Chase Bank Complaints Continued... (Page 3)

I have been a chase member ever since I was born. The fact that you are making chase inexcessable to windows phones really irks me. You are really giving in to the man, and frankly that sucks.

My husband and I bought a home in north Carolina, the loan was in my husbands name as he didn't need me to qualify because I was unemployed and a care giver for my mother. We always made our payments on time and in fact we usually paid a month in advance. My husband died and I notified the mortgage dept but they would not talk to me or give me any information because I was not on the loan. I sent 4 death certificates, sent many letters trying to get them to help me but they refused to talk to me for confidentiality reasons. I faxed the death certificate and mailed the other copies to multipal depts. but they still would not respond. At that time Chase offered financial assistance and sent an application addressed to my deceased husband. They would not accept it from, still because I was not on the loan. I was so frustrated and angry because NONE of the parties answering the phone would forward me to a manager or supervisor. It was a slam dunk, you are not on the loan, we won't give you any information. The idiots were not able to figure out that talking to my husband was impossible and offered no help what so ever. In the meantime I had the house listed with a realtor who had a potential buyer and chase foreclosed on my house.

In the state of north Carolina if a spouse dies it automatically goes to the survivor and I was on the deed and they still would not talk to me. They had a "canned" rehearsed statement about the privacy act which in my case was carried way to far. It was my retirement money that was applied to the loan and we paid on the house for 7 years so I lossed all of my money in addition to the years of payments. Six months after my husband died I was hospitalized and was sick for 2 yrs and I gave up and never received any money from the sale of the house.

Chase is very unprofessional, lacks common sense and as far as I'm concerned failed to do their duty in assisting me. Yesterday I was in a chase branch and told the employee what happened and he made a stupid comment that maybe my husband didn't want me to have the house. That was the ultimate insult. I hate Chase and I'm glad they got sued for illegal foreclosures and hope they that continue.

When did people start loosing "common sense"?

I went in to my chase branch in Clinton Township, MI and made two deposits. They were small deposits that totalled no more than thirty dollars. I knew that i had paid a bill for twenty seven dollars and some change. I had a little over seventeen dollars left in my checking account. The personal banker was using a teller's computer but he kept going to the back into another room. I asked him why did he keep going into the back especially after I gave him money.

He said the computer wasn't operative and that it wasn't his. The teller that used that computer was on lunch I assumed. I have seen her many times and I have even went to her before. I felt something was wrong but I went to this personal banker before because he straightened out a NSF check a month ago where I did not receive a below deposit alert. I did not receive a below deposit alert this time either. These alerts are to alarm you when your balance is low. I am suppose to get alerts when my balance is below fifty dollars. I even changed my alert to checking account not getting below one hundred dollars.

This personal banker printed me out a receipt that said bank inquiry. It looks just like a deposit receipt. How clever was that on his part. I received one just a month ago and did not look at it until this problem occurred. This is a trick and or scam that is new to me. I want to alert all customers and remind them to look at their receipts before leaving the bank. There is no transactions on the books because it is as if I did not deposit any money at all.

My proof is that I have the inquiry receipt and I had a inquiry paper printed for my records. Even the printed inquiry receipt has another tellers name on it. The teller who uses that computer was the name that was on the inquiry receipt and paper. This is a sure way to steal money from your bank without the bank ever knowing it was you or seeing anykind of fraud. Banks beware.

Several years ago, we received a check which we deposited into our agency's corporate account at the Chase Bank on 63rd and Western. We did not know that the check was fraudulent. We were told by the bank that the check had to be referred to the Maker. Chase Bank normally clears check like the one we deposited in seven (7) busines days. For some reason, they cleared the check within 48 hours. We had written post dated checks on the account.

Some of our employees took the checks to the local currency exchange to cash their checks. After the 2nd day, we found that Chase had "cleared" the check - so - we wrote checks to cover our agency's gas, electric rent, casble and such other normal business debts. Never once did we seek to take a substantital amount of money from the bank. We assumed that the check had cleared and that everything was okay until the 5th day when Chase stopped the checks. As it were, out of a $15,000 check, we only paid out $6,000.

For four years, we have been without a checking account because of this matter. Haven't we been punished enough? Chase Bank also turned the account over to the collection agency. We need someone from Chase Bank to look into this matter and bring this matter to a close. We desperately need a corporate checking account. We are writing proposals and there is an excellent chance that we will receive a $50,000 grant within the next three months. Additionally, we pay extra fees at the local curency exchange for cashing our corporae checks.

