JPMorgan Chase
Reviews and Complaints

Ginger fernandez
19783 coyle ave.
Detroit, mi 48235

January 21, 2011

Chase
Tx1-0053
P. O. Box 961103
Fort worth, tx [protected]

Case number 12jan11-293
Reference number [protected]
Account number [protected]

Dear jp morgan banking representative,

In reference to the statements I requested on 12-jan-11. I am disputing all of the highlighted charges and fees to the tune of $2, 248.49. If you will notice all of these charges are via the internet.

I am a single disabled woman of 57 years on a fixed income. I only receive $1, 300.00 per month disability payments from social security. Once again I have been victimized by the system. I do not spend my allotted funds to play games on fachasebook or order unnecessary junk on the internet.

Yahoo canceled access to my account even to me sighting: & ldquo;password compromised”. I guess it is almost like closing the barn door after the horse has been stolen, but I was unaware of the problem. When this discrepancy was brought to my attention I immediately changed me password and contacted you. On january 12, 2011 I requested that you cancel my chase check card and send me a print out of all activity on my account beginning october 1 & ndash; thru & ndash; january 12, 2011.

In have been in and out of the hospital. Suffering with cardiac infraction, asthma, chronic back pain, and depression. Poor physical and mental impairment kept me from tending to my finances. With plenty of rest and counseling I am back and able to fight this travesty with every breath in my body.

As soon as I received the print out I reviewed it and found $2, 248.49 in bogus charges. I am officially disputing these charges and demand you redeposit my funds back into my account. I do not have money to fritter away on unnecessary incidentals.

Please contact me at your earliest convince to help me solve this matter.
You can reach me at: [protected]) or 19783 coyle * detroit, mi 48235

Sincerely;

Ginger fernandez
G. F.

Did not recieve my mortage bill in December, missed payment realizing I would need to catch up in January. Never recieved a Jan bill, was called one night at 8:50 pm and left a message by 800 chase number, called right back but told not business hours. Called the next day during business hours (asked to input last 4 digits of SS#) told at 10 am, not business hours, so went into local branch and showed the loan officer this problem. He looked perplexed called branch manger and she got me in. I asked why no statements were being mailed and was told they mail statements when they recieve payment. In other words, miss a payment, Chase stops sending bills. What happens when you miss paying other bills? You get a late payment notice, reminder etc. What if the mail loses your bill, I didn't recieve mine in Dec, who knows what happened, what if you're elderly and forgettful? This policy seems intended to just let you slip into foreclosure, also of interest was how they blocked me from the phone system and would not take my call, the system would tell me not business hours in the middle of the day, this was based on my ss#, so they filter calls, not taking some, based on what? What genious lawyer recommended this policy, this is intended to trap consumers in arrears and not assist them. Stop sending bills after one payment is missed. I was told this provision is in the small print, Chase assumed my loan and this was not the policy of the previous lender. Very suspicious behavior will ill intent clearly the motivation, is it legal? Is it covered in the fine print? Maybe so, is it ethical and in the best interest of the consumer, in the spirit of assisting troubled consumers in tough times or predatory? This home has less than 4 years of payment left on the loan, wouldn't Chase love to assume that loan in a foreclosure! Four days now after I paid the last two months off, they gave me a reciept yet have not processed the check, now what are they up to?

This company sold me a car they falsely advertised online. They told me both timing belt and all other belts on my car were replaced at 83, 000 miles. I have the advertisement from their website as proof with the owner's number right on it. I have since been the owner of this car for 3 months in which every bit of the car has needed repairs, not normal wear and tear repairs mind you. I have since replaced the transmission, all brakes and rotors, both wheel bearing assemblies, both tie-rod ends, both axles, and the thermostat. On top of this, the car I purchased does NOT even have a timing belt, it has a timing chain, which has never been replaced, and the serpentine belt and supercharger belt were NEVER replaced! NEVER EVER EVER PURCHASE A CAR FROM THESE SCAM ARTISTS! I will have my day in court with them but I would NEVER wish this on anyone! What trouble I have gone through to have a safe vehicle!

