Free Republic
Browse · Search
News/Activism
Topics · Post Article

Skip to comments.

Jailed for cashing Chase check at Chase bank
King 5 ^ | 07/07/2011 | King 5

Posted on 07/07/2011 12:17:33 PM PDT by The Magical Mischief Tour

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.


TOPICS: Business/Economy; Crime/Corruption; Extended News; Government; News/Current Events; US: Washington
KEYWORDS: chase; jpmorganchase
Navigation: use the links below to view more comments.
first 1-5051-76 next last

1 posted on 07/07/2011 12:17:40 PM PDT by The Magical Mischief Tour
[ Post Reply | Private Reply | View Replies]

To: The Magical Mischief Tour

I’m as anti-lawyer as anyone.

But, methinks this fellow should sue...big time!


2 posted on 07/07/2011 12:20:00 PM PDT by Da Coyote
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

Time to lawyer up and sue the everliving piss outta all involved in this mans unlawful arrest. The bank, the tellers who made the fraud call on the check, the police,,, everyone....


3 posted on 07/07/2011 12:20:03 PM PDT by The Magical Mischief Tour (With The Resistance...)
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

They must have thought the guy was named “Washington Mutual”. I would say much more about chase, but I would hear from their lawyers. Watch it!


4 posted on 07/07/2011 12:21:59 PM PDT by blackdog (The mystery of government is not how Washington works but how to make it stop)
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

Chase is gonna be sorry they lost his business when he gets his money from his uncle the Nigerian Finance Minister.


5 posted on 07/07/2011 12:22:03 PM PDT by Tijeras_Slim
[ Post Reply | Private Reply | To 1 | View Replies]

To: Tijeras_Slim

More like Uncle Chase


6 posted on 07/07/2011 12:23:31 PM PDT by Crazieman (Feb 7, 2008 http://www.freerepublic.com/focus/f-news/1966675/posts?page=28#28)
[ Post Reply | Private Reply | To 5 | View Replies]

To: The Magical Mischief Tour

I think Chase may be taking some of that mortgage bill away. If not, i hope he gets the bank staff involved a free three day weekend in jail for their part of this.


7 posted on 07/07/2011 12:24:15 PM PDT by pikachu (After Monday and Tuesday, even the calender goes W T F !)
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour
Something really smells here, if all his lawyer did was write a letter and not file a multi-million dollar lawsuit for false imprisonment, loss of his job, false swearing, etc. There is the possibility of even a criminal suit re the false imprisonment issue. The police are culpable as well for taking the word of a possibly PMS-stricken bank teller without any kind of evidence to back up the arrest.I sense some racial profiling here as well.

Something really smells.

8 posted on 07/07/2011 12:24:15 PM PDT by Real Cynic No More (ual)
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

Well, sounds like he did bounce some checks in the past.


9 posted on 07/07/2011 12:24:37 PM PDT by Age of Reason
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

On general principles, I don’t like lawsuits. But in this gentleman’s case, I make an exception.

IMHO, if he files suit, takes in front of a jury, and said jury award his Fifteen Gazillion Bajillion Dollars, I’m all for it.

Or, better yet, enough money to buy Chase Bank. Vengeance is a dish best served cold (Old Klingon Proverb).


10 posted on 07/07/2011 12:25:50 PM PDT by AnAmericanAbroad (America is the land of opportunity; live in it. -Bruce Campbell)
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour
Banks can't find ownership documents for the homes to which they hold mortgages.
Banks can't recognize the validity of the checks that they issue themselves.

But don't worry -- our financial system is sound as a dollar!!

11 posted on 07/07/2011 12:26:03 PM PDT by ClearCase_guy (The USSR spent itself into bankruptcy and collapsed -- and aren't we on the same path now?)
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

A year? Ain’t very bright, is he, if he’s just now thought... Hey, I should talk to a lawyer...


