Go Back   DIY Chatroom Home Improvement Forum > The Break Room > Off Topic

CLICK HERE AND JOIN OUR COMMUNITY TODAY...IT'S FREE!

Reply
 
Thread Tools Search this Thread Display Modes
Old 07-07-2011, 04:42 PM   #1
Member
 
Join Date: Oct 2010
Location: St.Louis,Mo.
Posts: 212
Rewards Points: 0
Share |
Default

Think your bank is a pain.......


I cant imagine going thru this.

link---------->http://www.king5.com/news/125105599.html

-----------------------------------------------------------------------


AUBURN, Wash. - Buying his own home was a big accomplishment for construction worker, Ikenna Njoku, of Auburn. He’s only 28 years old.
“I was really excited. For the first time, I actually got to buy a lawn mower, mow my lawn and everything,” said Njoku.

Njoku qualified for the first time home buyer rebate on his tax return.

"It was really important, I had a vehicle I was looking on paying off," said. Njoku. And it wasn’t just any vehicle. “It was a 2001 Infinity I-30, silver…just like my favorite car, “he said.

Njoku signed up to have the rebate deposited directly into his Chase Bank account. But when the IRS rebate arrived, there was a problem. Chase had closed Njoku’s account because of overdrawn checks in the past. The bank deducted $600 to cover what he owed them and mailed him a cashier’s check for the difference--$8,463.21.

But when Njoku showed up at the Chase branch near his house intending to cash the check, he was in for a nasty surprise.

The check had Njoku’s name and address on it and was issued by JP Morgan Chase. But the Chase Customer Banker who handles large checks at the Auburn branch was immediately suspicious.

“I was embarrassed,” Njoku said. “She asked me what I did for a living. Asked me where I got the check from, looked me up and down—like ‘you just bought a house in Auburn, really?’ She didn’t believe that,” he said.

The Customer Banker said the check looked fake, so she took it, along with Njoku’s driver license and credit card, and called Bank Support.

After waiting for about 15 minutes, Njoku said he got impatient and told Chase he was leaving to do an important errand. By the time he got back, the bank was closed. Njoku said he called customer service and asked them what he should do. He says they told him to go back to the bank the next day to get his money.

But when Njoku arrived, it wasn’t the money that was waiting for him.

“They just threw me in jail; they called the police and said this guy has a fraudulent check,” Njoku said.

Auburn police arrested him for forgery - a felony crime.

“I was like - you’re making a mistake, you’re making a mistake, don’t take me to jail, I got work tomorrow. I can’t afford to miss work,” he said.

Njoku was taken to jail on June 24, 2010, which was a Thursday. The next day, Chase Special Investigations, realized it was a mistake. The check was legitimate. The Investigator called Auburn Police and left a message with the detective handling the case, but it was her day off. So Njoku stayed in jail for the entire weekend. Finally, on Monday, he was released.

Auburn Police Commander Dave Colglazier said Chase could have done a lot more to let them know they’d locked up an innocent man.

“We do have a main line that comes into our front office,” he said. “There are ways to reach someone 24/7 at a police department.”

For Njoku, going to jail for five days meant a lot more than just losing his freedom. He said the entire time he was “just stressed out…trying to figure out what was going on with my vehicle. I love my vehicle,” he said.

Njoku’s car had been towed from the bank parking lot and his check seized as evidence.

“I had to wait a couple of weeks,” he said, “and my car got sold, auctioned off."

Njoku says he didn’t have the money to pay the impound fees and fines to get his car back before it was sold. He said he also lost his job because he didn’t show up for work while he was in jail.

After all of that, Njoku said he never heard a word from Chase.

“They haven’t even sent me a letter or apologized,” he said. “It’s been a year we’ve been trying to contact these guys.”

Finally, A Seattle attorney offered to help. Last week, Felix Luna sent Chase a scathing letter. Read the attorneys' letter to Chase

“It’s one thing to make a mistake,” Luna said. “It’s one thing to make multiple errors of judgment like Chase has made and then, once you realize that your error has caused such harm to somebody else, to just ignore it for a year. I think he deserved better. I think all their customers do.”

Like Njoku, KING 5 had a difficult time getting answers from Chase. A week after first contacting them, they sent a two line e-mail.

"We received the letter and are reviewing the situation. We'll be reaching out to the customer," wrote Darcy Donoahoe-Wilmot, from Chase Media Relations.

Njoku said that even after he got out of jail, he said was confused and upset. "For a month, two months, I was just down and depressed," he said.

