JPMorgan Chase
Reviews and Complaints

Chase charges me an annual fee every february. I had just called Chase on January 5th, 2011 attempting to close my account and the representative requested that I should call back when I really paid up my account. The payment for january was on th 17th. So I thought I should call on January 17th. But then on January 6th, I get a fraudulent transaction red flag on my email. I called back to Chase and told them that I have not used the Chase credit card since December 17th. I requested the Chase personell to cancel my account as some one has authorized an illegal charge on my account. So Chase representative states that if I cancel my acocunt now, they will report to the credit bureau that the account was cancelled due to dispute over unauthorized charges, which decreases my credit score. There is something very fishy...Chase representative may be selling my account info so that I would not cancel my account and that they may charge me $65 annual fee in february. Chase is forcing me to stay on their account until the fraudulent charge is resolved...and by their pace, they will charge me another annual fee of $65 on February. Chase is very malicious..if you do not want to do business with them, they will attempt to destroy your credit score. Beware

On October 10 as I was doing my online banking with Chase I noticed that a $0.00 amount was due. Again on the evening of October 12 I was verifying my account information and noticed a $39 late fee on still $0.00 minimun payment due. When I called to inquire how Chase could charge a $39 fee on $0.00 minimun payment due according to my most recent online Chase.com statement they insisted it was duty and responsibility to keep up my payments to avoid late fees. Again, I explained to them and also asked them to explain to me how Chase could charge $39 late fee on $0.00 minimun payment due? They gave me the continuous scripted explanation and their inability to waive the $39 late fee. When I asked to speak to a Supervisor the representative insisted no supervisor was available to take my call, and that I would recieve the same answer. As I then asked if the department was left to run amuk without Supervision she put me on hold and when returned said no supervisor was available. So, does anyone else know a good mathmatician to explain our government run banks the simple addition and subtraction tables to explain this one? Isnt this considered fraudulent activity?

We have been with Chase for a little over 2 years now and I must say they are terrrible! My husband was laid off last winter and after receiving multiple letters of "We want you to stay in your home" we call and were gladly put into their homeowners assistance program. Well that was the first mistake! We believed they truly wanted to help us but for the past YEAR, we have been trying to have our loan motified and have sent a thousand copies of all the "required income paystubs, bank statements...blah blah blah, and Chase has either lost them, or they have gone into the bazillion differenent departments they have and all the 95 people we have talked to over the year...NO ONE HAS A CLUE AND ALL THE STORIES ARE DIFFERENT oh and how many "lost drafts departments are there? One day we are approved for our new loan, the next time we are in forclosure, the next time we need to send them more paperwork, that mind you, we have already sent twice before... and as of today, our paperwork is more than 3 months old, so guess what...you guessed it, we have to resend everything again! We have asked to talk to the underwriter and were told "no that it is illegal". We have been transferred to multiple people in multiple departments and oh ya, the best thing about that is trying to talk to and explain to someone that DORS NOT EVEN SPEAK ENGLISH! Thats awesome! (just today talked with 9 different people, dropped transferred calls 4 different times and was on the phone for 1 1/2 hours and the last person was so rude and treated us like crap). So, needless to say this has been a very frustrating process and oh did I mention they sent one of our mortgage checks back to someone in W. Virginia with a letter saying they cannot accept a personal check on a forclosure.? It was not even the right people nor the correct loan number! OMG! Unbelievable! Good luck to the rest of you that have Chase, it's a FRICKIN NIGHTMARE!

I have the same problems with Chase

Hate to be the bearer of bad news but they have known about this mortgage fraud thing since 1998 and below is a link to the report. Now if something was going to be done, don't you think they would have done it by now? There is no plan on the govs part to do anything of benefit to the American Citizen. The only way we will get what we assume the gov is suppose to do for us is to do it our selves. They are government, they govern us, they take the role of being in charge when we are the one that were given that right, but we have given it up to be governed. Now the change must start with us, get out and take the action yourself, fight the bank yourself. No one cares more for your situation than you, so it is up to you to do your do diligence and fight back. More people need to kick the lawyers to the curb an show the court we are here and we are not going away. The law is the only thing we have to stand on so we better get to learning it if we want to take back what has been stolen from us. Start by learning how to take control of the judge and the court. jurisdictionary.com will help you learn how to take care of your own legal issues or make sure your lawyer is not screwing you. Learn how to file bar grievances when they don't fight for you, learn more about judicial misconduct when judges don't adhere to the rules. This is the only way to let them know we know and the gig is up. Now once you have decided to fight and take action I will be glad to help you with more information to help you fight just send me a message here and I will get back with you.

http://www.ftc.gov/os/1998/03/grass5.htm

Chase is a total scam ..they refuse our rights under Obama law...they insult our intelligence asking to resubmit the same papers initially submitted, ...their system is made to fail / deny your application...you cannot communicate with the person in charge ...they tell you they don't know who is working on your application!?...what recourse do we have against them?...how can we enforce the law against them?...please advice.

I was also the victim of the Chase refinancing fraud. They paid an idiot to down-grade my house after assuring me that they could get a HUD loan if I paid $750 down. I was trying to refinance to pay off Chase cards and they offered 1/2 point and lower closing than my bank. I was dealing with Jimmy Orama and Mechelle Leskin. They lost all my paperwork and I had to resubmit it then they insisted on a name change on my deed. They hired an unqualified appraiser whe took pictures of torn flooring in my utility room and said it was in the bathroom and insisted that my house had asbestos siding(it doesn't). She further stated that she was not qualified to appraise a historic property and wanted me to pay additional money for her girlfriend to appraise it. After not meeting three closing dates they told me my loan was rejected. They have not refunded my money and have told me that I will only get half of it back when they get around to sending an official rejection letter. Because they promised a HUD loan (and even the bad appraisal was less than the proposed refinance) I feel that they have used the federal government to defraud me. They have impacted my credit rating and now have raised interest rates on the Chase cards I have. I would like to be included in a Class Action suit and have saved all their e-mails and letters including the initial add. Who do I complain to? Ange Kahn

I currently live in Arizona and I have gone through hell with Chase Mortgage. I am going to send all my info to the State General Attorney. Someone needs to look at Chase's substandard business practices. Please include me in any class action suit anyone files.
This needs to stop, they are hurting many people.

