JPMorgan Chase
Reviews and Complaints

I have been a JP Morgan Chase Bank costumer for over eight years, with an impeccable record of balances and timely payments.

There was a small balance ($ 107.45) that I never knew of, and was never notified of. Eventually Chase closed my account and sent the debt to Universal Fidelity, a collection agency. Because of this, my entire credit history and CREDIT RECORD GOT RUINED.

The following is an explanation, step by step, of what happened:

In May of 2007 I decided to go paperless, accepting Chase Manhattan Bank’s offer to view my statements online only. I stated checking my statements there and everything always seemed to be perfectly fine. Online, I could see my statements and activities for my checking and savings accounts, as well as for my credit card (there was absolutely nothing, no information, on my Overdraft Line of Credit)

On January 18, 2008 I received a notice from my other credit card, American Express, saying that they were lowering my credit because they had received information from a credit report agency stating that I was delinquent. They did not specify the reasons.

After requesting my credit History through Trans Union and Equifax I found out that my credit had been undermined by a long-standing debt with Chase Manhattan Bank’s Overdraft Line of Credit of which I had NEVER BEEN NOTIFIED. I REPEAT: by a long-standing debt with Chase Manhattan Bank’s Overdraft Line of Credit of which I had NEVER, EVER, BEEN NOTIFIED, I KNEW NOTHING ABOUT IT.

In February of 2oo8, as soon as I found out what the source of the problem was, I went my closest branch of Chase Manhattan Bank, at 2219 Broadway
New York, NY 10024, talked to Alicia Sang, the branch manager. She tried to help by requesting to take the debt away from the hands of Universal Fidelity. She put a request to Chase Card Services and to Chase Online department on my behalf to have my situation investigated.

Immediately after I started receiving calls and getting letters from Universal Fidelity, trying to collect their booty. However, Chase Card Services never contacted me.

Seven months have passed and I still don’t have an answer from Chase Card Services or from Chase Online department.

My request is:

To be able to pay the debt that I have and would have been more than happy to pay as soon as it appeared, had I known about it.

A rectification of my credit history sent from Chase Manhattan Bank to all credit reporting agencies.

An explanation and apology from Chase Manhattan Bank as for why, your online services never showed the balances on the Overdraft Line of Credit and I never got any notice that I had a debt.

As you can imagine, after being financially responsible working hard all my life to keep an impeccable credit record I would not want it ruined by such a ridiculously small and evitable debt.

Worst customer service experience ever. Called [protected] for Blance transfer. CS rep. Jermy from Flolida department yelled at me during conversation. Very rude and inappropriate way to treat customer.

JPMC is by far the worst ever. I had been a customer of Chase for over 8 years. I lost my job, and had been denied for unemployment benefits. I did have some money in savings, but had to stretch every dime. With the job market, its uncertain when I will be able to find another job. I don't believe in bankruptcy and have never been late on a bill in my 27 years of life. But here I am faced with the fear of buying groceries to feed my kids or paying Chase's ridiculous minimum payment. Since I was not yet delinquent on any of my accounts, my pre-bankruptcy councel encouraged me to call my creditors and see if I could buy some relief time. Discover didn't bat an eyelash and presented me 4 different options to lower my monthly payments and cut my interest in half to avoid negative amoritization. My mortgage holder rewrote my mortgage. My auto lender (Wells Fargo) offered me a 60 day stay on my car payments. I was thrilled. Until I called Chase. Chase LAUGHED at me. The representative stated, "Ma'm, you don't have an income...what do you want us to do?!" She stated if I was bringing in unemployment they could modify the terms of my loan, but her job was simply to inform me of my penalties if I didn't make my full payment in 4 days. I spoke to a manager as well who stated that Chase did not care if my balance was discharged in Bankruptcy. They were right. I got a letter a week later, stating my interest had been increased to 29.99%, I was being charged a $39.00 late fee, and to make matters worse, they had chosen to lower my limit, so I was also being charged a $400 over limit fee. Chase single handedly forced me into bankruptcy. I hope they go under. I have written my congressman with my story, and advised that I do not want to see ANY of my tax dollars going to support a bail out for JPMC.

