints, and the BBB rating before signing up for a loan from ChaseHealth, Unicorn, ChasehealthAdvance or any other name they may use.

I have had the same problems with this company. I made extra payment in a month to cover the next month and they wouldn't except it. I was told I was a month behind and that extra money was just deducted from my balance. I was charged $35.00 for .82cents. I asked to change my payment date and I was told that it would cost me $15.00. I called to speak with a supervisor and was not given the right. Instead I was told that I had contacted them on July 10th about some charges . They called me, and I wasn't given the right to speak to a supervisor. even after I told them I would put it in writing to the Better Business Bureau, nothing was done. This company is a rip-off and physicians that use them should stop, its says a lot about their business.

Agree, chasehealthadvance is taking advantage of every customer and keep charging extra fees. I fell behind on my payments and they put me into a program that it will extend my payoff balance to 24 payments but they have charged me about $175.00 in three months for late fees even though I have never sent a payment late since I got into this program. they are charing $35.00 for phone conversations and $39 for late fees. They are really taking advantage of my situation.

I definitely agree with you Robert since I've gone through a similar situation my self. I was overcharged extra interest even when they have received my full payment for the balance on my loan. It is very unethical business practice and dentists and patients should definitely do their research well before they get themselves into thier trap.

I just got a phone call from Chase and they are terribly unprofessional. Pretty much same issues as above. So how do you do it? how do I tell them that they are not going to get $800 + out of me for finance charges?
I need help, Please!

hi, I had a similar problem with ChaseHealthAdvance. One of the worst comapny to deal with. I signed up with this company because my laser doctor only offiered them and i never dealt with them before, but the customer service at chase is really bad and will never asnwer any questions. First i didn't recieve my statments because according to them they were sending at wrong address and i called in to get them emailed so i won't be late on my payments. So they added $39 dollar late charge and when i called to explain the situtuation they were very rude and unwilling to help. I would never do bussiness with Chase and their late payments department is one of the worst. I really wish this company gets out of bussiness .

I totally agree with you in this matter. If there is something that I can do to make this go away, I would. I just went through the exact same thing, the company sends me a bill and I have not even got the paperwork on the loan. I just received my first bill and it says that I am behind in my payments of two months and I just received my first bill on yesterday, how crazy is that...

I have been a JP Morgan Chase Bank costumer for over eight years, with an impeccable record of balances and timely payments.

There was a small balance ($ 107.45) that I never knew of, and was never notified of. Eventually Chase closed my account and sent the debt to Universal Fidelity, a collection agency. Because of this, my entire credit history and CREDIT RECORD GOT RUINED.

The following is an explanation, step by step, of what happened:

In May of 2007 I decided to go paperless, accepting Chase Manhattan Bank’s offer to view my statements online only. I stated checking my statements there and everything always seemed to be perfectly fine. Online, I could see my statements and activities for my checking and savings accounts, as well as for my credit card (there was absolutely nothing, no information, on my Overdraft Line of Credit)

On January 18, 2008 I received a notice from my other credit card, American Express, saying that they were lowering my credit because they had received information from a credit report agency stating that I was delinquent. They did not specify the reasons.

After requesting my credit History through Trans Union and Equifax I found out that my credit had been undermined by a long-standing debt with Chase Manhattan Bank’s Overdraft Line of Credit of which I had NEVER BEEN NOTIFIED. I REPEAT: by a long-standing debt with Chase Manhattan Bank’s Overdraft Line of Credit of which I had NEVER, EVER, BEEN NOTIFIED, I KNEW NOTHING ABOUT IT.

In February of 2oo8, as soon as I found out what the source of the problem was, I went my closest branch of Chase Manhattan Bank, at 2219 Broadway
New York, NY 10024, talked to Alicia Sang, the branch manager. She tried to help by requesting to take the debt away from the hands of Universal Fidelity. She put a request to Chase Card Services and to Chase Online department on my behalf to have my situation investigated.

Immediately after I started receiving calls and getting letters from Universal Fidelity, trying to collect their booty. However, Chase Card Services never contacted me.

Seven months have passed and I still don’t have an answer from Chase Card Services or from Chase Online department.

My request is:

To be able to pay the debt that I have and would have been more than happy to pay as soon as it appeared, had I known about it.

A rectification of my credit history sent from Chase Manhattan Bank to all credit reporting agencies.

An explanation and apology from Chase Manhattan Bank as for why, your online services never showed the balances on the Overdraft Line of Credit and I never got any notice that I had a debt.

As you can imagine, after being financially responsible working hard all my life to keep an impeccable credit record I would not want it ruined by such a ridiculously small and evitable debt.

