• Report: #1084641
Complaint Review:


  • Submitted: Sun, September 15, 2013
  • Updated: Sun, September 15, 2013

  • Reported By: L — Hamilton Ohio
P.O. Box 15299, Wilmington, DE 19850-5299 Wilmington, Delaware USA


*Consumer Comment: Trying to get in contact with you

*Consumer Comment: Really?


*Consumer Comment: Paragraphs are good..

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  CHASE BANK THE BEASTLY GIANT THAT WON'T SLEEP FROM STEALING OTHERS MONEY My name is L and I along with many other Chase victims want restitution for crimes that we feel have been done to us by JP. Morgan Chase Bank (dispute’s dept. Wilmington, DE or likewise by other entities of Chase). Or to at least be heard and our complaints taken seriously by Chase or Government Agencies etc... I had an ongoing dispute with a merchant in my state ( an auto body repair shop) for not doing a good repair job to our Kia car. Chase was my bank card in this dispute ( course one would never know it ). Because every opportunity to dispute was given to the merchant, back and forth for many months but, never me. No, I had to beg to know anything to do with my own dispute and then settle for lies from representatives for months ( high and low on the chain of command for Chase). So much so that the merchant had plenty of time to lawyer up ( or so Chase says)? The merchant first sent in one-chicken scratch note on a worn out invoice from his auto body repair shop and the wrong credit card name for us and the wrong credit card number for us ( a leasing companies information, bet that guy appreciates me having his private business and CC#). That was all he ever sent into Chase Disputes. I was told there was a lawyer letter but no such letter to date as of Sept 11, 2013 has been sent to me by Chase. Just the wrong CC # & name for us on a photocopy for someone else’s leasing business. Until the supposed lawyer letter on August 22, 2013 which a Chase Executive says exists but, Chase didn’t produced when they put the $1,900 back to my closed account and sent me a letter that I owe this amount to a closed account. It was once they saw I closed my account on Sept 6th after a heated argument with executive Jenalyn ( from Illinois office accusing us of so many awful things). That I was waiting exactly three months to have my dispute denied anyway ( so apparent were all the lies by Chase Reps that I figured I may as well close my account and then go to down on telling my story. I closed the credit card account on Sept 6, 2013. They recharged me the $1,900 on Sunday Sept 8, 2013 to this ZERO balanced, CLOSED account. I now am in possession of a letter from Chase Bank dated Sept 6, 2013 that says your account is now closed destroy all cards. I never even knew the merchant hired an Attorney until I had this argument with this Jenalyn (from Chase’s Illinois office on Sept 3, 2013). Her name is Jenalyn C. Executive Card Member Advocacy Specialist. She blurted it out in the heat our argument that he had a lawyer. By the way I was referred to her when I sent emails to Chase's Corporate media men for help with this case and to get to the right higher up's on the chain of commend to finally end this dispute as I wanted to close my account with Chase and never do business with them again. Another words the merchant never even had anything to show we even paid him with our Chase Credit Card to produce to Chase Disputes Dept. yet he won the case! Course there could be an Attorney letter and that’s all it took to rob us of $1,900 and also leave us with a bad auto body repair job. Or so Chase says an Attorney letter exists? I do wonder? I have asked for it many times now and even written an email to this executive for it and their media people. After five weeks & 3 days ( from my initial dispute date of June 13, 2013) I finally received a letter in the mail to send Chase our dispute proof. I sent in my long letter with details and all dates (as best I could remember for not one but two more opportunities we gave the auto body shop to work on our car and get all issue's corrected ). Only the body shop kept messing up our car even more then the first time he worked on it. I sent Chase Dispute Dept. pictures, then scanned pictures as they required only paper copies, a USB drive with files of all angles of the passenger side damage he did to the auto body repair job. Also not one but two other letters written by legitimate Auto Body Repair Shops documenting they have seen our car and the poor work the other auto body shop did and what they would recommend be done to fix our car to it's original state. By the way Chase disputes reps held onto my letters and put in my file the delay for another month was because I never submitted second opinions on the cars damage by the first guy. I found this out from one of their own REPS David as he just read me his computer screen and didn't realize all the issue's I was having with their disputes dept. Also Cassandra& Thomas lied to me. She told me my disputed items went to the merchant, then the story was they went to both the merchant and his Attorney. Then they changed their story because I reminded them of how I was told all disputed stuff was now moving onto Visa Card to be decided the dispute Then it was Visa declined us not Chase. Then it was the merchant declined are dispute again. Never did either of these two worker bee's from disputes come out and tell me he hired an Attorney (or I would have ended it myself and gone after him in small claims court)! Rather then wasting all this time with my ROTTEN BANK OF CHASE never doing anything but lying to me with this whole disputes case! Now through this whole dispute ordeal, I have felt like I’m arguing more with Chase ( then I ever was with the merchant to do w/ this case). Why, who knows? Chase employee's might be trained to act like they care and give the customer the famous line of "We're working for you". But, no they weren't . Every step of the way Chase was going behind my back to allow the merchant tons of time to lawyer up. Tons of opportunities for him to fight the dispute at hand ( yet he gave them nothing but a lawyer letter saying the car was never brought back to him). Funny our phone calls (cell phone and home phone calls ) subpoena by any court can prove a lot, that we did talk to him on many occasions. Yet Chase never asked for our proof of this. Yet