JPMorgan Chase
Reviews and Complaints

When you receive this letter report it to the law enforcement! We gotta catch these crooks!

We are pleased to inform you that you are one of the winners in the "'uk & north america consumer reward promotion draw"" organized for all the customers of wal - mart, sears, home depot, safeway, asda for the first quarter of the year, 2011 (< - - - no period!)

You are entitled to a guaranteed sum of $ 50, 000 (In certified chack) , which will be delivered to you by courier. (Fed ex or ups) .

Enclosed is a check of $2, 550. 00, being payment of your prize. This amount will enable you offset the statutory (Misspelled the word!) non british resident tax payment of $1, 900. The tax is payable to your assigned british tax officer as stated below:

Tax amount: 1, 900. 00
Method of payment: western union money transfer

You are therefore advised to contact your claims representative: mr. John elvis or mrs. Joyce smith on tel: [protected] or [protected]@aol.com between 8:00hrs to 17:30hrs (Eastern standard time) monday thru saturday for instructions on your payment. Do not act on this until you speak with your claims representative.
Accept our congratulations!

Regards:
Mrs. Ruth garfield (Chief executive officer)

Tax officer:
Joyce hall
2 waterloo road, se11 5pa,
London, united kingdom
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This letter is a scam!
Check is from jpmorgan chase bank
Account is active cuz i verfied the check! But its a dam fraud!
Be careful!
Do not cash!

Okay... Im a pretty smart person. However when it comes to financial things im just not that savvy in this department and I think I may need some help. Heres my complaint. Several times I have used the option "credit" instead of "debit" when I make a purchase. When I use debit and credit, I always check my balance and it always is taken out of my account immediately. Ok, no problem there... However when I use credit, the balance is taken out... But three or four days later, when it posts to my account it is taken out again! This has overdrawn my account several times. But it never happens when I use debit. I have called the bank twice about this on different occasions. They both have told me that "it looks like the money is taken out but its actually on hold and when it posts to the account the held money is then taken out"... Ok, no thats # because it took out of my account twice! If the funds were on hold, they would be on hold - not taken out, right? Long story short when I use credit it seems I am charged twice, because the money is taken out right away... So why is it taken out again when it posts to the account? And why does this not make any sense to me? If anyone knows the answer or has had a similar problem please email be, I wont ever check this again probably. But if I can find enough people who have this same problem and it is a scam of some sort like im thinking, please email me and let me know. This is really bothering me... Please email me and let me know if this is a valid complaint or offer an explanation of it that makes sense lol cause the workers just dont make sense to me!

Natalie
[protected]@gmail.com

I deposit my State of California check every pay day in the ATM, the bank makes some funds available same day but it's not an issue. As long as you deposit by 5pm your full deposit is ready the next day. I have been doing this for 3 years, every month like clockwork. Today was Thursday June 30, 2011 the State issued checks are dated July 1, 2011. I went and deposited my check in the ATM at 9:30am as usual and it lets me review the check and accept. Immedatley on the screen pops up "THESE FUNDS ARE SUBJECT TO HOLD", I had never seen this message before but what was more disturbing was when it printed out the reciept and it said funds not available until July 5, 2011. Mind you July 4th is a holiday for EVERYONE. I immedatley panicked of course and got on the phone to ask them to remove the hold, thinking this had to be a glitch, how could there be a hold when i do the same thing every month, after 3 transfers and being hung on 3 times, i finally asked for the direct line to loss prevention which is where they were sending me. Loss prevention!? HUH WHAT?!?! WHY? When i finally get thru they ask me a number of questions, how much did you deposit, when was your last deposit...it's like hello i know you have it up on your screen! So i tell them i need the hold off by Friday morning and she tells me...well we were not trasmitted an image of the check. and i said AND? what does that have to do with me? I don't maintain your ATM's, it showed me the image and asked me if i accept! So what you are telling me is my funds are on hold until your system [censored]s out a picture of the check i deposited? Had i had not been at work i think i would have gotten a bit more upset, i told her that was not acceptable to make customers pay for THEIR error, how bout a warning on ATM's? "use at own risk a picture of your check may not transmit to us because our system is fickle and you will have to pay the consequences of not having access to you money for 4 to 5 days." basically she said funds would be available Friday at 12 midnight, which is still not ok, they needed to be available next day. I was to frustrated and annoyed to stay on the phone any longer or argue with someone who really had no control over the situation at hand. Her suggestion was for ME to call THEM back in the morning to see if MY check had finally transmitted an image to them...ITS YOUR SYESTEM WHY IS THIS MY BURDEN NOW!? My words is to just be careful, it could happen to you, i guess i got in a comfort zone, same check, same atm, same deposit ritual and bam one day, they slap a hold on it.

