I have trying to get a Chase Mortgatge Modification since April of 2009. Every time I call I get transferred from department to department telling me I have to resubmit paperwork because it has expired or I didn't send in the appropriate documentation. I have completed the 4506T form at least six times now and submitted it and yet they still cannot help me figure out what I qualify for. The latest phone call representative I spoke with told me I was on a trial plan however, I have no documentation supporting such and she was unable to tell me what the payments were reduced to. These people give you the run around every time you call and it is ridiculous!! They claim they want to help however no one there is capable of answering any questions or to get you the help you need.
Chase is a terrible company to deal with. I have had my account for a few years, always made payments on time. Missed one payment by a day (I was in the labor ward with my wife!) and I got hit with 29.99% interest. I was told to make a few payments on time and my account would return to 'good standing'. They then closed my account due to 'an anomoly in my credit report'; can't find one anywhere in my totally clean credit reports with no negative feedback.
Every payment I make is just hitting the interest, I pay $200 and my balance goes down $47!!!
Chase is terrible, never get a credit card from them!
You get a different story from everyone you talk to, and nobody helps.
Chase Mortgage has been trying to close on my loan for over 15 days. Our original close date was Feb 1st, today is the 16th and they still haven't closed. They claim it is "processing time". I had to call them to remind them to submit emloyment verification to my employer. Instead of calling and asking me questions, they sat on the file until I contacted them to ask what the hold up was. They had a question about why a previous W-2 was under a different name other than my former employer and istead of asking, they decided to play PI. Turns out my former employer had outsourced their payroll, nothing that couldn't be explained in less than 5 minutes. They have given me 4 different closing dates that they could not meet.
I am outraged on how Chase is treating their customers. They have been frequently making harrassing phone calls morning, day, and night every single day since Dec.2009. I have tried talking to them, but they will not stop. It all started with that I received a letter from Chase in December letting me know that my (APR) was going up from 11.99% to a sky whopping 27.99% so I called them to give me an explanation as to why they had hired the (APR) when the agreement was that it would stay 11.99%., they just ignored it like nothing, so I went ahead and closed my account with them. And then to my surprise, the following month I received a billing statement that I had an amount due of $95, so I called them again and told them that I was only going to continue paying the minimum payment of $20 per month like I have always been doing, so they argued, and told me they were reporting me with a collection agency. I told them that If they continued harrassing me day aftter day, I was not gonna finish paying the credit card. But til this day, they put different representatives from their company to make harrassing phones calls every day. We are tired and hopefully they will go out of business for the way they treat their customers.
I was late on my payment (1/18/10) I made the payment extra $30.00 and the payment was noted on my account on 2/11/10 and few days later I woke up 2/15/2010 any found my car was gone I called the police and they informed me that they received a phone at 2:15am that my car was repo. I called chase and nobody was open to help me but then I receive a call from chase asking about my payment and I informed then that I made the payment and my account was noted and your repo my car anyways asn told me she could not help me and gave me another number to call. I called chase and been getting the runaround and transfer to 5 different 800 numbers for all of yesterday and all morning. I finally got a hold of kim [protected] at the philly office and was informed that I may not get my car back although i'm paid in full that I may be requested to pay the balance of my loan in full (in which I cannot afford to do). Plus I will have to pay the repo fee of $390.00 plus storage. She was very rude to me and told me not to call back today because it is a bank day and there is nobody there to decide if I will get my car back or not. I work very hard to make my payments on time and got messed up one time and they took my payment & car. I missed work today to get the problem resolve and to be told I my not get my car back. All my personal items are in the car and they will not tell me where my car is located to get my personal items that I need. I put all that money into my car not to get it repo prematurely. She also inform me that they can legally repo somebody car after 15 days of being late. Bascially told me it's my fault because I didn't call to tell them that I made a payment they claimed they left messages with my reference but all of them told me no such thing. I did receive a letter from chase after the fact they already got my payment & car. We had bad snow storm and mail was delay due to the state of emerency. We are not all deadbeats there are times when people do need a break once in awhile. Company have downsize and you get extra duties without the extra money so you do the best you can with the money you make. I always try to keep a roof over my head and a car. I only had to get another car because my1997 honda accord excellent shape got wreck by a drunk driver and I only got the blue book vaule for my car and it force me to get a car loan in which I haven't had one in over 12 years. Chase is very wrong to take my payement and my car and now for two days I cannot get nobody to help me get it back and to be told I might not get it back is very wrong. So I will call again tomorrow 2/16/10 to hear the decision they make on my account.
