ON SEP9,2009 I MADE A PAYMENT AT A CHASE BRANCH IN PELHAM, N. Y. WHICH I PERSONALY HAD HANDEDTO THE BANK TELLER HER NAMES KEISHA AND TRANSACTION NUMBER #93 OF DEPOSIT OF MY CHECK NO.623 FOR THE AMOUNT OF $600.00.A FEW DAYS LATER I FOUND OUT THAT THE $600.00 CHECK WAS BEING RETURNED, AND I IMMEDIATELY REPLACED IT WITH A CASH PAYMENT FOR $630.00 TO ALLOW FOR THE RETURN CHARGE. I CALLED CHASE AND ASKED THEM TO SEND BACK MY RETURNED CHECK, AND I WAS TOLD THAT EVERYTHING WAS DONE ELECTRONALLY, AND PAPER CHECKS WERE NO LONGER RETURNED. I CONTINUED TO MAKE ALL MY PAYMENTS ACCORDING TO THE STATEMENTS I RECEIVED FROM CHASE.
IN MARCH OF 2010 I RECEIVED A NOTICE THAT MY ACCOUNT WAS DELINQUENT. I CALLED CHASE AND ASKED WHY, BUT THEY HAD NO EXPLANATION...I WENT INTO A JPMORGAN CHASE BANK BRANCH 180 AT ON 7104 WOODHAVEN BLVD. GLENDALE, N. Y.11385 AND SPOKE TO A MANAGER HER NAME IS:MRS. IRENE MENDEZ. I BROUGHT ALL MY PAYMENT'S STATMENT AND MY DEPOSIT RECIEPTS. AND SHE AGREED THAT I HAD MADE ALL REQUIRED PAYMENTS, AND CALLED CHASE AUTO FINANCE FOR ME AND EXPLAINED IT TO THEM THAT THE MISTAKE WAS MADE. EVEN THOUGH SHE SAW THAT THE CHASE AUTO FINANCE MADE MISTAKE, BUT CHASE STILL SAID THERE GOING TO PUT IT UNDER IVESTIGATION, AND THEY WILL NOTIFY ME BY MAIL. SHE HAD TOLD ME A ALSO THAT WHEN I RECIEVE THE LETTER TO COME TO HER BECAUSE SHE IS CURIOUS TO KNOW FOR HERSELF OF THE PROBLEM AND HOW CHASE AUTO FINANCE WILL RESOLVE THIS SITUATION ABOUT MY CASE. WHEN I RECIEVED THE LETTER I WENT TO HER BUT THE MANAGER OF THIS BRANCH WAS NO LONGER THERE AND I FOUND OUT THE MANAGER IRENE MENDEZ WAS TRANSFERED TO ANOTHER BRANCH. I HAD RECIEVED HER NEW PHONE NUMBER TO THE OTHER ANOTHER BRANCH. AND I CONTACTED HER BUT SHE HAD TOLD ME THAT SHE WAS UNABLE TO CONTINUE TO HELP ME BECAUSE WHEN SHE WAS LEAVING THE OTHER BRANCH SHE HAD TO LEAVE ALL THE FILES THERE. I WAS VERY UPSET BECAUSE SHE HADSEEN THE PROBLEM AND IT WAS CHASE ERROR. I TRIED TO CONTACT CHASE AUTO FINANCE AND RESOLVE THE PROBLEM BY MYSELF. I'M SO FED UP BECAUSE THIS HAS BEEN GOING ON FOR MORE THAN A YEAR. IT SEEMS THAT CHASE IS IGNORING ME DELIBERATELY, SO THAT THEY CAN KEEP ADDING LATE CHARGES AND PENALTIES TO MY ACCOUNT. A FEW DAYS LATER I RECIEVE FROM CHASE A LETTER AND COPIES OF MY CHECK NO 623,SAYING THAT IT WAS RETURNED ON MARCH,2010 BECAUSE THE ACCOUNT WAS CLOSED, AND BECAUSE OF THIS CHECK MY ACCOUNT WAS DELINQUENT. MY ONLY RECOURSE WAS TO CONTACT MY BANK, POLISH AND SLAVIC F. C.U. FOR HELP TO PUT AN INVESTIGATION ON THIS ISSUE. A FEW WEEKS LATER MY BANK INFORMED ME THAT THE CHECK, NO 623 HAD BEEN PAID ON NOV20,2009 AND MY ACCOUNT HAD BEEN DEBITED $600.00.I HAVE COPIES OF THE CANCELLED CHECK WITH VARIOUS NUMBERS ON IT, CHASES ENDORSEMENT, AND A STAMP FROM BANK OF AMERICA WITH AN ACCOUNT NUMBER. ACCORDING TO MY BANK INVESTIGATION CHASE HAS AN ACCOUNT WITH BANK OF AMERICA SHOWING THE AMOUNT OF $ 8,095,271.01.I STILL QUESTION WHY CHASE ATTEMPTED TO NEGOTIATE THE CHECK ON ADDITIONAL TIME, AND WONDER WHAT WOULD HAVE HAPPENED IF THE ACCOUNT HAD STILL BEEN OPENED.
DESPITE ALL THIS INFORMATION WHICH I PROVIDED TO CHASE, THEY REFUSE TO RESOLVE THIS MATTER, AND CONTINUE TO ADD CHARGES, AND HAVE THREATENED REPOSSESSION OF THE VEHICLE. THEY CONTINUE TO REPORT THE ACCOUNT DELINQUENT, WHICH ALSO AFFECTS MY HUSBAND, WHO COSIGNED THE LOAN. I BELIEVE THAT CHASE HAS ACTED ILLEGALLY, FRAUDULENTLY, AND INAPPROPRIATELY IN THIS MATTER. THIS SITUATION HAS CAUSED A LOT OF STRESS FOR ME AND HAS AFFECTED MY FAMILY. I HAVE SPENT MANY HOURS, COPYING RECORDS, DOING CORRESPONDENCE, AND TRYING TO GET HELP TO RESOLVE THIS MATTER.
I HAVE BEEN TO THE QUEENS DISTRICT ATTORNEY, BECAUSE I BELIEVE THERE WERE FRAUDULENT ACTS REGARDING THIS CHECK, AND ALTHOUGH THEY AGREED THAT A CRIME MIGHT HAVE TAKEN PLACE, THEY SAID THAT IT WAS NOT WITHIN THEIR JURISDICTION, AND REFERRED IT TO THE N. Y. STATE ATTORNEY GENERAL. THEY REFERRED IT TO THE you S SECRET SERVICE, WHICH AGREED THAT THERE WAS FRAUD, THEY STATED THAT THE AMOUNT OF THE CHECK WAS NOT ENOUGH TO MEET THEIR LEVEL TO INVESTIGATE.
PLEASE HELP ME TO RESOLVE THIS MATTER...I NEDED YOUR HELP!!!
THANK YOU FOR YOUR HELP.
ELIZABETH DRYJAS
QUENNS, NEW YORK
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