I can relate to the attitude of Chase in their dealings with people. I too had a run-in with them over a mesley $ 15 late fee. I was at fault but it was an honest oversight. I had resurrected my Chase Card after several years of non use. My mistake was failing to check the date the payment was due. I had gotten into a habit of paying bills the 10th and the 25th each month. When Chase's bill came in I laid it up in the stack to be paid the 25th not realizing it was due the 10th. As a result I was late.
I asked them to defer the assessment and explained the situation.
They acted as if they could care less. I ended up paying them but I immediately cut up and returned the card. I average almost ten thousand dollars in charges to my credit cards annually but you can bet I'll never use Chase again. My credit score I might add is right at 750 so they know I am not a deadbeat.
If they can't treat people as real folk and be human about things they can rot as far as I am concerned. Talk about cutting off your nose to spite your face and I see Chase every time
Sincerely,
Ken B

I have an unauthorized charge of $14.95 on my credit card. This is scam! Beware!

I have the same situation more or less but my charge has been going on since October 2007 (more than a year).

I spoke to ID Protection, initially they told me that they do not have any proof of me authorizing this charge and also mentioned this information is "vague" on my account. I was then transfered to level to support and spoke to a representative who would not tell me her full name, she just told me her name was Deborah and wouldn't tell me her full name when I asked because she did not have to. Then, when I spoke to "Deborah, " she told me there was a phone call authorizaion and it would take about 8 to 12 weeks to pull out that phone call. Also, if they find out that I actually authorized it in a phone call, they will take all the credits that they have given me. I was surprised learning about the credits that they have given me because I had no clue about these credits. Upon asking, she mentioned the first representative that i spoke to had cancelled my "membership" and had given me the credit for last two charges which i i never asked for. Then "Deborah" put me on hold in order to get ready to do the paper for about five minutes. She came back on the phone, and asked me my billing address (which I gave to her at the beginning of the call) and then the phone number. This was all the paper work she needed.

I felt humiliated about all this, thinking about why wouldn't she tell me her name. If I am trusting Chase with thousands of dollars and making my payments religiously, why can an employee not tell me her full name for my records. She gets loud on the phone with me when I insisted to know her name (right before she told me that she doesn't have to give me her name). I even asked her if I can go to the court and demand justice just to make an example so this doesnot happen to other people without their knowledge. On that, she said that I cannot do much, I can just get all the money back if they find out that there was no call from authorizing this. Obviously, something is fishy here.

Then, I wanted to talk to someeone who can give me his/her full name for court purpose and asked for her supervisor. I was on hold for about 15 minutes, supervisor came. I asked him same question about his name, he told me that his name is John. I asked full name and he said it's John and gave me his extension number. I asked why wouldn't he tell me his full name, he said, "it's company policy." That got me even more curious, now i wanted to know the script of company's policy and he said I couldn't have it, that is also against their policy. He told me that I could get all this information from "www.firstadvantage.com."

This is the story of my evening of 10/30/2008.

I am currently looking for a law firm to take this matter forward, if anyone knows a lawfirm, please let me know by e-mail "anazir_1@yahoo.com."

I am dealing with shameless Chase id protection charge, now. You know what we should record the name and number of the ID protection costumer service. And for sure I'll complain them for cheating me twice. I called them 2 times to cancel the charge, actually never be done.

I have a similar complaint regarding the Chase ID protection. My wife and I called more than six(6) months ago to cancel this Chase ID protection. They advised me that they would cancel and never did. I must admit that there was an oversight on my behalf and the charge of $11.99 appeared on my statement every month. So I called Chase credit card customer service 06/2008, to tell the cutomer service agent that the Chase ID protection service was never cancelled six(6) months ago and I would like a full refund. I was advised that the company extends its apologies, but all they could refund was two (2) months of service. They also had no record of the prior call to cancel. Chase credit card customer service then referred me to Chase ID protection. They were rude and a joke. Chase ID protection customer service then referred me back to Chase credit card customer service. At this point it is a waste. I advised the rep at Chase ID protection that I would be writing this message and that I would tell all of my family and friends about the horrible service at this company.

This one is completely true. They'll nail you for months if you're not looking. Sometimes on cards that haven't had activity in years! In their defense, it is a third party company pulling this.

