Dear chase card representative: On friday 02/08/08, I received my statement from chase. I had an...
Chase Home Finance agreed to modigy my mortgage and that it postponed the foreclosure and Trustee Sale. They confirmed this twice to me and four times to the Home Savers company that I hired to hel me. I saw the "stop sale" on their screen. They went ahead and sold it. My property has 180, 000 equity and they just took it from me.
Can anyone help me? Does anyone know the name of their Insurance Company?
After receiving my bill from Chase with a minimum payment due of $107.00 I immediately sent a check for $110.00. The company charged me $100.00 saying that was the amount I had paid. They admitted that the box did say $110.00, but claimed the written line did not. They were unable to substantiate this because they had made an electronic withdrawal and destroyed my original check. How convenient!
They then charged me a late fee for the supposed missing $7.00 in the amount of $39.00 and raised my interest rate significantly. They also reported a late payment to the credit bureau opening me up to rate hikes from other companies. They did remove their fees, but refused to correct the late payment record, which was of course the bigger issue.
We have spent the last few months dealing with the same issue: Chase shows us as being behind on a payment...
After accepting a new job I had to close my bank and move. I went in to the bank and made sure my balance wa...
I am a very responsible person with a good credit rating. Never in my life have I felt so unvalued as a customer, as I have in dealing with this bank. They are utterly ridiculous. They have claimed they did not get payments, or received them and posted to my account 1 hour past the due date. They are in essence scamming the consumer's, and we are helpless to do anything about it. I recently received a letter from them saying they closed an account of mine (which had been paid off and had a zero balance) because they claimed I had too much outstanding debt. Since when do we as consumers need to explain to a credit card company why we needed to make a purchase?
We all have choices. The only way we can fight back is to close their cards, and never use theirs again. That will be the ultimate message that we are the little people who pay their big salary's. It's no wonder they are able to buy out failing company's. We are footing the bill with the interest rate scams they are inflicting on us. This is an example of greed, and customer service at its worst. Not to mention, a credit card company who is taking advantage of the average consumer during hard economic times.
The bigger you are, the harder you fall.
I contacted them on why the principle paid each month was different. I called them when I received a late notice and saw that the principle was a certain amount. If you times it by the number of months is was about $1000 difference from what they are showing. I have a high risk loan and if I want to trade in the vehicle I owe way more than what it is worth. They shouldn't be able to do this. Giving people high risk loans does not help the person. If they can a lets say a $250 loan note giving them more in interest rate may make it $350+ note. What makes them think someone could afford that then? Yes I do not have the greatest credit history but I know I would have been able to make the payments easier with a lower interest rate. They do not want to give the little guy an opportunity to prove himself. They are just looking for $$$ and that is the bottom line.
My son is a freshman at college, and though we were willing to help pay for his expenses, he wanted to do this on his own. So he applied to three banks for loans: Wells Fargo, Chase, and JP Morgan Chase.
Wells Fargo declined his application without a cosigner. (They will soon be handling all my banking needs, by the way.)
The two Chase banks agreed to give him loans, although their website says "Private loans may require a borrower to have reasonably good credit, as well as have a co-signer in most circumstances, " and "a co-signer is typically necessary for undergraduate students to qualify." (It says basically the same thing at least three other times.) For some reason, my son was an exception to needing a cosigner. When I asked why, I was told that it was because he has good credit. My question now is: why, if he has good credit, was he given loans on these terms?
Here are the terms of one of the two (they are similar): he borrowed $16, 696.18 at 9.93% interest with an index of 5.00 and a margin of 5.50. Based on the total payment amount, his effective rate seems to be 18.9%. This loan is also variable, which--although I have been told this is the norm now--I still find appalling.
So near as I can tell here is what happened: My son walked into the bank (apparently with the word "sucker" stamped on his forehead), and sat in a chair, where one single bank representative assisted him in acquiring over $33, 000 in student loans over the phone. (So although these loans seem to be from two "different" banks, the person assisting him knew exactly how much he was taking out.)