Add me to your class action lawsuit against CHASE! I spent the months of May 2009 to October 2009 submitting my request for loan mod or refi with Chase...well after months of phone calls, and resending my bills and check stubs THREE TIMES I finally received a denial letter from them. I was floored!

My husband lost his job, I was the only source of income for 6 months until he found work. BUT he is making minimum wage in CA vs. the $20 per hour he made previously so our income has decreased, and we are about $100k underwater. We have used up savings, increased our credit card debt, and borrowed from family to make ends meet! Well I called chase to find out why we were denied and they said we had to many assets! So because we both owned our vehicles and about $2000 in the bank all of this put us over! They say we 'could' sell our vehicles and exhaust our savings so we dont need help!

So I asked about the refi option...we are at 6% and reducing it to the current market rate would definately reduce our payment. Well the bozo I spoke with said ..your loan does not qualify because you didnt obtain your loan through a BIG BANK' and went through a broker so we cant see what was used when you obtained the loan. Ok. So basically he said we were SOL. Well its only been 2 years since I bought my home, so I offered to do the foot work and get all the records from the broker myself...he said NO and pretty much ended my conversation with him. That was it all those months to be told no. Oh and he said 'well your current right now' OMG thats the point we are trying very hard to keep it that way BUT if it'll move things along I can change that!

So I called making home affordable and told them everything. They told me what I was told is not correct information we should qualify for a loan refi at least.

So Im in again, this time with their assistance. And here we go, round 2, sent another batch of the same documents I sent them in october-nothing has changed besides my debt...and they lose everything or never get it...And why do they always say well your current! isnt that a good thing? Why wouldnt the bank want to keep us that way?

Its a scam and they are simply blowing smoke. I feel the banks DO NOT want to refi anyone's loans and will intentionally give us the run around because the longer they hold out the more money they will get from you at the current terms!

Im thinking I may walk away...since its only been about two years, I wont loose a whole lot more AND in the long run I dont think my home will ever be where it was when we purchased it. My husband and I ARE responsible and did not expect for him to lose his job ...I would not buy a home I couldnt afford. We lost half of our income at no fault to anyone but the economy! So we are now the second wave of persons who may have to lose our homes! The first wave were irresponsible, or were taken advantage of by these greedy banks, and we are the reprecutions of it!

Add me to the list for class action. Started a refinance in May. Told all was going well, the rate was locked in, the house had been appraised (back in May), paperwork was good. Then they took 5 months to process the loan...so I had to resubmit all the paperwork...and get the house reappraised. Well, someone who obviously knows NOTHING about my area OR mid-century modern homes appraised my house for $135k LESS than the appraiser did 5 months earlier! And in spite of the fact he compared my home to others that were run down and 500 sq ft smaller than mine, Chase immediately denied the loan, no questions asked. What? I'm shocked, just completely shocked. And the real kicker is that that very same day that I got the denial...I got a mortgage statement from Chase (which is the same bank that I have my current mortgage with). UNBELIEVABLE. Any advice greatly appreciated. I'm in the process of writing a letter right now which I plan to send out to Chase and the government. I thought the bailout was meant to open up credit. I'm thinking it's going to Hampton's homes.

Hello! I cant agree more with these posts! I am SO FRUSTRATED! I have gotten NOWHERE with Chase after hundreds of pages of faxes and 6 months of phone tag! The military family above sounds exactly like me! Have you guys gotten anywhere with them yet? Please anyone respond!

Leslie, or anyone else, if you proceed with the class action, I would like to get info. We've been dealing with Chase since late March (when we called to refi because we were CURRENT, but struggling...my husband is in the military and was transfered from San Diego, CA to Jacksonville, FL (where because of BAH difference the income was cut back by $700 A MONTH! which would affect most ppls budgets!) We were told we were going to be put on a 3 month trial period...we have IN WRITING paperwork from them that the trial would cover April, May, June...Since then, they have extended the trial, to July and then August (at one point on of their reps ADMITTING on the phone that it had been a typo error or something that April was put on there, etc. Of course, they quickly sent back paperwork with the NEW dates for us to sign and agree to...) In the meantime, their COLLECTIONS department is harrassing us about our LATE PAYMENT, because we are sending less than the ORIGINAL Loan says we have to be paying, even though we are completely in compliance with the trial period for the home affordability plan thing they put us on for this refi thing. We called and were told that basically their department don't communicate and so regular cust serv and collections have no knowledge that we are on the Home Affordability Plan, that has a department of its own and that once we sign the new loan papers it will THEN be forwarded to the rest of the departments...but not to worry because when that happens everything will be erased from the credit report, etc. Then we called in Aug when we still had not received the loan papers, they claimed they had been having computer problems and should get them in Sep. Turns out that about 2 days ago we finally got something in the mail, stating that we are on the verge of being dropped from the plan because we have failed to send some documentation (which all listed are the ORIGINAL papers one must sent to even APPLY!)...We do have a SIGNED document about the trial period ending in August, so we're not sure how that would happen if we were missing any documents (which ofcourse we sent...it was required to start the trial period!). First of all, we called them to try to get HELP...at the time we were CURRENT, struggling to make it happen, but CURRENT and had NEVER been late on our mortgage...we are now considered to be LATE and DELINQUENT on our mortgage, which now has of course affected my husband's credit! (mortgage is in his name alone), we couldn't refi easily then other than throught the Home Affordability Plan because of course our house is WAY underwater! I read somewhere else last night about some banks basically doing this and "making" customers fall behind and become delinquent because they get larger bonus from the government because now they are "helping" a delinquent loan vs a current loan. I don't really know where to go from here, but I am stressed, upset (to say the least), etc. I've been dealing with medical issues and we thought his would help and not stress me out more and put more burdens on us. Now we are worried about whether or not we're gonna lose the house and what we are gonna do with the kids, etc. My husband has long hours in the NAVY (THANK GOD, he is not deployed at the time, that would have been a nightmare)...but the little bit of time we have together we spend trying to figure out this big mess... Anyone moving forward with this or doing anything please let me know, or if you have suggestions as to where we go from here... I DO NOT want to start this over again, which I have a feeling we would be doing by sending all that documentation over again...since it is the same stuff you need to send when you first "start" this process. The same stuff we sent in early April this year, and since then some of it has had to be sent again or even faxed! (I think they could also be losing out stuff!)