Is there someone that can help resolve this mattter? Chase Bank nevr formally accused us of defrauding the Bank. To this day, we simply deposited a check that we received for what we thought was a donation - nothing more and nothing less. If we were attempting to defraud the bank, we clearly did a piss poor job of doing that as we paid bills and did not draw down any major money and run with it. This should tell Chase Bank something.

Chase contacted me in Dec. 2011 about suspicious activity on my acct. At which time my debit card was cancelled and a new card issued. In Feb. 2012 I went to use my new card and the transaction was denied.2 months after the initial card was cancelled the same company was allowed the charge $2000.00 plus dollars. Now 3 days later I'm disputing the charge. Howcome a company was allowed to use a card that was cancelled and no longer valid 2 moths later. I'm furious. And have no access to money. The next step for me is to hire a lawyer to sue Chase Bank for not complying to secure banking as prpomised and the company who made the unauthorized charge.

I am told they are waiting on a sales report; from a company whom don't have authorization? I will be waiting forever. This is the worst service and experience I've ever had. This error shows how incompetent your business is. It's common sense that a bum would undetstandx if a card is cancelled, it shouldn't be used. Period. Why does Chase Bank not get it?? Card cancelled 12/2011, charge 2/2012. What's wrong w that picture?

In Sept of 2008 my contracting business was very slow and I fell behind 4 payments on my lake home. I contacted my lender, Chase Bank and explained the situation. I requested the modification and the manager at that time put me on a 3 payment "Trial" payment of $1800 a month, $650 more than normal PLUS a $5000 downpayment. I thought this was odd but never having done this before I agreed. After scraping up the down payment and making the 3 payments I was then placed with another manager. This one told me that things had changed and I would be required to make a $2500 down payment and 5 payments of $1200.

By this time I was very leary but this was my lender and I didn't know I had any alternative. After these payments were completed, I called to check on the process I was again placed with a new manager that informed me that the Obama law was in affect and that Chase did not require any further payments and that my modification should be forecoming.

That was October 09. At that time I was only 4 payments behind. It is now November 2011 and I'm STILL awaiting my modification but now I'm 27 months behind and my home is and has been in Foreclosure status. I have sent so many "Request for modification packets with updated bank statements and documents that I'm worn out. I now think Chase is a total scam but therre is no where to turn. I just wait on news that they are foreclosing on my home and they didn't do a thing after all the required money was paid and no credit was given.

The actual investor is Wells Fargo. What ARE they waiting for?? By this time Chase should just offer me a low interest rate modificaition and let me get back to my normal monthly payments since they have SO many homes to deal with. I NEED HELP!

I'm a Realtor in Aliso Viejo CA. I've been hearing an ad slot on the radio in which Chase Mortgage promotes their mortgage website as a "One Stop Shop" and there is no need for a Realtor. I'm letting you know that I have tremendous influence over the Mortgage companies used on my Listings, and my Sales.

As long as these ad spots run I will do everything in my power to discourage everyone in my personal and professional life to stay clear of Chase. I am also in the process of bringing this concern to my local real estate association, the National Association of Realtors, and the California Association of Realtors. If you don't value Realtors you're going to find out what it's like when they don't value you.

I love how Chase has singled out an entire group of mobile phone users. I am relieved that I switch to a credit union before this happened on top of the fact you have no offices in upper Pennsylvania or lower new York area. I think everyone should switch to a credit union just for the better personal service and lower costs in fees and other services. You, Chase bank can be replaced with a plethora of other banking options an i hope you lose a lot of customers due to your stupid choice.

It is very hard to say this, but my father Frank Fanella is a deadbeat. He is always making up excuses. I am grown now, but my mother, Claire, is still raising my younger brother and sister and is facing foreclosure now. Now, my father is getting into dope dealing with another black sheep of the family Dominic Thompson in Florida, who has already been convicted. I don’t know what else to do to stop this insanity.

I am a “homeowner” with a mortgage through Chase Bank. I am writing this letter with no real expectation of change but with a need to express my experience having a Chase Mortgage and to determine if I am a customer who has been singled out and persistently mishandled or if there are others with similar experiences to mine. I am attempting to determine if the policies and best practices of Chase are flawed or if they have been deliberately used to harass me. Hopefully I can explain my frustrations in a way that will allow the person or persons reading this to offer at least an explanation if not an apology.

