In January 2011 I was the victim on an assault and ID theft.
Four hours after the assault began Chase Visa recognized recognize apparent fraudulent activity occurring on my account and froze it; but not until $4200 was stolen. The crooks then went into my pocket and attacked my AmEx in the amount of $4800.
The next morning I was notified of the damages and I advised them that it was all fraudulent. I was advised to wait until the charges cleared on my account to lodge a dispute. They cleared and I lodge a dispute and filed a criminal complaint with the police. Three weeks later, while doing my corporate expense report, I discovered the AmEx fraud and I filed a dispute with them.
In March I was advised by Chase Visa that my dispute was being denied. They stated that the dispute is being denied on the grounds that they have my signatures and that anybody can file a police report. With those statements they accused me of being a felon.
The signatures are forgeries and with their actions they are siding with the certified felon, according to Google, and against a long and honest business relationship.
AmEx, on the other hand, has recognize obvious fraudulent activity and has back charged $4800. They are also prosecuting the criminal merchant.
Why are there such different outcomes? Before Chase Visa starts accusing honest citizens of felonies they should look at their own actions. They are projecting their felonious activities on to individuals that don't have the financial resources to defend their reputations.
My positions has been and will always be that I will not pay for fraudulent charges on my visa card.
I retained an attorney that will assist me in any actions that Chase Visa initiates against me. My attorney states that with a $10, 000 retainer he will sue them for violating the Fair Credit Reporting Act. He also advised me that they have very deep pockets and that it difficult to prevail in such a dispute and that I would be liable for their court cost.
Banks steal from you. Bit by bit, in the sneakiest of ways, they take your money. Chase Bank, my current and soon to be former bank, is notorious for this. One disgusting and tiresome trick so many banks use, and Chase is no exception, is to rearrange the order of your transactions causing your account to become overdrawn, an action which consequently and subsequently incurs unexpected overdraft fees. This next act of deceit happened to me before but I let it slide because I couldn't quite put my finger on what was wrong. This time I paid closer attention to details and realized what the b*****ds did... I stayed at a hotel with my family. The total cost for our stay was $111.48. An extra $16.72 was added on to this total by the hotel to cover any extra expenses or charges. This brought the grand total of our hotel stay to $128.20. On our drive to this hotel, we stopped at Domino's Pizza. I put in an order and noticed the amount was less than I should be paying. The incorrect amount charged was $23.36. The friendly employee recalculated, voided out the $23.36 and charged me the correct amount of $29.88. Now fast forward, vacation is over, I go home, check my online statement and see that the charge of $128.20 from the hotel is there and BOTH Domino's transactions are there. All these debits are reflected in my 'available balance'. I called the hotel right away. They said the extra charge of $16.72 would 'drop off' my bank account in a couple of days. I called Domino's Pizza. They said the incorrect amount of $23.36 would drop off my account in a couple of days. Note, the total 'overcharge' of $40.08 had been included in my 'available balance'; had been deducted from my account. On the second day after our return, I saw that both charges had indeed 'dropped off', but my available balance was the same. The $40.08 was not reimbursed, not added back to my balance. $40.08 had been removed from my account balance. When the extra charges 'dropped off', the $40.08 was not reinstated, not returned. In other words, the b*****ds kept it! I called Chase right away, fuming. The woman I spoke to acted as if she had no idea what I was talking about and insulted my intelligence further by informing me that "...There are no extra charges. The correct charge is right there on your statement. There ARE no extra charges." Ugh!! I felt as if I were in an old TV episode of the Twilight Zone! I ended up hanging up on the woman out of sheer frustration!
I cannot WAIT to get as far away from Chase as I can. I'm headed to our local Credit Union. From what I understand, they, unlike banks, aren't disgustingly greedy and won't (knock on wood) steal my money!
Back in 2009 someone did Fraudulent ACH charges against my company for almost 70, 000.00 Because I did not make my complaint within 30 days, Chase refused to help me! I tried to speak to someone and no one would help!! I have tried to recover these monies that have hurt my business greatly!! Avoid Chase at all costs!!
chase bank offered me a loan modification after prequalifing me . after a year of sumitting and resumitteing form they said it was finally completed. my mortage went from 864.00 to 965.oo. the program offered by obama is called making my home affordable. i was divorce, invovled in a modification scam through another company, has a family member who has medical issues and i myself did for about 6 months. they have now resovled.