I originally applied for a refinance with Chase in April 2009. I have an excellent credit score and the down payment on the property was 20%. However, I live in one of the hardest hit states and the property lost value. The appraisal was ordered by Chase and it was much lower than expected. Chase told me they would not be able to refinance me or I would have to bring over $28000 to closing. This is for the Making Home Affordable refinance. I had a Certified Appraiser look at the appraisal and I was told the Appraisal needs to be submitted to the Board of Appraisals because of the obvious violations and errors. I was also told that had the appraisal been done correctly I would have received my refinance. 5 months later and after a letter to Corporate ...Chase sends another appraiser to my home. However, they are still giving me the run-around. Today they tried to pressure me to accept new loan terms that included 3 points to buy down my rate. The representative told me to take it or leave it. I am looking for people who have questionable experiences with Chase's refinancing department. I want to start a class-action lawsuit. I need as many people as possible to call attention to Chase's underhanded practices.

I dont' get it. I own my own company and if I tried this with my clients, I would lose them all. I had Chase on auto pay so that every month I would be sure to pay them and not get any of there late fees. I got charged a $25 late fee because my auto pay was under $1! Now with that being said, I have good credit, over 700. They jacked up my interested rate to 29.9% because of the $1. So, I have it down to $7K and I am patiently waiting for a small windfall so I can pay them off and never do business with Chase again, when suddenly my $255 is not enough. With no purchases on my card they said my payment was $280 with a lesser balance than previously. I called the poor excuse for customer service line and was told I would have to wait 10 minutes. OK, 10 minutes is not that long, but I was already annoyed. So, I tried to email their CS contact me and it would not go! Chase, if you are listening, there are enough of us who are pretty sick of you. I feel better now.

I also opened a credit card with Chase under the promo offer. I have never missed or been late on payments and have paid over the amount that was due each month. in my statement this month i was informed that my promo offer was canceled and i was now being charged an interest rate of 220% because of a late payment. I KNOW my payments were made on time, I BELIEVE the payment was held by Chase in order to justify their rate assault on me.

I plan on paying off this bill this month, along with the fraudulent interest, but if they do this to thousands of customers, just think of the profit they make.
DISGUSTING

Late 2009 and 2010, we fell behind on our payments due to the economy. My husband was laid off and went on unemployment. We struggled 7 months of paying our mortgage with EMC, putting food on the table and paying our water, edison, gas bills was not easy. Our family would help when they could. We went back and forth on trying to get a loan modification with EMC. It was always we need to update your information, sent it in every time. This was the first time my husband's been on unemployment. Long story short, our loan was transferred to CHASE. We were able to get on a trial base loan and EMC and CHASE were both dealing with the paper work. EMC said that they FEDEX our final paper work, but they didn't require a signature for them. EMC said they were going to do an investigation with FEDEX. They called a couple of days later and said that the drive dropped it off without a signature. The papers we've been waiting for, why didn't you require a signature? Now we have a hard denial on our file. I've been on the phone with CHASE every week reapplying, this is our 3rd time. It been 10 months of trial base payments and we haven't been late. I can't sleep worried about our home, I cry most nights thinking about this, its our first home. I don't want to lose it, we invested a lot in our home. I really WISH THAT UNITED STATES OF AMERICA (GOVERNMENT) WOULD STOP TALKING ABOUT THE THINGS THEY ARE GOING TO DO FOR THE AMERICAN FAMILIES (HOMEOWNERS) JUST DO IT, WE NEED HELP NOW, STOP THE BANKS, HELP HELP HELP US HOLD ON TO A PIECE OF THE AMERICAN DREAM. I need help on this matter, CHASE doesn't seem to want to help us, they tell us to do a repayment plan or a short sale. PLEASE HELP!

thedebt do nat belong to me and is afectting my credit...

I was charged two overdraft fees for one transaction.

I miss WaMu. Chase sucks period, ridiculous fees and no advance on checks. ;(

Imposing increases minimum due by 251% or alternately increasing interest rate by 226%

Applied for loan modification through Chase, a Fannie Mae loan, could
benefited from a lower interest rate. My offer came back with the same
high interest rate with the offer to lengthen my mortgage terms by more
than 20 years, 2031 to 2054. I declined this offer, would not be
helping me financially but causing me to pay more money of the life of
the loan. After declining offer after paying trail payments, Chase then
claimed that I was delinquent on my mortgage, not do to me missing
payments, but that the trial amount was lower than the regular payment.