they accused us of never going back and denied the dispute for this reason alone. Our two sons can vouch for us bringing the car back after the first bad job the Auto body shop did. Our 16 yr. old was home and he knew Mom and Dad we’re headed back to Hamilton’s Body Shop to get it looked at and repaired again. The third time we dropped off the car in May our older son followed behind me to help me drop off our Kia car. My husband’s Co-worker who recommended this body shop saw our car and said Dennis H. did a terrible job on our car. My horrible messed up car can prove a lot too just by seeing it and the pictures of it I sent to Chase. The merchant got five weeks after my first call to dispute the charge. Yet, I got 10 days to get a dispute into Chase for my case. All the while dealing with Reps and lies about where to mail my dispute. A first page of the Chase letter taped to the Chase envelope with a dispute address and fax # listed that we didn't see at first because it was taped to the inside of the envelope, that thankfully I threw out in my office garbage can. What business tapes a time sensitive letter to the inside of a mailing envelope where one can’t find it or see it when you open the envelope? Only you Chase ( so consumers check those envelopes well). They held onto my two auto body shop second opinion letters about verifying damage they saw to our car. How do I know this a simple Rep of Chase’s named David knew I was upset about my dispute one day when he answered the phone at Chase. I asked to speak with a Supervisor about the status of my dispute to date. He then told me well it says on my case file the whole month delay is because it says you didn’t turn in any second opinion letters to verify damage to your car. I said, what you’ve had those letters from the beginning of when I sent in my entire dispute pkg and it was signed for Aug 3, 2013 by Chase. Again Chase Disputes Dept gave the merchant from August 3-Sept 3 when I called in to send any proof at all that he had for this case and so far all I got was a wrong CC number/name for us sent to me and a chicken scratched note that he never got our car back to work on it. To this day I don’t even know if Chase is lying about a lawyer letter? They must be as I’ve asked for this letter by telephone and officially by email from an executive named Jenalyn C. Illinois branch of Chase. Every step of the way dispute supervisor’s ( Thomas and Cassandra) didn't supply me with correct information or any information I'd ask them for by way of mail, phone calls or email. Many lies too along the way ( too many to mention in this small consumer complaint box). Also a Chase Advocacy Executive named Jenalyn ( in Illinois) - all of about accused us of damaging our own car after we picked it up the first time from the auto body shop. She stated, perhaps we had a second accident with it, so we could accuse this auto body shop of damage and get funds our $1,900 back with a charge back. Say what? Our car has more value then to do such a thing to it and create an accident in the same areas of the disputed pictures and same area's of the body of the car? Wow, that's stretching it. Plus how did we create holograms, white cloudy areas on the car body. The small, med, and large scratches through out the passenger body of our Kia car. How did we repair it again with door shells and hang doors unevenly by ourselves? This women was insane and so very rude of a representative for such a high level position at Chase Bank. I have spent countless hours researching what advocacy groups are out there to help me, what Government agencies I can complain too. Researching lawyers to maybe hire ( think not as I don’t have that kind of money and I’m fighting for $1,900 not much but it's the principle here). Writing Attorney General’s in my area, there area and all over the country to hear my story of robbery by Chase. Time spent on the phone endlessly. All to realize my sister was trying to reach me by email and phone. But, I changed my email last month because I was using Road Runner and went to DSL and was on my phone a lot that I ran the battery too low on my office phone. Plus downstairs in my office I can’t hear the upstairs phone ring. When my sister finally did reach me it was to tell me my 87 year old Mother had a heart attack. That she was in the hospital for a few days and now back at the nursing home. But, will be going into hospice care soon when they can move her. She's on oxygen and with a DNR order ( do not resuscitate). This is where you CHASE come in. Because I will never forgive the people directly involved with this dispute who took up all my days and hours with fighting me every step of the way. You're a horrible bank and have horrible people working for you in disputes and this lady in Illinois. People that lie so you can steal others money! I may never be able to have my own Mother understand me let alone know I'm there ( if I’m lucky she will see me and we can hold hands/ I’ll talk to her so she knows I’m there). I have you to blame for this Chase. I have but one Mom in this lifetime and instead I spent my days fighting this stupid dispute with my own credit card of Chase, not the merchant anymore! You Chase and you alone. I vow I will never stop telling my story to newspapers, media outlets like TV News stations, Lawyers, Attorney Generals, FDIC, Consumer Protection groups, Consumer Complaint Boards etc... Chase shape up your act as a Giant Money Hungry Grubbing Entity that swallows others up whole. Stop doing all these devious banking practices not only to the little guy. But, for goodness sakes to everyone. How much money is enough for you bankers. It's true what I read, American workers bailed many banks out with our wages and taxes and then you treat the public and customers like s_ _ t. You will never have my forgiveness for putting me through all these things and I can only hope God does see all and brings your bank to justice for all Americans to have satisfaction for the day you fail and meet the Lawyers and FDIC to bring you down ! You greedy butts. By the way if anyone wishes to contact me and has a similar case or Chase has wronged you please contact me at goodday_to_u@hotmail.com. I have set up this email strictly to hear from others of their bad experiences. Crooks in cyber space this isn’t an email I use for anything on the net at all.