I received about 20 calls from "Chase Auto Loans" regarding an autoo loan by my former wife from whom I have...
Nicole Sapp of Chase Bank set a closing date of 4-3-11 for a home refinancing loan. My son took off work to...
Due to the rumors of financial crisis, we decided to make a nationwide survey. The information collected will...
run around for 6 monts with no end chase is playing games . I am tried of the run around stall tactics. they can have my home which was my american dream now turned into a nightmare. I don.t have time for this run around anymore. I have to get back to my happyness foe my family's sake. we will go rent and chase can have this house to sit around empty with all the others.
Chase is trying to collect on a 5 year old debt that I had with Washington Mutual. At the time, I was a...
Upon finding my checking balance lower than it should have been, I discovered that Equity Accelerator had...
I understand that I am on the loan to, but there is nothing I can do about it.
I am disabled and divorced as of 4/4/2010. I keep getting calls from Chase
Auto Finance wandering what I'm going to do about it. I tell them the same
thing each time. I have recieved Three (3) calls this Sunday morning 5/1/2011 about the loan from [protected]. The Judge gave her the car and
me the house. What can I do about this? I can understand during the week,
but on a Sunday?
I was very happy with WAMU, and when they were taken over by Chase Bank I hoped for the best. Haven't gotten it. Nothing but problems due to their incompetent computer systems, restrictive policies, and argumentative telephone Customer Support. Most recent event happened today, and I'm still steaming. While reconciling my savings account I found a $3.00 Extra Withdrawal Fee. I called Customer Support. They asked me to verify my address, and I gave it to them. They responded with "That is not correct". Long story short on THIS incompetence is I moved 9 months before and immediately changed my bank address online, and never had a problem with prior calls for support until now. It turned out the old address was still on file but had NO ACCOUNTS ASSIGNED TO IT, all 5 of my accounts were properly assigned to my current address BUT THE CUSTOMER SERVICE DATA WAS OUT OF DATE (even though there was no problem LAST MONTH when I called to have them correct yet another problem and the statement address was correct). Had to answer a bunch of security questions to verify my account. Forced them to DELETE the erroneous address. THEN we finally got to my problem. You're allowed 4 withdrawals before a fee is charged. I had one, but they pointed out 2 TRANSFERS TO CHECKING which are NOW considered to be "withdrawals" even though the money is still in the bank. I pointed out that was only 3 withdrawals. The rep said "but there's a more recent withdrawal". I pointed out that there was a withdrawal one day AFTER the statement period, therefore it should not be counted and, if it were, it would STILL BE within the 4 withdrawal limit. The rep begrudgingly reversed the bogus charge with a $3.00 credit. I pointed out to him that Chase has the most incompetent Information Technology department I've ever dealt with. I will be closing all 5 of my accounts at the earliest possible opportunity. THIS IS THE MOST INCOMPETENT BANK ON PLANET EARTH!!!
I fell behind on my mortgage, then I was accepted for a Federal Modification...2 times. I have been given the run around for over 2 years now. I made my 2 Federal Modification payments on time; all of a sudden Chase returned me checks. When I called them I was given a different answer every time I called, and I called at least 2 times a week. I was even told "Everything will be fine Jodi". Now they have again put me in foreclosure because of personal tax leins, these leins were on my record all along. I am working on them; they are personally attached to me, not my property. I am really really upset, can anyone offer me any help. I have improved my credit and have worked diligently to get rid of these personal tax leins. I am a wreck.
My loan was previously sereviced by Citi when I was granted a forbearance to skip one payment and repay a certain amount during the course of one year for damage due to hurricane Ike in 2009. Before I was able to repay Citi according to Forbeearance agreement, Chase began servicing my loan. Per agreement with Citi, I repaid a monthly additional amount along with my current payment during the course of one year. Chase put all the additional payments in a suspense fund and have since eaten away some of the additional payment for late charges and fees. According to agreement, we are not supposed to incur any late charges or adverse credit reports as a result of this forbearance as long as we comply with the agreement. After numerous phone calls, faxes, and letters, Chase has yet to credit our account for the repayment amount and has been accruing late charges and fees on the account. Chase has not recognized the forbearance even though they have copies of it sent from us. Because Chase has not recognized the forbearance, they applied the current payment to the skipped payment; thus, every payment after that for the last 2 yrs has been registering as late. Chase refuses to correct this error. We have spoken with people in numerous departments. It seems that the right hand does not know what the left hand is doing. However, Chase continues to be inundating us with harassing phone calls on a daily basis. Help us get out of this dilemma! Make Chase pay.
