Chase Bank Reviews

Currently we cannot sell our home and with the current drop in property values, will lose money in the next few months.

I am in my late 60's working and going through emotional and physical trauma because of this divorce and now this foreclosure. I simply want to pay the mortgage and get on with my life.

I haven't been reimbursed for the charges to my account.

We are being charged $300.00 a month more for insurance we already have. They are depleting our escrow account and will not replace it.

As I reviewed it, I noticed corrections needed to be made. I again called Nathan and as usual he did not call me back. I then decided to call Nathan's supervisor Erik Hester. I told him Nathan was not getting back to me to make these corrections etc. He said he would talk to Nathan and call me back. He never called me back either. I then called Nathan and Erik one last time. The customer service lady told me Erik would be in at 2 pm and she would give him the message to call me. I called ant 4 pm and he was gone. I then asked for Erik's managers name and phone so I can call him to inform him of what had happened. After I was given that information, I got a phone call from Nathan indicating to me that Washington Mutual could not offer me a 30 yr fixed rate, I had to take an adjustable.

I didn't know what he was talking about because my initial call was not about the interest rate, it was about corrections needed on the final documents waiting to be signed. I then told him that I would not take an adjustable rate, and that I was still going to file a complaint againt him and the service I got. I have now contacted the main manager in Chicago and I will consult an attorney to see if I have any other options.

My consequences will be that I have not been able to refinance on time before my current loan expires and our home payment will be based on the current adjustable rate. I, may lose my house it I can't make these payments!

This error will reduce the amount of money in escrow and in turn I will not have enough to cover taxes.

They charged my college student son a total of $432 in overdraft charges in 10 days and reduced that amount by $96. Thr next day they charged another $96 for overdraft charges when there was no additonal activity since I paid off the previous charges. I think Chase cheated me out of $96.

I was ready to pay for the two months that I did owe, but they wouldn't accept that and told me to hang on to my payments. They made the mistake not me and now I am paying for it.

My home is in foreclosure in a non-judiciary state which means no court hearing to dispute this. They are wanting my house so bad there is already a sale date. I have faxed a payment dispute, but of course that takes time. So what do you when they are holding all the cards and you know what you owe them and it is not four payments. I have already been at the bottom and this company is trying to put me there again.

Tomorrow, March 29, 2006, is the sheriff's sale because they refused to accept the buyer's offer of $294,900. Washington Mutual wanted the co-brokers to come down on their commissions but refused to adjust their own fees. Their other fees are: $3,379.50 for attorney costs; $1,250.00 for attorney fees; $5,159.84 for sheriff's commission. Why should someone get paid $630.10 for inspecting this house when they never even came inside? Julie in Loss Mitigation is one of the nastiest people I have dealt with. (Plus, she doesn't have clue as to how to read a bank statement!)

My realtor and my husband spoke to her and agreed with my assessment. So tomorrow, March 29, 2006 at 1:00 p.m., the sheriff's sales takes place and if Washington Mutual gets a satisfactory offer, my daughter and I will be evicted. Maybe, if there is a God, Washington Mutual won't end up getting the exhorbitant fee of $630.10 for an inspection that never happened. When I grow up, I want to be an inspector for Washington Mutual. When I really grow up, I want Washington Mutual out of the home loan business.

Each time the onus was on me to contact customer care, so I would have their record of me paying them as well as my bank statement. Armed with these, then I would have to fight with the Credit Dispute and various other departments to get the threat letters stopped and the late fees removed. None of this guaranteed that the “credit delinquency” was removed from all three credit report agencies.

I enrolled in Washington Mutuals ACH Drafting when they launched it thinking there would be less chance of them screwing it up. Four months into it, I’m on the phone with WashMut Customer Care who are telling me this month is late and I’m not even enrolled in ACH. Had to jump through all the same hoops again to get the late fees dropped.

I went back to paper checks and when they contacted me to ask why I wanted to cease enrollment in their ACH Draft service I told them I thought they were too stupid to operate it. I thought WashMut was just maliciously trying to rack up as many late fees as they could but I became convinced after a while that they were really just incompetent.

WashMut contacted me end of ‘03 to solicit my enrollment in ACH again with assurances the bugs were out of their program/process, but the same thing happened again.