The people that work at Chase Insurance Claims Department are actually a company called Assurant Specialty Property, they are not part of Chase Bank. Their job is to make it as difficult as possible for you to get your insurance loss proceeds. They lie constantly, and claim that they haven't received either documentation or money, when I have the signed receipt that says they received it. I have a $290, 000.00 water damage loss, and they are refusing to give me even 50% of the money, so that I can get my property to 50% completion. Out of $290, 000.00, they have give me about $60, 000.00 and they are refusing to give me any more. They told me that my property needed to be at 50% completion! WTF?! You've only given me 25% of the money, but I am supposed to be at 50% completion? All my documents have been properly submitted a long time ago, including my signed contract with my contractor. I asked them "how in the hell am I supposed to get to 50% completion, when you refuse to give me the money to get to 50% completion?" They told me to work it out with my contractor. There's nothing to work out, he needs money for materials, and Chase is refusing to give me any money. By the way, Chase's interest in my property is minimal. I could burn my house down and they would be over collateralized by a factor of 6 times just on the value of the land alone. Every time I call the insurance department, they give me a totally different story. They lie constantly. They told me that I needed an inspection, and then told me I had to wait between 3 to 5 business days. I asked if they could expedite the inspection, they said they would. The inspector called me on the 5th business day (of course) and told me that he had just received the request, which means that Chase sat on the request until the very last moment, and then submitted it. These people should burn in hell, they are the biggest bunch of thieves on the planet. All they do is lie all day long, and none of them knows how to do even simple math. I asked the person, "how am I supposed to get to 50% completion, if you continue to refuse to give me the money?" They told me to work it out with my contractor. When my inspection results finally came in, they were at 35%. Chase told me that they should have been at 38%, so they denied my request for funds. Are YOU KIDDING ME? These people need to get slapped with a huge lawsuit for punitive damages.

I feel awful that this has happened to so many innocent people. My boyfriend is dealing with all of the same issues that you all are. I have actually loaned him money to do some of the work in his house, which had a fire and smoke damage, because Chase would not release his money. It has been so frustrating to me. How can a bank justify keeping someone's money that is so needed to do repairs? They actually said they were keeping his money until he had all of these particular documents in. But, he has done most of the work in the house and he is quite capable of finishing the house. He actually made the house look 90% better than it did before the fire. Just got an inspection and the inspector confirmed that the house is at 80% complete. Nice, right? Yea, for someone! But, now Chase has changed the rules and says that won't work. Really? I am waiting for the "just kidding" but I really don't think it is coming. WTF? I can say that I have learned a great deal through the process. For instance, it is important not to care about your house, just in case they take it. Another thing I learned like don't call the fire department and discreetly inform your neighbors not to. Another one is not to finance or refinance your mortgage with Chase. And, unfortunately, if they send you a halfway decent check to start, take a nice trip to somewhere you might want to live and put the rest back for your move there. Because, maybe, just maybe, if Chase gets enough houses with water damage, fire damage, tornado damage, etc. And they are the proud owners of all those destroyed homes, maybe we will have helped someone years from now get the money from good ole Chase to fix their house. I don't see it happening anytime soon but maybe after they own 10, 000 destroyed homes (ha, let them fix them) just maybe they will change the way they handle this situation.

Wow, Mr. “Nonewhatsoeveryou, ” you’re so clever. You think you’ve got all the answers to this issue that everyone ELSE seems to have. But, no, you really don’t have a clue.

I’ve got a fire rebuild contractor payment milestone coming up, and prepared my documentation package. Sent all documents, with notary seals as needed, along with everything that answers each of their questions (update on construction status). Delivered it via fax and overnight (for the original notary seal), so Chase had everything they requested. In my letter I detailed the payments already made, some with the advance Chase gave me, and $17, 000 of my cash advanced because the contract milestone was prior to the 50% inspection.

Chase called me this past Tuesday. I missed the call, returned it on Wednesday. Chase’s phones were down all day. Thursday I returned the call from the Chase Loss Drafts department and asked about the 50% inspection. They had not scheduled it yet. Chase had my letter three days earlier that requested the inspection and Chase ignored it. The rep said it take three business days to get a call back from the inspector (that’s three MORE business days at this point). I reminded the Chase rep that the payment requested was less than what they are holding, per the next contract milestone. Chase rep said she didn’t have any letter from me, and they’ll only release 50% of what’s left. Last letter to which I responded says nothing about amounts to be paid, and the Mortgagor’s Affidavit is asking ME what the draft amount should be. Do you see a pattern repeating here?