12 posted on 07/07/2011 12:28:22 PM PDT by kingu (Everything starts with slashing the size and scope of the federal government.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

It would be amusing if Chase ends up using an argument that the man has no standing as an illegal alien. I’ve seen the way they make money off of illegals, so if someone at the bank saw his name and made an assumption...


13 posted on 07/07/2011 12:28:26 PM PDT by Ingtar (Together we go broke (from a Pookie18 post))
[ Post Reply | Private Reply | To 1 | View Replies]

To: Crazieman

More like Uncle Chase

You got that right! They are so connected with this administration that every time a staffer opens their mouth, a little Chase runs down their chin from the inability for them to swallow fast enough.


14 posted on 07/07/2011 12:29:12 PM PDT by blackdog (The mystery of government is not how Washington works but how to make it stop)
[ Post Reply | Private Reply | To 6 | View Replies]

To: The Magical Mischief Tour

Advice for Mr. Njoku:

When you get your big settlement check from Chase, go to a different bank to cash it.


15 posted on 07/07/2011 12:30:18 PM PDT by Above My Pay Grade
[ Post Reply | Private Reply | To 1 | View Replies]

To: Age of Reason
Well, sounds like he did bounce some checks in the past.

So? Overdrawing your account doesn't excuse this sort of treatment, especially since the questioned check was generated by the very bank that he was trying to cash it at.

16 posted on 07/07/2011 12:30:41 PM PDT by Bob
[ Post Reply | Private Reply | To 9 | View Replies]

To: Above My Pay Grade

Take it to the same bank, same teller, and fill out one deposit slip for today, and offer them a mulligan. Do it on a tuesday and pray it’s a two-fer.


17 posted on 07/07/2011 12:34:19 PM PDT by blackdog (The mystery of government is not how Washington works but how to make it stop)
[ Post Reply | Private Reply | To 15 | View Replies]

To: The Magical Mischief Tour

Just another ‘dead beat’ trying to extort money from a poor put upon bank. Maybe they can get him locked up again but this time under the jail so they won’t have to deal with him.


18 posted on 07/07/2011 12:34:37 PM PDT by Kartographer (".. we mutually pledge to each other our lives, our fortunes, and our sacred honor.")
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

Didn’t he have a friend at Chase? I thought everybody has a friend at Chase.


19 posted on 07/07/2011 12:34:52 PM PDT by C210N (0bama, Making the US safe for Global Marxism)
[ Post Reply | Private Reply | To 1 | View Replies]

To: ClearCase_guy
our financial system is sound as a dollar

that is a scary thought

20 posted on 07/07/2011 12:35:28 PM PDT by no-to-illegals (Please God, Protect and Bless Our Men and Women in Uniform with Victory. Amen.)
[ Post Reply | Private Reply | To 11 | View Replies]

To: Above My Pay Grade

That’s pretty funny.


21 posted on 07/07/2011 12:37:27 PM PDT by Durus (You can avoid reality, but you cannot avoid the consequences of avoiding reality. Ayn Rand)
[ Post Reply | Private Reply | To 15 | View Replies]

To: The Magical Mischief Tour

Poor guy fell for the Kenyan scam letter:

Dear Ikenna Njoku,

I am a high ranking official of the United States and am looking for individuals to help me move money out of the U.S. Treasury and send it to people like yourself, seeking a better life. In order to participate in this plan, I need you to send me your bank account number and I will deposit the amount of $8,463.21 in your checking account, without any risk to yourself, whatsoever.

I hope to hear from you urgently, because Republican legislators are trying to close down this plan before I completely bankrupt the entire country. Time is of the essence. Answer immediately.