Bottom line: my son, before even setting foot on campus, will owe over $120, 000 when he graduates. IF he doesn't take out any more loans. IF the interest rate doesn't go up. (Wanna take a bet on that one?)
My son is 19. Yes, he is a legal adult. Yes, these loans are legal. But when he walked into that bank, they took advantage of him in every possible way. A "reasonable" amount to take out for a student loan is $5, 000. (They actually TOLD me that at the bank the first time we went in.) But there is nothing "reasonable" about these loans. I don't know how they could have made them any worse.
My son will have to be accountable for being stupid. I'm not letting him off the hook. But I want to know if I have any recourse to holding the bank accountable for being UNETHICAL. Just because this was "legal" doesn't mean I intend to let them off the hook, either. Any suggestions?
I am a former employee of Chase Auto Finance Roseville, CA. I my employment was terminated for not participating in Chase Roseville's illegal collection practices (among other things, such as standing up for myself while working in a hostile work environment, retailiated against, discriminated against... etc... ).
I have retained an attorney who has been in contact with Chase's attorneys and Chase is emphatically denying that they have any illegeal tatics that have have come out of this office.
I am wondering if anyone has dealt with this office and can be of some assistance to my attorney and me.
Please contact me if you have ANY information at all regarding Chase Auto Finance, Roseville CA
On july 11, 2008 I applied for a chase private student loan and was approved. I faxed them all my documents (Proof id, proof of enrollment, and loans docs) by monday, july 14. I thought all was fine until eight business days later when they told me my drivers license was unclear and I would have to refax it again.
I refaxed my license and it took them yet another eight business days to receive the copy and to tell me it was unclear. I offer going to a local chase branch and submitting it that way, only to be scoffed at and told that was absolutely impossible. Not to mention every time I called I was on hold for no less than 1 hour only to speak with less than nice customer service.
Anyways, fast forward to sunday august 23, 2008, merely days before I move in to college. I call chase, on hold for only 40 minutes this time, to find out when my check would be mailed out. I spoke with a rather kind man who informed me the loan was in dispersal status and the check had been printed, enveloped, stamped, and would be in monday's mail via usps.
So the waiting game then began, thursday came, I moved in to school. Then labor day and the beginning of september still with no check. I gave them the benefit of the doubt (Slow mail/holiday weekend etc...). I again tried calling but I just didn't have half a day to clear out in my schedule to hold for chase bank.
Friday september 5th was my breaking point. I called chase to check the status of my loan check, only to be told that my loan was canceled by my cosigner... Hmmm wait a minute... I don't have a cosigner. A few minutes of a very upset me trying to keep my cool the woman whom I was speaking with discovered that my loan had accidentally been canceled by the person whom I spoke with on august 23rd. 50/50 shot I would be able to get it reinstated. Yup, 50/50 to quote the supervisor I ripped a new * "if you had realized our error two or three days after it happened we would be able to fix it"
After about a week of constant blunt phone calls to the incompetent buffons at chase, several calls pleading to the office of student accounts begging to extend the tuition deadline, the great people at the new jersey banking commission and the new jersey department of consumer affairs helped straighten everything out in a weeks time.
Chase left me in a hopeless state, canceling my loan by mistake and clearly not wanting to fix it. They have no accountability and simply did not care. To them I was nothing more than another poor 18 year old kid without parents that can pay for college in need of a loan. They pushed me around, they were rude, they didn't want to work to fix their error that nearly cost me an entire year of college.
Do not go through chase. They simply don't give a rat's * about you and won't want to help you. Their ungodly slow and completely incompetent when it comes to anything that may take a few seconds of thinking.
I would like to find an attorney that would be willing to file a class action lawsuit against chase bank and...
So my fiance and I fell 45 days behind on our car payment. The gentleman at the local office made arrangements with us and we were able to stop the repo. We let him know our next payments would be Sept 16 and Sept 23 due to the prev checks going towards rent. He said that would be okay, we just had to stick to it. These people love calling your references. They have called my mom, who has nothing to do with my finances, stating they could not reach us. They never call me. And my fiance is at work all day, he can't answer the phone. Today they called my fiance's dad, stating they needed to speak to us or our attorney? Excuse me? 1. We made arrangements. 2. Our payment is only 3 days past due. 3. Shouldn't you call US BEFORE YOU CALL OUR FAMILY!!!?? I can't stand these people. They are the worst creditor I have EVER had to deal with.
