Starting September 2006 Chase Home Finance started cashing checks as both ACH and paper check. The have been cashing multiple checks multiple times, but will only give me credit for each check number once. They have taken 190 payments (that me and my bank have located) without crediting my mortgage account by processing PHOTOSTATS that they have generated to take extra amounts from my checking account. They have also taken some checks as both a paper document AND electronically. I have filed numerous complaints including giving them BANK COPIES of the checks and bank statements, but Chase has insisted that my bank statements must include the reversals (which there are none) or they are not my real bank statements. After taking 190 extra payments for a ttoal of $169, 742.20 of uncredited payments taken from me. They have me in the foreclosure process. At mybank's suggestion, I started paying my mortgage payments with Official Bank Checks...most of those originals Chase has returned as copies, some multpile times. In some cases I have the original check, but the bank check has been cashed AND NOT CREDITED. TWELVE of these bank checks are still outsstanding and going back and forth in the mail as Chase states that I am seven payments behind, and have thus demanded over $134, 000 to reinstate my mortgage. I have already paid $169, 742.20 of uncredited payments, thus Chase OWES ME SIGNIFICANT MONEY FOR THEIR ERROR, but the forced foreclosure (for my overpayment by Chase theft and illegal banking activity) continues. I have explained this problem to over two dozen lawyers, but they have told me that no bank would do that many illegal banking transactions and violate that many laws, but that is my reality.
I received a gift card as a rebate from cooper tires via chase bank. I received it in dec. It stated that after 3 months the card would be charged a service fee (Which in ma where I bought the product with rebate and in ri where I live is illegal by state laws that say gift cards can't carry monthly fees. ) I argued with chase or at least their "customer support" people from india about the charge, stating that it should not be on my card as I only had it for 1 1/2 months. They stated the card was issues in oct, although as with many rebates, it took time to get to me. Finally based on the fact that I argued that I should not be responsible for slow mail delivery and if it has a fee it should be 3 months from activation they finally called me (At 5:00 am - yes 5:00am) and said they would give it back.
2+ weeks and more emails and phone calls and its not been reimbursed and I can see they are simply waiting until 3/1 so they can charge me another 3.95. They are the worst customer service people and company i've ever dealt with.
We had a home loan with WaMu for almost five years, until WaMu went under and was overtaken by Chase. We received a letter from Chase in regards to changes in terms on our ARM home loan that was just downright unsettling. Phrases like "no cap on monthly payment" were used and having heard of so many bad practices from Chase recently (and experiencing problems with a Chase credit card) I was very concerned about what they were intending to do - legal or not.
I attempted to call the Customer Service number provided on the letter, only to reach a never ending que of pushing numbers, none ever leading to my query. I hung up, called back and tried a procedure my teenage son has suggested - randomly pushing keys on the phone pad until I get an operator, which worked! I was transferred to a call center where the person answering kept repeating "Hello, this is Tony. How may I help you?" It sounded automated and after saying this three times, and me trying to answer, the voice said "I cannot hear you and will hang up now." Frustrated, I decided to turn to email.
I have contacted Chase three times via email, first two requests never being acknowledged and the third being answered with a statement to the effect that due to high volumes of email requests, they are unable to answer our questions at this time. No alternative for obtaining information is offered and no timeline for when they might be able to answer our questions is offered. This left me no option but calling the 800 number again. I actually found this site in an effort to locate an alternative phone number for calling into Chase!
So, my phone call today consisted of nearly two hours of my time. The first two customer service reps I go spoke such poor English, I hung up and called back. The third person I got was obviously giving erroneous information and as I pointed out that this could not possibly be correct, he became agitated, though I could only hear this in his tone, not his words. When I insisted on speaking to a supervisor, I was put on hold for 15 minutes - no music and at no time did he come back to say he was working on the issue. At long last, he got back on line and said his escalation person (new phrase for supervisor) was unavailable but had confirmed my understanding of the terms of the loan were correct. When I pressed him to acknowledge his mistake and lack of knowledge, he would only say he apologized for any misunderstanding I had of what he was explaining to me! Utter rubbish, he knew he was wrong, but refused to say so.
I was not confident with additional information he gave me and when I asked him to look up the actual loan documents that were assumed from my loan with WaMu, he said he was not able to do this. So I called back a third time.
On the third call, I got a woman and told her immediately that if I were put on hold, I wanted her to come back and check in with me periodically. I told her I did NOT want to be disconnected for any reason and that I wanted all of my questions answered, even if meant waiting on hold for a supervisor. She was very polite, used a hold button with music (which I must say was blaring loud but at least confirmed I was still on hold) and actually looked up my loan documents per my request.
Upon finding them, I was told I would be charged $10 per page for the copies to be mailed to me and I declined, asking her to verify certain pieces of information from the documents (which I already had and knew exactly what I wanted to confirm). She did this, I was correct in what the terms are, if Chase is going to try to institute other terms I will contact a lawyer. I suspect they just have very untrained people manning their customer service lines and it took me a total of seven attempts to finally get someone that could answer my questions.
What I have learned that might help other Chase customers:
1) to get to a live operator, push multiple buttons on your phone while listening for the moment when your call is being transferred
2) tell the rep up front that you do not want to be on hold indefinitely and that you want them to confirm periodically they are working on your call if you are put on hold - this seems to speed up the process
3) if you need information you do not feel like you are receiving, keep calling back because I believe they have some way of tracking the number of times there has been an inquiry and they will ultimately be forced to address your issues/questions
4) If given questionable answers/info, call back and keep calling until you get a rep you can understand. I am all for integration and humanity being one, but I should not have to try to speak to someone who has such a thick accent we are unable to communicate about something as important as my home loan. I miss WaMu.
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.