The loan modification business is dead...well it really never existed. All mortgage service providers or banks are nothing more than giant collection agencies. They have always used the loan mod "mask" to trick home owners into the collection trap. Most people on't realize when they give up information over and over to the bank, they are disclosing a lot of information that can be used against them. The bank / collection agency will dissect that data and use it as leverage to collect money from you. You need to realize that all the Federal Government help is gone...they simply don't care any more...the foreclosure crisis is old news. My firm strips down the validity of the debt on multiple levels...which makes it impossible for the bank / collection agency to collect any more money or foreclose. Ultimately, this will starve out the bank / collection agency and force them into a deal. This strategy works...no smoke and mirrors...we have the proven modification stories to show ~ http://thefreshstartfirm.com/success-stories. NO OTHER IRM CAN SHOW THIS. Our fees are 65% less than all competitors and law firms. We have over 50 years combined industry experience & provide top notch customer service. Hiring us is to help you is the biggest no brainer of all time. Call 877.297.7011 for more information.

I am reaching out to see how many others are out there like me. To make a long story short - Chase approved us for a loan modification in October of 09. This trial modification reduced my payment until they can get me into a permanent situation. All along I was told as long as there is no significant change in your situation, I can't see why this couldn't get into a permanent situation. Well I found out yesterday that I have been denied, I am now 4 months behind and they are demanding that I pay that over a 6 month timeframe. When I was trying to get an answer as to why I was denied, I was told we didn't make enough money. The interesting thing is that in January, we were actually making MORE money then when they approved us for our temp mod. Question is, if I didn't make "enough money" then why would they approve me AT ALL? I feel like I have been taken for a ride and that Chase put us in a worse situation that is almost going to be impossible to come back from at this point. I am seriously considering a class action lawsuit, but have no idea where to begin and how many others are out there in my situations?!?!?!

MEDIA:
You have permission to publish the below article. You do not have my permission to publish my address or private information
May 13, 2010

Chase Home Lending Executive Office
3415 Vision Drive
Columbus, Ohio 43204

From: Michelle survivaltime@ymail.com
Glen Allen, Virginia 23059

Dear Chase Executives:

I have been on your Trial Loan Modification programs for over 12 months, patiently and committedly doing every requested step Chase asks me to perform towards receiving the Home Affordable Modification Program (HAMP) since applying on March 19, 2009 and received my first Trial Plan dated May 7, 2009.
I successfully entered and completed the trial period plans on the “Trial HAMP Agreement” dated May 2, 2009 and then you had me Agree to a 2nd Trial through the fall. I am sure you can understand that I am at wits-end with trying to finalize this “trial” to permanency – No one at Chase will tell me if I qualify for the final HAMP Loan but you keep my credit score down and keep accruing your arrearages each mont. Chase keeps telling me if I send in one more document, I will get the permanent loan. I keep sending in the documents in Good Faith and you, the Lender are not acting in Earnest or Good Faith because you are now precisely 9 months behind on providing me an answer one way or the other if I am accepted or denied to the permanent loan. You fail to communicate this at all and provide no explanation. You continue every 2—3 months to send me a “Request for 4506-T Form”, for which I have signed, faxed back and even Fed-Ex back to you in May 2009, August 2009, December 2009, January 2010, March 2010 and May 2010! Why is Chase sending this request out, almost at random?

I have met all of the qualifications for loan modification through HAMP. I am the owner-occupant of my home, the mortgage balance is below the limit, my original monthly mortgage exceed thirty-one percent of my income, I am not in foreclosure, I paid on-time and the correct amount through my Trial Programs, I had good credit prior to the Analyst directing me to “skip” a mortgage payment to qualify for Trial, I live in a stable community, I have certainly demonstrated financial hardship, and I have met the obligations of the trial periods. At this time there is no need for further delay in this process. I need final approval of permanent loan modification to continue to provide a home for myself and my two young children.
I know you are aware of the precarious position in which I find myself. Since the beginning of 2009, I have lost my employment and my marriage, and are now raising two young children when my husband moved to Maryland.
In summary, I have submitted requested documentation numerous times only to be told that I need to submit the same things yet again and again every 3 months in order to be considered for permanent loan modification.
Putting all of that aside, on May 7th and May 11, I submitted all of the requested documentation again through my attorney. I enclosed the two main things that Ms Reed in Executive Resolutions repeatedly stated was needed for me to finally receive my Permanent Loan Modification: A quit claim deed from my former spouse, which has been signed by him and recorded in the Clerk’s Office of the Clerk of the Circuit Court and the Child Support Consent Order, as Ms *** requested must be ‘signed by a Judge’ awarding me permanent child support in the amount of $2, 000.00 per month. To make matters worse, after I produced this document, then on May 7th, the Analyst stated that Child Support was NOT valid income for Permanent Loan Modification; As a single mom with a child under school age, I definitely feel discriminatedby her statements. I understand that according to SD 09-07, it must be considered as valid documentation of income. “Alimony, Separation Maintenance, and Child Support Income. Borrowers are not required to use alimony, separation maintenance or child support income to qualify for HAMP. However, if the borrower chooses to provide this income, it should be documented with (i) copies of the divorce decree, separation agreement or other legal written agreement filed with a court, or a court decree that provides for the payment of alimony or child support and states the amount of the award and the period of time over which it will be received, and (ii) evidence of receipt of payment, such as copies of the two most recent bank statements showing deposit amounts. “

Please understand that in essence, my life choices for the last 14 months have been predicated on Chase’ finalization of the permanent loan. I could have made the choice to sell my home on my own if last spring Chase had not “sold me” that through my hardship, I had a ‘better option’! Each phone interaction, Chase provided assistance on what to do next to lead me down the continued path of staying put with the belief the permanent Loan Modification would finally be coming based on the public-facing HAMP guidelines.