I also repeated my questions (that were in my letter) asking how to handle their request for a final lien waiver with the next payment since the contractor won’t be able to provide with a final payment, which won’t come until AFTER construction is complete and the insurance company releases the hold-back. Chase rep said that the additional funds must be deposited now before any more payments (like this next one) will be released. Duhh? I said that no, you can’t have those funds until after all work has been completed and inspected by the insurance company. The Chase rep then said that Chase will need a letter from the insurance company guaranteeing that Chase will be co-payee on all payments for repairs. I explained that I was currently in litigation with the insurance company and that you should already have that, since all structure repair payments (from the insurance company) include the loss payee (Chase). Had to put on my sunglasses for that one (deer in the headlights).

Obviously, no one can get a company like Chase do anything as promised, if they keep changing the rules. And the best part about this is the fact that everything Chase is doing with their customers to get loss drafts paid is entirely arbitrary. There is no contract or regulation that requires any of these routines through which we’re put, and the sad fact of the matter is that we have to do this because we simply have no choice.

When I sent the first insurance loss payment to Chase I was only told about the 50% inspection. When Chase Loss Drafts called a few months ago to get a status update, I was told that they were ready to release all of the funds they were holding, pending the 50% inspection. Chase asked me for the draft amount (on a notarized form), then refused to honor it (per last phone call). I recorded all my phone calls with Chase, so I’m absolutely certain of what I discussed and what I was told. My (extended) memory may be a little better than some people’s memory who post here, and in other forums about the same subject, but we all seem to be complaining about the same issues.

Now, do you REALLY have the answers, clever guy, or are you just another troll looking to stir up some excitement?

You guys: Its simple. They give you instructions on what needs to be done. They even have a website that spells out the procedures clearly and simply. The documents, & I learned the hard way, if they are not complete, ie no signature, or no notary stamp on a document that CLEARLY STATES that it is to be notarized, are rejected.

I was having a hard time with Chase after a fire loss until one of the customer service reps explained it this way: If you take the time to allow me to explain the procedures and timeframes for everything, you'll be educated, know what to expect, and be able to get this process completed with minimal delay. I listened. I followed instructions. The checks were for the amounts they told me, the lady also said that it takes about 5 days for the inspection, so call about a week ahead to HAVE IT SCHEDULED so I'm not sitting around waiting...I was proactive. By the way: once my claim was done, the interest that accrued on the funds came to me in the form of a check with notification that law mandates that ANY interest accrued on an insurance check must be returned to the customer. Why was it so easy for me? Did I just get lucky with the right person to explain everything?

Once again Chase loss draft dept. is a completely useless ... Now why do ya think that the man from allstate insurance has a printer in his house that spits out allstate checks... so he can give you one the very next day... perhaps they want their customers to be on the road to recovery right away... 3 weeks for Chase loss draft to come thru and still not a nickle... just got to talk to a lot of really incompetent people... so I had the contractor tear off the shingles so they can see that half the work is done... I called and told them it due to rain in 4 days so unless they want a bigger loss it would be a good time to take their thumbs out of their ### and get me some money... now would be a good time to move .. oh and it looks like chase will now be the new owners of a moldy soggy pile of junk... 79, 000 due on morgage chase has the insurance check for 36, 000 my guess here in north east ohio it wont take long to be a total loss..

I am in the same boat. I had an inspection, sent all the required documents in, endorsed the check. The bank said they would release 60% of the funds and direct deposit it into my account, then they said they could not direct deposit into the account. Then after over a week of processing they told me that they have mailed the check (which i still have not received) and it is only for 50%. When i pressed them on the fact that they said they would deposit it and it was supposed to be 60%, they told me it was policy and that they would never deposit it or release more then 50%. Then they asked me to reschedule another inspection, and i asked how i could have a 90% inspection when my contractor has seen 0% of the money! I had to give my contractor $500 of my own money because i felt so bad that he was already out of pocket $3500.00 and had not seen anything yet. This bank's practices are very unethical!

Chase is the worst ever! After battling my insurance company to get money to repair damage done by Hurricane Ike, Chase now is pulling it's loss prevention scam! I know they have an interest in the repairs getting done and me not pocketing the money. But I can not even start my repairs because they are holding whatever is over $20, 000.00 in escrow until an inspector verifies the work is being done. I CAN'T START THE WORK! The materials are over $20, 000.00!

This just wrong!