I ALWAYS make my mortgage payment via online banking. For Dec and Jan the payment was rejected by Chase for no valid reason. My bank (BofA) noted Chase did not accepted payment. Because the money was taken out of my account, I assumed it was paid. I received letters claiming my mortgage was in default. As soon as I was made aware, I paid WITH FEES the 2 months balance. Please note, it still shows January's payment as processed. It has affected my credit. BUT BUT BUT, here is the kicker. The SAME THING HAS HAPPENED TO A CO-WORKER OF MINE. It was in Dec. and he is at risk of loosing his house because the payment was not accepted. I thought it was a fluke with me, but now I think it's a scam Chase has to collect additional fees.

I've submitted all documentation to Chase. I'm not comfortable submitting here as it has my bank account info. But, I can definitely everything. Supposedly will hear something in 5 business days. I just want to alert anyone else who might have the same issues.

I was working out today and thought how dumb that Chase commercial is where the woman is attending a yoga class and has her smart phone on in the class and stoops down to make a bank overdraft transaction during a pose. Any one who has ever attended a yoga class, and there are millions, knows that we turn out cell phones off out of courtesy for others and do not distract ourselves during a yoga class. It obvious the agency that did this commercial never attended a yoga class and has no respect for yoga, except to make a commercial. A little, even the bare minimum, of research would have helped.

I leased a Subaru through Chase Auto Finance. Had my payments taken directly from my bank account. Never had a statement or other notification from Chase the entire time of the lease. My carbon copy of lease document shows 47 months on lease. At the time I made the agreement the salesman at the dealership had discussed a 36, 42, 48 month lease or a 60 month purchase. I left thinking I had a 48 month lease. All payments were made timely, my last payment was made December 8, 2010, payment due date was December 10th, next payment due January 10, 2010. December 31st I found a repo man in my driveway trying to take the car! I provided him with bank statements showing timely payment and a copy of my lease agreement. He left the car. I should note that other than the first statement issued one month after signing the lease agreement I have not had any written or verbal contact from Chase regarding my lease or instructions concerning the process I needed to follow at the completion of the same. At the time Chase attempted to repo the car I was in the process of securing a long-term loan to buy the car, still having heard squat from Chase. I called the number provided by repo company and began the Chase run-around (seems this institution is aptly named) I was told that a rep, DeShawn, had tried to contact me and I needed to speak to her. Not so... my phone log indicated NO incoming calls from Chase and her voicemail simply told me to leave a message and she would return the call in 24 to 48 hours. Methinks 14 days is longer than 48 hours, but who knows! Long story short, payoff check was sent January 4, 2011 per Chase instructions. Chase indicated they would send the title 7 business days after receipt of payoff. No one at Chase can find the payment! The payment processing center doesn't talk to the vehicle recovery center and DeShawn doesn't talk to anyone (her 48 hours are still running). I faxed a copy of the check issued by my credit union to their "Recovery" department. Now they want my credit union to stop payment and re-issue a new check. Credit union says Chase is the worst! They sometimes take 30 days to process payment and release the title. I am just waiting for the repo man to show up at my doorstep again. I have called Chase twice a day since the 4th of January hoping to get someone to acknowledge that I have paid timely and that they are in the process of releasing title. No one knows anything. Warning! AVOID CHASE AT ALL COSTS! My next letter is to Subaru 's CEO!