I understand you apply a NPV formula to each property to determine the Investor benefit of whether it is in your best interest to foreclosure or to provide a client with a Loan Modification. I was told, in writing and verbally, to have my estranged spouse sign off on a Quitclaim Deed and for me to also verify my income so to finally move into permanent status after 1 year of waiting. So, after months of effort, I finally got my estranged spouse to quit off the Deed, per Chase instructions on the permanency of the Loan Modification. Everything I do is towards this end.

As I understand the laws, if you fail to respond again within 30 days of my submission for permanent loan application you will have again been in violation of the requirement to inform me in writing if I was accepted into the permanent loan and if not, the reason code as to why. Confirmed at Chase’ receiving dock on May 10 by a Mr *** and confirmed on the phone by HOPE counselor and *** in Loss Mitigation, as Chase confirmed the following documentation for Review. Supplemental Directive 10-02 to HAMP requires lenders to respond to borrowers’ applications for loan modifications under the terms of the program in a timely manner. I have now been attempting to complete this process for over one year. I have now obtained the last requested documentation. It is imperative that my final application be promptly processed and forwarded to Fannie Mae for final approval. I am in exactly the situation of borrowers the HAMP program is intended to assist, and is unable to keep my home without the loan modification for which she has applied.
1. Signed authorization
2. Multiple copies of the previously submitted Borrower’s Assistance Form and supporting documentation.
3. Copy of the recorded quit claim deed, along with the recording receipt from Henrico County.
4. Copy of the Consent Order entered by the Juvenile and Domestic Relations General District Court for Henrico County, Virginia establishing the child support obligation owed.
5. Copy of determination of eligibility for unemployment benefits from the Virginia Employment Commission, showing monthly unemployment income 9 month period
6. Copies of tax returns for 2008 and 2009.
7. Copy of original Trial Plan agreements.
8. Copy of Virginia Unemployment Commission documentation on my unemployment income award letter, # of months available to me (over 9 months).
9. Copies of cashed child support checks.
10. Bank Statements.
11. Utility bill.
12. Name change form with legal documentation - was submitted in October.

Pleadingly,

Michelle survivaltime@ymail.com

Talisha Smith of Chase Home Lending lied and will be sued as pertains to discrimination on Loan Modifications by 3 separate homeowners in 3 states. Homeowners will prevail against long-term Chase employees trying to cover their butts and pushing folks into short sales on purpose through exploitation!

I have come aross a similar problem. I am only 1 day pass my grace period since I was out on vacation and forget to inform them to take out the $$. Now, I've called them several times, and I went through all those re-calling same as you did. They still wouldn't wave me on the penalty. I have to bear with them for 1.25% intrest rate for another 1 year. They are so bad! and their phone ppl are just dumb! I am going to close all of my account with chase now.

I TOTALLY agree with you CHASE is the WORST COMPANY EVER... we had a very similar situation happen to us . THEY HAVE THE MOST RUDEST PEOPLE WORKING FOR THEM...I HAVE KEPT ALL THERE MESSAGES THEY HAVE LEFT ON MY CELL PHONE.

Chase has foreclosed on the home next to mine. The grass is almost two feet high in places because they do not maintain the lawn. Chase takes no responsibility for maintaining homes that are in foreclosure. Their website boasts of their social responsibility, but, in reality, their practices only hurt neighborhoods.

Chase has had me in re-mod for 5 months now. I've been sending in my regular payment amount during this period. Now they are not accepting my electronic payments at all. TARP gave all of the banks their money and now they are doing everything to make sure you still lose your house.

Chase has charges on my mortgage coupon of $700 even though I have had this loan for many years. I have had nothing but trouble with this bank.
They were keeping all of my money that I paid over my principal and I designated on the check and in writing they were to apply the extra cash to principal but they refused.
They had me down for a late payment for six months and they had cashed the check. They knew they were paid. It took six reps to find out what was going on and then they did not refund any interest or apologize to me.
They bought my loan years ago and it has been a night mare. I hate this bank. I cannot believe anyone would use them for a checking account or any other business. Their reputation is getting so bad most people know to stay away. Banks are usually empty. They will be sorry. Just make sure you all spread the word because I do every day.

If everyone hates the bank so much, why not just pay off your mortgage, cut up your credit cards, and use cash for everything? Oh wait... you can't. Yet somehow the bad guys are the ones who loan the money to help you finance your lifestyle? No one twists your arm to open a mortgage or buy things on credit. Quit ### or quit borrowing. You can't have it both ways.

So instead of blaming the neighbors who couldn't pay their mortgage you blame the bank who foreclosed on the house? That makes absolutely no sense.

I went into an office just to make credit payment and a rep asked if I wanted to open a checking acct. I humored them and sat at the desk and let this rep give me the info on the accts. I laughed and said "NEVER! I hate chase!" They are thieves and as soon as Im done paying off this acct. I will NEVER EVERRRR put one foot thru these doors. It felt soooo good! Bank of America gave me a better rate. Only credit card I will carry. :)

Chase Mortgage is the worst company to deal with hands down. Every thing they do is rubbish, WAMU was so easy to make a payment, so effortless and the people were knowledgeable. After getting a refi last year (I had no idea who would pick up my mortgage) I even told the mortgage 3rd party that PLEASE no Chase!, but right at the table to sign on the dottedline, it was then revealed it was Chase again ;(((. I almost walked out even though I would save 5 years and $100 permonth~ 1.75% less on the mortgage. It has been a nightmare since then. The Phone pay system usually doesn't work (Wamu was 24/7 no hiccups ever in 8 years) so that means since they get MLK holiday off, I will be late (the first time in 10 yrs+). I will file a BBB complaint if they won't take the late charge off, I talked to 5 people today and all said that they cannot take my payment even if the phone pay doesn't work. The online system doesn't work right away it has to send two small payments to your bank 48-74 hrs., only then you can activate it. Really a poor company to deal with and I WOULD NEVER recommend this bank for anything even the most simple task, like a bank account. THEY ARE THE WORST _CONSUMER BEWARE!

