My ordeal began with a creditor placing a hold on my bank account with Chase on Aug 20,2007. I was in the middle of filing for bankruptcy at the time, but the creditor got to the account before we finalized.
I was upset, but that was thier right. I contacted my attorney and we finalized the bankruptcy on Aug. 22, 2007 in hopes of saving the money that was in the account. (it was every penny I had).
Well Chase was contacted and notified of my filing, and asked to remove the hold on the account. The papers were faxed to them,and the were called.
We recived the typicall phone jocky response,"48 to 72 hours" to process and respond to our request. I was told to follow up in 24 hrs.
Thats when the nightmare got really started. No record of our faxes, Your bankruptcy papers were not enough to lift the hold, you need permission from the creditor. My lawyer was amazed, as was I. We could not speak to any one other than the receptionist. And every time we called we were given a different answer.
I was also calling to inform them that in the account there were child support payments and social security benefits for which I have all documentation and deposit recipts, which must be released because they are both excempt from any levy , garnishment or hold. Not a single person would listen.
I did some research and found that I should go to my home branch and present them with my paperwork proving all of my exempt money. They in turn can callculate the difference and release the rest. I also confirmed this fact with the creditor whom placed the hold on the account. They said fine.
When I got to my home branch and explained my situation, I was greeted with blank stares by the customer service ladies. One then offers to help me and proceeds to call the same phone number I was calling from HOME! She got "they are comingalled funds so there is nothing we can do" I had the documents in hand , AND NO ONE WOULD LOOK AT THEM! Sorry cant help you.
One thing I must explain to you all. The reason there are ss funds in my account is because my fiances son has a heart seriuos heart condition . Hypo Plastic left heart syndrome. Basically, he only has half a functionig heart. This requires daily medication, and regular trips to NYC for doctors appt. and regulation of medication. Also the checking of his pacemaker.
Along with that I have to bring him in by car to his appt. because he cant walk to far or be in subways with extreme heat. All of this takes money. His money being held by Chase which the wouldnt even look at paperwork justifing its release.
This brings us to sat Aug 25. The account hold was lifted.I payed a bill online, got gas this mornig for my trip to work! All is well. Even spoke to a customer rep at chase who crdited me $128 for insufficiant funds for payment made while account was on hold. I reserved a car for monday afternoon to bring my stepson to his cardiologist on tuesday morning before I go to work.
All sound good huh? Chase released the account, my life is back to normal.
NO! At 11 am today Sunday Aug 26 , THEY PLACED THE HOLD BACK ON THE ACCOUNT!
Called chase and no one can say why. Another creditor you ask? No same one, and they deleted the credit to my account which makes it look like it was never released.
My lawyer will call monday. Who knows what they will say then. For now, I dont know what Ill do. Chase obviouslly dosent answer to any one. But I say now, anything happens to my stepson and I cant help because of them, there will be hell to pay.
If anyone reads this and can help show chase for what they are, Please contact me.
monroe, New York