My chase lost draft department nightmare

My roof was damaged by a hail storm in the middle of april 2011. It is now the end of june and the chase lost draft department has yet to release insurance funds to get my roof repaired. Since I have my mortgage with chase, the insurance check was made out to my husband and me and chase. Chase insists that the homeowners endorse the check and send it to them. They hold the money and make you and your repair contractor fill out, have notarized, and fax form after form. They make excuses as to why the forms do not meet their criteria, such as, there is not enough information or there is too much information. They will tell you that you cannot speak to a manager. I literally had one chase employee tell me, with regard to speaking to a manager, "they is all in meetings right now. A manager will call you in 24 to 48 hours. " apparently, the meetings for managers in the chase lost draft department last for days. I have requested a call from a manager twice and have never gotten one. I have placed over 20 phone calls to chase and still have no idea when I will be able to get my roof repaired.

You can fax the required forms but they cannot tell you if they received them for three business days. It takes that long for them to process a fax. So if there is something wrong with the forms, it sets you back over a week. That's if you call inquire about the forms, three days after you fax them. If you don't call, it takes three business days to process the faxed forms, then they will send you a letter in the mail telling you to fax them again, setting the whole process back two weeks.

When I told several roofing contractors, I was considering for the repair work, that I had a mortgage with chase, they each said chase is the most difficult mortgage company to deal with with regard to releasing insurance funds for home repairs, bar none.

All this waiting while my roof is leaking every time it rains. I live in coastal southern georgia where it is hot, humid and mold is a huge problem. Chase lost draft department is a homeowners worst nightmare, at a time when you are already stressed about your home being damaged.

I have never been even one day late on a mortgage payment to chase. I pay my homeowners insurance and they take insurance money so that I cannot have my home repaired?! I am moving so I will be in the market for a new mortgage within the next six months. I would never consider chase or jp morgan for my next mortgage, under any circumstance. I currently have three accounts with chase and I am closing everyone of them. Chase or jp morgan credit card? Never!

Filled out paper work after paper work for a chase modification loan and for numerous reasons we have been denied never get to talk to the same person always different person as well as different policies as well as reasons. We have lived in our house since 1978 and my husband lost his job on January 13, 2008 and has very little work since due to his health.He has till July 17, 2012 he turns 62 years and is able to get social security as far as i am concerned Chase mortgage has done nothing to help me and my family save our home and as far as the foreclosure procedures i think they are a JOKE because if it wasnt for me looking online i would not even know that they had a court date set up for February 04, 2011 @830am and the other court date which is set for July 15, 2011 @830am again we were not informed so please someone help get these crooks for misleading our country...There are alot of families that are due to be poverty stricken...Lets fight back together...

I decided to go with Chase mortgage for my home loan. They pre approved me. I wanted to close on a home and my loan officer promised me within 30 days. My loan officer gave the papers to the underwriter who took a long time and asked for the same documents over and over. Towards the end of 30 days both my loan officer and underwriter stopped returning my calls. They wouldn't tell me what was wrong and finally I found out my loan officer quit the company and another person was assigned. I was about to loose the home since the contract was running out. I suspected Chase didnt want to give me the loan b/c of my ethnicity. My underwriter send me a email saying my loan be not approved b/c of my credit history. This wasnt a issue when I was pre approved under the same credit history. I actually paid of more credit cards and send him the proof. The new loan officer refused to work with me to see what can be done. For all this 60 days passed and they said they won't work. So if you are thinking about going with Chase Mortgage think again. You will loose your dream home you want b/c they are incompetent and worthless employees and the company is racist.

