Chase Bank Reviews

Our major gripe is if there were insufficient funds in our account for 4 days, why were we able to use our debit cards so many times? We believe they continually allowed the card to be used in order to trap us into racking up transactions for them to penalize us for. The total of the 11 transactions was less than $75 and they took $317 in fees. We subsequently had conversations with three people at our local branch, including the manager, and got nowhere. After calling the corporate office in New York City, we were able to receive the second day's overdraft charges back as a refund. However, the following day we received another $64 in overdraft fees from the day prior as a direct result of the fees they had assessed. A final call was unsuccessful in obtaining any further refund. We are more than willing to provide further details upon contacting us. Please feel free.

Our family of 3 with a baby due in 4 weeks is living on one NY unemployment payment a week. The total of these overdraft fees exceed our entire unemployment payment for one week and were a direct result of Chase first failing to post transactions in a timely manner, and second allowing our debit cards to continue working when there were no funds in the account. This means that we cannot eat or pay any of the bills that were scheduled to be paid this week, in addition to having to go further in debt by borrowing money to survive while trying to sort this situation out. It is my opinion that Chase's corporate policies are designed to both deceive and take advantage of the average family. In a national recession, with unemployment nearing 10%, their behavior is abhorrent and irresponsible.

I went to my local branch and told them what happened, explaining I had never seen or never knew of this card. She looked it up and said I had that card for a few years. She couldn't explain why I never knew I had this card. It was never on any of my bank statements. I had to fill out a form stating the charge was not made by me. After filling the form, she called someone internally and had my card cancelled. She started to set up another card for me and I stopped her. I told her I didn't even know I had that card, so why would I want another card? She was very much like a "car salesperson" saying if I didn't have this card, I would be receiving a $12 monthly fee on my debit card account. I never wanted the card, but she insisted it was the best thing.

About a week later, I got 2 cards in the mail; one about 2 days before the other. The first card that came was the card I never knew I had. The second card was the same type, just a different number. I immediately went and saw this Chase person. I showed her both the cards, which she couldn't describe or understand; but without me saying a word, she had the erroneous card in her hand and proceeded to cut it up: "there, that fixes that". I was blown away. That branch seems very cowboy-ish.

So my thoughts are: did Chase make that charge on "my" card to lure me in? I’m in the process of finding my paperwork as I keep all my financial paperwork. I'm thinking I may find this card and see that the exp. date of the card was close to the time the erroneous charges were made. One more thing, when the lady at the local Chase told me I needed to keep my credit card active to avoid the $12 service fee, she didn't explain I need to make a monthly charge against the card. I used the card in the amount of $1200 the very first month helping an ex-employee. I figured he could make my payments and the $12 fee would be taken care of. Now, I still have to make a small monthly charge to avoid the service fee, a fee that they are still charging me for. I have gone into their bank twice now to have these fees reversed; and here again this month, the fee is on there again and I have used my credit card.

I'm being charge a $150 a year curtailment charge to have my credit line, plus the $12 monthly service fee if I don't use the credit card. There is something wrong about the way this all happened. There's a possibility I did have this credit card and never used it, but I find it suspicious that it had a simple magazine charge against it near the time it was going to possibly expire (I have to look into that). The physical damage is the fact that this bank displays a very hard sales pitch and I feel I have been victimized by their aggressive behavior. Every time I go in, they try to get me to open a personal checking account. I will never do business with them that way; and as soon as I get this figured out and can pay off my credit line, I will never want to deal with Chase again.

During the whole time for 2 years, we received no call from Washington Mutual, only their attorneys' sending that the home was in foreclosure. We did find out that the home was sold in January 2009. But we've searched public records, free and paid, and there's no record about who owns the property. We called back, and they gave us the telephone number to the Recovery Department at Washington Mutual. We called three (3) different numbers: 904-886-6152, 904-886-6153, and 904-886-6155. They were busy. The original number was for Washington Mutual which is 1-866-497-4038. We just keep going in circles.

We have tried everything and sent registered letters which they have signed for, and we got no response. We've informed them that under the president's guidelines, they should work with us to keep us in our home to no avail. We are at the point we are ready to just walk away and cut our losses. Even my mother, who is a dialysis patient, stated it's just too much to bear. We do call to find out this information, and once we get in touch with the right person or persons, will they be willing to work with us to help us keep our home.

The mortgage companies stink - they're willing to give you a loan, but when the money is there for assistance, you can't get the help with good or bad credit. And mine is pretty bad now. But I'm trying to move forward. What is our recourse. Since we purchased the house in 1995, the loan has been passed to many other lenders; but nothing compares to Washington Mutual. Select Portfolio did work out a forbearance agreement, and we jumped that hurdle. But Washington Mutual can't even give the correct information. Has the home been sold? What can we do to try and recover the loan? Finally, who is the owner/holder of the home?

I decided to short sale my home, as I could no longer afford it and because it had lost approximately $330,000 in value. I could not sell it under normal circumstances. I completed a short sale packet for my first mortgage and one for Washington Mutual bank. Within 60 days, I obtained approval from my first mortgage with the condition that the sale closed on 08/31/2009. This information was sent to Washington Mutual bank, and to date, I have not heard from them. On 08/28/09, I called Washington Mutual bank and found that despite the fact that they had been in possession of my short sale request, they could not give me an answer as to whether or not it was approved. I was advised that Chase bank had taken over Washington Mutual and that there was a conversion taking place.

I called Chase bank, explained the circumstances, and was told that Washington Mutual bank still had the paperwork. Due to the fact that we were past the deadline given by the first mortgage, I requested an extension of the loan approval. I was given an extension until 09/18/2009. I called Washington Mutual Bank again and advised them to escalate this information to the person in possession of my loan. The person's name provided was Mr. **. They have had a month to review and approve or deny this short sale. My buyers have been approved for three weeks and have been patiently waiting for the sale to close. I am asking for assistance in getting Washington Mutual/Chase bank to escalate my request for a short sale approval to avoid foreclosure by the first mortgage.

A large sum of our hard-earned savings is not available. Chase has caused undue hardship because we had planned to use the money for household repairs, which have been put on hold. We have a shower in our home that is not operational because we don't have the money to have it repaired. My husband has insisted on doing the work himself because the payment has not come to us as promised. I worry that this may be a long term ordeal. Each day when I get home and check my mail, no payment has come. In the meantime, my husband is on his hands and knees in the shower trying to make the repair himself. We are both in our mid-50's and he has bad knees.

