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Home > JPMorgan Chase Unethical > Chase Bank Court Orders & Levies Department Appears to be Breaking the Law

Chase Bank Court Orders & Levies Department Appears to be Breaking the Law

This story was originally sent in a couple of months ago. Chase Bank has been busted for some really shady things in the past, but this was something completely new and probably illegal so the facts needed to be verified before being published.

Chase Bank Scamming Extra Money off of Court Orders.

If there is a court ordered hold placed on your bank account for any amount, a special department called the Chase Bank Court Orders & Levies Department located in Columbus Ohio gets involved. No surprise there, but here is where it gets interesting.

Apparently it is the policy of Chase Bank to freeze double the amount of funds in the court order. In other words, if the state of New York for instance, claims you owe them $1,000 for something, they will send a court order to Chase Bank asking that they put a hold on your bank account in the amount of $1,000. Ok, no big deal so far. But then Chase will do a couple of things with that order that puts them into a gray area legally.

First, they will freeze double the amount being asked for by the court order. That money is still used by Chase Bank in their day to day business operations, so they will loan your "frozen" money out to other people and collect money on the interest. Therefore, they are financially benefiting by freezing more of your money than the court order demands.

It's important to note that they have no legal obligation to hold that money, since the court order doesn't allow for it, and they have no legal right to hold that money, since it goes against the terms in the agreement you sign when you open an account with Chase bank.

Second, they will freeze all ATM and online withdrawals. This is after the other money (x2) is already frozen. So let's say you have $10,000 in your bank account and in the same hypothetical as earlier, the State of New York gets a court order to have Chase Bank put a hold on your account for $1,000 until the issue can be resolved. Not only will Chase freeze double that amount ($2,000), but they will prevent you from accessing the other $8,000 in your account through ATM or online.

It does not matter that the disputed funds have already been frozen or that you have more than enough to cover it, all of your funds are frozen from any ATM or online withdrawals. And the best part is, when you call to speak to the Chase Bank Court Orders & Levies Department to inquire, you will be lied to (by Chase Bank's own internal policy) and told that the holds for double the amount were requested by the court order, and not the result of an internal policy that Chase has to increase profit.

[editors note - When calling in to Chase to verify this policy, I heard these same lies told by the front line call center operators as were told in this story. However, the truth finally came out as I went up the ladder and finally to the Chase Executive Office and Chase Legal Department.]

So that means that either all of the customer service reps on the phone are lying about the policy to the customers with account holds (unlikely, since they have nothing to gain), or they have been trained and continue to be trained by their supervisors and the Chase Legal Department to intentionally mislead and outright lie about this policy, blaming the courts that issue the orders, so that they can essentially steal account holders money for a time period and profit off of it.

Kleber Vilanova

When pressed for answers on why Chase is training their customer service reps to lie on the phone to the customers about these policies, the manager of the Court Orders & Levies Department - a man named Kleber Vilanova refused to discuss the matter any further. Although Kleber Vilanovaacknowledged that the service reps under his watch were "giving incorrect information" (ie lying) to customers, he refused to say whether the employees would be retrained to correct the situation.

The next step was to contact the Chase Bank Executive Office where I spoke with a man by the name of Danneil Jackson, at (877) 658-5560 ext 1299031. He acted shocked and promised to get to the bottom of the situation with a resolution within 48 hours. However, once he passed it up the ladder they quickly got the Chase Bank Legal Department involved and cut off all communication regarding the issue.

Editors note: Several lawyers were contacted and the consensus is this is a good fit for a class action lawsuit against Chase Bank, provided there are enough claimants. Since this site gets over 25,000 visitors every month, many of which have been screwed over by Chase Bank, I offered to post this here to raise awareness of the issue.


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About The AuthorAdmin

I'm just a guy that doesn't like to put up with bullies. The bigger the bully, the bigger the challenge. Chase Bank is a scourge upon the earth and this website was created to expose them for who they really are.


<< Older Comments

Daniel Castro NOVEMBER 5, 2018

Legal Problems
If your bank account has been frozen because of credit card debt, medical bills or bank loans, find out why. You should have received bills from the creditor, and notices from the collection agency. Make sure you owed this bill, and try to resolve it as quickly as possible.

The creditor and bank do not have to notify you before your account is frozen. Creditors or debt collectors, however, are required to notify you if they have filed a lawsuit against you and have obtained a judgment against you. If you weren't notified, contact the court making the judgment, and you will have a good chance of getting the judgment vacated.