I am a case manager who works with the disabled. My client is receiving disability, which is to be deposited in his account at Chase Manhattan. Social Security issued the check to my client's account, but it is not showing up in his account. We attempted to get help from customer service. They were very unfriendly, and definitely not helpful. They actually ended up hanging up on us, despite the fact that we were very police and courteous. My client now has no money to pay his bills for the month, and we are getting no help from the bank at all. I personally would never consider utilizing this bank because of my poor experiences with them.
Here is the direct line to Chase General Council - These people are inhuman ###! Boycott Chase!! They ripped me off for 1000's. I had to hire and attorney, then they beat him down with threats.
eMail; lee.k.deutsch AT chase.com. TEL; [protected], FAX; [protected].
My son's college stopped using sallie mae and went to usingcitibank and chase bank (jp morgan chase) for all...
After receiving last month's credit card statement, I noticed that there were fraudulent charges on my...
On July 11, 2008 I called Chase and asked how much I needed to pay my card off, and close my account since I...
Chase is a rip off. I paid my chase bill online on a sunday afternoon. For some reason, I could not submit the payment on the due date (which is the actual date I was making the payment). There system would only let me submit my payment for the following date, which would make my payment late. I later found out chase has a deadline for payments which is 4:00pm. I made my payment at 5:23pm. No big deal, I thought I 'll call and explain and they will erase the late fee. They have to I said, it was only a hour and 23 minutes "so called" late. Boy was I mistaken, not only would they not take off the charge. The manager on duty, mr. Micheal monroe - if that's his real name. Proceeded to tell me, (In short) that because I did'nt spend alot of money I could not be considered. Well dang, I did'nt know that when they came after me to open up an account that they saw me as invaluable. After speaking to three reps. My account was charged the $39.00 late fee and my account was closed. Boy, not only did he tell me I was of no value to the company, he showed me as well. Well, my eyes are open. The 4:00 dealine is just another way to tack on uneccesary fees, so that you stay in bondage and they can stay ridiculously profitable. I plan to go after chase like truth goes after the the major cigarette companies. I plan on calling again tomorrow and speak with a mr. Marc schlesinger. We will see what happens. I'll keep you posted.
I have a Chase credit card. They sent me mail touting the benefits of a paperless account. I went to their web site to register. I read the terms and conditions and declined because they required arbitration for any dispute. I soon began to get spam mail from their partners so I sent a email to the person who sent me a welcome-to-their-website email. I stated unequivocally that I had declined the terms and did not want access to their site. I also demanded that they contact every one of their partners and ensure that my name was removed from their mailing list. The mail eventually trickled off but when I charged an item on my Chase card, the bill went to the web site instead of being mailed. It was the first charge I had made in two years. Naturally, I didn't pay it, having never seen it. By chance, a clerk offered me 20% off a purchase for signing up for a credit card. I accepted but the application was rejected. zA check of my credit report revealed that Chase had been charging me late fees for six months on top of the original charge. I called Chase and had a heated discussion with a woman who said they were only authorized to 'forgive' three months of late fees. I asked her to get me someone who could rescind ALL the late fees and she asked who I think that might be. Smart ###, she was. I simply replied that she should find me someone in her organization who is in a position to hire and fire. That's the person I want to talk to. She switched me to another state and the person I spoke agreed to rescind the charges and I agreed to pay for the original charge. I payed over the phone and then filed a dispute with the credit bureau. I am contemplating legal action for the unauthorized switching of my account. Once I get a legal opinion from an attorney, I will decide what approach to take. I am looking for Chase to answer my dispute with a negative reply. That should give me some ammo to tear them a new one.
I was going to open an account in this bank. I was invited to talk by Abbas. I asked him to tell me about my...