The merchant who has the money is telling Chase, "Take it back." The bank says, “No! You refund the customer!” This is not how it works, though, and AT&T is taking back by how Chase is saying no. So, then I get a letter and proof to show Chase that it did not apply to my account. So, how can AT&T refund it? They get the letter and proof and still they closed the claim for the seventh time. I am in complete shock that even with AT&T saying take the money back and a letter and proof, they still will not give me back the money. So, I paid someone's AT&T bill for the month of June and that’s it!

The funny thing is I can’t close my account because they say I'm still in a dispute over this. I bounced a rent check and paid $110 for fees because of the fraud charge, so I am out $375.53. I have been yelled at, told off, hung up on more than 20 times. I have spent hour upon hour to no avail. This bank that change from WAMU is nuts. People can just use your money to pay bills and Chase will do nothing. That money, the $265.53, I worked for it and earned it, but some person somewhere has free phone service because of me? No! It’s because of Chase Bank. If you bank with Chase, good luck. I hope you like giving your money away and giving all control of your hard earned money to Chase Bank. They control your money, not you. By the way, no PIN or signature or three-number security code was used to make the fraud payment, but Chase still let my money go right out the door. They know 100% with proof that I did not make nor authorize that payment, but they do not care.

Based on the amounts of the purchases, Chase made over 300% profit! If I wouldn't have made the $310.00 deposit, the account would have absorbed his entire paycheck when direct deposit hit. Sad that I had my daughter open an account at Chase and she has had nothing but problems as well. Weird internet purchases that she didn't authorize, Chase reward program fees, etc. I have 3 more children who are at the age to establish student checking accounts. I will not be sending them to Chase. I am encouraging my other two to establish accounts with other banks (hopefully, none that Chase will acquire anytime soon) as well as myself.

Well, here it is Wednesday, August 26, and I am still waiting. I called Christian at about 1 pm and he said he would make some phone calls and get back with me. After 1&1/2 hours, there was no call back. So I called Chase and was put on hold for 33 minutes. So, I called on my cellphone, keeping the other phone on hold. When it was picked up by a very rude lady, she told me that Christian was at lunch. So now, I am writing this letter. We never had these problems in the 10 years with Washington Mutual. Is there no recourse?

Keep in mind this all started with WaMu/Chase lack of proper communication to me. Since then, WaMu has totally converted over to Chase, which since my business accounts were new, they ran them back through ChexSystems and the reporting from Bank of America came up. Once this happened, the accounts at Chase were immediately closed. Due to this incident, I have not been able to effectively operate as a business or a person financially. Reason being Bank of America refuses to change or remove my status at check systems although I have provided them with all the evidence that this was not fraudulent activity. Chase refuses to give me an account although they initiated this cycle which was out of my control.

I have done everything within my power to prove my innocence and show myself as an honorable banker. I have all the corresponding letters, receipts and documentation to support my case. I have lost several business opportunities to make money and provide for my 5 member family due to this situation. What I need is for my name to be cleared from ChexSystems as being fraudulent and my ability to get an account to be restored. I believe Chase needs to take responsibility in making this all start.

I have not been able to operate business and personal life situations because I cannot cash or utilize funds paid to me for business or even buy needed things for my family as well as pay bills due to this situation. I have lost considerable amounts due to this situation and will continue until this is resolve. These two banks have severely handicapped me in operating in life with financial normalness by one WaMu/Chase not taking responsibility in all this, and Bank of America being negligent and uncooperative in clearing up this matter with proof.

Here's their exact response: "I appreciate this opportunity to reply to your inquiry with regards to the increase in minimum payment of your account. Our records indicate that a change in terms notice was sent to you in June 2009, which advised of changes to the required minimum payment for your account, and its effective date. As a careful and responsible lender, Chase consistently evaluates market conditions, including the risks and costs of funding credit card loans. When necessary, changes are made in pricing, terms or credit based on this evaluation. These factors that have always been monitored, take on added importance in today’s economic environment. The June 2009 minimum due change in terms notice became effective on your account as of 08/01/2009. Please contact us at the toll-free number found on the back of your card and also on your billing statement so we can discuss payment options that may be available to you. For your convenience, we are available 24 hours a day to serve you."

I responded (via e-mail) by asking if I had the option not to accept the new terms and just continue to pay via the originally agreed upon terms and not ever again use the card. I'm still waiting for an answer but based on what I've read here, I expect that the answer will be no. I cannot afford the higher payment nor can I afford to pay a higher interest rate. There must be some relief for this many consumers who are finding themselves in this same predicament. What's the purpose of accepting a low APR balance transfer option for the life of a loan if the lender then can arbitrarily change the terms of the agreement?

Because I just discovered this sudden change in terms, I don't know how I'm going to deal with it or how it's going to affect me. I'm a single parent and I have no extra money to put toward this debt. Right now, I'm thinking that if the original terms of my agreement with Chase aren't reinstated then, at a minimum, I will no longer be able to pay for my daughter to attend community college (jeez, I haven't even finished paying for Fall, 2009) and she'll have to drop out. I also don't know how I'll pay the second half of my property taxes or how I'll pay the remainder of my monthly debt. A $420.00 increase in the minimum payment per month is what I use to pay for groceries, gas/electric, put towards insurance, etc. That's a lot of money for me.

In my profession, I can be disciplined and/or even lose my job if I don't pay my bills. I feel like I'm having a bad dream and I just can't wake up from it. I don't know what to do or how to do it. Perhaps, I should write to my Attorney General. Someone has to do something about this.

The debit of the overdraft fees from my account caused my next two debits to also be classified as insufficient which resulted in two more insufficient fees in the amount of $68. In essence, the information I was given does not line up with the bank's practices. I think that it's also unethical that the online account is not updated real time, as WaMu did, and that there is no difference from pending and authorized. It's frustrating when your online banking account is not updated so that you can make an informed decision and you are still allowed to make debits for $2 that result in a charge of $34. Something has got to change.