Worst customer service experience ever. Called [protected] for Blance transfer. CS rep. Jermy from Flolida department yelled at me during conversation. Very rude and inappropriate way to treat customer.

JPMC is by far the worst ever. I had been a customer of Chase for over 8 years. I lost my job, and had been denied for unemployment benefits. I did have some money in savings, but had to stretch every dime. With the job market, its uncertain when I will be able to find another job. I don't believe in bankruptcy and have never been late on a bill in my 27 years of life. But here I am faced with the fear of buying groceries to feed my kids or paying Chase's ridiculous minimum payment. Since I was not yet delinquent on any of my accounts, my pre-bankruptcy councel encouraged me to call my creditors and see if I could buy some relief time. Discover didn't bat an eyelash and presented me 4 different options to lower my monthly payments and cut my interest in half to avoid negative amoritization. My mortgage holder rewrote my mortgage. My auto lender (Wells Fargo) offered me a 60 day stay on my car payments. I was thrilled. Until I called Chase. Chase LAUGHED at me. The representative stated, "Ma'm, you don't have an income...what do you want us to do?!" She stated if I was bringing in unemployment they could modify the terms of my loan, but her job was simply to inform me of my penalties if I didn't make my full payment in 4 days. I spoke to a manager as well who stated that Chase did not care if my balance was discharged in Bankruptcy. They were right. I got a letter a week later, stating my interest had been increased to 29.99%, I was being charged a $39.00 late fee, and to make matters worse, they had chosen to lower my limit, so I was also being charged a $400 over limit fee. Chase single handedly forced me into bankruptcy. I hope they go under. I have written my congressman with my story, and advised that I do not want to see ANY of my tax dollars going to support a bail out for JPMC.

I can relate to the attitude of Chase in their dealings with people. I too had a run-in with them over a mesley $ 15 late fee. I was at fault but it was an honest oversight. I had resurrected my Chase Card after several years of non use. My mistake was failing to check the date the payment was due. I had gotten into a habit of paying bills the 10th and the 25th each month. When Chase's bill came in I laid it up in the stack to be paid the 25th not realizing it was due the 10th. As a result I was late.
I asked them to defer the assessment and explained the situation.
They acted as if they could care less. I ended up paying them but I immediately cut up and returned the card. I average almost ten thousand dollars in charges to my credit cards annually but you can bet I'll never use Chase again. My credit score I might add is right at 750 so they know I am not a deadbeat.
If they can't treat people as real folk and be human about things they can rot as far as I am concerned. Talk about cutting off your nose to spite your face and I see Chase every time
Sincerely,
Ken B

I have an unauthorized charge of $14.95 on my credit card. This is scam! Beware!

I have the same situation more or less but my charge has been going on since October 2007 (more than a year).

I spoke to ID Protection, initially they told me that they do not have any proof of me authorizing this charge and also mentioned this information is "vague" on my account. I was then transfered to level to support and spoke to a representative who would not tell me her full name, she just told me her name was Deborah and wouldn't tell me her full name when I asked because she did not have to. Then, when I spoke to "Deborah, " she told me there was a phone call authorizaion and it would take about 8 to 12 weeks to pull out that phone call. Also, if they find out that I actually authorized it in a phone call, they will take all the credits that they have given me. I was surprised learning about the credits that they have given me because I had no clue about these credits. Upon asking, she mentioned the first representative that i spoke to had cancelled my "membership" and had given me the credit for last two charges which i i never asked for. Then "Deborah" put me on hold in order to get ready to do the paper for about five minutes. She came back on the phone, and asked me my billing address (which I gave to her at the beginning of the call) and then the phone number. This was all the paper work she needed.

I felt humiliated about all this, thinking about why wouldn't she tell me her name. If I am trusting Chase with thousands of dollars and making my payments religiously, why can an employee not tell me her full name for my records. She gets loud on the phone with me when I insisted to know her name (right before she told me that she doesn't have to give me her name). I even asked her if I can go to the court and demand justice just to make an example so this doesnot happen to other people without their knowledge. On that, she said that I cannot do much, I can just get all the money back if they find out that there was no call from authorizing this. Obviously, something is fishy here.

Then, I wanted to talk to someeone who can give me his/her full name for court purpose and asked for her supervisor. I was on hold for about 15 minutes, supervisor came. I asked him same question about his name, he told me that his name is John. I asked full name and he said it's John and gave me his extension number. I asked why wouldn't he tell me his full name, he said, "it's company policy." That got me even more curious, now i wanted to know the script of company's policy and he said I couldn't have it, that is also against their policy. He told me that I could get all this information from "www.firstadvantage.com."