A friend of mine had a mortgage with all her taxes included to avoid any unnecessary stresses...chase told her she was paying to much and offered her a loan a hundred buks cheaper...ten months later now she owes two thousand dollars bc they never paid her taxes then did pay them twice and now they want a lump sum which is what she never wanted to begin with...isn't this loan modification fraud?...telling her shed get cheaper payments with them and all along knowing they weren't including the taxes she wanted included...any lawyers out there that can help let us know...ridiculous...its laziness, and inconsistancy and no communication that causes this not banks.

On July 3rd I came home from vacation only to find in my mail a letter from chase stating that we were in foreclosure. Confused by this letter and a little amuzed since we had never made a late payment I called Chase and asked them what this was. I was told by the CS rep that I spoke with that this was done in error and that they already moved us out of foreclosure. This was only the beginning of our nightmare. Since then we have been denied a refinance through Chase because:... you guessed it. We have a foreclosure on record. We have corporate advance fees that have been piling up and whenever I make an overpayment on my account and request that it be put towards my principle it gets credited towards the corporate advance fees. I have filed not one but two complaints with the controller of the currency which we have not gotten settled to date and in the meantime they have sold my loan. All though I had an excellent credit history and never paid any late payments Chase has ruined my credit score. I can't even co sign college loans for my kids and no one there seems to be able to fix their errors. As for you Can't Stand Chase Customers - I can say No this is Chases fault. They already tried the blame on the investor (AKA Fannie Mae) I called Fannie Mae and was told that they only report what chase tells them. I spoke all the way up to level three inside Fannie Mae. So stop being such a corp guy and realize that Chase has issues and just maybe it is not the customer, but incompetence inside.

We also have the same exact problem with CHASE MORTGAGE. I applied over 2 months ago for a refinance on my mortgage. I have NEVER been late on a payment and my credit is excellent. We were quickle approved and they were quick to take the "application rip off fee of $395.00". After two months on what should have been a VERY SIMPLE refinance they have dithered around requesting this and telling me that they are reviewing our application for quality assurance. What a joke!
I have had numerous calls with Kemp Chindavong & Brian Gussler who have had no answers for us.
We have always paid our debts we are being penalized... this seems to be the way of our world now. Dont pay your bills and have bad credit and you will be handed whatever you want on a golden platter. I will keep you updated but at this point I believe I am being taken for a ride by Chase Mortgage

First off I do understand why chase is shutting down the wamu cards but what I dont understand is the stupid remarks by chase employees, like all the credit card companies are doing it. Wrong, not like chase. They can have my wamu card. Stupid remarks like my wife got when they canceled her card was short history. The dumb [censored]es. Of course it will be a short history with chase but not with wamu. Another reason they said it was canceled is low limit. She had a 5k limit. Also when they got wamu, they also got the contracts with it on balance transfers. They can not in no way shape or form based on the truth and lending raise, change or alter the interest rate, or min due or even the due date. What chase did in late 2017 and 2017 by adding a 10.00 charge to the payment on balance transfers was really stupid on their part. As for the employee that made a remark about being stupid. You and people like you are the reason I dont bank there.

WAMU - Washington Mutual offered the benefit of accessing our FICO score along with credit card management services at no charge when you were accepted for their credit card. Well, now that Chase has taken over WAMU Chase is not honoring that benefit and has taken away that access and services. It was a great way to manage finances and keep track of our FICO score.

I am really upset and when I called the main office of Chase, they only said they would pass the message on of my concern. It is really bad that a bank would take this service away when they could actually make more money by offering extra services.

Everyone who banks with this company should make a complaint to the bank and say they want this service back.

Chase resp are miss- leading trying to repo your home, by miss leading you with the wrong info. now they are foreclosing on my home..after months of miss-leading me with wrong info.

Since the switch from Wamu to chase I have had I believe 19 overdraw fees...that is because the transactions do not go in order, regardless of keying in your pin number which with wamu if you use your pin the money or transaction automatically debits your account. Now, Chase according to many of my emails from them transacts business in the order of the largest debit/credit to the smallest. I am so fed up. Also, there's no benefit to having direct deposit. At least with Wells Fargo they give you some options and w/other banks they give you some incentive but with Chase-NOTHING! I hate CHASE and cannot wait until I leave.

I've noticed some disappearing charges from my checking account, also. Admittedly I was hoping the mistake would be permanent! Chase has been so frustrating that I'll let them figure it out-- I'm not volunteering any information to them. I live in OR, by the way.

If you go to CreditKarma.com, you`ll be able to get your Transunion score for FREE. I hope you check back and seen this.

Zack C, Boston, MA

I totally agree with your feelings about Chase. They lowered the credit limit on my card by $5000.00! Guess what my debt/credit ratio looks like now! It would've been nice if they'd notified me, but I had to find out when I was checking my account online. No notification - no letter - no message online - nothing, zilch, nada...

And if you're in TX and recently had your WaMu checking/savings merged, WATCH YOUR ACCOUNT! I've been having debit postings that are incorrect and it takes their computerized system 4-5 days to correct the amounts. I've also had two debit posting which were correct and timely, but then disappeared from my account for another 4-5 days.

Amazing! A bank with billions of dollars and they can't get their friggin computer system to work accurately.

Don't bother calling Customer Service or going into your local branch. They're pathetic and no help at all.

I'm looking for another bank, too.

I recieved a letter today my card was cancelled due to non use, also a WaMu customer! Not sure how it's gonna affect my credit score ! I had 7, 000 limit with WaMu made all my payments with them on time. Didn't use the card for a while Chase bought them out. And know I feel like I'm gonna get the short end of the stick for being responsible and paying my bills on time and not living beyond my means. I think the attorney general should look in to this, or somebody!