Meanwhile, checks were bouncing and insufficient funds were accruing. I constantly attempted to work this out with the branch manager, who was never available. I ultimately wrote him a letter and said that I would cover the amount that was used in the account, but would not pay for the overdraft charges. I had $5.00 left in that account and indicated that I wanted to close the account, but they would not let me because it was still in dispute. Later, I got a letter indicating that a $20.00, which I know was part of the amount that I covered had not cleared. They accrued $250.00 in overdraft charges and then closed the account. I refused to pay that amount and it has been in collections ever since. I have told the phone callers every time that I would only pay that amount when a judge told me I had to.

When the check was returned, I opened a checking account with WAMU whom I loved. They accepted the check without a problem. Now that WAMU has become Chase, the minute that the account changed over, they took money out of my account without any warning and paid off that $283.18 amount that had been in collections then accrued another $250.00 in insufficient funds on that account. I had purposely left Chase because of the problems I had had with them and when WAMU was turning into Chase, I had gone to another bank to open an account with them. They refused because Chase had it on record that I had unpaid business with them! What is the little guy to do? Who do you turn to make these problems right?

After 10 minutes and three rather confused employees and a supervisor, it was discovered that they had to switch their system over to the old WaMu side to view my accounts. I was told the reason why is because I have California accounts and because of this, I will be treated as a non-bank customer until the end of integration which is at the end of October! I was still living in CA when WaMu branches became Chase, but they still are on the WaMu computer system and will be the last state to convert. Well, why would you rebrand if you weren't going to integrate? And, not tell customers in CA that they wouldn't be able to bank out of state!?

Since the end of July (the 27th is when they switched in all states other than CA), I am only able to withdraw funds at an ATM, no transferring money, no deposits, nothing! What is the point of banking with them then? It gets better. If I want to bank with them, I have to make a deposit at the window or the Express box, and they send the payments to CA to process, causing a further delay even if it's cash! So, the line was out the door at my local branch. I can't go to a real Chase branch because they can't pull up my acct. info. So instead of waiting in line, I used the Express drop in the old WaMu branch, $1200 cash as I have for many years in CA.

I have the stub from the envelope, but the deposit was never credited. It's been almost three weeks and no deposit. I call everyday and they have no record and tell me I need to make another deposit because my account was overdrawn due to a check clearing. The $1200 would have more than covered it had they credited it the day I was in the branch, or at least noted it, right?

To this day, I am without help, without my money, and I am overdrawn. I set up an external bank (through my other bank at Citi) so I can electronically transfer money to that account. Citi had to make a small deposit to verify the account (it was $0.30). Then, they journal it out. Well, they took the $0.30 out and Chase charged me $33 on it because I was overdrawn from them losing my deposit!

The ATM must have forgotten to post the activity after giving me my new balance. The claims department is insensitive and the branch employees seem worse ironically. I'm pretty much struggling with them to just give me my money or my check so that I can move on. Not to mention, I have been banking with Chase for only 3-4 months and this is the second major issue I’ve had with them. Should I just buy a safe and keep it in my apartment?

I wrote the check for $150 to Villagio Apartments at a rate of 0% through January 2010. Two weeks later, I received a letter from Chase telling me the check has been returned since they decided to lower my available credit line. Even with the lowered credit line, that left me with enough credit to cover the $150 so it made no sense that they lower the credit line after sending the checks and telling me on that phone call it was okay to use - and further explaining the promotional program.

Chase would not budge; they say it's within their disclosures to change credit lines at any given time regardless of promises made. The vendor, Villagio, has charged me a total of $60 in NSF fees due to this situation. In addition, I can no longer write personal checks to this vendor as they will only accept cashier or money order for future payments due to the NSF from Chase.

In my line of work, insurance and financial products, these types of practices have been illegal for years and are commonly known as bait and switch. I know the rules are now different for credit card companies due to recent legislation but that's only effective this week (8/20/09) forward. Chase pulled this scam with me two weeks ago, getting them under the new regulation. That's wrong. I would like to pursue this, and get restitution for the $60 it cost me in fees from the vendor and a letter of apology would be the ethical action, not to mention professional!

An account I rarely use had $10 in it but overdrafted because they subtracted $20. So, I called and they said I requested the last 4 months. Why would I do that? The home loan lender only cares about the last two months. After leaving me on hold forever, I'm presuming while they listened to a recording of my call, they said they can credit $40 back which is fine even though the woman repeatedly said $5 per account. But then, they say I'm still on the hook for the overdraft fee for the acct. I rarely use which was wrongly charged an extra $10. That was not acceptable and I told them that's exactly why I would never let Chase do my home loan. Then, he reverses and said the overdraft fee will be credited back. We'll see if that happens.

The thing that gets me is that by signing up for paperless statements, the bank saves money in paper, postage, etc. But lenders don't accept that when applying for a home loan and then Chase charges me money for saving them money in the first place! Also, the customer service survey at the end of the call is useless. It is only rating that person you most recently talked to, not the previous person who messed everything up or anything about the bank itself!

The so called "manager" whom sounded 12 years old, told me that I had access to this family member’s account online. Mind you I was staring at my page, no account but my own. Needless to say, I am out the money, it is gone. They are unwilling to help me solve this issue. I will be closing my account immediately and would suggest that the general population should as well. At some point, something will go wrong and you, the customer, will be to blame. Consequences: unauthorized debits to my account upwards of $2,000 total, unauthorized transfers of $1047 to accounts that are not mine.

Both my mother and I have limited means. We both work hard for our money and don't get anything from anyone. We were both wiped out by this. All of our automatic payments didn't go through. I had a check from my 401K that was supposed to be deposited that was rejected. Both my mother and I spent all day today at the bank trying to get this resolved, losing a day of work and pay.

Both of us are emotionally wiped out by this and having to take off of work to get this resolved. Neither one of us has ever been in any trouble or done anything illegal but we were treated like criminals by Chase. I do have to say though that the branch manager at the Naperville location we went to was the most helpful person I have ever dealt with at Chase. She was the only person we talked to who did a damn thing about the whole situation. I have to thank her and have to say, she worked her butt off trying to get answers from Chase for us. They were even nasty to her.

Needless to say, we have both moved on to a credit union that will undoubtedly be a far better option for us. In that, we won't be at the mercy of the Chase computer system, which no one seems to be able to control. I am cancelling any and everything I have with Chase. See below what they did to my account. These people are the criminals.