This is the story of my evening of 10/30/2008.

I am currently looking for a law firm to take this matter forward, if anyone knows a lawfirm, please let me know by e-mail "anazir_1@yahoo.com."

I am dealing with shameless Chase id protection charge, now. You know what we should record the name and number of the ID protection costumer service. And for sure I'll complain them for cheating me twice. I called them 2 times to cancel the charge, actually never be done.

I have a similar complaint regarding the Chase ID protection. My wife and I called more than six(6) months ago to cancel this Chase ID protection. They advised me that they would cancel and never did. I must admit that there was an oversight on my behalf and the charge of $11.99 appeared on my statement every month. So I called Chase credit card customer service 06/2008, to tell the cutomer service agent that the Chase ID protection service was never cancelled six(6) months ago and I would like a full refund. I was advised that the company extends its apologies, but all they could refund was two (2) months of service. They also had no record of the prior call to cancel. Chase credit card customer service then referred me to Chase ID protection. They were rude and a joke. Chase ID protection customer service then referred me back to Chase credit card customer service. At this point it is a waste. I advised the rep at Chase ID protection that I would be writing this message and that I would tell all of my family and friends about the horrible service at this company.

This one is completely true. They'll nail you for months if you're not looking. Sometimes on cards that haven't had activity in years! In their defense, it is a third party company pulling this.

The people that work at Chase Insurance Claims Department are actually a company called Assurant Specialty Property, they are not part of Chase Bank. Their job is to make it as difficult as possible for you to get your insurance loss proceeds. They lie constantly, and claim that they haven't received either documentation or money, when I have the signed receipt that says they received it. I have a $290, 000.00 water damage loss, and they are refusing to give me even 50% of the money, so that I can get my property to 50% completion. Out of $290, 000.00, they have give me about $60, 000.00 and they are refusing to give me any more. They told me that my property needed to be at 50% completion! WTF?! You've only given me 25% of the money, but I am supposed to be at 50% completion? All my documents have been properly submitted a long time ago, including my signed contract with my contractor. I asked them "how in the hell am I supposed to get to 50% completion, when you refuse to give me the money to get to 50% completion?" They told me to work it out with my contractor. There's nothing to work out, he needs money for materials, and Chase is refusing to give me any money. By the way, Chase's interest in my property is minimal. I could burn my house down and they would be over collateralized by a factor of 6 times just on the value of the land alone. Every time I call the insurance department, they give me a totally different story. They lie constantly. They told me that I needed an inspection, and then told me I had to wait between 3 to 5 business days. I asked if they could expedite the inspection, they said they would. The inspector called me on the 5th business day (of course) and told me that he had just received the request, which means that Chase sat on the request until the very last moment, and then submitted it. These people should burn in hell, they are the biggest bunch of thieves on the planet. All they do is lie all day long, and none of them knows how to do even simple math. I asked the person, "how am I supposed to get to 50% completion, if you continue to refuse to give me the money?" They told me to work it out with my contractor. When my inspection results finally came in, they were at 35%. Chase told me that they should have been at 38%, so they denied my request for funds. Are YOU KIDDING ME? These people need to get slapped with a huge lawsuit for punitive damages.

I feel awful that this has happened to so many innocent people. My boyfriend is dealing with all of the same issues that you all are. I have actually loaned him money to do some of the work in his house, which had a fire and smoke damage, because Chase would not release his money. It has been so frustrating to me. How can a bank justify keeping someone's money that is so needed to do repairs? They actually said they were keeping his money until he had all of these particular documents in. But, he has done most of the work in the house and he is quite capable of finishing the house. He actually made the house look 90% better than it did before the fire. Just got an inspection and the inspector confirmed that the house is at 80% complete. Nice, right? Yea, for someone! But, now Chase has changed the rules and says that won't work. Really? I am waiting for the "just kidding" but I really don't think it is coming. WTF? I can say that I have learned a great deal through the process. For instance, it is important not to care about your house, just in case they take it. Another thing I learned like don't call the fire department and discreetly inform your neighbors not to. Another one is not to finance or refinance your mortgage with Chase. And, unfortunately, if they send you a halfway decent check to start, take a nice trip to somewhere you might want to live and put the rest back for your move there. Because, maybe, just maybe, if Chase gets enough houses with water damage, fire damage, tornado damage, etc. And they are the proud owners of all those destroyed homes, maybe we will have helped someone years from now get the money from good ole Chase to fix their house. I don't see it happening anytime soon but maybe after they own 10, 000 destroyed homes (ha, let them fix them) just maybe they will change the way they handle this situation.

