Chase
Mortgage Checks Cashed Repeatedly and Credit Card Overcharges

Since October Chase Home Finance has taken 48 extra payments by cashing checks multiple times (one NINE times). Meanwhile, they are harassing me for late payments and have damaged my credit rating severely. They have sent three letters stating that they corrected my credit rating, but that has not happened. I have contacted them EVERY MONTH since January when they held a payment until they could collect a late charge, then cashed it. I have written and mailed a payment each and every month. In the last three months they have returned eight ORIGINAL checks with letters stating that they are copies, and as such they can not be cashed. My bank (not Chase) has provided me with copies of 48 CASHED checks and there are some additional where they have done the ACH AND THE CHECK. I have also provided copies of the bank statements requested. I have asked Chase for an annotated (with check numbers) payment history so I can determine WHICH CHECKS they have not given me credit for. In return they ask me for bank statements WITH THE RETURNED ITEMS LISTED... There are no returned items, as I took out a line of credit to finance the "Chase mess". That line of credit has subsequently been terminated for my bad credit rating caused by Chase (false reporting of foreclosure). I have also gotten letters from my bank (not Chase) stating that the attached statements (reconstructed) are accurate and that the checks are bank copies. That banker also raised a concern about the length of time Chase holds item before cashing (up to six months!).
On the credit card side, Chase started in March to double, triple and quadruple charge me for gas charges. I put in complaints. I was comparing my gas charges with October and, with the same usage my gas charges were SIX TIMES AS MUCH... Not the rate of the price increases at the pumps! I was finally referred to the Fraud Unit, where I was told that they had discovered a second credit card had been created for my account, so they FORCED CLOSED the account and started a new one with a new number. Additionally, the fraud unit DEMANDED that I go online and enter as an online user, bring all my Chase accounts together. I then noticed that the problem spread to the other THREE credit cards and Chase would no longer take ANY CHECKS as payment on my accounts, including the mortgage. I continued to pay my bills, resulting in large credit balances, to avoid the late charges and interest threatened while they investigated. Last week I received a letter stating that they were now going to charge my NEW account, which I haven't activated, but it has been used, WITH ALL THE CHARGES THAT WERE PREVIOUSLY DETERMINED TO BE UNAUTHORIZED AND DUPLICATE BECAUSE THEY HAD CONCLUDED THEIR INVESTIGATION!
I have lost $48,242.52 to Chase Mortgage and $6210.37 to Chase Credit, while they continue to harass me for "non-payment".

Company: Chase
Country: USA

  <     >