He’s still happy he bought his house, but sad that his experience with his own bank was so humiliating.

“They treated me like a criminal,” he said.

STL B. is offline   Reply With Quote
Old 07-07-2011, 05:33 PM   #2
Tileguy
 
Bud Cline's Avatar
 
Join Date: Mar 2006
Posts: 10,169
Rewards Points: 16
Default

Think your bank is a pain.......


And he is black on top of it. Therein lies the real issue.

I'm not buying the car auction thing tho.

__________________
XXX
Bud Cline is online now   Reply With Quote
Old 07-07-2011, 05:46 PM   #3
Member
 
Join Date: Oct 2010
Location: St.Louis,Mo.
Posts: 212
Rewards Points: 0
Default

Think your bank is a pain.......


Quote:
I'm not buying the car auction thing tho.
I can, tow yards in stl hock them in no time at all. There's been several caught re-titleing cars well before the 30-40 day min. set by the state.....often in just days and thats just theft
STL B. is offline   Reply With Quote
Old 07-07-2011, 07:36 PM   #4
Old School
 
Willie T's Avatar
 
Join Date: Jan 2009
Location: St. Petersburg, FL Minds of moderate caliber ordinarily condemn everything which is beyond them.
Posts: 3,634
Rewards Points: 0
Default

Think your bank is a pain.......


Why can't I ever fall into such a perfect lawsuit situation like that? If he has a mouthpiece worth his salt he can end up with many times what he lost.
__________________
"True eloquence consists in saying all that is necessary, and only that which is."
François Duc de La Rochefoucauld
Willie T
Willie T is offline   Reply With Quote
Old 07-07-2011, 07:51 PM   #5
Pro Flooring Installer
 
rusty baker's Avatar
 
Join Date: Feb 2009
Location: SW Missouri
Posts: 3,858
Rewards Points: 4
Default

Think your bank is a pain.......


And that's not even the worst bank in the country. Every year a consumer group polls to see which bank has the worst customer service. Bank Of America wins almost every year.
__________________
The ads in my post are there without my permission. I do not endorse any of the products.
Semi-Retired Installer
Installing since 1973
rusty baker is offline   Reply With Quote
Old 07-07-2011, 07:58 PM   #6
Member
 
Join Date: Oct 2010
Location: St.Louis,Mo.
Posts: 212
Rewards Points: 0
Default

Think your bank is a pain.......


Quote:
If he has a mouthpiece worth his salt he can end up with many times what he lost.
I think it would take many..many..many..many..many times that amount to sooth my pain if it were me. I think this guy will be one of wealthest people in his county.
STL B. is offline   Reply With Quote
Old 07-08-2011, 07:56 AM   #7
Old School
 
Willie T's Avatar
 
Join Date: Jan 2009
Location: St. Petersburg, FL Minds of moderate caliber ordinarily condemn everything which is beyond them.
Posts: 3,634
Rewards Points: 0
Default

Think your bank is a pain.......


Of course, I think it goes without saying that there is more to this story than we are being told.

A year has gone by, and he has not been able, till now, to find an ambulance chaser to jump on this for a nice percentage?

M'thinks there is something rotten in Denmark.
__________________
"True eloquence consists in saying all that is necessary, and only that which is."
François Duc de La Rochefoucauld
Willie T
Willie T is offline   Reply With Quote
Old 07-08-2011, 08:21 AM   #8
Member
 
Join Date: Oct 2010
Location: St.Louis,Mo.
Posts: 212
Rewards Points: 0
Default

Think your bank is a pain.......


Quote:

Of course, I think it goes without saying that there is more to this story than we are being told.

A year has gone by, and he has not been able, till now, to find an ambulance chaser to jump on this for a nice percentage?
It sounds like he's a immigrant, he may not have how to handle this situation. I'll give him the benefit of of a doubt.
STL B. is offline   Reply With Quote
Old 07-08-2011, 08:25 AM   #9
DIY Hack
 
Mr Chips's Avatar
 
Join Date: Mar 2008
Location: Location, Location
Posts: 1,302
Rewards Points: 0
Default

Think your bank is a pain.......