If you were properly notified, your best option is still to get the judgment vacated. You will need to go to court to do this. Try to get a lawyer experienced in consumer law, and for that, especially if you need financial assistance, the National Consumer Law Center may be able to help.

No bank account in the United States containing $1,740 or less can be frozen by a creditor. The Exempt Income Protection Act of 2009 determined that freezing such accounts caused undue hardship to the account holder and may have rendered him without the means for sustenance. If you have a direct deposit account which receives payment from Social Security, unemployment or other government benefit programs, the limit jumps to $2,500.
You are at the mercy of company policy and banking holidays when it comes to releasing retailer holds on your account. Consider using cash or credit cards for hotel rooms, gas purchases and rental cars whenever possible to avoid the situation.

DEB OCTOBER 26, 2018

If your account has a freeze on it by a creditor you are supposed to receive a claim of exception form within 2 business days from the time the bank was served with the order to freeze your account. You have a right to note what funds are exempt. If the bank doesn't serve this on you (which is supposed to be served on them by the creditor with the order to freeze your account) they need to release your account since service was not legal. Whether the creditor did not provide the exception form filling out their portion and the bank froze your account anyway or the bank did not serve this document on you even though it was served on them. The freeze is void and they need to release your funds. See attached : https://www.nysenate.gov/legislation/laws/CVP/5222-A

sl riddell SEPTEMBER 18, 2018

We are currently dealing with this from Chase. They will not provide a legal order as promised proving they have the correct person and account. Did anyone else have an issue seeing a legal order for their lien?

Patricia Cole SEPTEMBER 17, 2018

If there is a class action law suit, please tell me how I can be involved.

Patricia Cole SEPTEMBER 13, 2018

My chase account is still frozen a month after I filed bankruptcy. My lawyer sent in my bankruptcy petition after a creditor put a levy on my checking account. The creditor (the one who originally put the levy on my account) sent over a release saying that want to remove the levy on my account. I was told that a judge had to sign off saying it was ok to unfreeze my account. I had $1,300 in my account and Chase paid two of my bills with the money in my account causing my available total to go down to $1,008. They charged me $36 x 2 for overdraft fees after using my own money to my own bills. I was told the fees would be reversed and they never were. Chase also took double the amount of what I owe the creditor and put the funds on hold.

This has been a pain in the a*s. Once my account is back to normal, I will be closing my account and going somewhere else. Please do not bank with Chase their levy department is unfair and lie.

Rahizanel Raub SEPTEMBER 11, 2018

Please i would like to speak to someone about this situation.
Chase bank for 2 years now has held my money and hasnt complied with attorneys or sherrifs.

Rahizanel Raub SEPTEMBER 11, 2018

7386 Saddle Rd., Unit C

Natasha Beaman SEPTEMBER 7, 2018

So is there a class action in the works?

Shar AUGUST 29, 2018

Chase treated its customers like s**t. It violates laws and deprives customers of their basic rights. I had two cashers' checks issued by Chase branch against my account, and they were frozen without notifying me and when I talked to them they, were extremely rude and hangoff the phone on me. Cashers check is the same as cash, their act equals to take cash back from my hands. Chase put negative $999,000,000 on my accounts, when I get into my account online, it shows -$999,000,000 on my account. They don't deserve to have any customers in their banks. They are not a customer oriented bank. I want to sue them.

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Featured Numbers

- Anonymous
New York

Was this comment helpful?   Yes   No  

[Reply]   November 8, 2018

Caller type: Unknown

This was done by Ana Peguero aka Christi Iris Ana.
This spirit of the dead was EMBEZZLING from everywhere.

PO BOX 181364
COLUMBUS, OH 43218-3164
PO BOX 9004
WOODBURY NY 11797 516-686-8993

- Anonymous
New York

Was this comment helpful?   Yes   No  

[Reply]   October 31, 2018

Caller type: Scammer/Fraudster

Embezzling from our Checking Accounts.

Aly and Katherine Hibbard and
Shane H. Webber acting like they are Chase Customer Service Rep for Court and
Levies Department. They are Spirit of the Dead Devils Embezzling from our Chase Checking Account. Ana Pegeuro Aka Christi Iris Ana, Marilyn Nieves Aka Marilyn Morales, Tiffaine Santiago Aka Tiffaine Conde, Angela Brown. Also involved. Don't
Know if any spirit of the dead involved.
They use alot of different names.

- Anonymous
New York

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[Reply]   October 22, 2018

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