This report was posted on Ripoff Report on 09/15/2013 07:08 AM and is a permanent record located here: http://www.ripoffreport.com/reports/chase-bank-cardmember-services/wilmington-delaware-19850/chase-bank-cardmember-services-disputes-dept-thomas-cassandradisputes-grace-jordie-1084641. 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

Trying to get in contact with you


I emailed this below to you from the email you listed and it bounced back. I hope to get some info from you about dealing with Chase myself.

I read your story and feel for you, I had to use that site once myself about St Johns Insurance company about a my home on a sinkhole. (if you google that you will easily find it). I am also like you, its more of a point of whats right and whats wrong.

I am writing to you to see if you had ANY luck going through the different agencies and if so WHO!

My case involves a Time share that is running a scam and so far has defrauded me of over 10K


Any help form your hard work is apprciated.

Best regards

Bob Forsyth


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#2 Consumer Comment


AUTHOR: Robert - ()

 Ah yes the "I don't like what you are saying so I am going to say that you work for them".  Well sorry to burst your bubble but I do not work for them or any other bank.  In fact if you actually read around this site you will see that it is Standard Operating Procedure when someone doesn't like what is said they instantly go to this.

As for reading..yes you should follow your own advise.  No where did I say that you didn't have a right to dispute a quality issue.  I stated that Credit Card companies GENERALLY do not get involved because quality issues are often harder to deal with.   Where even if you re-read the dispute procedures there is no where that says if the cardholder gives enough information where the card holder thinks it is obvious that they should prevail that the credit card company must agree and reverse the charge.   Who knows perhaps you are 100% right and Chase should have seen it your way, perhaps every other credit card on earth would have seen it your way, or perhaps every other credit card would have not seen it your way.  Unfortunatly no one will ever know because you are dealing with Chase.  

Also, I noticed how you never disputed one key point...that if Chase reversed the charge that the mechanic couldn't go after you.   So you would probably end up in court anyways.  Where the judge is not going to care if Chase reversed the charges.  Oh and if you took them to court just like you couldn't use the fact that Chase agreed with you, the Mechanic can't use the fact that Chase disagreed with you to deny the chargeback.  