I am trying to find people that are getting screwed mistreated and lie to from Chase Auto Finance. I have made a petition you can sign it by going to the following link below. If you want to be included in the class action lawsuit against them. Something needs to be done to them for how they treat there customers how they operate etc. If you feel you have been mistreated by them please sign the petition. The more people the better http://www.ipetitions.com/petition/chaseautofinance/ Any questions please feel free to contact me at [protected]@gmail.com with the subject Chase Auto Finance Lawsuit.
We had got behind on our car payment and chase contacted us and they cut a deal w us and said our car could...
I had a WAMU credit card with a 9% interest rate. I never overdrew or missed a payment and always paid more than minimum. Chase took over and shot my interest rate from 9% to 20% in 2 months.
A new credit card law was just passed that they cannot report to credit report for 60 days nor charge you late fees for so long..This company is bad and theives. I do not like their practices which is why I never took out a card with Chase in the first place.
Due to the interest rate my monthly interest on my bill went from $5 a month to well over $20 JUST in interest. My monthly minimum went from $10 to $40. I had to quit paying them because of the spike and the economy. The day AFTER (1 day) they didn't get my payment they started calling me every 15 minutes demanding payment. They also added a late charge within less than a week (the law is 45-60 days). Within a month it had hit my credit report. (this is also illegal).
They were also harassing my family for payment on my behalf..We had to change our phone numbers just for a little peace. Not only would they call every 15 minutes they would call 7 days a week and they are NOT allowed to call you on Sunday.
This is how much they appreciate their loyal customers who pay monthly without fail..jacking up the rates. If I had wanted an account with Chase I would have applied for one. This is the reason I steered away from Chase to begin with. They break every law they can with accounts.
Someone should sue them and they should have to refund all the money they have cheated their customers out of.
We fell behind in our auto loan with Chase. We tried to file for the Hardship program and was not accepted. I wanted to sell the auto and was told that it was written off and we had the auto repossessed one year ago. We received No documents from Chase on the repossession. Just a bill for $6500 on a $7500 loan and blue book value of $6500-$7500. When I disputed the bill with Pa State I found out that Chase clamed the auto was damaged and there was missing for two months from the time it was repoed. I did a search and the auto went to auction a few times..todate the auto is still in our name and I beleive that it is NOT our auto that went to auction that the VIN was switched on a clunker! Our auto was Not damaged and in good condition. I was advised to sue! This is Fraud! from a bank that took a $25, 000.00 Bailout of OUR Tax money!
I have several accounts with Chase. I noticed one night I was going to be overdrawn on my checking account so I transferred funds from 2 savings accounts to cover it. Both transactions showed that they went thru that night. I checked my account again the next morning but only one transaction showed. The other was still pending and I had $105 in overdraft fees on my checking. I contacted the customer service center and they refused to refund the fees or give me a straight answer about why only one transaction was showing that morning when both had showed processed the night before. This isn't the first time their "creative bookkeeping" has caused me fees. I have already opted out of their "courtesy overdraft protection" so that any charges beyond what I had in the bank would be declined so I wouldn't occur any fees. Instead, they hold debit transactions so if you check your balance thru the ATM, you still show money in the account. You have to check your account online to see a true balance. This is the only bank I have ever used that posts debits before they post credits. I plan on moving my accounts to another bank, any bank, as soon as possible. Chase's "business practices" are nothing but flagrant thievery.