Respectfully Yours,

Barack Hussein Obama
Resident of the United States


22 posted on 07/07/2011 12:38:04 PM PDT by Lonesome in Massachussets (Somewhere in Kenya a village is missing its idiot)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Real Cynic No More

A democrat in Dallas got busted a while back for identifying himself as Roadway Express and trying to cash a check made out to the same. lol


23 posted on 07/07/2011 12:38:06 PM PDT by oldtimer (uee)
[ Post Reply | Private Reply | To 8 | View Replies]

To: Real Cynic No More

Note the timing. What’s the statute of limitations for civil actions in Washington? If it’s one year, I suspect a strong letter and a media campaign (as is obviously going on) is probably the only approach that’d be effective.

If he’s still within the Washington statute, that “letter” was probably a demand letter. The fact that he got a response from their PR department instead of the legal department makes me think the first situation’s probably it. In that case, they’ll most likely pay him to go away.


24 posted on 07/07/2011 12:39:03 PM PDT by ArmstedFragg (hoaxy dopey changey)
[ Post Reply | Private Reply | To 8 | View Replies]

To: kingu

Loss of my job, false imprisonment, impounding my car, I would have been in a lawyer’s office on Monday, preferably the most vicious, unethical shark in town, I’m talking a John Edwards clone.


25 posted on 07/07/2011 12:39:16 PM PDT by antiRepublicrat
[ Post Reply | Private Reply | To 12 | View Replies]

To: The Magical Mischief Tour

Something doesn’t make sense. His account was closed for bad checks? Yet they only took $600 to cover checks and there was still over $8000 in the account. Doesn’t sound overdrawn to me. If his account was back in the black, it doesn’t follow that they’d bother to close the account.


26 posted on 07/07/2011 12:39:16 PM PDT by Ramius (Personally, I give us... one chance in three. More tea?)
[ Post Reply | Private Reply | To 1 | View Replies]

To: ClearCase_guy

banks really are in teh stone age.


27 posted on 07/07/2011 12:40:24 PM PDT by longtermmemmory (VOTE! http://www.senate.gov and http://www.house.gov)
[ Post Reply | Private Reply | To 11 | View Replies]

To: The Magical Mischief Tour

SUE THE BACHELOR’S CHILDREN ! ! ! ! !


28 posted on 07/07/2011 12:41:51 PM PDT by GladesGuru (In a society predicated upon freedom, it is essential to examine principles, Kill the EPA!!!)
[ Post Reply | Private Reply | To 1 | View Replies]

To: kingu
Yeap a year after all his hell broke loose. The guy should have contacted the TV station or newspaper immediately...


29 posted on 07/07/2011 12:41:58 PM PDT by hamboy
[ Post Reply | Private Reply | To 12 | View Replies]

To: Bob
"Overdrawing your account doesn't excuse this sort of treatment, especially since the questioned check was generated by the very bank that he was trying to cash it at."

Sorry but there are many right here on FR who would disagree with you. Don't you know banks don't have to obey the law like us 'little' people?
30 posted on 07/07/2011 12:43:48 PM PDT by Kartographer (".. we mutually pledge to each other our lives, our fortunes, and our sacred honor.")
[ Post Reply | Private Reply | To 16 | View Replies]

To: The Magical Mischief Tour

I didn’t know that Kafka was an American.


31 posted on 07/07/2011 12:46:23 PM PDT by Moltke (Always retaliate first.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: The Magical Mischief Tour

This is the incompetence that I expect from Chase. Yes, I am a former Chase customer. First they acquired Texas Commerce Bank, which was a decent outfit, and they left it alone. But after a while they had to get rid of the local identity, and place it under the Chase identity. Eventually the whole company was evident as a Charlie Foxtrot. Chase started sending statements to an address I had lived six years previously and refused to correct the situation.
This person’s experience is far worse than mine. He should get the most vicious shark lawyer he can find.


32 posted on 07/07/2011 12:49:03 PM PDT by Fred Hayek (FUBO, the No Talent Pop Star pResident.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: ArmstedFragg
Note the timing. What’s the statute of limitations for civil actions in Washington? If it’s one year, I suspect a strong letter and a media campaign (as is obviously going on) is probably the only approach that’d be effective.