I have been unemployed for two years. I began to receive unemployment benefits from the State of Arizona in June 2009. These benefits, which were well deserved after 10 years of continuous employment with a major insurance carrier, are distributed by means of a JP Morgan Chase debit card. Today, I found that they will now charge a 25 cent fee each time I call the Customer Service number on the back of my card to check my balance. Furthermore, I am locked out of the www.myaccount.chase.com website.
I have tried multiple means to contact someone at Chase to unlock my web access. Every representative I've spoken with had started the call professionally, but became uncaring and in my opinion, discriminatory once they found that I am receiving unemployment benefits. According to an unnamed Supervisor at Personal Accounts Customer Service; [protected], Chase does not service Debit Cards distributed by third parties. I then Called the Online Banking number also listed on Chase's website; [protected], then explained my situation. Debra, a Technical Advisor told me that the "normal" Chase representatives cannot help those with debit cards provided by third parties (even though these are Chase issued cards accepted at their ATM's and recognized as Chase Visa cards for purchases). So Debra, whose demeanor was such that I was irritating her, provided another number for technical assistance for Chase.com domain internet related problems: [protected]. I hung up and followed Debra's advice and called the number, entered my card number and was immediately charged 25 cents which I was trying to avoid in the first place.
This number is simply a re-direct to the number on the back of my card that offers no technical assistance and now charges 25 cents for each inquiry into my account. Now I am 3 cents overdraft due to Chase’s negligence and I cannot check my balance without driving to an ATM.
Dear reader of this complaint. You are probably balking at my issues over the small amount of money involved, the disrespect towards me by Chase employees simply because I am unemployed and this newly created fee. But I've been out of work for a long time after having a 60k income for a decade. I get food and clothing for my children and myself from shelters. My Unemployment benefits do not even cover my bills. So, with this said. I count each and every penny very carefully. How can this supposedly responsible financial institution treat common people so unjustly; more discriminatory than race, which is a violation of state and federal law.
You would think they would support those who have fallen into bad times to help them climb back into normality and to be active consumers; not to mention providing members of the community. I've tried to be nice in this note, but in a few words that will not be the case: The institution of JP Morgan Chase is made up of discriminating Crooks, Thieves and Liars with their only interest being that benefitting themselves at the cost and hardship of the communities for which they falsely promote honestly and the American way.
I don't know if this letter will help me or other for whom Chase has taken advantage of, but at least I tried.
Sincerely,
Todd R. Stahl

We applied for a loan modification on our first loan with Chase (which was not by our choice but only because they bought out WAMU). It took a year and we were denied because "the mortgage holder refused", this would be Freddie Mac (sp?). We had never been late on our first or second (HE) mortgages. After the application process started, my husband was laid off for 5 months. We depleted our savings and 1 1/2 yrs later we are now late on our second mortgage. I have actually been in tears begging for assistance from anyone BEFORE it got to this point. NOW they are finally willing to modify our second mortgage. I keep asking them to speak to their "short pay dept. or consumer advocate" and they ignore my requests. If anyone out there knows a direct # at chase to call, plmk. I am so frustrated with these people and cannot wait to get my credit back so I can dump them.

I am the owner of two businesses. I use my chase credit card. I am late a couple of times but not 0f 30. I have about 60 plus employees. I have been zapped by your 29.9 % interest. In the past 12 months I've payed over $4, 500 in interest and only a little over $1, 500 went on balance. Which is $14 k. You are ripping the public off and it's painful. During these tough times people use these sources for money. Chase Bank uses these tough times to rip off the customers, while chase take 25 billion in tax payers money. lower those rates on people who are having a tough time please.

We almost lost our contract on our home along with the earnest money twice working with Chase Mortgage. The employees that work for that company are completely incompetent. They asked us an average of three times for five sets of documents they already had in their possession. They fail to respond to emails in a timely manner. If we emailed them at 10 AM CT they would respond the next day. This should have been a sign of their lack of customer service but oh no, we wanted that $500 cash back each year on the mortgage. We were also warned by our friends not to do business with them for a mortgage. They told us we would get the run around and then in the end get nothing or just more running around and "busy work". Another friend that refinanced with them also said that it took her a very long time to "seal the deal" with them. It really sickens me that our tax dollars went for this company to get a bail out and they treat their customers this way.

In the end we spent 60 days in loan processing for a home with their final outcome as a denial based on how they incorrectly calculate debt to income ratio. We were $100 over the debt allowance each month...$100! They denied us an FHA. I will never, ever do business with Chase again. We are going with another bank. Hopefully $100 over will not make or break a deal with that bank especially when we have never been late on any of credit cards.

There should be some type of penalty they have to pay the people in which they have wasted their time, possible contract and earnest money. Please follow the advice we did not listen to...do not go with Chase.

I have been in Mortgage hell with Chase (formally WAMU) for going on 6 years now. They double paid my taxes, totally screwed up my account and destroyed my credit. SIX years ! In a final attempt to save my home I applied for a Modification... 3 years ago! After monthly inquiries, sending the SAME information to them 6 times, never talking to the same person twice and me hounding them on a monthly basis for a decision on the modification I was finally told I was NOT approved because of 'numerous"reasons. I have a lawyer doing everything he can from keeping the Wolf at bay and stealing my house from me. In the meantime I have decided I am just TICKED enough to file a class action suit against these crooks! I know of three families just in a 6 block area that have the SAME bank doing the SAME thing to them. To file a class action we need at the minimum 10 complaintants! If you live in or near the Toledo, Ohio area and have been though a foreclosure or feel you too have been led on and ripped off by this bank please, PLEASE contact me via Email. If you have already lost your home to these crooks, again contact me via Email. I am NOT a lawyer! I am NOT trying to sell anything! I am NOT promising results! I need fellow complaintants to make this damn bank pay for their incompitance ! [protected]@bex.net. Try to briefly explain your situation and how long your particular issue hase been going on. TIME TO FIGHT BACK PEOPLE !