All I want to do is refinance and get a better rate and not have to deal with Washington Mutual anymore… I cannot take it!!! I am going to have a nervous breakdown, heart attack or some other health issue. I am finished with WAMU not applying my payments properly and are trying to double charge me for property taxes. I did not sign or apply for an impound account!!!! What is up with the property tax issue? Chicago Title stated that they paid my property taxes and The Sonoma County Tax Collectors Office has now informed us that they have returned the payment that Washington Mutual said they paid in the amount of $5310.58 dated June of 2005 which would have been for my property taxes of 2004 which we are now told Chicago Title paid for.

So what’s up with that, why are you still trying to get the money from me??? Why are you still treating this as an impound account when it is NOT an impound account!!!

Also, unlike most mortgage companies today, Washington Mutual doesn't provide a way to make payments online. On the other hand, Washington Mutual makes applying for a loan easily accessible online.

I firmly believe Washington Mutual doesn't make this option available in order to pocket more late fee income.

Now that doesn't sound like much, but it was $160 on $8,000, plus interest the expected interest. I called customer service to ask about this fee, when no fee was mentioned to me when I got the loan, and the card was referred to being like a debit card. Debit cards don't have fees, they are like writting checks. The first customer service person, said that was a VISA fee and she could not help me. I asked for a superviser and talked to Stacy. She again said she couldn't do anything about this fee. I said the fee was on the Washington Mutual Bill, so of course they could do something about it. She said no they couldn't do anything and the fee was in the paperwork.

I said I am sure it was, but I didn't read all the millions of words that was involved in the 100 plus pages of the paperwork. This type of fee should be mentioned by the sales person, otherwise it is just in the small print and deceptive to the consumer. Or the sales person should never refer to the card as debit, only as a credit card charged to the loan. Credit cards generally charge a fee, either to the merchant, or to the consumer, depending upon how it is used.

During this time I opened my own personal acct at Wamu, under my married name. I was reviewing my online statement when I noticed there was a check cashed on the old joint account in the amount of $1230. I called and told the bank to close the acct , that I was not using it and didn't know who was. I was told that it had to have a zero balance to be closed and there was currently $4.05 in it. So I transferred the funds to zero it out. The clerk said it would take 24 hours.

I called back to check the next day and was told that there was a pending transaction so they could not close it. The pending transactions were 2 more large checks were cashed through the acct. I freaked out, called again and there was still a small balance, but the clerk transferred it out and said it would take 24 hours for the account to close. By this time, 5 checks had been cashed through that account totaling $9900!!!!!

It is my position that Wamu should have closed the account upon my first request, second, third, which would have prevented the cashing the additional checks.

I have called WAMU and talke to several people. Who have told me the loan documents I signed stated that if my payment reaches them after their drop date (the date the new statements are generated which is apparently around the 7th of the month) that when the receive my payment it is all applied to interest and nother towards principal. I have read my loan documents and do not seen anything that says that. I have talked to the local WAMU branch and they were not aware of this either. It is hard to believe that this is even legal.

But if it is a legal practice, shouldn't I have been made aware of it before I agreed to the loan. Shouldn't they at least make things "right" for past payments and apply their rules for future payments since I am now aware? Please help me I am so fustrated. I asked to talk to Kerry Kellinger, Head of the company, and was told they didn't have his number and didn't know if he had a secretary.

I have written, called, sent copies of my statements from the original lender all to no avail. I pointed out the original terms of a mortgage are to be honored when it is re-assigned and now they have cleverly gotten around that by sending a waiver that will only be honored if I had no late payments with them in 12 months. I have never had a late payment in 20 years, but this was a new loan and I've only made two payments with Washington Mutual and 3 with the original lender.

They want 12 mos, of history with them. Second, that my balance be 80% of the original loan, once again , it is a new loan. I am single handicapped person and it is very hard for me to come up with the extra funds monthly, but because I do craft shows in the fall, I can pay my insurance then very easily when it was always due. I feel they are making a fool out of me, as they keep asking me to send letters, fill out forms and then keep denying me.

There is more, but the bottom line is they orcherstrated the situation to meet their needs. I had the money arranged to pay in Dec. and they said I have to go through their attorneys ie pay $2000 in legal gratuity. They did tell me also, I took to long to get back to them.

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.