Since the later part of may, I have been trying to obtain an answer from the branch manager in a request to...
I recently put in a claim to Chase under the Chase Purchase Protection benefit. This was declined because I used a $25 gift card toward the purchase and Chase claims somewhere in its ridiculous fine print that the entire purchase charge needs to be covered by the credit card. I did not request full reimbursement, only the amount charged on the card. Nonetheless, they disqualified this benefit. Just another loophole. I have been a customer of Chase for over 30 years and apparently they would rather lose a valuable customer than cover a $200 claim. Shame Shame Shame!
On 18 Feb 2011, I received a call from a lady by the name of Leslie from the Kennesaw, Ga Chase Auto Finance...
Here is my general take on the "mortgage crisis" based on the experiences I have had with chase home finance and the obama "making home affordance" program (Hamp).
The obama "making home affordable" program (Hamp) has proven to me and millions of other people that the "mortgage crisis" is a result of a completely planned domino effect starting from "purposefully-created short-term lenders" who falsify information and trap people into agreeing to ridiculous mortgages or refinances. These short-term lenders then "pool" all of these fraudulent mortgages and sell them to another lender like bank of america or jp morgan chase for a huge profit, sometimes even the same day, and then they close their business. This new lender may then sell it to another lender for a huge profit. Who created the original short-term lenders? The big banks!! The whole things was a meticulously calculated plan which has been successfully carried out. The goal of the plan (Scam) is to foreclose on as many properties as possible and sell them for a huge profit. The obama "making home affordable" program (Hamp) was the final step in this scam. The big banks get billions and billions of dollars from the government supposedly to help the homeowners, most of whom were victims of the "fake" lenders between the years [protected]. The banks agree to modify these loans; however, they have no intention of ever modifying the loans. Their intention is to force the homeowner into foreclosure. They do this by approving your loan modification, lower your payments to 31% of your monthly income, have you make these payments for three or four months, then deny your permanent loan modification. The lender then claims that due to the fact you've only made partial payments for the past four months, you are now in default and must pay back the difference between the modified payment and the original payment in order to get out of default status. Plus, you must pay the entire mortgage due for the current month, so you end up getting a mortgage statement saying you must pay a ridiculous amount of money to get your account back in good standing. Plus, they have reported to the credit companies that you are four months late in your payments, lowing your credit score considerably and causing other problems for the homeowner. Not only that, but one of the terms of the obama "making home affordable" plan is that you must have the lender set up an escrow account for you. The mortgage company then pays your property taxes and homeowner’s insurance way before they are due (Sometimes before the homeowner even receives the bill). Now that you have been denied your loan modification, you must pay back all of this money to them (Which is then added to the previous ridiculous amount of money already due them). Also, they refuse to remove the escrow account from your mortgage loan after you've been denied modification, so now you must add estimated property tax amounts to your original monthly mortgage payment. The obama "making home affordable" plan not only doesn't make your home affordable, the end result is a higher mortgage payment than the original one... Forcing the homeowner into foreclosure. Thus the scam is complete.
But, they made two crucial mistakes which will be their downfall. When the initial scam lender sold a “pool” of mortgages to a big bank, they neglected to forward the original paperwork to the new lender. Some mortgages have been sold three and four times to different big banks. Not only does the current lender not have the original mortgage papers, it is not serving as a bank at all, but just as a collection agency and, therefore, has no legal rights to modify your loan at all. The second crucial mistake was, in order to save time, the initial lenders used a third-party entity called mers to temporarily hold title to the actual properties while they were being sold. Mers is an “entity” that uses an electronic database to record mortgage titles. Mers then failed to follow-up with title companies and never registered the new lender of any of the mortgages. Therefore, the title, deed of record and ownership of the mortgage on the property belongs to mers, and the only company legally permitted to foreclose on that property is mers. The current mortgage lender only holds ownership of your mortgage “loan.”
I called the york county, pa, recorder of deeds to find out who currently holds the title to my property. The answer - mers.
The attorney general, state’s attorney, state representative, etc… will not help at all. I have found a “mass joinder” lawsuit against jp morgan chase which has been filed in california (Mass joinder - plaintiff pays up front, usually $4, 000... Class action suit - attorney takes fee out of amount awarded) based on an original lawsuit filed against bank of america. Here are the case details. Please check it out. I'm not sure if this lawsuit is just another scam, and am still investigating.