Quote:
Originally Posted by Willie T View Post
A year has gone by, and he has not been able, till now, to find an ambulance chaser to jump on this for a nice percentage?
I didn't see anywhere in the article that says he ever tried to get an attorney. Maybe the guy just figured he couldn't afford an attorney, so never tried until recently. The article does say that the guy has tried to contact someone at Chase corporate for a year. If he was unsuccesful for a year, and an attory is able to get results, why shouldn't they be paid a percentage for their efforts, especially if they are taking on contigency. It was no doubt the attorney that took the story public. I realize that "ambulance chasers" get a bad wrap, and some of them deserve it, but are the big banks really that much better?

If this story is only 50% true, it sounds like this guy deserves something for his trouble
__________________
Those who can, do...
Those who can't criticize on the internet
Mr Chips is offline   Reply With Quote
Old 07-08-2011, 08:35 AM   #10
Member
 
Join Date: Oct 2010
Location: St.Louis,Mo.
Posts: 212
Rewards Points: 0
Default

Think your bank is a pain.......


Quote:
it sounds like this guy deserves something for his trouble
Yes, lots and lots of something
STL B. is offline   Reply With Quote
Old 07-08-2011, 09:50 AM   #11
Wire Chewer
 
Red Squirrel's Avatar
 
Join Date: Jun 2009
Location: Ontario, Canada
Posts: 3,211
Rewards Points: 0
Default

Think your bank is a pain.......


Wow that really sucks. I say he should get a good lawyer and pull the race card.
Red Squirrel is offline   Reply With Quote
Old 07-08-2011, 10:19 AM   #12
Old School
 
Willie T's Avatar
 
Join Date: Jan 2009
Location: St. Petersburg, FL Minds of moderate caliber ordinarily condemn everything which is beyond them.
Posts: 3,634
Rewards Points: 0
Default

Think your bank is a pain.......


So all of you would also mess around for a year -- a YEAR, mind you -- "trying to contact someone" at this bank?

I think the opportunity to reap a payday is fantastic. And the bank deserves every hard blow they could receive. But I still have to wonder what's not being told when the guy waits all this time.

Personally, I would have been sitting in a lawyer's office ten minutes after I was released from jail.

He had the initiative to get the government handout for buying a house. And he had enough savvy to make a contract for that nice car.

This boy ain't some dumb m'grent straight off the boat.
__________________
"True eloquence consists in saying all that is necessary, and only that which is."
François Duc de La Rochefoucauld
Willie T

Last edited by Willie T; 07-08-2011 at 10:21 AM.
Willie T is offline   Reply With Quote
Old 07-08-2011, 10:32 AM   #13
DIY Hack
 
Mr Chips's Avatar
 
Join Date: Mar 2008
Location: Location, Location
Posts: 1,302
Rewards Points: 0
Default

Think your bank is a pain.......


Quote:
Originally Posted by Willie T View Post
So all of you would also mess around for a year -- a YEAR, mind you -- "trying to contact someone" at this bank?

I think the opportunity to reap a payday is fantastic.
Maybe that's more of a reason NOT to get a lawyer involved. The bank is going to be paying, so why not take a little time and try to settle on his own, so he keeps 100% instead of 60%. Maybe the bank was giving him the runaround, hoping he would get frustrated and lose interest. I am giving the media a little credit that they did some fact checking before running the story. If the bank thought they did nothing wrong or that there was more to the story I assume they would have released more of a statement to the news agency at the very least

Who knows, the guy wasn't smart enough to keep his account from getting overdrawn and closed in the first place, so anything is possible.
__________________
Those who can, do...
Those who can't criticize on the internet
Mr Chips is offline   Reply With Quote
Old 07-08-2011, 08:19 PM   #14
Member
 
Join Date: Nov 2008
Location: West Michigan
Posts: 4,222
Rewards Points: 14
Default

Think your bank is a pain.......


Quote:
Originally Posted by rusty baker View Post
And that's not even the worst bank in the country. Every year a consumer group polls to see which bank has the worst customer service. Bank Of America wins almost every year.
I would have guessed Huntington Bank.

gma2rjc is offline   Reply With Quote
Reply

Tags
bank, chase


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
How to stop bank from washing away Godislove555 Landscaping & Lawn Care 11 02-27-2011 09:30 AM
is this possible? gorr Electrical 17 11-24-2010 08:03 AM
Wow, I got money coming beenthere Off Topic 12 01-21-2010 01:28 PM
Kitchen - Old Gloss Pain daisyink Painting 2 07-03-2009 07:15 PM
Buying REO From Bank, Got An Inspection, There Is Blackwater jvogler Plumbing 12 05-28-2009 07:59 PM




Top of Page | View New Posts

Copyright © 2003-2014 Escalate Media. All Rights Reserved.