I know of a company that can settle this debt down to about half of what you currently owe. Send me an email to debtrelief@rocketmail.com

I just published Chase's sustomer realtionship problems with their customers who had good credit but neverless had their cards cancelled. Im one of those good customers. I sent Chase a link to my blog and Im going to mass email it to everyone I can find with a email adress at chase.

Is there any possibility that all of us who got screwed by Chase when they took over our WaMu cards could file a classaction lawsuit?
My husband and I went through exactly the same thing as all the posters above. I paid before the payments were due and always paid double what the minimum payment was. We got 'the letter' saying they were closing our accounts from lack of use. I hadn't activated them because last fall scared the he! out of us and didn't want to accrue anymore credit card balance that had to be paid off. I have made no attempt to contact Chase as I figure it probably wouldn't do any good anyway; I'm rebelling against their criminal practices by paying just $1 over the minimum payment. I figure since they closed the cards the damage to my credit has already been done so paying just a dollar over minimum isn't going to cause any further damage, and I like the idea that it will take at least a couple of years for them to get their blood money -- meanwhile, they have to keep me on their books while making no profit off of me.
I guess the thing that bothers me the most is that crap on their website that says to call and make arrangements if you're having trouble making the payments -- we all know they lie, but this seems particularly cold and calculating to me especially since it was WE taxpayers that bailed THEM out last fall. I guess if you have the kind of money and power that Jamie Dimon has the customer really doesn't matter.

I received a letter from Chase closing one of my two WAMU cards based on "non-use". At the time I had two WAMU cards, one at 8% interest and one at 21%. I use the 8% and pay it a week ahead of time online. I had not charged on the 21% for a year. When they did this on their own it changed my credit usage from 22% to 70%, as the 21% card had a credit limit of $5000 and the 8% had a limit of $2500. As soon as that hit my credit file Chase then reviewed my credit report again (24 days after closing my high interest card) and sent me a letter to say that they were lowering my credit limit to my current balance, hell, now I have a 100% credit usage. My credit score went down from 718 to 681 when they closed the card and then to 640 when it showed a 100% usage. I was never late, always paid ahead, under my limit, and making a consumer decision to use the lower interest card, my reward for being a good WAMU customer, almost a 40 point drop. What happens next, all my accounts look at the drop in score and start changing my limits and interest rate. Thanks CHASE, in less than 60 days I have went from a Good to Excellent Credit rating to Fair to Poor, and all I had to do was make my payments on time. My last car loan was 5.99% in January, now the one last weekend due to my barely fair rating, 11.3%. Nice.

My husband and I just received the same letters stating that our chase cards were cancelled-we also were Wamu customers for a lot of years. We always paid way ahead of time, and always more than what was required-never late. Calling customer service was a nightmare-they go so far overboard to be unfriendly.unhelpful and negative-asking for a supervisor got me heavy sighs on the part of the person on line-the supervisor gave me the same general non information. he suggested I mail them a copy of my Experian report for review-what? they are a bank-they can pull my Experian report themselves-as they say that they have and got their information from in the first place. this is an obvious way for Chase to try to lower their debt portfolio by screwing their good customers. They do not care if it means we will have an unfair adverse "ding" on our overall credit rating-one that we all know we work hard to avoid. I hear a whole new meaning when I hear the chase commercials on tv now-Chase what matters-yeah right-I see that they are!
I intend to get to the bottom of this issue-there will have to be a disclosure by the reporting on Chase-something like-account was closed by issueing agency-they obviously took on way more that they could handle by bailing out Wamu- consumer credit rating not to be penalised for Chase greed and stupidity factor

Count me in with the same treatment. Heres a new twist. I tried to close my acount because of "the letter" and they put on a high pressure sales presentation to buy credit protection. I refused and the rep changed from very professional and well versed, to down right hateful. Advised me that my credit would be ruined.

I, too, received a cancellation letter with the same generic reasons you mentioned. I have NEVER been late on a payment and always paid well above the minimum payment due if not paid off in its entire. I am also a previous WaMu cardholder. I am furious that they would treat a good "customer" this way. I am curious as to those that they allowed to remain open and how those cardholders pay their accounts. Do they get hit with over-the-limit charges every month?, late payments?, in other words...are the ones they chose to retain those from whom they can milk extra money?
I am absolutely livid because I know that when a credit card is closed, it negatively impacts your credit score and I am in the process of purchasing a new home. I have written them a letter and informed them I would be filing a formal complaint with my Congressional representatives, both House and Senate (not that I really expect them to do anything about it), as well as the Consumer Protection Agency, Fair Credit Reporting agency, Better Business Bureau, and US Attorney general. I believe there must be some kind of recourse for the customer who has provided no default that would warrant account closure. It is time for the people of this country to take it back from the overwhelming corporate moguls that care nothing about what is right and just in America. There is much more to life than the ever-loving dollar! Integrity is one that I can think of right off the bat. I would also encourage you and everyone else who has been subjected to this warrantless account closure to notify the same. I have also advised them that I would email everyone I know (and I know many as I am a member of several professional organizations) and blog everywhere I can to put the word out that this company is NOT one with whom you want to do business.

At least I know I am not the only one that this has happened to...unfortunately.

I COMPLETELY AGREE!

I supposedly got a piece of snail mail delivered to me in August (even though I am enrolled in all paperless), and I 'missed' it. I was not aware that after being a loyal customer, not one late payment, and a supposed lifetime fixed interest rate of 8.99%, they had decided to change my APR to a variable rate of minimum of 13.99+% beginning in November 2009.