It's three years. Lawyer is taking a "be nice approach" in getting a settlement. When Chase blows it off, the real lawsuit will begin and the lawyer can tell a jury that his client tried to be reasonable and Chase just ignored a little guy. What better way than that to get a jury to make a big award?

33 posted on 07/07/2011 12:49:47 PM PDT by SeaHawkFan
[ Post Reply | Private Reply | To 24 | View Replies]

To: Above My Pay Grade

You just made me spit out my water from laughing, LOL.


34 posted on 07/07/2011 12:51:02 PM PDT by Sonny M ("oderint dum metuant")
[ Post Reply | Private Reply | To 15 | View Replies]

To: Ramius

It sounds like he was in the hole $600 when the bank closed his account. And then when his automatic deposit tax refund showed up they took the $600 they were owed and sent him a cashiers check for the what was left.


35 posted on 07/07/2011 12:52:05 PM PDT by DB
[ Post Reply | Private Reply | To 26 | View Replies]

To: Chase

I closed a checking account at Jay Pee Morgan /Taxpayer / Chase. I was treated like a p.o.s.


36 posted on 07/07/2011 12:53:06 PM PDT by Terry Mross (I'll only vote for a SECOND party.)
[ Post Reply | Private Reply | To 30 | View Replies]

To: ArmstedFragg
Note the timing. What’s the statute of limitations for civil actions in Washington?

Fraud 3yr, libel or slander 2yr.

http://www.statuteoflimitations.net/washington_statute_of_limitations.htm

37 posted on 07/07/2011 12:53:26 PM PDT by Real Cynic No More (ual)
[ Post Reply | Private Reply | To 24 | View Replies]

To: Ramius

Banks work hard to get you to bounce checks. They cover them for a $25 to $50 charge. It’s just about the most profitable line of business in a bank. One ATM withdraw which will give you the money you asked for even if it’s not there, will domino into a $500 bill in a hurry if you forgot an autodraft for your car insurance payment hits your account. The banks will even putt an autodraft into limbo if it gives them the contractual opportunity to structure your debits to hit your account in just the right order to maximize their fees. They have a computer software program to do just that.


38 posted on 07/07/2011 1:02:43 PM PDT by blackdog (The mystery of government is not how Washington works but how to make it stop)
[ Post Reply | Private Reply | To 26 | View Replies]

To: The Magical Mischief Tour

Every one on this forum understands that bankers are federal government snoops right? This is a great overview:

http://en.wikipedia.org/wiki/Bank_Secrecy_Act#Suspicious_Activity_Report_.28SAR.29

This banker was doing a commendable job.

More and more industries and occupations now have have required government snooping and reporting requirements. But I am sure many on this forum subscribe to the “if you didn’t do anything wrong you don’t have to worry” philosophy.

This could have been drug money right? It could have helped save someone from addiction and crime.


39 posted on 07/07/2011 1:04:50 PM PDT by FreedomNotSafety
[ Post Reply | Private Reply | To 1 | View Replies]

To: Fred Hayek
When you find one, find me one too.
Woman married my husband while married to me, got quick claim deeds, took over bank account, gave him aspirin instead of his medication, making bleed, finally he bled to death, she said he had no relatives and she was the wife.
she told the Doctor to let him go and they did, Has him cremated, told the judge he had no money for a burial. she lied, she took the Union death benefits $10,700.00 told the judge their was no money. I'm fighting this in court. Got a lawyer that only wanted money,money,money, told the judge to force the sell of the house giving us both half. I fired him. filling an appeal on my own, it's hard, especially when I live in New York and this happen in Arizona.
Anyone know Nancy Jo Phillips. She lives in Golden Valley, Az, with her boy friend, the same one she had while she married my husband. They bought a house their, but tells the judge she lives in our house, so I can't go into my home because the judge refuses to put her out.
She is on face book, mostly wants men for friends, at least she did. She brags she will give all the money and property
to her knew husband when she gets married, if she does.
I think the 2 of them were working together to get rid of my husband.
40 posted on 07/07/2011 1:06:08 PM PDT by rebapiper (.)
[ Post Reply | Private Reply | To 32 | View Replies]

To: Da Coyote

Yup.