My boyfriend had a credit card from Chase Bank a few years back. One evening they called him and told him that since he was such good customer he had earned a credit of $500 to be received as credit to his card or in a check. Apparently they had a case back bonus program and the $500 was his bonus. I overheard the conversation and he asked them three times if this money was free and clear, which they assured him was the case. It was his to spend any way he wished because he had earned this credit.

He spent it as a credit to his account. A couple of months later he noticed a $500 charge to his account at which point he called them to question the charge. They told him that they had errored - his bonus should only have been $50, not $500. He complained and asked to speak with a supervisor. The supervisor said it was their error but be still needed to pay it back. He went on to claim that they had sent him a letter explaining they had errored, which they had not, and that he was obligated to pay back the "bonus" that had assured him was his to spend free and clear.

I told him not to pay it, that he should fight the charge, but he insisted on paying it so that they wouldn't charge him any additional late fees, which they had already charged him as a result of receiving and spending the $500 bonus.

I notified the state Attorney General and anyone I could find that helped consumer complaints but nobody ever responded. They are thieves and should be criminally liable for this kind of practice. I am curious to know if others have experienced this same practice.

Beware! Chase bank has a glitch in their paybill system, and chase does not have the balls to correct their ### up.
I paid three bills through their pay bill system. Cox communication, tucson electric, and southwest gas. I sent "only one" payment amount to each. Chase sent two payments to tucson electric and to southwest gas. Due to the double payments, my payment to cox was reject for insufficient funds.
You would think that chase would stop the double payment on their own since it was their ### up. But no, I had to contact the utility company's myself and have them reimburse me one of the double payments for each.
Also due to their ###up and the insufficient funds, chase does send you an email through your account. However, even though they give you the option to reply, they do not have anyone to read the reply. Do they tell you this? Of course not. So you reply to tell them, on the second attempt to stop the electronic transaction to the third bill you are trying to pay, but cant, due to chases ### up in over paying other utilities and the insufficient funds. So since there is no one to read the reply a third attemp to pay the bill is made and of course it fails do to insufficient funds. Theregore chase the peice of ### bank it is, charges you $6 for the failed attempts. You call them, but of course chases again refuses to fix their ### up.
So the moral of the story, due not pay your bills through chases online pay bill system. It is a peice of ### system and chase does not have any balls to fix their ### up system nor do they care about their customers. You arte better off finding a better bank.

I am extremely dissappointed with the Trip Cancellation Policy of the Chase Sapphire card. I booked my honeymoon using the card because of its trip cancellation protection. During my second day of my honeymoon, I was notified that my cousin had been found dead in her apartment, I had to go back home the next day. I tried to get reimbursed for the monies I did not get back for having to leave early because of a death in the family. I filed a claim with their benefits people, aka, Chubb Insurance, and it was denied because I was not asking for flight reimbursement. The Trip Cancellation only covers airline tickets not hotels or resorts. This is misleading as it does not mention anywhere in their promotional materials that they do not cover hotels and resorts. Last time I knew, I did not just take a flight and stay in the airport the whole time of my “TRIP.” I am so dissappointed that I am considering canceling my card as I feel they are being misleading with their benefits program.