Chase gave me a modification in January 2009, they did not up date
my statements showing the new interest rates or new monthly payments. They said it was because they were changing computer programs. It has been two years since they sent me the modification agreement. Now they are saying its not valid because they never signed the agreement on their end even though I have been making monthly modification payments for two years. I would like to file a class action lawsuit against Chase Bank. They have now sent me papers to forclose on my home.

I have seen your blog, and the many others on complaints.com regarding chase bank and their fraudulent loan modification procedures and actions. It looks like the blogs are dated in late 2007. you mention that one should contact you to find out who the class action attorney is handling your cases.

That is the reason for my email to you. I have been experiencing all of the same frustrating experiences as many of your bloggers for the past 18 months. The long and the short of it is that, after over a year of providing multiple packets of requested documentation (at least 10 different times because either they never received what I sent, or because it took them so long to finally look at what I sent them that they needed updated docs, only to repeat the same delays and request for updated docs again), and while making agreed to reduced payments under a forbearance agreement, on July 16, 2010, I finally received a verbal approval over the telephone of a modification, approved on July 14, 2010.. ( I have the names of the 2 individuals I received this info from, and their phone numbers and extensions. Its my guess however that either they no longer work for chase and/or most likely their numbers and extensions have changed many times since then). I was told the exact terms of the modification and when the new payments would begin (Sept 1, 2010). I was told I would receive the packet in 7-10 days. After many calls requesting the modification package during the next 30 days, I still had not received it. Yet I was told in every instance of calling inquiring about the where abouts of the packet, that my file shows that iI had been approved on July 14, 2010 and the docs were coming.

As a homebuilder in Dallas, my business at this point has been relegated to remodeling and my income significantly reduced. I had foreclosures last year, and resulting deficiencies against me for a couple of houses I had built and couldnt sell for what I owed. I was forced into bankruptcy before ever receiving the modification package (which I never did actually receive) and chase then pulled the modification. I re-affirmed my mortgage with chase and have communicated to them that I am still ready, willing and able to commence payments in accordance to the terms of the modification that I was approved for. I have since been contacted by an attorney for chase (initially, 3 months ago, out of Houston), inquiring of my intentions. I have told her the story and that I still was willing to go with the mod terms. She said she would get with chase and just get this mod done.. Nothing has been accomplished since. Most of my calls and emails to her have gone unanswered and when I have been able to reach her, her response has always been that she has not heard back from chase. So, for over 3 months, an attorneys client has not responded to their lawyer regarding resolving a legal matter.

This dispute began when I authorized Geico through my Chase checking account to debit $284.30 to initiate a auto policy. On their site Geico displays $284.30 (the amount needed to initiate the policy) in large numbers.
They then display underneath it an amount they state that you owe them from a previous policy in smaller and hard to see numbers. Chase reversed the charge when I submitted the complaint. Chase then took the word of Geico and reversed the charged and charged it to my account. They then doubled the amount stating that I made two claims for the same amount of money. Who's would do someting illegal or dumb like that? They need a lawsuit filed against them and they need to be investigated.

After unsuccessfully attempting a mortgage modification, Chase saw fit to compound our property tax payments into our monthly payment. Per public records, our property tax is approximately $20k per year; Chase has seen fit to impound $4786/month, or $45k- twice the amount due on our tax bill. Chase 'customer service' says it can't help, talk to the Escrow department; the Escrow department does not have public telephone numbers so I am pursuing other avenues to get this resolved. If I can without resort to a law suit of some sort, which IMHO I believe may be the only way to get their attention. This has been going on now for months and months. (Of course, if you don't pay exactly what the statement says, Chase puts the payment into 'suspense' and hits your credit with a 30 day late charge. Just wonderful.)