I will begin at the beginning. In 2001 I was granted a 30 year fixed rate mortgage. I had a husband and two children and two incomes. In 2005 my husband was fired. I was making partial payments not realizing that none of the payments were being applied to the mortgage until I received a call notifying me that I was 4 months behind on my payments. “By the way we do not accept partial payments”. After many forms and phone calls later I was granted a forbearance which in fact made my payments higher. The Homeowners Assistance Dept. was rude in their phone conversations and unreliable when receiving faxes and paperwork requested by them.

Entire files had to be resent due to their claims that they were never received. All payments had to be made by certified funds. The representatives were impatient, uncompromising, and mean when attempting to explain to me how this higher payment was helping me. While dealing with this issue I called or was transferred to (800) 446-8939, (614) 961-3196, (800) 848-9136, and many other numbers to various departments and fax machines. In 2007-2008 I had to begin the whole process again after going down to one income again. Just like before my “help” came in the form of a much higher mortgage payment. For 18 months I had various handlers or negotiators.

I went from a 1500 dollar mortgage to an 1880 dollar a month mortgage. Again I was asked to send in mounds of paperwork that was lost or misfiled more than once and transferred to different departments, placed on hold for 20 minutes or more, disconnected or told “your call can not be completed please hang up”. I was told on more than one occasion that unless I could refinance there was nothing that could be done. Meanwhile as you are making payments according to the “forbearance” on time, with certified funds, you are reported to each credit bureau, every month, as late on your mortgage payment which has been devastating to my credit rating, and also making it impossible to refinance.

For two years, even though I was making the higher payments on time, I was reported late. In 2009 The NACA convention came to my area. I was having a very hard time making the payment each month and I thought there may be some help for me. I gathered up every tax form, paystub, teacher contract, bank statement and every other piece of paper, waited all day, and watched as the bankers from Chase turned each and every homeowner away. In September of 2010, back to a single income again, I applied for the homeowner’s assistance program. I began the process of calling. Each day I got new relationship managers such as Sharon Keys and faxed paperwork.

Everyday I would call to find out what else they wanted such as proof of address, letters stating that my husband was not receiving unemployment. Re-faxing documents every day for various reasons such as box C wasn’t checked on form 4506T. At one point the process was taking so long I had to fax in more current bank statements so that the most recent months were represented. After all of this I received a form letter informing me that I was denied. In that letter it was suggested that I attempt to refinance. As you may know it’s the policy of Chase that if you were behind by 30 days within the last year you are not eligible to refinance your mortgage.

Chase had reported me as late for the entire 18 months. In March of 2011 my divorce was finalized. Throughout that process I was 3 months behind on the mortgage. I began again the process of gaining a modification. Weary from the last attempts I began by gaining a transfer of ownership since I received the home in the divorce settlement. I received the packet in the mail after 3 requests. Completed the forms, notarized and attached the one hundred dollar check. I also requested at this time that my name be changed. I attached a copy of my divorce as well. Immediately I began the follow-up calling after the return receipt came in the mail.

Initially the person I spoke with had no record of the information I sent. After the check cleared the bank I received a letter stating that they were unable to remove or add party on loan. They also would not be changing my name on the loan. I began the phone campaign to speak with someone. I called (800) 848-9136, (800) 548-7912, talked to Brandy (her real name? maybe), (877)314-6359, talked to Ebony Williams. Still nothing on the name change. Meanwhile I am applying for another modification. I called (866) 282-5682, (888) 404-4674, (800) 848-9380, (888) 353-1842 and got to Robert at ext. 322057 who listened and was extremely helpful. He basically talked me off the ledge. I faxed everything to Robert and was miraculously approved for a trial modification. Like a ghost I have never been able to reach Robert again.

Now I am on the modification, my credit is still taking a major hit, and a hail storm puts several wholes in my roof. My insurance company is contacted. They promptly send out a check to me, and you guessed it, Chase bank. Theoretically I could go into any Chase branch to have it endorsed. Wrong. This is Chase bank. They won’t endorse it because I am “behind” on the mortgage. I have to send it in with, you guessed it, a packet of notarized forms. I call to request the packet and it never comes. I call to ask what happened; they give me a website to download the packet. I download the packet send it in with the check.

I call some more numbers and departments to find out that they have rejected one page of the packet because I have “Chase” written where my name is supposed to be written. In the mean time a month has passed and I still have a tarp on my roof. If you’re getting tired of reading this then you know how exhausted I am living it. Every time I call they refer to me as Mrs. Sowell. Not my name. Every paper they send to me has my ex-husbands name on it or requires his signature. He doesn’t live here or have any claim to the house. I can see why people just give up. There seems to be no end in sight with this bad romance I have with Chase Bank.