Thinking this is a class action lawsuit!

not getting my insurance claim money from chase when the job was complete and sighned the check and payed to over night it to you. not right at all. thats cash i spent out of pocket that didnt have and still have not recieved my money! whats the point of paying my insurance?

Excuse my spelling was writing and thinking way to fast

welcome to the new age... Mortgage companies have found another way to make our lives worst.. I had a claim but it was only for $30, 000.00. After reading some of the stories here there was no way i was endorsing MY money to the bank.. I got the repairs done and used some of my money as seed money. After the repairs were 95% done I called my insurance agent who verified the repairs were over 95% complete and then I approached the Chase. I was told if the repairs were 95% complete that I could get my checks endorsed at the branch once chase verified that as a fact. Well they sent out their inspector and he confirmed the repairs it took a week for the inspector to get his repert to them. Then i went to the brach to get my checks endorsed... only to be told that the branch didnt have the authority to sign for a check over $10, 000... so we had to send the checks to the main office and they would endorse them and send them bcak within 3 business days.. I will keep you posted.

This recently happened to my girlfriend with Chase. She was treated with the utmost disrespect from Chase. She has never had a late payment or an overdraft fee until this first emergency brought her to this point. They did not want to increase her credit, but Chase has no problem charging you the $38 over-draft fee. She has an almost perfect credit score. So, to the person who replied with a nasty, ' know-it-all' tone; get your facts straight first before you go mouthing off about bad credit scores. As for Chase, some changes 'must' be made within your Customer Service Department. Loyal customers of over many years should not be treated this way. Learn to offer more (as many other credit cards do) to their current customers.

You have bad credit. That means you are a risk. The company is completely in their rights to NOT increase your limit.

Your right is to cut up the card and try to find another one. Chances are with crappy credit, and witht he economy the way it is, that you will have a tough time finding someone else to extend credit to you.

How about repairing your credit isn;tead of feeling like the world is out to get you. Another option is to save your money and pay cash.

Sorry man, I know you want to be able to blow more cash, but just because you feel like you should be able to go deeper in debt and the company that does not want to lend you more credit does not mean they are a bad company, it means your credit sucks.

You screwed yourself, sorry but that’s the truth. If you knew that there were dings, dents and scratches on your car you should have just gotten them fix before you turned in your vehicle, as you so simply stated. If most of those scratches could have been “Buffed Out” you should have buffed it yourself. What did you expect to happen? You can’t be mad for how much someone else charges you for damage that you’ve done yourself, and yes, in 5 years, no matter how small, or clumsy a woman can be, plenty of damage can be done. I’m sure the vehicle was in better condition when you first leased it, then it was after you returned it. You say that you’re on your 5th leased vehicle, so you should know that the buy out for leases barley, if at all, consider the lease payments that you’ve made prior. I don’t understand the logic behind people who lease a vehicle for 5 years; you should have just purchased with a loan and saved your self the hassle, so then after it’s paid off you can sell it or trade it in for another. You shot yourself in the foot with that one. LASTLY—“READ YOUR CONTRACT & ASK THE DEALER QUESTIONS” this goes for you and all you other complainers out there, granted some of your complaint may be valid, hell nobody is perfect, but several of your complaints could have been easily avoided if you read you contract thoroughly, instead of being memorized and drooling over the fact that your getting a new car and you think its really cool, a common American flaw.

you are not only uninformed as to the statutes concerning divorce law whereas the partner male or female is ENTITLED after ten years of marriage to HALF of the retirement funds, but you are an ignorant a$$ hole.

I HAVE a job, most of the time I work multiple jobs .

I bet that YOU are unable to maintain ANY RELATIONSHIP WITH A WOMAN because you are this abusive towards a stranger .

MY EX HUSBAND AND STOLE THE ENTIRE ira TO SPEND ON FUN AND HIS NEW gf AND WAS so SURPRISED THAT HE HAD TO GIVE IT BACK ~POOR BABY .

He also spent 20.000 on his lawyer bill out of OUR retirement fund .

I went in Pro Se and still - he has to pay back the account he had stolen .too bad for him . He is not even with the gf any more because of an attitude like yours . she dumped his sorry a$$.
Guys like you and him end up alone because you are so messed up .

you are SO abusive . that you are probably my actual ex husband ~ this is why he is my ex husband .

Get a job you entitled [censored]. Stop stealing men's money through divorce. Women are pathetic today.