Wow, Mr. “Nonewhatsoeveryou, ” you’re so clever. You think you’ve got all the answers to this issue that everyone ELSE seems to have. But, no, you really don’t have a clue.

I’ve got a fire rebuild contractor payment milestone coming up, and prepared my documentation package. Sent all documents, with notary seals as needed, along with everything that answers each of their questions (update on construction status). Delivered it via fax and overnight (for the original notary seal), so Chase had everything they requested. In my letter I detailed the payments already made, some with the advance Chase gave me, and $17, 000 of my cash advanced because the contract milestone was prior to the 50% inspection.

Chase called me this past Tuesday. I missed the call, returned it on Wednesday. Chase’s phones were down all day. Thursday I returned the call from the Chase Loss Drafts department and asked about the 50% inspection. They had not scheduled it yet. Chase had my letter three days earlier that requested the inspection and Chase ignored it. The rep said it take three business days to get a call back from the inspector (that’s three MORE business days at this point). I reminded the Chase rep that the payment requested was less than what they are holding, per the next contract milestone. Chase rep said she didn’t have any letter from me, and they’ll only release 50% of what’s left. Last letter to which I responded says nothing about amounts to be paid, and the Mortgagor’s Affidavit is asking ME what the draft amount should be. Do you see a pattern repeating here?

I also repeated my questions (that were in my letter) asking how to handle their request for a final lien waiver with the next payment since the contractor won’t be able to provide with a final payment, which won’t come until AFTER construction is complete and the insurance company releases the hold-back. Chase rep said that the additional funds must be deposited now before any more payments (like this next one) will be released. Duhh? I said that no, you can’t have those funds until after all work has been completed and inspected by the insurance company. The Chase rep then said that Chase will need a letter from the insurance company guaranteeing that Chase will be co-payee on all payments for repairs. I explained that I was currently in litigation with the insurance company and that you should already have that, since all structure repair payments (from the insurance company) include the loss payee (Chase). Had to put on my sunglasses for that one (deer in the headlights).

Obviously, no one can get a company like Chase do anything as promised, if they keep changing the rules. And the best part about this is the fact that everything Chase is doing with their customers to get loss drafts paid is entirely arbitrary. There is no contract or regulation that requires any of these routines through which we’re put, and the sad fact of the matter is that we have to do this because we simply have no choice.

When I sent the first insurance loss payment to Chase I was only told about the 50% inspection. When Chase Loss Drafts called a few months ago to get a status update, I was told that they were ready to release all of the funds they were holding, pending the 50% inspection. Chase asked me for the draft amount (on a notarized form), then refused to honor it (per last phone call). I recorded all my phone calls with Chase, so I’m absolutely certain of what I discussed and what I was told. My (extended) memory may be a little better than some people’s memory who post here, and in other forums about the same subject, but we all seem to be complaining about the same issues.

Now, do you REALLY have the answers, clever guy, or are you just another troll looking to stir up some excitement?

You guys: Its simple. They give you instructions on what needs to be done. They even have a website that spells out the procedures clearly and simply. The documents, & I learned the hard way, if they are not complete, ie no signature, or no notary stamp on a document that CLEARLY STATES that it is to be notarized, are rejected.

I was having a hard time with Chase after a fire loss until one of the customer service reps explained it this way: If you take the time to allow me to explain the procedures and timeframes for everything, you'll be educated, know what to expect, and be able to get this process completed with minimal delay. I listened. I followed instructions. The checks were for the amounts they told me, the lady also said that it takes about 5 days for the inspection, so call about a week ahead to HAVE IT SCHEDULED so I'm not sitting around waiting...I was proactive. By the way: once my claim was done, the interest that accrued on the funds came to me in the form of a check with notification that law mandates that ANY interest accrued on an insurance check must be returned to the customer. Why was it so easy for me? Did I just get lucky with the right person to explain everything?

Once again Chase loss draft dept. is a completely useless ... Now why do ya think that the man from allstate insurance has a printer in his house that spits out allstate checks... so he can give you one the very next day... perhaps they want their customers to be on the road to recovery right away... 3 weeks for Chase loss draft to come thru and still not a nickle... just got to talk to a lot of really incompetent people... so I had the contractor tear off the shingles so they can see that half the work is done... I called and told them it due to rain in 4 days so unless they want a bigger loss it would be a good time to take their thumbs out of their ### and get me some money... now would be a good time to move .. oh and it looks like chase will now be the new owners of a moldy soggy pile of junk... 79, 000 due on morgage chase has the insurance check for 36, 000 my guess here in north east ohio it wont take long to be a total loss..

