• Report: #544824

Complaint Review: Chase - JP Morgan Chase, JP Morgan, Chase Bankcard Services

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  • Submitted: Thu, December 24, 2009
  • Updated: Sat, January 02, 2010

  • Reported By: Scott — Sanbruno California U.S.A.
Chase - JP Morgan Chase, JP Morgan, Chase Bankcard Services
270 park ave new york, New York United States of America

Chase - JP Morgan Chase, JP Morgan, Chase Bankcard Services Washington Mutual stole from disabled patient to offcet a non related account in dispute. new york, New York

*Consumer Comment: No Way.

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For many years what was once chemical bank and Washington Mutual now Chase JP Morgan bank has been taking advantage of consumers and for a long time due to NDA I could not say a thing. Today they broke the NDA and hope that many who have issues can use this information that I will also be using in small claims in February 2010. I'm sure many WAMU customers past several months have been hit with insufficient funds charges and a lot of them despite having a positive balance. This is because their software is set to pick up through the network just about every check the moment its scanned through their system, plus instead of debits which are charges where you use a pin going through instantly, their software now puts a delay on it that can be up to 3 days, maybe more just like signing for the charge. When the check is presented, the software will then release the debits large first, then smaller and direct deposits are not always available despite the system showing such. This is where Chase gets you. They process the large transaction first then all the little $3 or $5 ones they put through stating you over drafted and this is how Chase can rack you up with 10+ insufficient funds charges that go way over $350. They will deny this, but I worked for a service who handled their systems in NY, and this is what is now being done in California. Now to wrap up what was done to myself. 

Back in November, Chase updated their systems making one of my checking accounts not accessible, so some of my automatic payments defaulted to my main account. Chase admitted this much. Chase also stated in writing when they took over Washington Mutual that nothing would change, from what I mentioned above it did. They put through a check from my landlord and refused to release funds they held at their error stating they had no way to do this. The system put the check through then released 8 transactions that were long done and tacked on $33.00 each. They said as a courtesy they would remove 2, and even the executive office said thats their procedure. So I filed a 4th small claims case against them like I had done in NY which I had won all 3 past ones to similar reasons. I then contacted my county job and retail job and stopped direct deposit. Chase has long been notified by the dispute but feels their policy's override both state and federal banking laws. Thought taking this action would be fine, but instead turned into a huge nightmare that could have gotten myself arrested despite the fact I didnt commit the crime. A client who uses the same bank who has me as power of attorney called me asking me why I had taking funds from their account. I was clueless and went over, logged on and checked. To my surprise, Chase took funds from my clients account to offset my fees I refused to pay until we went to court and a decision made. After arguing with the executive office, loss prevention and management of the branch, they stated they can do this. End result, I paid my client back immediately what was taken and now await court against Chase.


This report was posted on Ripoff Report on 12/24/2009 12:58 AM and is a permanent record located here: http://www.ripoffreport.com/r/Chase-JP-Morgan-Chase-JP-Morgan-Chase-Bankcard-Services/new-york-New-York-10017/Chase-JP-Morgan-Chase-JP-Morgan-Chase-Bankcard-Services-Washington-Mutual-stole-from-544824. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

No Way.

AUTHOR: Mia - (USA)

You went to small claims court three times, won, and still use Chase?  If they are so intent on scamming you they why do still bank there?  Your story has many holes in it.  Direct deposits aren't held.  Debit card charges aren't held by the bank for three days.  They stay pending until the merchant settles their payment tech, or whatever system they use.  If you have money in the account the items get paid, if you don't you get overdraft  charges.  How can they change their system to make one of your accounts inaccessible ?  If you had made a deposit and there was a hold on the check, you should have told your landlord to wait a few days.  But wait, you said they restricted your account so it was inaccessible so how could you have deposited funds into it?  

You make no sense.  I don't believe you went to small claims court and won.  If you did as you claim...why would you still bank at such a corrupt organization?  

Too many holes in your claim..This is not a rip off.

  
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