Total balance: $-9,998,802.09

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After three weeks, I was told another appraisal would have to be done. How convenient since the last appraisal was done in March and the value has probably dropped. Now, the loan has been moved to another processor and it is 08/17/09. I have been told the loan would close shortly several times in the past five months. This process has been going on for five months now and I have lost several hundred dollars in what I would have saved if the loan had been closed in a timely manner. WaMu has used delaying tactics, horrible customer service and unfair practices while processing this loan.

This is outrageous. In today's economy to have these big corporations such as Chase ripping people off by charging them $35 on a $1.60 transaction that wasn’t even approved until after a deposit was made. Technically, the account isn’t even overdrawn. I hate Chase. They're a monopoly that doesn't care about customer service or customer's financial well-being. I can’t afford to dish out $35 fees on transactions of $1.60. May all the representatives and executives that support this policy rot in hell.

The next day, when I was going through my online statement, to my shock, I was charged $32 towards the stop payment. I called the bank again expressing shock over the $32 charges towards the stop payment and questioned her as to why she had not informed me of the same when I gave in the request. She mentioned that there was no need for her to inform me of the charges since she assumes that I was read the document thoroughly provided to us at the time of opening the account. I did try and explain to her that when the bank is charging the customer for a service, it was her duty to inform me that it is a chargeable service. She told me that the power to reverse the charges lies only with the branch manager and she would check with him and call me back.

When I did not receive her call back, I called back the next day to follow. She told me that nothing could be done on the reversal of the charges. I called the bank manager and explained the issue to him. The bank manager agreed that the rep should have informed me of the charges and also accepted that the bank representatives lacked coaching with regards to these kind of issues. I asked him as to why I am being penalized for lack of coaching on the part of the bank to its employees, to which he responded that he was sorry for what happened to me; however, he would not reverse the charges. I also asked him if I could cancel the stop payment request, to which he told me that even in that case, the charges would not be reversed.

I am at a loss to understand that for the lack of coaching to the employees from the bank, why customers are penalized.

Why let you pay 5% effective annual rate when they can jack you to 24-30%? You pay late, and your transfer deal is forfeited and they know that. They probably planned it when they sent millions of those transfer offers out. Let's rope these folks and let them think we want their long term business and then down the road, we'll make the terms impossible to meet so we can force them to default and get crazy rate and ruin their credit (30 days past due if you don't pay in full, everybody!). Maybe we should all just default and send Chase the message to go screw themselves. And, no bailout money to these idiots. Chase should go the way of Lehman and others.

Also, everyone, remember to contact that law firm in NYC - they want backup info about the transfers. Let's help them build a case! Hang in there everybody. What goes around comes around. Come on, Karma!

Instead of one overdraft fee for Walmart, they put that one through and make me pay 4 overdraft fees on the smaller (dollar) purchases at $35 a piece. The crazy thing is they made it look like the overdraft fees were paid before the Walmart purchase, which made the Walmart purchase also incur a $35 fee. That's $175 alone in fees in just a week! Since WAMU switched over I have been charged $385 in over-draft charges alone (not to mention the places that charge you on their side for transactions not going through)! I've only been with Chase since 7/28/09 and I hate it!

I was frustrated, as wire transfers should be a fast and effective way to send money. I spoke to the manager, and he did say sorry to me but seemed to be going through the motions. He was not very empathetic. Eventually, he rudely hung up the phone on me as he said he did not want to listen anymore. Any customer would be stressed in this situation, and the WaMu branch should have been more understanding, since it was a mistake on their part. The manager said that I would have to come back to the branch to sign a new paper to send the correct wire transfer. He did not want to explain why this was necessary.

Please advise them to be courteous towards customers and to double check their work when customers have concerns. They should also be more careful when sending wire transfers. This is not the first time that I have experienced a mistake by WaMu when sending a wire transfer. Thank you.

Well I feel heartbroken and taken advantage of. I trusted the bank with my money and now I don't even feel secure having my money there. I count on that money to take care of my daily needs being that I’m only working part time now.

How is that the responsible homeowner, who sacrifices and has remained current with monthly payments and did not purchase an astronomical mortgage, can be punished while others reap the benefits? What is the plan of action from the government, banking regulators, etc. to prevent this? Please provide me with any additional personnel to contact. Thank you.

My fraud was easily resolved with WaMu within a few days and I called Chase to see if I had any fees on my CC# account. Sure enough, they had charged me a $40 returned check fee. I advised the rep of the situation and how a supervisor told me the fee would be waived due to the recent fraud on my checking account. The rep simply stated, "We don't reverse fees ma'am." I explained the situation again in detail to which he responded again, "We don't reverse any fees ma'am." I asked to speak to a supervisor and he stated, "The supervisor will not be able to waive the fee ma'am." Since this is all the gentleman seemed to be able to say, I hung up and called back the next day.

I had the same experience of talking to a brick wall except with an even ruder and more condescending rep. I gave up and made a payment of $200 on my debit card later that same day. Finally, I was able to access a computer to view my accounts personally. I noticed my WaMu checking account was overdrafted by over $100. I investigated and saw that Chase had debited the $150 payment directly from my checking account without my authorization in addition to the payment of $200 I had already made.

I have always managed my accounts responsibly and always pay more than the minimum due on my CC# every month. The fact that Chase is not assisting its customers even in circumstances out of their control is despicable. They knew my check would not clear due to the fraud but they cashed it anyway, charged me a returned check fee, refused to work with me after saying they would, and then debited my checking account without my authorization causing me to be overdraft. They have caused me more stress in they past couple of weeks than I have ever experienced with any other financial situation in my life. I am sure my credit score has been affected, not to mention overdraft charges. I feel like I am a prisoner until I can finally get rid of this account.

Since day one, I have e-mailed the company and made numerous phone calls - no response. So, we contacted the lawyer’s office but no one ever called us back. We received a letter in the mail stating we had a court date. We went and finally talked to their lawyer. She told us that they were gonna re-modify our loan. We said, “Great! Can we have a number of someone to talk to, to find out how much we owe?” She said, "I don't have the numbers on me but I will call you this week with an amount." We said, “Great!” Well, a week later, I tried contacting her and left numerous messages but no return phone call. We received a letter in the mail stating an amount that we owed on that date which was June 1st, but it said from the date of the letter, which was May 13th, to the date on the amount, that it would be higher due to other charges.

