JP Morgan Chase Bank, more commonly known as Chase Bank, is a financial services company which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Who is Chase Bank?
According to their website, Chase Bank currently boasts 5,100 branches, 16,000 ATMs, and serves nearly fifty percent of American households. Chase is the US commercial and banking portion of JP Morgan Chase & Company. Chase Bank’s “mission is to create engaged, lifelong relationships.”
Chase Bank offers an astounding twenty-six credit cards to consumers, many of which provide incentives for charging large amounts in a short period of time. Chase Freedom Credit Card and Chase Unlimited Freedom Credit Card both reward users with a $150 bonus for spending $500 within three months of opening an account. The Chase Sapphire Preferred Credit Card grants 50,000 bonus points to consumers who spend over $4,000 on purchases within three months of opening. The United Explorer credit card offers 40,000 bonus miles to those who spend $2,000 within the first three months. The World of Hyatt Credit Card ups the ante by offering 40,000 bonus points if users charge 3,000, and an additional 20,000 points to consumers who charge $6,000 worth of purchases in the first six months. They also provide prepaid credit cards for a modest $4.95 monthly fee.
In addition to credit cards, Chase Bank also offers consumers traditional banking services (checking and savings), auto loans, mortgages, and investment programs.
For businesses, Chase Bank provides six credit cards, with an APR ranging from 17.74-22.74% and annual fees from $95-$99, with the exception of the Miles Plus Explorer, which waives the fee the first year.
How Many Complaints are there against Chase Bank?
Since March 2015, the Consumer Financial Protection Bureau (CFPB) has logged over 7,906 complaints against Chase Bank, ranging from difficulties managing accounts and advertising complaints to incorrect information on their credit reports. The BBB’s profile page for Chase Bank lists 1,944 complaints closed in the past three years, with 719 closed in the past 12 months. Most of these complaints were about billing and collection issues, but also included complaints about advertising and customer service. Of the 27 customer reviews, 26 are negative. Justia lists at least 37 cases of civil litigation that name Chase Bank as a defendant.
How Much Will It Cost to File A Lawsuit Against Chase Bank?
Absolutely NOTHING. Here are some Sample Cases filed in Federal Court
In September 2017, Lemberg Law filed a case on behalf of “Carl V.,” in the Western District of Texas Federal Court. Since 2015, Plaintiff had been receiving calls from Chase Bank employing an ATDS (automatic telephone dialing system) for an individual named Randy, unknown to Plaintiff. Carl had never given Chase his phone number nor granted them permission to call him, yet was receiving several calls a day without relief. Lemberg Law asked for $500 for every phone call made in violation of the TCPA. Case settled with Plaintiff receiving a settlement for an undisclosed amount.
In August of 2017, Lemberg Law filed a case in federal court for the District of Arizona on behalf of “Lindy L.” Plaintiff had incurred a debt with Chase Bank which was paid off in full in February 2016. Despite this, Chase Bank erroneously reported to a credit bureau that Lindy owed them money, resulting in her being turned down for a new bank account. Even after Plaintiff disputed Chase’s report, Defendant persisted in identifying Lindy as an account risk who had a history of non-payment. Lindy received a cash settlement from the defendant in an undisclosed amount for her trouble.
P.O. Box 15298
Wilmington, DE 19850
Telephone: (302) 658-7581
Chase Bank Calling You?
Understanding Your Debt Collection Rights
Federal consumer protection laws are designed to protect consumers from unethical business practices. For example, the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) regulate the way in which collection agencies can conduct business. The FDCPA’s provisions prohibit the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies.
Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how consumers can assert their rights when financial services companies overstep their bounds.
These laws also provide individuals with a means to seek monetary damages in court. For instance, the TCPA provides monetary compensation to consumers who can prove harassment. In the case of willful harassment, this compensation can be increased three times. As a result, entities can be fined up to $500 if case harassment is proved. In case willful violation is proved, this compensation can be up to $1500.
Ready to Stop the Harassment from Chase Bank?
Your phone harassment checklist:
- Your debt harassment checklist:
- Calling you before 8:00 am or after 9:00 pm
- Calling and not identifying themselves or their purpose.
- Use misleading of fraudulent tactics to communicate with you
- Calling you at your place of employment
- Calling your friends, neighbors, or coworkers
- Disclosing personal info to someone else without your consent
- Ignoring your requests to not call you; not honoring the Do-Not-Call-Registry.
- Threatening and intimidating you with violence, lawsuit, or arrest
- Use of threats, offensive language and aggressive behaviors
- Criminal accusations are being made towards you
- Automated robocalls are being made to your phone in an attempt to collect
- Harassing you with constant or unwanted calls
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW
What Our Clients are Saying
“Lemberg Law has been great in handling my harassment case . They got the robocalls to stop when I was unable to get my number taken off the company’s list on my own. I highly recommend this law firm to anyone having an issue with pushy bill collectors harassing you”
“Was getting harassed by phone calls. Looked for an attorney that could help online and found Lemberg Law. They took care of everything and kept in contact with me just the right amount. Never expected anything would come of it but they did all the work and it relieved a lot of stress in my life!”
“Lemberg Law was a great choice. They really helped me with my situation. They were very professional and answered any questions I had and responded to my calls and emails. I would definitely use them again and recommend them to others.”
Can You Help Me Stop Chase Bank Harassment?
Chances are we can. Call us to today and we’ll tell you how we can help.