Court is of course a last resort, but there is one more advantage you are not even thinking of.    With a Credit Card dispute you get the money you paid him reversed.  But what about the issue with the repair?  What if the repair due to his (claimed) negligence now costs you $3000 to repair?  If you just did the dispute you probably get to come with with the extra $1,100, but take him to court and prove the extra cost is caused by his work..he also gets to pay that.  But heck..you don't want advise from someone who you think "works" for the banks anyways...so good luck.

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#3 Author of original report


AUTHOR: Doll_Gods - ()


Well if you're going to add your two cents about my posting at least be accurate. check those credit card statements you get through the mail and they clearly say on the back of them:

If you are dissatified with the goods or service that you have purchased/received with your credit card, and you have tried in good faith to correct the problem with the merchant ( as we did two more times ) after he worked on our car the first time. the credit card statement goes on to read: you have the right not to pay the remaining amount due for the purchase.

Then the back of the credit card bank statements read:

1). The purchase must have been made in your own home state or within 100 miles of your current, amiling address and the purchase price must be more then $50

2). You must have used your credit card for the purchase and or service. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.

If/all of the criteria above are met and you still are dissatisfied with the purchase, contact us at: Customer Services disputes, credit card's address


So it's pretty obvious you either work for Chase or a credit card company!

PS.  As for the messy posting, that wasn't my doing. I had paragraphs to my complaint but, this website (like many websites) lumped it all together.  But, thanks for being a jerk and pointing that out.  I was trying to save others from being victims of Chase Bank like I am now.

As to having the option to bring the Auto Body Shop to small claims court, of course we know this!  But, I had a credit card that was suppose to protect us with our purchase of a service by an auto body shop that messed up our car.  Why should the consumer have to go through these next months of stress suing the body shop ( more money involved and I'm sure he has the funds for an Attorney, (he's a business).

All for $1,900 ( come on) really. When my credit card didn't do their job and get my refund with all the evidence I supplied them. Yet, the merchant sent in one hand-written chicken scratch note one couldn't even read, scribbled on an invoice. Plus the wrong credit card name & number for us. Someone else's personal business info and credit card number sent to us by Chase( bet this guy too will appreciate his info in many others hands).   Yes, the merchant really is such an organized individual who really cared about this dispute or ever doing a good job with our car and right by us. Who knows perhaps it's your credit card information I have now in my possession that Chase sent for this dispute, think about that.

PS. I was nice enough to even call this merchant before I complained to Chase Bank or ever did a charge back. To let him know our dissatisfaction with the auto body repair work (yet again) after he wet-sanded the car and put scratches to it (3rd time working on issues). The merchantsaid,"If you want perfection perhaps you should have taken your car to a Kia dealership body shop".  Then he said, I have other cars to work on. Then he hung up on me. 

Now that's service huh?



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#4 Consumer Comment

Paragraphs are good..

AUTHOR: Robert - ()

 Honestly trying to read through this rambling "ripoff" it is hard to see exactly what is going on.  But it seems to come down to a dispute you have with a Mechanic and think that Chase isn't doing what they should be doing when you disputed it.

First off Credit Card companies do not generally allow disputes for "quality" issues, more on the reason for this in a minute.  So if the mechanic didn't do something up to what you think they should, that is not generally something a credit card will get in the middle of.  Now, if there was an illegal charge, such as you have a receipt for $100 and the merchant submited a debit of $1000..then that is a valid dispute.  But you then must follow the dispute procedure, which includes sending the dispute in writing within 60 days.

It appears that Chase at least attempted to mediate the dispute and you are upset that they didn't agree with you.  Where if this is a true "service" issue you need to deal with them through the courts if you can not come to an equitable solution.  If the amount is small enough you can handle this in Small Claims without a laywer and for very low cost(that you can recover if you prevail).

Oh and as to why banks generally don't get in the middle of service issues.  If this is a "service" issue and if by chance Chase did agree with you, they are not a court of law and their decision is not legally binding.  Which means in turn the Mechanic has every legal right to then go after you in the same civil courts becuase as far as they are concerned you have received services that were not paid for.  They may also come after you for the costs involved, such as if they did have a lawyer you may be on the hook for their attornies fees as well. 

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