Me and My wife had a Checking account with Wamu in Seal Beach Ca. I had a Debt card, which was not problem. I applied for a Credit card ( Wamu ) and was denied unless I backed up the credit card with $ 500.00 secrutiy. I said fine and I received the Credit card, I had the card for about a month, and received a letter that CHASE had bought Wamu, fine, and I would receive a credit card from Chase at some time. I never did, fine. so I just left it alone...well today I went to X-Wamu ( Chase ) and asked for a Chase credit card...no you have no credit in the USA...I said fine take 500.00 to 5, 000 or what ever you want for securtiy, well the answer was Chase does not do that...I don't believe that. but ok... Backfround: I am a Canadian Citizen married to a US Citizen and I am a Permenent resident of the US as of 2004 I have a credit score in Canada of 829 but not in the US..( fine ) My wife is a Doctor and is In the who's who in America, and her name is on the account, but I can't even get a 500 limit credit card as before.. My background in Canada is tax Consultant, Foresic Auditor for IWA Canada and United Steel Workers of America for years and years, own a house in Canada paid for and 9 lots, and Bank Accounts in Vancouver etc because I am a deemed Canadian Resident and a USA resident...We own our house in Seal Beach and free of debt except for a 35' Motorhome. BOTTM LINE: We have money in the Chase Bank but I can't even get a credit card in my name..only...both yes...no way...So I have to Charge on my Canadian Credit Cards, which my American Express, Visa, Mastercard, Sears etc and with no balances...Bye Chase, to bad Wamu was great and a good bank. I'll just go to Wells Fargo ( Where my wife as been with for 25 years ) and deposit all my money from Chase and I will have my wife back up my credit card and forget about Chase. I never needed a credit card just a debt card anyway, but shows you what kind of a bank Chase is...

Chase home mortgage [protected]) just keeps calling to solicit business. I get 4 phone calls each day, including weekends, on my home phone. They refuse to stop calling, and once when I asked what it would take to get them to stop, the caller said "a court order" and hung up. Verizon will only help me if I am willing to go to court, a route which I am starting to consider. My wife has asked her attorney to get involved and i'm afraid to ask how much this will cost us, but so far the attorney has been ineffective at stopping the harassing phone calls.

Just a fair warning that this system is NOT "Quick", nor are you likely to get paid. This bank hold the money in abeyance until two small deposits can be made into your account and then (supposedly) they will release the total funds. Won't happen, especially if you, as the receiver of the funds, are not a Chase Bank customer. And to top it all off, their horrible customer service department - who are apparently outsourced - cannot be understood, and are not going to help resolve the problem at all. They just don't care, and are free to treat people like crap, because nobody can track them down to chastise them. In the end, after spending 3 hours of my life on the phone, I canceled all incoming funds and completely deleted my account. I also plan on getting rid of any credit cards associated with Chase.

I have done everything possible I know to get my payment on time to Chase Health Advance and I am the lose every single time. I am a teacher and I am payed once a month. I pay all of my bills on the 30th or the first of the month and they all receive my payments except these people because of the penalties. I have tried calling to change the date, make the payment over the phone, give them a blank check to make the deduction every month and it is always a no or a penalty. I made the payment on line and they said they did not receive it. I registered the letter and it got there on the 5th but they were closed just one hour earlier, why was I surprised. I am now paying a $500.00 interest fee. I am so upset I tried calling and they just said "too bad". I am disgusted by this company. There is no where to go to pay in person, there is nobody to talk to that does not say "too bad". I even tried pleading and asking them what I could do to rectify the problem and the supervisors response was make 2 payments at once and that would put me a month ahead and guess what? They took that payment as one month and charged me again. If I am able to I am going to contact every company that uses Chase Health Advance and tell them what a despicable company they are using.

I just saw a spot on TV last night regarding a lady that was strung out by Chase Mortgage with the promise of a Mortgage Modification for months and months. I was hospitalized for several months with an illness and exhausted my emergency fund. I am now back on my feet and making rapid progress toward bringing all my finances into good order - except for the Chase Mortgage.

Their process is to suspend your mortgage so you can't make a payment if you want to do so and send you piles of paperwork, which they lose repeatedly. Since the mortgage is in a suspended state the late payments continue to accrue while they "process the modification." Then if you are accepted into the program you are instructed to make adjusted monthly payments for varying monthly periods. Mine is 3 and I just paid the 3rd. The issue is that they are using this period of several months to string you out for months of back payments and then they decline you and foreclose. This is an extremely fraudulent process and should be investigated. I want be holding my breath. I could have brought my mortgage current early on but their optimistic assessment of my case got me into a serious problem. I have been in my home for 16 years and never thought I would be in this kind of situation. Chase Mortgage is simply a government driven crooked entity and if you can avoid ever doing business with them then I would do so. Of course they have no risk, they have Obama to bail their rotten ### out.