I tried forever to contact them, to tell them we have the money but we needed to know the full amount. We left numerous messages but no return phone calls. We also tried contacting WaMu, but all we got was a recording to “call this number” and “call that number” which was a dead end. Someone else from the attorney’s office finally contacted me saying to send the money. I told them I wanted to see paperwork stating my house was back in my name if I gave them the money. She told me there was no paperwork. My lawyer advised me not to send any money until they had the paperwork. We tried contacting them and they told me a few days later to try to find out what to do and they told me we missed our deadline and that there was nothing they could do.

We went back to court hoping to give them the money that we owed which was $9000. They didn't want it. They said there was nothing they could do and that we could buy our house back for the price they bought it for and that was it. My lawyer showed them the check but they didn't care. So now my family and I are losing our home because of a mistake they made, and the left hand doesn't know what the right hand is doing at this company. We can afford our house payment and pay the back payments and all penalties, but they would rather take a home away from three children. I would like to know how this can happen. It's just not fair. With school starting, we have no place to go. It's not easy finding a place for a family of five, but companies like that just don't care. I hope they sit on my house forever and never sell it, it would serve them right!

I'm harassed day in and day out by their terrorist collection department. I've sent them a letter several times asking them to stop but they've ignored it. I still make a payment every month but still, I'm treated like a common criminal. Someone needs to stop this company's tactics. They whined for a bailout from Washington and got it. But now, when their customers ask them for help, they block every attempt. Please help me.

Note: WaMu wouldn't lower the interest rate or opt us into a fixed mortgage! It was all a sham - laundering of money, whatever those banks do to get rich at the expense of the working class. Our mortgage payments were huge! Our home wasn't worth what we now owed, but we made our payments. This home was our life dream. Anyway, my husband who was self-employed in the logging industry brought a piece of equipment that was a lemon, a very expensive lemon. We knew we were heading down the path of not being able to meet our full monthly payments and like all the testimonials before me, it was months before anyone at WaMu even admitted they had received our migration form with full documentation sent via certified mail or return receipt. I have all the documentation of calls made.

Note: their phone number was even disconnected or you would wait literally an hour on hold and then be hung up on. It was/is an emotional roller-coaster. My husband has since lost his business after 20 years of being successful. Thankfully I still have a full-time job. Our home was sold at the sheriff’s sale for 1/3 the mortgage amount to yet another bank called Deutsch Bank (I'm told one of the largest in the world). The attorneys handling it are from a firm in down-state from where I live in northern Michigan. When I contacted them about redeeming our home before our 2/20/10 eviction date asking if there would be a clear title if we were able to come up with the now affordable redemption amount (if I can get someone to finance it now that our credit is destroyed), they couldn't answer it and gave me a number to contact WaMu. In tying to contact this number, I am given an email address to contact. In using this email address, I can not verify anything as it only list two homes in my area that in are foreclosure, none of which are mine. Please, is there someone or some program that would help us? Thank you.

I have noticed other rather unscrupulous methods that Chase uses in regard to "pending" deposits, but immediate withdrawals. Also, the checks that are received under the "pending" deposits are submitted not according to the date received, but the amount of the check. The higher the amount, the first to be pulled from the account; hence, the potential for more insufficient fund charges. As far as I'm concerned, they are underhanded with their banking procedures. It remains to be seen if the checks are honored that are coming through and if there are more charges to my account for insufficient funds.

Following that, I've sent them several letters certifying (by the US Council in South Africa) that I'm still alive and need access to the funds. Considering that my internet access was blocked for no apparent reason, the cheque account was closed and I could not contact them telephonically because, obviously, I do not have Social Security Number; all the access routes to my savings account were cut empty. It has been all together over a year and a half of huge amount of correspondence, each time resulting in a new excuse from Wamu not to complete transfer and a huge struggle to get my money. Last one said, the transfer was stopped at customer’s request. Do you really think I would stop them from giving me my money?!

Mike has since had his check mailed to him instead of going into the bank and that bank is going to make me pay it after they had said that they would remove me from the account when I sent back the seignior card. I finally got it in the mail 2 months and 2 days after I had requested it so on July 29th, I went to town, had it notarized and faxed to Chase, then also mailed it to the bank, waited the 5 business days then called Lillana back to request a copy of the removal when I was told that I had to pay the now $256.27 in order to do so. She said that I was never told that I would be taken off while it was in the (-). All Chase Bank does is lie and let people get into financial trouble when they try to do what is right. I have been going through with this nonsense since May 22, 2009 and all the phone calls for nothing.

We know now that they have all the documents they needed. Today (8/5/2009), I called them up and they said they only have a few documents and that my case has not been given a handler. I am not behind on my payments, but my wife lost her job due to illness and I need the modification. I have investigated this modification process with Washington Mutual on the internet and I find this deceptive stalling practice is rampant. Unfortunately, no one is getting a loan modification grant. Do you know anyone who got one? Bet you don’t. And we bailed them out! (Chase)

I think the problem is that people are not paying their credit cards; therefore, Washington Mutual (Chase owned) does not have the money even though they got bailed out by the Fed. I wish to join a class action suit. Please enter my name into the class action suit. I spent my wife’s retirement savings to keep the mortgage current.

It is now August, and the loss mitigation department cannot find my paperwork. They told me they have no idea what to tell me other than I will have to try through Chase and start the whole process all over. Six months have been wasted. WaMu should not be able to get away with this.

Soon after, I spoke to a customer service representative. She was not aware of the "new policy." And in all cases that my check was under $100, they are still okay to cash it. Anyways, Melinda was rude and unprofessional. She told me they had never cashed a check for me in the past in this same case, when they have every other week. Not to mention, Melinda said, "Maybe, you can just go to Wells Fargo if you really need that $82." I had no problem with Chase in the past, but I am completely unhappy with the service/treatment I got today. And I'm also disappointed with the supervisor at the Bay Area store. She needs to be replaced.

I will not be able to afford the new payment which takes effect in August and this will affect my excellent credit score because I will continue to pay but only at the 2% level. Banks that act like this have me thinking really hard about filing for Bankruptcy and starting over. I have always paid my bills on time my whole life and now when things are hard for millions of us in this country, the banks just drive the nails into our coffins. I just had to get this off my chest.

Every representative I spoke to said the same thing and I had to explain to them numerous times what I had already told them, as if none of the representatives I spoke to ever made a note of it. Also, when I initially filed the claim, I gave them a police report number and they said they would look into it. My claim was denied and they said they had not seen a police report. So, I obtained a copy myself and faxed it to them. They said they received it and I waited again. Denied, again. Why? They still had not seen the police report. So I faxed it yet again. This time, I made sure they read it to me in order to ensure they actually had it. So I waited again and once again, as you can imagine, denied.