I had been a WAMU customer since 1997. I as were many was told that Chase would continue WAMU's practices until I learned the hard way differently. My first experience was unexpected NSF's showing up in my account. Come to find out... Chase employees out of the blue decided to place a hold on my payroll checks without letting me know. I always make my deposits at the ATM how would I have known? I have worked for my company for 10 years, never a problem. I understand in this economic climate how the banks could be nervous. However, the industry I work in is fortunately recession proof. So then I was told no overdraft protection. Great! With WAMU I had $1000.00 in overdraft protection. So I was encouraged to link my savings account to my checking for overdraft protection. Ok so I did. I then started seeing these credits every once in a while on my checking account. I thought, isn't this nice I wonder what rewards program I signed up for? Then one day I checked my savings statement, savings was almost depleted! The little credits I was seeing were transfers from my savings, however I wasn't overdrawn. Apparently they transfer and charge a fee of $10.00 on PENDING transactions!!! So I quickly canceled that! I played the float one weekend. I had several pending transactions on a Thursday of which my balance covered, these will usually clear by Monday night. I made a large purchase Sunday of which I did not have funds, I figured I would have until Wednesday night. I made a large deposit Tuesday morning and requested cash back and was told my account was negative and I could not have any cash.. ??? Come to find out the large purchase cleared on Monday night, ok I gambled and lost so 1 NSF fee right? Wrong!!! Contrary to what I was told before, (Checks clear in the order of when they are presented, *see first experience) Chases policy is to clear the highest dollar items first stacking them to the smallest dollar items. So they are intentionally setting up their customers for NSF fees!!! (I would say that is predatory) What a way to bite the hand that feeds you! When speaking with customer service and supervisors I mentioned that a law was past that banks can no longer exercise these types of predatory business practices. Their reply is after March 2010 some policies will change. (So if your a customer hold on to your seat till the ride is over !!!) In the conversations with Chase representatives I am continuously told I have the right to close my accounts. *(Bet that's good for business!) I am now shopping the market for a friendlier common sense bank or credit union. So let me sum this up by saying $500.00 in fees in the last few months! In the entire time I was with Bank United then WAMU I have not paid out half that amount in fees in a 12 year period. (Bet Chase is proud of that!) Didn't the government give WAMU to Chase? Shouldn't we as tax payers receive a little better treatment than - after $500.00 in fees to be told "close your account"? (Bet they didn't disclose this to the government either!)
I received a letter from Chase, so I called the number. I ended up speaking with Kathryn (a mortgage consultant - a sales woman). She convinced me to refinance and had me give her my credit card number to apply. The same day, I was charged $750.00 on my credit card. When I discovered that the information was not the same as the flyer I received, and I just did refinance last year, I called to cancel the application. I spoke to Kathryn and her supervisor Angie, both saying I could not change my mind and $750 was non-refundable. Then called numerous times and left messages, never heard back. I think that this is a bait. I am a Chase customer, that makes this worse.
Chase is running a refinance scam. They take your 750 dollar application fee, and in my case, lost all the paperwork, forcing me to get all the paperwork again, and I was borrowing 90, 000 against a co op worth 1.6 million and an extensive amount of liquid assets and after all of this I was denied, based on the tax return filed with my husband where he showed a loss. The refinancing would be in my name and the co op shares issued in my name. My monthly payments would be around 500 dollars. This is outrageous that I was denied.
I purchased a painting that was represented (with full knowledge of fraud by seller) as original and done by...
Woooowwww!!! Had a washington mutual account, and when we found out that they were "acquired" by chase, we asked around, and were told that even though chase was taking over, all of the privileges that we had with wamu would stay the same. Yeah right. Wamu used to have real overdraft protection, and would notify you days in advance for pending overdrafts so that you could deposit necessary funds into the account. Today, saturday the 6th, at 4:34 a. M. We received an e-mail from chase, saying that our account was overdrawn, so I headed over to the branch and deposited in a check that was more than sufficient to cover everything. I get to the bank, and there was a negative $397.00 in the account. Scratched my head, and asked what it was for, and they let me know that there was $99.00 in overdraft fees. Make a long story short, I came back home, saw when everything was sent, and called customer service (What an oxymoron) and let them know what transpired. The clerk stated that they would reverse the funds, cool, no problem. 15 minutes later, they has only credited $66.00 of the $99.00 that was taken out, so I called back. They stated that they should not have even given any of the money back, and that I was lucky to get what I got. They also stated that even if they thought that I was right, they only give $77.00 a month back in fees, even if it is their mess up. Told them if they do not give the remaining $33.00 back, that I would close the account, and they replied "do what you have to do" and that was a lead supervisor. Mind you, I have a cc account, checking account, savings account and a business checking account with this company, and they just lost a customer over a lousy $33.00 hmmpphhh, what nerve.
Chase has this rule that we don't have any say so on. If more than one check hits the bank on the same day, they clear the largest first. That means they can clear the big check and bounce many smaller ones. Ok, that is fine but then they purposely arrange them to make that senario happen. I recently had them list 2 small charges at Jack and the Box, and a store as pending for 2 days. The 3rd day a charge for gas was listed (ahead of the small checks). I had deposited cash to make sure the others cleard and my balance was still positive. Of course then they were able to charge me $140 is NSF fees. They won't do anything for you if you have had any NSF charges waived. I am curious to what their NSF revenues are annually. It must be HUGE! I know it doesn't cost them $35 to process a NSF.
Chase refused to cover its convenience check for $5k on an open 10.5k credit line and then notified it was closing account. Usual credit reasons. No history of late pays, etc. Great pay record history with Chase. I will bring suit for character defamation with my credit union. I have over $1 million in savings, plus $160k in w-2 annual income.