Someone used my bank account to fund a gambling website. I filed a claim at chase bank. They said there is nothing they would do because the fraudulant charges came from a gambling website. They also said I only had 60 days to recover the funds. During the start of this time they ran me around in circles. Saying i needed to send them a signed form. Then they never sent me the form. After 30 days of this they finally sent me the form. I filled it out and faxed it back immediately. Then they said it was over 60 days. Then they said it was a gambling site and they would do nothing to help me.. UNREAL how piss poor my banks claims people are.. I contacted this gambling site and they said they would do nothing, that my bank would have to charge them back. When I told my bank this they said they would do nothing.. UNREAL.. It is like this gambling site knew that my piss poor claim department at my bank would do nothing... MY BANK SCAMMED ME HERE!

I am unable to log into the CHASE WEBSITE to pay my bills today...I received error messages stating: " This website is temporarily unavailable. We're currently experiencing technical difficulties which have temporarily interrupted access to this website. We’re working to restore your access as quickly as possible and apologize for any inconvenience. If you need to speak with us about an urgent issue, please call the number below that relates to your account type"...CHASE has let me down once again, and I sure miss WA MU...Mary Strovink Daukas

I'd been severely injurred in a "Hit & Run" auto accident and lost my job. I went into Chase Bank to help only to lower my % rate and mortgage payment since economy is low and % has really lowered. I'd heard about all the "Obama" lower % & lower mortgage payment plans and asked for their help. They gave me abunch of paperwork saying it all would help do that. I filled it all out, submitted documents over and over for months and months and finally told me I was denied 6mos later. Then behind my back without permission, they paid my property taxes before they were even due. I'd never been late on my mortgage or my property taxes. Then when I paid them the Tax Collectors office said it was already paid and they did that with my Home Owners Insurance too. I found out, that through some legal sneaky fraudulent way, they could do that and take your home right out from underneath you! Luckily I caught it all in time and am still fixing it calling and writing letters everywhere! I had to get advice from an attorney. Don't let this Happen to you!

Online instructions are simple to get the insurance check processed to receive 1/3 of funds. After a month of run around about paperwork and then being told I MUST complete 50% of repairs to my home using my savings and retirement accounts (which wiped me out financially) I did so and according to "their" adjuster I reached 55% completion. In the state I live in MA we have a choice of "general contracting" any and all work being done on our homes, which I choose to do, always have, allows better control in getting the best workers.

So now I have no money left and have fallen 3 months behind on my mortgage. Chase collection dept. calls daily and transfers me to their loss draft dept. to hear the same story each time. Now I need to either catch up on my payments or get to 90% completion be for they release ANY funds. At this point neither can be done. So I live with my minor child in a house of mold that is unfinished.

The JP Morgan Chase Bank in Tujunga, CA, charges $6.00 to cash any check by a "non-customer" says branch manager Marsha Kouyoumjian. Marsha Kouyoumkian goes on to state that it doesn't matter if the check is $50 or $5, Chase Bank will still charge you $6.00 fee so if you have a check for $5 you would owe them $1. Today, I was charged $6 to cash a $60 check. That is a 10% check cashing fee. It kind of seems like highway robbery to me. Don't cash your checks at Chase unless you want to get ripped off! http://bankfraudblogspot.blogspot.com/

Do not use chase home finance for your next home mortgage or refinance. You are better off selecting any other mortgage company. You deserve better customer service that chase provides. I will never use chase for any of my financial matters and intend to tell anyone that will listen.

I live in the dfw area and i'm willing to provide names of specific loan officers so that you don't make the same mistake I did.

Please post this message to your wall or blog and tell anyone who will listen. Thank you