Don't use Chase or recommend anyone to use them-- for loans, banking, cards, whatever.

Chase Home Finance, LLC recently required flood insurance on my house, even though it is not in a flood plain. I sent them documentation from FEMA and my local flood plain expert in my municipality indicating that my house is not in a flood plain. At the same time I received a quote from my insurance company which was 1/4 what Chase wanted me to pay. Chase did not respond to my documentation, in fact said they never received it, even though I have a signed receipt that they DID receive it. Long story short, Chase purchased the expensive flood insurance "on my behalf" and took payments for it from my escrow. Then, less than a year later, Chase sent me a letter stating that due to a "policy change" I no longer needed flood insurance. Of course there was no apology nor did they return the money they took from my escrow.

I am not the first to experience this questionable practice from Chase, in fact there are two actions in progress against Chase, one in California and one in New York. You can read the details at the following address:

http://www.nka.com/Cases/ChaseHomeFinance.aspx?CaseRef=153#certified

On their website they state: "As part of our investigatory efforts, we are interested in speaking with other Chase customers who have concerns about Chase’s flood insurance requirements. If you believe that you were required to purchase or maintain unnecessary or excessive flood insurance by Chase, we would be interested in hearing from you. You may contact us toll free at [protected], write to us at Nichols Kaster, PLLP, 4600 IDS Center, 80 South Eighth Street, Minneapolis, MN 55402, or email our clerk, Jon Sandquist, at [protected]@nka.com. You may also check this site for periodic updates." Dec 15 '10
10:04 pm PST

Chase Bank is praticing ponzi scheme on helpless citizens on behave of U S government. This bank run a credit check on its clients to find the ones with bad credit that cannot get out of thier loans in order to scam them. This bank wants me to maintain $250, 000.00 flood insurance for the life of the loan which is suppose to net them additional $2500 yearly to the loan. Chase bank don't know I have a way to pay them off, which they found out but now they are just sending me bills with late fees and interest. I live in a condo that has insurance for the whole units. My name is Olusegun J Balogun of Dallas, Texas. I am waiting for their Conservative Judge to tell me to move out of my house for Chase profit. I can be reach at [protected]. Loan number [protected]. Thank you and may God bless America. The loan amount is $27500 that they want me to flood insured for $250, 000.

Chase sent announcements of a new fee to replace their renamed free checking accounts. It'll now cost $12 per month to keep free checking unless one keeps a minimum daily balance of $1, 200 per month or has at least one $500 direct deposit per month. Difficult for freelancers and those out of work to remain among the banked population! Is this how they're replacing the fees they used to collect on debits? SHAME.

It has been a nightmare since I opened my Chase checking account just 3 months ago. The customer service SUCKS. I tried to open my account and had multiple issues, then I had to call to set up my online banking and I could not understand the women on the phone at all who kept giving me the wrong password which would not work. Her supervisior came on the phone to help and was one of the most unhelpful, condescending, rude and unpleasant humans I have ever spoken with. Two weeks later I deposited a larger amount of cash into the ATM (from my roommate for rent) and the ATM "didn't know it was cash" and decided to hold onto the money for 7 days. I called and went into the bank multiple times to try and remedy the situation, as I was told that cash is always directly deposited into an account because there is no need to wait for it to clear like a check. Every single person I spoke with said "that's so weird, I've never heard of that happening before" and told me to talk to someone else. So frustrating. Meanwhile my check had been deposited and Chase wanted to charge me for a bounced check! No one apologized. Today, I found an unauthorized transaction on my account so I called, waited on hold for too long to hear a guy tell me that I can file a claim but it "probably won't help and you might not be able to get your money back since it has already cleared." WTF? Every single time I have an issue I request to close my account and they either put me on hold for litterally and hour or pretend like they didn't hear me and change the subject. I'm so fed up with Chase bank and I'm happily taking my business elsewhere.

chase bank formerly wa-mu has me red flagged at all banks for being a perpatrator of fraud therefore denying me any opportunity to partake in services at businesses with no prior or current dealings, I had a wa-mu account previously and acknowledge owing them for overdraft fees, there was no fraud intended nor was I ever charged with a crime of any kind therefore it is a violation of my rights to slander me in any form and it has resulted in denial of services offered to any citizen of washington state this is adue process violation and I am innocent unless convicted of any and all crimes