When I called to ask why and that I had received no notification for the change in terms, Mr. Gibson, a smug, pompous rep explains that "Chase is suffering in this poor economy and is no longer honoring any customers' fixed APR rates, no matter how good a customer..." Really? I also asked why I had received no notice to the change in terms, and he smugly answered that it was sent back in August via snail mail. I told him that I did not get it, and why was it not sent via email, like all of my correspondence was supposed to be sent?

He smugly explained that I could either close my account and pay off my balance at 8.99% or accept the new terms. I'm no dummy - I have a credit score of over 800 and a line of credit of over $20000 with Chase - I can't close it without doing significant damage to my credit history! I told him as rudely as he told me that I will be paying off my small balance, and when I do, never to do business with them again!

My husband and I are BOTH out of work right now. We are struggling to make ends meet to simply eat every day. And Chase, a huge corporation who just got a large bailout is 'struggling' and cannot help its customers? REALLY?

That very day, I transferred my balance to my Discover Card...within minutes they offered me 0% transfer balance AND they offered me a 3.9% APR on my card through July 2010. Discover is a company that truly cares about its customers, and in these tough uncertain times, it meant more than anyone could have imagined. They were willing to work with me and actually REDUCE my rate, rather than increase it at a time when it means most for money to stay in my pocket!

Chase is by far the WORST bank/organization I have ever dealt with, and I will never do business with them again! What a shame...

Chase in singularly the WORST BANK on the planet, bar none. I have had one of their cards for years. 6 mos. ago I got a notice saying they were raising my rate from 7.99% to 12.99%. Now I am not one to carry a balance, or at least much of one at all...but I have HIGH FICO score (over 800), never late, all that stuff. I called them, told them I was a long-time customer and they DID NOT CARE. Simply told me I can close the account if I want. Well I didn't, out of convenience sake and knowing that I carry so little balance I figued I'd close it on my terms. And I had another Chase card which I hadn't used in years so I called them to cancel it and they talked me out of it, suggesting I keep it. I said fine, why not. Then 3 mos. later I get another "love letter" from Chase. Guess what? THEY canceled that card for non-use! They do things strictly on their terms, with utter disregard for their customers. CHASE SUCKS. But what irks me is, when I go in person to pay my bill at a branch (yes I still do that, I prefer this that way I get a receipt showing time of payment) they ALWAYS ask me to sign up for another card, open an account, etc. Of course I lay the "why I hate Chase" story on them and they seem amazed. Sometimes they relent, other times I get challenged. I've had teller-types and bottom-feeding, blueshirt manager-types alike imply I must somehow be a credit risk or something, as if I'm lying. Go ahead say it, why don't I just close the account? As I said it was a convenience thing, all my auto-payments are set up for this card. So in part this is my fault, to be sure. I've been lazy about it. I'll cop to that. But CHASE STILL SUCKS. NOW yesterday I get another terms notice. It's going to a variable, currently over 15%. Now to be sure, I will never ever have a balance on that card nor will I do business with Chase. I would advise anyone considering doing business with Chase to think otherwise! Oh yeah I did get a Simmons card, the rate is great and customer service has been very good! I recommend Simmons. They are picky and selective, but if you can qualify I recommend looking into their cards. Yes Simmons customer service is in the US, Arkansas I think. Chase CS in my experience is in India, regardless of what lies are told by the [censored]s on the phone.

I know of a company that can settle this debt down to about half of what you currently owe. Send me an email to debtrelief@rocketmail.com

Chase raised our interest rate 11% at one time, and they claim that the payment was late. The payment was mailed 2 weeks before the due date (not just put in an envelope actually mailed). Then the refused to do anything about it, same as above customer service (or at least thats that they call them) speak VERY POOR english and are very rude.

American dollars weren't you given the money? I mean given the $27, 000? So I am guessing that when, whatever department received your Polish money, it was determined to be what? Counterfeit? Outdated? What was wrong with the money?

I have exchanged currency many times at my bank, which is Chase. With some currencies the teller checks a book which details what is valid and what is not. I've seen this book. I asked her how does one tell if foreign currency is indeed counterfeit? I mean these tellers must see lots of American cash so telling a counterfeit US bill should be easier then currency for Japan . She explained that the currency is sent to their foreign currency desk and if there are problems with the bills they take action from there.

So in your case, the teller exchanged the money and gave it to you. Then, it seems, it was found to be counterfeit. Not worth anything. So why should you not have to pay the bank back? You received US cash in exchange for worthless paper. Why do you think you deserve 27K free and clear because a US bank made an honest mistake in evaluating foreign currency? I am a little confused, but anxious to hear more about your experience since I travel a lot and sometimes don't exchange my money until I am back in the States.

Thanks in advance to your response.

Rowan.

Thanks!

I would contact Consumer Credit Commission in the state where you reside and file a formal complaInt. If you suffer damages ( higher interest rate on a mortgage) I would consult an attorney about filing legal action (suit) to recover losses.

THEREFORE,
NOT ONLY DO YOU CONTACT THE BBB, CANCEL ALL CARDS.

THE BEST PART IS YOU TELL A FRIEND. THEY TELL A FRIEND AND THE LIST GOES ON. ONE THING ABOUT BUSINESS, YOU HAVE TO SATISFY EVERY CUSTOMER! tick one off and your business will be history.

EXPLAIN THAT TO THE KIDS, GRANDCHILDREN AND THOSE WHO YOU HAVE LIED TO. I JUST LOVE THIS COMPLAINT BOARD!

Just Go to www.BlackListNow.com
fill out a simple form explain what happened.
YOU will be amazed how quickly the BlackListNow.com lawyers and media department will have your concerns resolved.
They do charge $5.00 -- If you want to share in the proceeds of the class action lawsuit.
Or you can make a FREE report and NOT share in the proceeds..