There is no one “in charge” to complain to and no department who has any clue what the other departments are doing. No phone numbers that get you directly to a person who has any idea about what’s going on with your case. I am frustrated by all the red tape, the bureaucracy, and the bouncing around from person to person and department to department. I am frustrated by the endless hoops that your best practices cause honest people who are trying to do the right thing to jump through. All of this brings me to my original question: Am I being targeted and harassed or is this just the common practice of how Chase Bank operates?

Chase froze my account for $10,000,000 meaing they put that against my balance, after a poor conversation I had with depost review. The conversatoin was to discuss the fact that all the sudden my pay check was being held out of the blue for some odd reason. They said the account will have the $10,000,000 hold against my account until the check was verified. That is absolutely insane and extremely cutthroat. Chase Bank is the WORST!

To Senior Management of the Chase Banking Corporation, I have been a Chase Bank customer for over 1 year. I have always done most of my banking at the Chase location in Yukon, Oklahoma. Almost a year ago I was injured on my job and started receiving workman’s comp. insurance payments. These payments were issued through my attorneys office. When my checks first started was when I first opened my account. Prior to opening the account I verified with the current manager at that time (Bryan) if I would be able to deposit the checks, he stated I would, so I opened the account.

I deposited the checks without any problems for about 2 and a half months, so around 9 – 10 checks. The following week I went to deposit my check and the clerk (Melissa) assisted me. She would not take my check. Stated they could not deposit the check. I explained I just wanted to just deposit it not cash it and that I had been bring it here for over 2 months. I again spoke to Bryan and he deposited the check. I wanted to give you some background on this issue. Since then I have been inconvenienced for a year now with cashing and depositing my weekly checks. I have to take them to a different bank, pay a fee, cash it, drive to the Yukon location and deposit the cash.

This is and has been ridiculous, but this correspondence is in reference to my experience today 20 June 2011 at your Yukon, OK location. My attorneys office, as of today, is no longer issuing letters with there weekly checks, and they would be contacting the banking facilities to inform them. First of all they called the facility in Yukon, OK eight times and they never answered. I waited in the lobby for almost 30 minutes while this took place. When they finally answered Melissa’s excuse was that they were a small branch and they couldn’t get to it. When Melissa spoke to me a Chase customer she was very rude and her tone and condescending statements were very disrespectful.

She didn’t stop there, when she spoke to my attorneys office she was just as rude and disrespectful. She was rude to the point that they requested the number to the corporate office and she refused to give it to them. I asked what can we do to fix this or who we needed to talk to because I didn’t want to open another account at another bank just to deposit this check. Melissa stated well you have to just do what you have to do.

The Banking Industry is not just dollars and cents, a very large part of it is customer service and customer satisfaction. I understand Melissa is the new Branch Manager in Yukon, OK. I am sure she has cost your company customers and their business. Melissa desperately needs additional training in the customer service area. She is also very rude and very unprofessional. She has no people skills that were evident. I can’t comprehend how she could be an effective Manager. You may have good employees suffering under Melissa’s lack of leadership, and Managerial skills.

I would appreciate it greatly if someone from your office would contact me in this matter. Thank you in advance for your time and assistance.

Sincerely,
Lupita Smith

Recently I got several charges on my Chase debit /checking account on May3,5, and 6th of 2011 and I went in to my home branch to talk to a Banker about my account. She gave me their Dispute Claim number to call which I did and they told me to call the merchant number on my bank statement first I did that and it was Yahoo.com they asked me for my full account number so they could handle it for me. Initially I had 3 charges of $19.99 from yahoo and $34.00 charge from Match.com and I never did business with these people at all!

Chase reversed the charges from them all but decided to reverse the credit on one charge back to the merchant for $19.99 7 days later and I called to complain about it but the dispute person was rude and sharp to the point that Chase decided to give that amount to the MERCHANT and I recieved no product or service! Now it has thrown my account into overdraft of $34.00 and an additional $15.00 for not paying it in 6 days! I am livid and about to close my account with Chase Bank!

I was recently flooded. Chase bank holds a very small 2nd mortgage on my house and GMAC holds the principal mortgage. Chase is trying to say they have a new policy in place where everyone else would sign the FEMA check and they would deposit it, hold it and issue it to us a little at a time. I had to pull money from my 401K in order to pay for the flood damage up front and this is my reimbursement money that has to go back into my 401K. How in the world can Chase Bank get away with this?? Who makes up these stupid rules and where does one get protection from them? It’s not their money, it is mine.