This time, they said it was because I had purchased from some of the stores they used my card at, it looked as though it was me making the purchases. Of course, I bought stuff from those same places! I was living there and the closest place to get food was Jack in the Box (where they had made several purchases, as did I) and a Valero gas station. I demanded it be reviewed again, but they said the investigators would not look at it a fourth time. I was very upset considering every time they reviewed it, they reviewed incorrect information because of horrible customer service on their side. I'm tired of being run around in circles.

Two months later, I received a different trial modification offer from WaMu. Multiple calls, messages and letter to the original person on the modification all went unanswered. So, I continued to make the payment amount by the date specified on the first trial modification. Then, in July, when I called in to make my payment, the rep informed me that I had been late every month and the amount was wrong. She explained to me that the (and I quote) "first offer wasn't valid." At no point did WaMu write me a letter or explain to me that they had made a mistake and sent out back offers. I have contacted them so many times that my phone dials by itself at this point!

To date, I have no information on my house. I am still making trial payments 5 months later. No one will return my calls. No one will tell me anything. I don't know if I will have a house next month or what is going on. I am flabbergasted that WaMu is still allowed to function at all. JP Morgan should be embarrassed by the antics in their WaMu offices. It makes me wonder if JP Morgan is truly any better.

Look at what they are doing to all of us. This is where the law has to step in and force this company to do something or take over their accounts and they would get nothing. Maybe we should all rally and stop paying our mortgage payments until they start helping us. I really don't know if the credit report bureaus will really be able to state that you have bad credit - when you think about it, who won't in this economy? I hate this mortgage company and all the people they have brainwashed working there. Every one of them is a liar and dishonest. How can you look yourself in the mirror? My house was appraised at $455,000 two years ago. It appraised for $260,000 in January 2009. We owe $323,000 on it. We wanted to refinance but because of all the foreclosed comparables, the appraisal came in way too low. We would sell it, but who would buy it? We are all screwed.

I wrote a check on July 27 for $23.30. I knew I could be short some funds, but I knew that I had funds coming in on July 29 and hoped the check would not clear before the deposit. The check cleared - but not only did Chase post that check as insufficient funds - they rearranged the way they paid funds out of my account so that the check posted before three small debit card transactions that had been made prior to that check being written by three to four days. The amounts were shown as "pending" on my account because I did check to see what my balance was at the time I wrote the check. When the check for $23.30 came in 3 to 4 days later than those charges, they rearranged the withdrawals so that not only was the one check overdrawn - there were now three transactions overdrawn.

The customer care agent said that they post transactions by the date the service turns the amount into Chase. However, they withdraw the money from my account "set it aside" so it is not available to me when I make the transaction.

How can they have it both ways? I cannot use my money. They haven't paid the merchant and if a check comes in later than all of those transactions, if it is larger, it becomes number one to be paid. Consequently, Chase is charging me overdraft fees on three checks instead of one check. Instead of $30, I will now be charged $90 even though only one check was overdrawn on my account.

I was in a hurry to deposit this money before work, and he was already at work and unable to deposit. We are former Wamu customers and have never, ever needed to jump through hoops to make a deposit. I was not looking for his account number, nor did I need to know his balance or receive a receipt. I strictly wanted the teller to take the check and deposit it. She refused to do so. We are both considering closing our accounts because deposit banks that refuse deposits don't work for us!

I contacted the BBB and have filed a complaint with them. Is this really legal? I know it states in the Chase agreement they can decrease, increase or cancel a line of credit anytime. But it does not state it will be reported to the credit bureau which may or may not affect the credit score. Basically in my eyes, Chase has lied on my husband's credit report by stating he closed the account. Can they really get away with this? We are concerned this may affect mine and his credit scores. We have worked a long time to raise the scores and this past March, we bought our home which took six months to do. I believe Chase lied and it is being reported on our credit report.

We moved on the strength of the appraisal from San Francisco to Campbell with the intent of opening a restaurant. Now our life is on hold. My real estate agent stated recently that even if I could find a buyer, there are no loans available. The banks aren't lending and not refinancing. So what are they doing with the bail out money? And all the while, they're stealing $750 a pop to any unsuspecting applicant when they have no intention of approving their application. I believe this is predatory lending. Won't the government step in and regulate? The banks are like the DMV now, with no one to oversee and are able to do whatever they want. They are cherry picking and lending and refinancing only to those who don't actually need the help. This was told to me first hand by my agent. They turned down an applicant until they discovered he had $4,000,000 in savings, and then they approved him. What does that say?

The next morning, I talked to the bank manger and told her that I withdrew only $900 and have shown them the receipt and she told me they will look case in detail and will get back to me as soon as she can. She took the copy of the receipt. I also e-mailed her and explained her situations and how sad I am with the situation. After a week, she called me and said to me I withdrew $1900. She said their video footage showed I withdrew $1900. I have seen the video footage myself, and it does not clearly show the money the teller counted in front of me.

I reported the case to the university I was attending at that time. I also reported the case to the police, although they were not cooperative. I was told by the police that this was not a criminal case and they would not get involved in it. Later, on 03/27/09, I went with someone from the university to Chase Bank to show them the video footage, a blind person can witness for me. I also reported the case to the controller of the currency. This office contacted Chase Bank, but the bank didn't respond to their letter. One more thing is that, the scanned handwritten withdrawal slip which the bank documented in their system showed $1900 (this was the withdrawal slip which I had handwritten and handed to the teller to withdraw $900). I have no idea where the number in front of the $900 came from. I am 100% sure that I had only handwritten $900 on the withdrawal slip. The next morning on 06 March 2009 early morning, I asked them to give me the original of the handwritten withdrawal slip, but I was told that they immediately disposed of the slip and they don't have it.

When this happened, I was a student and the error put me in a difficult situation. Thanks to God, now, I have a very good job. Now I moved to another state and don't know how to take the case further. Those who have a bit of advice, please e-mail me. Looking forward to hear from you.

