Chase

Recently my credit card number was stolen and they stopped $2000 of charges. There was some other stuff went through but the reimbursed me completely.

Chase Home Finance was assigned my mortgage a few months after I bought my home in March of 2006. In late 2007, I lost my job (And income) and started to dip into retirement accounts, took on roommates, cut back on expenses, etc. just to stay afloat with my mortgage. I ended up having to lose the roommates in December 2008 in preparation for my marriage, for obvious reasons. By that time, I was now employed, but making only about 50% of my previous salary. I started getting behind on my mortgage and luckily, President Obama's Making Home Affordable program came at the right time, as Chase had started mentioning foreclosure. Let me tell you, the whole process of dealing with Chase during the application process and transition into a loan modification was the most awful experience, customer service-wise I have ever witnessed. Firstly, I understand that the home market situation and sheer numbers of people applying for this program were unprecedented. I understand that the mechanics of how the program worked and such were not even fully understood by the mortgage companies, so the information they could provide to customers on the status of the modifications was dicey at best. I understand all of those things and I sympathize with the employees and the corporate entity. That being said, here is my experience. Its all 100% true, no puffery and no slander included. Dealing with customer service at Chase is akin to having teeth pulled with no anesthesia by a brute man who hasn't bathed, nor has he disinfected his instruments. He has you chained to the chair, all the while reminding you that he is doing you a favor by even gracing you with his presence, and if it weren't for him,you'd be thrown out to the street with nary a thought or care. A typical call to Chase Home Finance invariably means a minimum of 30 minutes of your time. That's if you are lucky, and arent't "accidentally disconnected" or "routed to the wrong department" by the phone system. Be sure to take notes of when you called, how long you spent on hold, who you spoke with, which department they work in, and the details of each call, for if you do not, there will often exist no record of any of your dealings, or the eventual outcome of such. Be sure that you DO NOT try and make a phone payment during your loan modification trial payment, even an operator-assisted phone payment. When I did that, the operator was unaware that the computer system did not see that I was on a trial program. The $1000 payment I authorized Chase to debit from my checking account turned into a $1550 payment (Which was my normal, payment due). Much to my surprise at a baseball game, when I went to use the ATM to withrdaw some case to buy a 2 drinks and hotdogs, my account was overdrawn!!! Why? Chase took more than they were authorized. I spent hours and hours on the phone with unsympathetic operator after unsympathetic operator. Asking to be transferred to their supervisors is like asking to see the "Man behind the curtain" in "The Wizard of Oz". I did manage to FINALLy speak to one dear lady, who gave me the contact information for the head of the FastPay research department. After having to prvide bank-issued documents from my bank indicating the unauthorized debit, and paying to fax the information to Chase, the money and bank overdraft fees were finally returned. The process took nearly two weeks. Just after that, my three-month trial period was set to expire. A previos call to Chase had reulted in an analyst telling me that because of variious delays, If I hadn't heard any communications by the end of August 2009, to just "go ahead and make a 4th trial payment", which I did. When the money was still in my bank account three weeks after making the payment, I started getting nervous. I received communications from Chase that asked for the same financial information I had previously supplied them with, but each time they made these requests, I sent the information as soon as possible. The alternative was foreclosure. I was bound with no choice but to comply. Back to the money still sitting in my account- I made several calls to Chase. Again, each call being at least 30 minutes, most of them on hour or more. I was actually spoken to very rudely, denied the right to speak with a manager, received conflicting (totally opposite information) over 2 separate days. And finally, hung up on by an operator. I was appalled and aghast. My loan mod did eventually work out, but not without sleepless nights and headaches that could have been prevented. All the while, Chase would never let me forget they were doing me a favor, and that I needed to jump through EVERY hoop they put in front of me. I can honestly tell you, my fellow Angie's Listers, that I WILL NEVER deal with Chase again, if the choice is up to me. I ask that you consider my dealings before you decide to use them. Thanks for reading.

I had an account with Washington Mutual a year or two ago. Chase then took over Washington Mutual. My account was under them less than 5 months. They did not give me any warnings and closed my account. I have always paid my account on time and I have an excellent credit history with them. I called the creditor and asked why they closed my account, and the gentleman I spoke with was rude and said they can close my account anytime they want to. They never gave me a reason as to why they closed my account. I have been paying it down every month on time and almost have the account paid off. They now have on my credit history that the account was closed by my creditor which seriously hurts my credit score. I called back in again and they told me that a lot of customers have had their account closed down but never told me why the account was closed down.