I am in the same boat. I had an inspection, sent all the required documents in, endorsed the check. The bank said they would release 60% of the funds and direct deposit it into my account, then they said they could not direct deposit into the account. Then after over a week of processing they told me that they have mailed the check (which i still have not received) and it is only for 50%. When i pressed them on the fact that they said they would deposit it and it was supposed to be 60%, they told me it was policy and that they would never deposit it or release more then 50%. Then they asked me to reschedule another inspection, and i asked how i could have a 90% inspection when my contractor has seen 0% of the money! I had to give my contractor $500 of my own money because i felt so bad that he was already out of pocket $3500.00 and had not seen anything yet. This bank's practices are very unethical!

Chase is the worst ever! After battling my insurance company to get money to repair damage done by Hurricane Ike, Chase now is pulling it's loss prevention scam! I know they have an interest in the repairs getting done and me not pocketing the money. But I can not even start my repairs because they are holding whatever is over $20, 000.00 in escrow until an inspector verifies the work is being done. I CAN'T START THE WORK! The materials are over $20, 000.00!

This just wrong!

Thinking this is a class action lawsuit!

not getting my insurance claim money from chase when the job was complete and sighned the check and payed to over night it to you. not right at all. thats cash i spent out of pocket that didnt have and still have not recieved my money! whats the point of paying my insurance?

Excuse my spelling was writing and thinking way to fast

welcome to the new age... Mortgage companies have found another way to make our lives worst.. I had a claim but it was only for $30, 000.00. After reading some of the stories here there was no way i was endorsing MY money to the bank.. I got the repairs done and used some of my money as seed money. After the repairs were 95% done I called my insurance agent who verified the repairs were over 95% complete and then I approached the Chase. I was told if the repairs were 95% complete that I could get my checks endorsed at the branch once chase verified that as a fact. Well they sent out their inspector and he confirmed the repairs it took a week for the inspector to get his repert to them. Then i went to the brach to get my checks endorsed... only to be told that the branch didnt have the authority to sign for a check over $10, 000... so we had to send the checks to the main office and they would endorse them and send them bcak within 3 business days.. I will keep you posted.

This recently happened to my girlfriend with Chase. She was treated with the utmost disrespect from Chase. She has never had a late payment or an overdraft fee until this first emergency brought her to this point. They did not want to increase her credit, but Chase has no problem charging you the $38 over-draft fee. She has an almost perfect credit score. So, to the person who replied with a nasty, ' know-it-all' tone; get your facts straight first before you go mouthing off about bad credit scores. As for Chase, some changes 'must' be made within your Customer Service Department. Loyal customers of over many years should not be treated this way. Learn to offer more (as many other credit cards do) to their current customers.

You have bad credit. That means you are a risk. The company is completely in their rights to NOT increase your limit.

Your right is to cut up the card and try to find another one. Chances are with crappy credit, and witht he economy the way it is, that you will have a tough time finding someone else to extend credit to you.

How about repairing your credit isn;tead of feeling like the world is out to get you. Another option is to save your money and pay cash.

Sorry man, I know you want to be able to blow more cash, but just because you feel like you should be able to go deeper in debt and the company that does not want to lend you more credit does not mean they are a bad company, it means your credit sucks.

You screwed yourself, sorry but that’s the truth. If you knew that there were dings, dents and scratches on your car you should have just gotten them fix before you turned in your vehicle, as you so simply stated. If most of those scratches could have been “Buffed Out” you should have buffed it yourself. What did you expect to happen? You can’t be mad for how much someone else charges you for damage that you’ve done yourself, and yes, in 5 years, no matter how small, or clumsy a woman can be, plenty of damage can be done. I’m sure the vehicle was in better condition when you first leased it, then it was after you returned it. You say that you’re on your 5th leased vehicle, so you should know that the buy out for leases barley, if at all, consider the lease payments that you’ve made prior. I don’t understand the logic behind people who lease a vehicle for 5 years; you should have just purchased with a loan and saved your self the hassle, so then after it’s paid off you can sell it or trade it in for another. You shot yourself in the foot with that one. LASTLY—“READ YOUR CONTRACT & ASK THE DEALER QUESTIONS” this goes for you and all you other complainers out there, granted some of your complaint may be valid, hell nobody is perfect, but several of your complaints could have been easily avoided if you read you contract thoroughly, instead of being memorized and drooling over the fact that your getting a new car and you think its really cool, a common American flaw.