Noriko belmont, et al v. Jp morgan chase, et al
Filed in the superior court for the state of california, county of los angeles
Case no.: bc455629
Date filed: march 22, 2011
Please check out the court's website and you'll see that it has actually been filed. Also check out these links for very important information.
I have had a mortgage with Chase for years. They have always been thieves and do not work with people in desparate situations. They were working with my husband and told him step by step what we needed to do to get our home mortgage interest rate reduced. He jumped hoops and after it was said and done they told him that now his credit score was to high and they could not do anything for him. They have our first mortgage at 8% and 2nd mortgage at 12% last time I checked. To depressing to continuing looking at something you have no control over. I think the second is even higher. Anyway, I am trying to find someone to give me advice on what to do because now my husband has lost his job and I am the only one employed. I contacted chase bank because we were 2 payments behind and told them I would have the payments to them within 1 week and they told me fine, they would do what they could to help me. I did as they told me and made a payment, they told me I had until the 6th of April to make the payment and I made 2 payments by the 5th. On the 2nd when a payment was made they rejected it. I contacted them and had to speak with 5 representatives, I think they just kept hanging up on me. I finally got someone to take the payment, it was taken out of my bank account, I called the next day and made a second payment, again taken out of my account and came home from work after both were taken saying that they "cancelled my payment and did not take and that if I try to make any other payments to them that they would just keep rejecting." Help!!! do you know anyone who can help. Chase is awful to deal with. I have spoken with countless reps and they keep saying sorry! I don't want a sorry I tell them I want a resolution. What do you recommend?
My husband and I are in our 60s, white caucasion, I lost my job in 2009 and our business due to the BP oils spill in 2010. We applied for a mod from Chase for our home in 2009 due to my job loss. We were denied and told that we made too much money. We used our life savings to keep our payments up-to-date until May 2010 when we were told by a Chase rep. that we should stop making payments as it will "push" Chase to help us. In August of 2010 when we were contacted by a Chase representative, Margo Mowers who is Hispanic. We thought that she was sent by an angel since she sounded so sincere and that she/Chase truly wanted to help us. We reapplied for the mod again. We filled out all of the excessive paperwork, submitted all of our personal information including SS #s, bank acct. #, 3 yr.s tax information, first born child, right arm, etc. We were told that this would take no more than 60 days for Chase to reply. We were relieved and thought that we were going to get the help that we so desperately needed to save our home. We have never been late on our payments, we had an excellent credit history, we designed and built our home ourselves by acting as the contractors and put our blood, sweat and tears into this home. It was our final home and we thought that this "help"would secure our future and our retirement in our soon to be "old age".
60 days after we applied, we heard nothing, we called Ms. Mowers, emailed her and sent letters. She did not return our calls, did not return or acknowledge our emails, did not respond to our letters, NOTHING. We did not hear from Chase after 60 days, 90 days or 120 days. In January 2011, Ms. Mowers sent us a letter and told us that the paperwork that we submitted, has expired due to the "overload of mod cases" and requested that we reapply for the fourth time! What happened? We were devastated, we had given up after no response from Chase or their so called representative. In December, we left our home in our children's hands to handle what ever may happen. We have moved to another state trying to find jobs. We felt that we were being held hostage by Chase. We also believe that the reason our application was allowed to expire was because we are of the wrong color and race. We are white, responsible and elderly. We were thrown to the back of the pack so that the young and people of the Hispanic and black race could be helped since they were among the majority that purchased homes that they could not afford. We are disgusted and penniless at this time in our lives. We have lost everything that we spent a lifetime trying to achieve. Our retirement has been dwindled trying to keep our home. Chase bank is one of the worst offender's, preying on people who have tried to do the right thing. Refusing to help those who do help themselves and granting reprieves to those who couldn't afford their homes in the first place. Chase bank should not be allowed to do business in this country as they are among the biggest offenders of defaulting on their multi-billion dollar loans, taking money from the taxpayers to bail themselves out, paying their execs. millions of dollars and screwing people like us. They are nothing but crooks. We are trying to contact Ms. Mowers, who has not returned our calls to date to apply for a short sale. NO RESPONSE WHATSOEVER! Chase can foreclose, ruin our credit, lives and take our future, what ever is left of it.But they can't get blood out of turnips! And we believe that we were discriminated against because of our race and age.