Back on July 21, 2009 my husband and I were offered a home mortgage modification loan through our mortgage...
I have a Chase Mastercard with partner Continental Airlines (One Pass). On the One Pass monthly statement, it encourages users to use certain web vendors to get extra mileage. For instance, it says to use Sears.com to get 5 miles for every $1 spent. I generally do not use Sears.com but figured I would do it with this card so I could get extra miles. I ordered an appliance (about $300) from Sears.com and should have gotten about 1500 miles. But in actuality, the product was not sent from Sears but instead from one of its "partners". The bill showed up on my Chase card as the "partner" and I was denied the 5 miles for each dollar... I was given only 1 mile per dollar. That is a scam. If Sears.com advertises a product and it is ordered on that site, then the billing should be correct and mileage credit should be given. I do not know (and frankly I do not care) whose fault this is... Sears, Chase or Continental... but some one should do the right thing and honor the promise and agreement that was made when they said use Sears.com and get 5 miles for every $1.
In June of 2006 I financed my home with Washington Mutual. That bank was taken over by Chase Bank. Chase took control of my mortgage. I was on an excelerated equity program. I had to change banks due to issues with my acct. I had to cancel the excelerated equity program for a time. I have had it since the beginning of my mortgage. Never late, ever until November of 2009 due to extreme illness.
I tried to remedy the late payment early in Dec. 09. Made a payment over the phone. Thought I was good to go. Days later I discovered the money was still in my acct. I called again and spoke to, what I have discovered is an outsourced CSR from another country who has no authority at all other than to take payments and tell you what you already know. The first one couldn't speak good English and the 2nd one was worse. She told me that the first payment was reversed for insufficient funds. I told her that was impossible and I could prove that I had never been overdrawn or had insufficient funds ever at my bank. She said okay and forwarded me to another CSR that put me through every identifying process, again, except asking for a blood draw. That one assured me no fees would incur due to it being a bank error in processing. She took another payment from me.
Days later I discovered that my payment still had not come out of my acct. I called and called and was hung up on, called again and got so frustrated I waited a day or so and called again to find one foreign CSR with the intelligence to research what happened. She too spoke broken English but was more efficient. The problem there is, she had no authority. She ended up breaking the Patriot Act giving me routing and acct numbers of the two customers who were hit with my payments. One bounced, the other cleared. Of course those two customers filed disputes, closed their accts. which is what I would have done.
Finally this CSR put me on hold and sent me to another, more English literate, CSR, who still had no power to do anything but apologize and get someone higher to help me. That supervisor, only after I said I didn't want to end up owing 3 payments at once due to bank error, had me make one payment to keep me from going into default. She told me to wait it out on another payment until this situation played itself out. I was told I would be notified, which didn't happen. I started to get worried so I wired another payment. I called Chase once again for probably the 20th time and the gentleman gave me the wrong city code, so I used the only one that Money Gram has for Chase Mortgage on their records. To date that payment isn't showing.
I called Chase 3 or 4 times again today and only get outsourced foreign CSRs and the last one had an attitude. Tried to blame me when the bank has already admitted their own error. I was told by one of the 20 I have spoken to that due to an escrow issue my payment is going up to over 80.00 more per month. To top that off, one American CSR had the nerve to tell me to wait and see because if the payment that cleared came from someone rich that they might not miss the money and I might not have to pay that payment. That is insane. No stays rich not keeping a close watch on their money. I told him that would devastate me if someone elses house payment came out of my account.
I still owe for this month because I was told to wait and I can't afford two payments at once. I would have had this remedied back in December if their people had keyed my acct number in correctly. I will another phone payment due to that happening twice in 5 days. I wired this payment and still it isn't showing. Someone help me. Too, I was promised no late fees would incur and that is a total lie. The thing is, I was given bad advice by a bank representative and those fees add up. I have not been notified of a correction and that is why I took it on myself to make another payment. They have already sent out a field inspector and this woman is more angry than ever. This bank is horrible. You can't get to anyone high enough to make a difference. You can't call and get results because you have outsourced people who are only there to say they are sorry and to collect a debt. This bank needs to revamp and have American based CSRs with some brains and authority to repair bank errors. I didn't finance with this bank. I financed with WAMU and though they messed up and had to sell out to Chase, they, at least had CSRs based in this country who could help you and would remedy their own errors.
I have never dealt with more unprofessional people in my life. I really need help here if anyone has information on how to get this fixed other than them taking extra money on top of my normal payments. Thank you.
Carol A Horton [protected]