I called up Chase and they said based on Experian, yada, yada, yada. Today, my daughter called and said the other card I gave her to use only for an emergency was declined. That other card was one of the ex-Providian cards that I've had for over 7 years that Chase just closed for no reason. Now, she has no cards she can use to survive an emergency and I have to scramble to add her name to a card somewhere else. I went to Experian and pulled today’s credit report along with their version of a FICO score to see what Chase was seeing. My PLUS Score is 785 out of a possible 830 and, according to them, in the top 87% of all clients. The report says, “There are no negative items reported,” and all of my accounts are in “good standing.” Someone just left a complaint here saying there's nothing they can do to fight city hall.

I disagree. I hope everyone that got the WaMuClosure1 letter does the things mentioned earlier to combat this treatment:

6. Talk, email, chat, or blog - whatever form of communication you use to everyone you know about what Chase has done to you. Talk to your neighbors, classmates, relatives, co-workers, people you meet at a party. Post on your MySpace, on your Facebook - any chance you get and tell them about Chase Bank. I only wish someone told me ahead of time of what Chase is doing so I could prepare for the assault.

Is it legal for a bank to mishandle such information? I can find no laws and I find no help. I know I am not the only one and the information needs to be made available and we need some form of recourse.

When we told him our credit was fine and we don't need to contact Experian, he said, “Read the letter,” and then hung up on us! We have come to realize that this letter is a made-up confusing form letter to close all of the WaMu customer accounts. Even the jerks on the phone don't know what to say. They just keep repeating themselves. I hope a lawyer will see this and take some action. Chase is ruining all of our credit ratings just so they can overspend buying out other companies! Please stop using Chase. Maybe we can put them out of business!

I have viewed other complaints from people writing about their problems to you and I have experienced all of their problems also. I don't know who I could contact that can lend a hand to the problems I am having. Does anyone in Washington following up to see how these companies that they are providing tax dollars to are handling their lack of response to consumers who are waiting months for a reply from their financial institutions?! If you know of any agency I can contact for help in this matter, I would appreciate it!

I tried to go in to take some money out on an account that was supposed to have overdraft and I was informed that I couldn't do that anymore because since Chase took over WaMu, they had removed my limit and I was left with only the cash in my pocket. The tellers are still the same nice ones, but they are implementing Chase policies that treat all of the customers like deadbeats. I have always liked the personal attention and service. I was always treated like an upstanding businesswoman and now, I feel like (no offense to the poor) I am being treated like some welfare, white-trash. I want nothing more to do with this bank. Chase has no respect for loyal customers.

Essentially, I am a hostage. They have given me two choices. Pay the early termination penalty (for something caused by their inability to act), or do without a line of credit until the termination fee period expires in December 2010. The people on the phone are unable to explain why WaMu will not rescind my termination request.

While waiting to hear from them, I received a letter from WaMu dated May 27, 2009 that they need additional information to process my request. So I promptly sent all the additional documentations on the checklist. On July 14, I followed up my case; and I was told to call back on July 17, 2009, since there was still nobody assigned on my case yet. On that day, July 17, 2009, I spoke to the staff of WaMu and was instructed to go to a website to complete an application. When I asked her if they received the additional documents they requested on the May 27 letter, she said yes and enumerated to me the said documents. Also, I asked if she was assigned to process my case, she said no at the time. So we ended up the conversation, and I went to check the website I was told about.

I was so frustrated when I found out that the application is about the same as the one I sent on May 2009 with the same documents needed. To my dismay, I called back WaMu to clarify about that. I spoke to different staff this time and was told to fill up and complete everything as a new application. I strongly commented if they were trying to do a runaround on me. I asked about what happened to the 1-inch thick of documents I sent. She then told me that the application they want me to complete was a new one that came out on May 2009. Also, she stated on a threatening sound that "Sir, do you want to do it or not?" and that if I want my case to be processed, I have to complete it or they would not look into my case.

I was so upset that I requested to speak to a supervisor. She hold me for about 10 minutes, then I was told that the supervisor was out to lunch (The time was 0230 pm, Pacific time.). I said to her also that I got a letter from WaMu dated May 27, 2009 and that it did not said anything to complete a new form but only to send some missing documents, which they already received. Then she said that nothing could be done till I send the new application with documentations. I felt that even if I sent a new set of application and documents, what is the guarantee that they will process it in time and will not ask for updated documents by the time they look on my case. This is really a waste of time. Now, I'm thinking to see a lawyer to do my modification for me.

This week, they are apparently trying a deceitful new tactic. I sat down with the bank employee and was told a matter of fact that Chase Bank is switching over all unemployment debit cards to an actual real Chase Bank account debit card system because the state-issued unemployment cards are having "a lot of problems with their magnetic strips, or people losing them and customers have to wait weeks before getting new ones." I was a little confused at first and just kind of went along with it, since it sounded like it was just a standard procedure they were doing across the board.

But then I stopped and said, "So wait, does this mean I'll have an actual account with Chase now?" and the woman said "yes," and I said "oh well, I don't want to get involved with that. I already have an account with Bank of America." And so she further pressured me saying "But you will be held responsible if anything happens to the magnetic strip of your unemployment debit card or if you lose it." So, to clarify, I said, "So let me get this straight, what happens when I get a job again?" and she said "you just keep your new card and use it for all your checking needs.” I pressed further and come to find out, she was talking about changing my unemployment card over to an actual chase checking account complete with fees that I would get charged unless I used the card 5 times a month or more! I was astounded. I said, "Do not sign me up for that."

This is downright lying to the customer and being completely dishonest. This is an outrageous deceitful practice. Luckily, I was smart enough and on the ball to ask a few questions before she automatically signed me up for their account. She made it sound like standard procedure. Her words to me when I sat down were, "What we're doing is switching over all the unemployment cards to Chase debit cards." She made it sound like I didn't even have a choice, that it was just a new standard procedure. I almost didn't ask any questions. How many others out there aren't asking any questions and are unwittingly signing up for Chase Checking Accounts?!

No damage to me because I caught them in their lie. But anyone else that walks into the situation could end up with a Chase checking account that they didn't voluntarily sign up for. They will then get hit with fees when they don't use it, which is exactly what the bank wants apparently.

On June 15, I returned home from a business trip to discover Chase has again mailed my statements to my home. The date on the postage was June 13. So, my first request has obviously been ignored. I called the same number right away. I explained my problem and not once did the associate on the phone apologize. She only offered to put in another request and said she would set me up for online statements, which would work well for me as I travel with my laptop. I asked how I can be sure that no mail will be sent to my home. She assured me that she had it taken care of.

