Chase Bank Reviews

For over a week we have been talking to the same people to get a final amount to remove the home from foreclosure. They keep putting us off, and will not give us a figure. What can we do???? The attorneys working on this case is a huge law firm in Atlanta that only handles foreclosures. How do these people live with themselves?

Called Customer Service and this time they stated I had missed July 2005 payment. It evidently didn't do my any good to e-mail them copies of my statements and cancelled checks. In addition, I had mailed them a letter with copies of those 2005 Statements and cancelled checks. Since they now told me on this date (12/27/05) that it was July 2005 payment I had missed, I once again, this date, faxed them copies of my cancelled checks for 2005 which they cashed. I requested they call me to straighten this out, but have NOT heard from them and they still insist I missed a payment, even after I sent them copies of my cancelled checks.

The only response I received from them was a letter stating that I had been short in my payments during 2004, and owed them approx. $151.00 towards my Escrow, which I will pay when I make my next payment.

I agreed to pay them in monthly payments, after 3 months the collection agency demend I pay in full and I sent them a notice to cease communications under the Fair Debt Collection Act. I continued to try and find out where in Washington Mutual should I send the money to to pay off this matter. I finally was given the address of a Recovery Payment Office and sent them the money.

When the rent is overdue past the 5th of the month, my landlord charges me $100 late fee. The worst instance was when it showed up 3 weeks late (November 16th). During those weeks where my rent check was lost in transition between the bank and my landlord, my landlord instisted that I write her another check - this time for Rent + $100 late fee. I did as she requested. I then called the bank and said "I trusted you with my finances and you have cost me $100. I want to be reembursed for the $100 error you've caused me and I want a Stop Payment placed on the late/missing check."

The Customer Service Representative (CSR) that I spoke with (unfortunately I don't have her name) said to me "It's too hard for us to cancel the check once it leaves your account. Just wait until it arrives and tell your landlord to apply it to your next month's rent instead." I was then told that I'd be refunded the $100, thanked the CSR, and hung up.

The following month, after asking my landlord to apply the 3-week-late check to my rent, I was told by her that it was returned marked "STOP PAYMENT." I was furious. It turns out that after telling me to "go ahead and use the late check next month" for my rent, Washington Mutual went ahead and processed a Stop Payment on it. This caused me to pay my landlord with a voided check and - therefore - my rent was again late and I've been charged another $100 late fee.

When I contacted Washington Mutual again to find out what happened, Supervisor Jose informed me that, because they have no official record that the first CSR I spoke with informed me to use the late check as my next rent check, there was nothing they could do and that I was simply out of options.

When I first contacted WAMU to inform them that I had obtained my new coverage on my own and that the property is now vacant, the individual I spoke with assured me that WAMU would pay my insurance company with the funds set aside for that purpose. Foolishly, I believed that story. Needless to say, they failed in their promise. The second call went very much like the first with considerably more rancor on my part, but the result was the same.

The third call resulted in yet another promise to send payment and now involved my agent directly, through a faxed billing for the premium WAMU had previously collected for that very purpose. The fourth call was very contentious and not at all pleasant. WAMU employees continue to insist on doing things in their own timeframe despite the major disruptions they have occasioned in my life due to their entrenched and epidemic lack of competence and their abysmal ignorance of the concept of customer service and business ethics.

To this day, they hold my money extracted from my hide for the purpose of paying for insurance coverage and steadfastly refuse to pay for te coverage I have arranged.

If I was not cut off by their telephone system, I was repeatedly told that until I was at least 45 days late the collections department would not talk with me. So I didn't make my October payment. I waited until the end of October and tried to get through again and was unsuccessful. I now have an offer on the house and can not move forward until I can get an answer from Washington Mutual regarding a short sale. I am extremely concerned and do not want to lose this sale. I believe I am going to be between $7500 to $8000 short.

The only thing I have been told is that I have to pay this or I will go into collections and they will not release the lein on the property until they are paid. This means I can not sell the house. This not only leaves me in dire straights it also leaves the first mortgage company, which happens to also be Washington Mutual, at risk of having to proceed with foreclosure. All I need is to be able to discuss this with the correct area so I can try to get all this resolved with as little impact to my credit rating as possible.

I have tried to be up front and honest and get ahead of all this but I have just been beating my head against a brick wall. It is really a sad statement to say that if I neglected my obligations then I would be able to get answers.

We have proof we paid them everything and they are doing nothing about it. We have reported it to the Attorney Generals office but they say there is only so much they can do if Wamu doesn't respond. It has been really bad for us and we don't have the money it would take to hire an Attorney.

Based on my knowledge of the banks rules and regulations, I believed that my funds would be available on Tuesday October 25th. When the funds were not available on Wednesday Oct 26, I called the Customer service to find out when the funds would be available. I was told Friday, Oct 28th. Since the check I deposited was a student loan and issued by the state controllers office, I felt that the funds should be released immediately.

The bank refused and insisted that thier loss detection department beleived my deposit to be fraudulent. I explained repeatedly that my deposit did not meet the requirements for a longer hold than one business day based on my account disclosure, FDIC regulations regarding government checks and the Expidited Funds Availability Act. As of Friday Oct 28th, my funds are still not available for me to withdraw and the notice from the bank regarding the hold arrived in my mail box today. Although, the letter was dated the 25th, it wasn't postmarked until the 26th.

I feel Washington Mutual has treated us unfairly and has been deceptive to their account holders.

The servicing department lost it! They were going to charge me a late fee until I explained what had happened. After I left Washington Mutual, the mailing address changes continued so I would just take my payment to a local branch once they could finally process them. The final straw was when my mother took a payment up to me and was informed that the payment had been increased by $40+ dollars. They had violated numerous deed restrictions, but after talking to old friends at FNMA (where I used to work and who owns the paper) and the Assistant Attorney General of Texas (who agreed that they were in the wrong) I was convenced that there was no way I could take them on. But believe me, if I had broken any of the deed restrictions, they would be calling my note!

Chase Bank is responsible for my money that I deposited through their teller-I have the deposit slip and copies of the m.o's and tax return check. I want my $500.00 back.They are liable.They went into my acct. without my permission and took out money to cover the lost money order that was in the Bank's possession.That was my auto insurance down payment!

Needless to say, I went to use my savings account to deposit a small amount and use the rest to pay bills and found out that they closed my accounts. The teller told me that because what was going on with my account was so much of a hassle that they decided to close them. So, needless to say they are putting me on checksystem and everything. I guess it is fitting that since they stole from me, the bank ended up getting robbed yesterday. (NO, it was not me)

I was advised by Steve that this is not the first time they have delt with this kind of situation. He advised me that I should call Tuesday to check if they had any results. I called again and was advised that it would be better to walk into the bank where we had deposited the money. We went to the bank on Sat. Sept. 17, 2005. We spoke to a Cynthia who then referred us to Ruth. Ruth explained to us that she would ask for a vector request and put a rush on it to see what happened to the money. She made a copy of the letter I had received and said she would take care of it.

I've been going back and forth speaking to different people, I'm very frustrated and tired of this situation. Today is September 26, 2005 and to this date I'm am still waiting on the vector request that was suppose to take 3 to 5 days. It's not possible that we can't even deposit any amount of money into "our accounts" because somebody will steal the money.

Nothing was ever done, Washington Mutual did not even ask me for my past two pay stubs or my W2, the service was provided to me was unacceptable, what I do know is that Washington Mutual should have contacted my current mortgage company or ask me to provide the information to them which they did not do, also I still have not received a copy of my appraisal report which I paid money for, I have asked questions, and no one wants to answer.