We paid mortgage payment on time since we got a mortgage from Chase, which is last 6 years. Last year by mistake the check went to different vendor and they cashed it. Chase never informed us that they never received a mortgage payment for a month. They send us a regular statuement following month with due for 2 months as well as late payment. We send them copy of the check that check was cashed. After Chase assured that they never received a check, we paid them before the due date all money. However, Chase reported to credit bureu about late payment. 1 late payment in last 6 years of loan.

When we called them bank representative informed us that they will fix it but nothing happend and we send them all paperwork twice. Chase is nothing but scam.. BEWARE…

To: Chase Bank / Mortgage Department March 30, 2011. In late October of 2010, I purchased a new house insurance policy with Allstate, the representative need some information on the property and requested that I call and talk Chase Mortgage Co about the changes. I was shocked to hear the following message: Your payment for October is past due! I immediately call the mortgage department and talk with an associate from that department, he said not to worry, Chase allows a person to be one month behind and this is how Chase will handle the late payment.

October would be excused and November payment would be the same as previously paid. However, December’s payment would be $3600.00 plus dollars and January’s would be approximately $2700.00. He stated that this would not AFFECT my credit and asked why the payment was not received as scheduled. I told him that I rent the property out and the tenant always paid on time and with that I explained that my daughter had passed away in June of 2010 and left behind 5 children and that my wife and I needed to help with until all was settled. My daughter lived in Wilmington, Ma. and we live in Colorado.

As I have already explained the tenant always paid, so I did not pay any attention to the mortgage as my mind was preoccupied with the tragedy at hand. In November, I received a statement from the mortgage department requesting a payment of $4300.00 plus dollars, I asked them why, would you be expecting a payment of $4300.00, when it already has been agreed to pay the regular amount in November and the December and January payments to be of the larger amounts, and this would satisfy the loan.

The lady I talked with started to ask me questions about my income and I answered all the questions that she requested. At the end of our conversation she said I will set you up under this plan. Pay the regular payment for December and in January, February, and March you will pay $2860.77 for the first two months and $2799.08 for the third month. These conditions have been met. However, along the way I was charged for two payments in November as my bank statement will reflect and I had to fight with the mortgage department to get one payment put back into my account.

Secondly, I was told repeatedly that I would receive papers to apply for the modify mortgage program, after calling a number of times to ask for the paper work. I was told that it was sent out, and another set of papers would arrive at my house in 5 to 7 business days. To date this has not happen. I have received at least 6 documents stating that I am in default and that there is a modify program and all I have to do is request this. Well I have, and the only thing I received so far is a notification from the Post Office is to pick up a copy of that which you send me every week (default statement). I have kept all that I have received from Chases Mortgage department and I have been in earnest pursuit of an attorney to see if I have just cause to sue for harassment and also will request that any late payments that show up on any of my credit scores be expunged.

Enclosing, I feel that all the penalties that I have had to pay as part of a late fees on the mortgage should be reimbursed, the opening statement, back in October, when I was told to pay the amounts addressed and the fact your representative stated that my credit scores would not be affect, have in fact been. A closer look at this issue has caused my credit card limits to be substantially reduced.
Again, I believe that I have been misled by your representative(s) and have paid far too heavy of a price for their actions.

I went on line to fill out an application for a Chase Freedom credit card and noticed that by filling the application on line as opposed to filling out the mail copy and returning it my variable APR after march 1,2012 is 11.99% and 9.99% on the paperwork I received in the mail. I don’t like being told one thing and then having it changed when making application for the card. Please DO NOT send me any other offers from Chase. Sincerely, Betty Alm!

I had 87.42 taken out of my checking account by chase bank and I didn’t request it because I am on social Security and can’t afford it. I didn’t expect this from a bank like chase (which I trusted fully with my money) but they still have no idea. I have called their 1-800 line and tired of getting placed on hold for hours with incompetent fools! Please give me back my missing money and put it in my chase bank account or you will be hearing from the better business bureau, which have already been notified!

We tried to get a loan modification with Chase bank last year, handling everything ourselves. They “lost” our paperwork four times and then eventually denied our modification because they said we didn’t make enough money. We started the loan modification process again with Chase bank in early 2010, this time we hired a loan modification specialist to help us. Again Chase has continued to “lose” our documentation. They denied us again because they said we hadn’t provided all of the necessary documentation. We have proof that we did and had to file an appeal to reopen our case. We still have not received our loan modification or any information regarding the status of our case as of today.