Fast forward to July 7th. I returned from a three-day event to come into my home and find my mail on the counter which had been collected by a roommate. There were two Chase Bank statements in my mail both dated June 30th. One of them was opened by a tenant supposedly by mistake. I was livid and since it was 9 pm, I waited until the next day to confront my bank.

I decided to go into the branch instead of calling someone who is probably working 15,000 miles away and who could not seem to care less. So on July 8, I went into my local branch to talk with someone in person. The teller could not help me, so he sent me to an account associate at a desk. I sat with her and explained my dilemma. I told her I was very upset and she understood this. She was actually the first Chase associate I had encountered in months who had shown any kind of human emotion or empathy! I told her that I would like to remove my physical address from their records since all my efforts to cease mailings to my home were ignored. She explained apologetically that I cannot remove the address. So I gave her my work address for the time being.

She also explained that I have to go online and request online statements myself and that it cannot be changed from home mailing to online over the phone. And also that the request might take 1-2 months to take place! Knowing that at least my statements will be mailed to my work office temporarily, I went online to make the change. There is no box to check to stop home mailings. It only allows you to get online statements in addition to the others. So I guess I'll just get all these ridiculous mailings at my office, which is a waste since I can get them online. So much for privacy and customer service. No wonder banks these days are in such bad shape.

I even sent comps and all kinds of information to help and all we got back was a form letter saying we did not provide adequate information?! No one knows what they are doing over there and they have no interest, whatsoever, in helping people. I think Chase has used the government money to buy out smaller banks to become even bigger and have more control of the market. This is very scary. Also the White House is no help at all and I don't think those people have a clue about how to help people, really sad. My son will probably lose his home as there have been 7 foreclosures in his complex.

My father ran to the bank to solve the problem and put enough cash to cover it plus $200. In the meantime, the bank had taken more fees for small amounts again, which did not show on the bank computer. Therefore the new loss was for $210. The next day, my father went back to the bank and made another deposit plus a $570 check. But for some reason, small expenses from a previous week had just been paid against a negative balance at the wrong time. Another $275 was then taken from my account. In other words, I spent $120 with money available, but the bank chose to delay the credit of the checks and took almost $900 in fees. Is this legal?

In David Lazarus' article in the LA times, Stephanie Jacobson, a Chase spokeswoman, said most cardholders who received "promotional low-rate financing" over the last five years have paid off their loans. "However, there have been a small percentage of customers that have not made as much progress in paying down these loans," she said. "Our desire is to have these loans repaid in a reasonable period of time."

I'd say to Ms. Jacobson, "that simply isn't true". And tell me Ms. Jacobson, what do you call a small percentage?

I have been trying to get a little more information from the Chase representatives that answer the phones. They are extremely rude! One question I had, they finally did answer. I asked them, "What's to stop you from raising the payments again?" Their answer, "Nothing, we'll do it if we want." I think that's important for all to know if you plan on making the higher payments to them. Basically, they are calling the loans in a very underhanded, sneaky way. I seriously doubt it's legal.

Again, please file a complaint with the Federal Trade Commission; it can be done via phone or online. Also, with the Comptroller of the Currency and Administrator of National Banks. This can be done online also. If you'd like, you can download and print out the form and send it in. Those two offices seem very interested in what Chase is doing!

One other thing a Chase rep said, she claimed that Chase had already paid back the TARP money the government loaned them. More appropriately, the money that we, the tax payers, bailed them out with. I don't believe that for one second. It's just amazing to me how Chase can flip close to a million customers off. They really could not care less about a future, solid customer base. I will never borrow from Chase again, ever!

Chase has an even more regressive overdraft/NSF fee schedule and policy. They charge up to $35.00 fee in order to cover a small 'loan' to primarily lower-income customers. Their whole policy as to which transactions (debit withdrawals, credit withdrawals, and various deposits) are credited to your account is biased toward making your balance as low as possible and therefore inciting as many overdraft/NSF fees as possible. This is a regressive (read: penalizing the poor more than the rich) policy that should be illegal - if for no other reason than a $35.00 fee for a $3.00 “loan” constitutes egregious and predatory loan practices that far exceeds the (now heavily regulated) terrible practices of those "check for cash" businesses.

Also, it doesn't matter if you take your deposit directly to a branch teller, all non-cash or non Chase checks deposits have their funds held until at least the next business day and possibly as long as 5 or 6 days. So when somebody writes you a valid check that is worth real American dollars to you and you give it to your bank for safe-keeping, they reward you by putting the cash in their pockets for as long as possible before letting you touch it. No more $100.00 per day of deposits being immediately available for withdrawal. It does not matter if you are a customer of several years who has never deposited a bad check or written a bad check.

They also canceled the Visa and MasterCard “purchase protection” program that WaMu had. This was a little-known, but very valuable program that gave users of Visa and MasterCard debit cards additional protection when using their card to buy goods and services, such as, lowest price guarantee, extended warranty, theft and accidental damage protection, etc. Chase is going to run itself into the ground with its oppressive monetary policies. If enough of us “little guys” take our cash elsewhere, it will hurt them indeed! Go find a local credit union!

We paid our taxes late this year, and we had to fax proof that they were paid. This is understandable. We switched homeowner's insurance back in November 2008. Washington Mutual claimed they received no proof of the change other than the cancellation notice they received from the previous insurance company. They then did an escrow analysis and raised our house payment starting in July of this year.

I had our homeowner's insurance fax proof of insurance and its effective date on June 29, 2009. I also paid June's payment as well as all late fees the account had accumulated for unpaid late fees. However, the payments were not applied as I requested. I have made numerous calls with much agitation, trying to resolve this issue to no avail. I kept getting the runaround and "It takes 3-5 business days for the correction to be made and applied to the account." This was 1st requested on June 29 and again every day from then on. I am not sure why I should have to wait 3-5 business days for someone else's mistake. Not to exclude the fact that it was applied wrongly twice before properly requested for change.

I also requested July's payment to be taken out and applied on July 3, and it still has yet to be done. In the meantime, my account still has escrow charges that have yet to be removed. This is very frustrating. I understand that there have been holidays during this time, but it started on June 29 and this is July 7. Also, there is a barrier in communication due to a numerous number of persons working for WaMu who are foreigners and are almost impossible to understand. This is America! I should be able to speak to an American.