41 posted on 07/07/2011 1:09:18 PM PDT by WayneS ("I hope you know this will go down on your PERMANENT record...")
[ Post Reply | Private Reply | To 2 | View Replies]

To: FreedomNotSafety

Are you serious?!?!?

Are you seriously this stupid?!?!?

These bankers and the police had a man jailed for 5 days, he lost his job and his car and all over a check that WAS NOT FRAUDULENT or FAKE...

Drug money?!?!

WTF-—Over!??!??!


42 posted on 07/07/2011 1:10:11 PM PDT by The Magical Mischief Tour (With The Resistance...)
[ Post Reply | Private Reply | To 39 | View Replies]

To: antiRepublicrat

Myself....


43 posted on 07/07/2011 1:14:23 PM PDT by clee1 (We use 43 muscles to frown, 17 to smile, and 2 to pull a trigger. I'm lazy and I'm tired of smiling.)
[ Post Reply | Private Reply | To 25 | View Replies]

To: Da Coyote
But, methinks this fellow should sue...big time!

I would also play the race card if I was this guy (seriously).

44 posted on 07/07/2011 1:15:41 PM PDT by sockmonkey
[ Post Reply | Private Reply | To 2 | View Replies]

To: The Magical Mischief Tour

I hope he gets a civil rights lawsuit out of it. His last name is the winning color.


45 posted on 07/07/2011 1:18:44 PM PDT by Rebelbase
[ Post Reply | Private Reply | To 1 | View Replies]

To: FreedomNotSafety

“This banker was doing a commendable job.”

The banker did a hideous job of doing their job.


46 posted on 07/07/2011 1:20:07 PM PDT by Rebelbase
[ Post Reply | Private Reply | To 39 | View Replies]

To: FreedomNotSafety

[ Every one on this forum understands that bankers are federal government snoops right? This is a great overview:

http://en.wikipedia.org/wiki/Bank_Secrecy_Act#Suspicious_Activity_Report_.28SAR.29

This banker was doing a commendable job.

More and more industries and occupations now have have required government snooping and reporting requirements. But I am sure many on this forum subscribe to the “if you didn’t do anything wrong you don’t have to worry” philosophy.

This could have been drug money right? It could have helped save someone from addiction and crime. ]

Holding too much cash on you can be considered a “crime”, so if you happen to have several ounces of Gold on you, you are a defacto criminal!


47 posted on 07/07/2011 1:24:28 PM PDT by GraceG
[ Post Reply | Private Reply | To 39 | View Replies]

To: The Magical Mischief Tour

Lets see, 28 years old, $9000.00 + IRS refund?
I definitely have to change my tax preparer.
Hell for half my life 9000 was considered a decent wage and this construction worker in the state of Washington is getting that much in a refund????
I am going along with the “Nigerian Internet People” angle on this story.
Has the IRS weighed in saying this is/was a true story?
My cynicism really is kicking in on this entire story.

Also, I can’t really see someone leaving an $8300 check, his credit card AND drivers license at the bank then leaving (apparently) just before closing time.

Something very fishy here.....


48 posted on 07/07/2011 1:25:09 PM PDT by xrmusn ((6/98) Hoping your train of thought isn't derailed because of empty boxcars.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: blackdog

[ Banks work hard to get you to bounce checks. They cover them for a $25 to $50 charge. It’s just about the most profitable line of business in a bank. One ATM withdraw which will give you the money you asked for even if it’s not there, will domino into a $500 bill in a hurry if you forgot an autodraft for your car insurance payment hits your account. The banks will even putt an autodraft into limbo if it gives them the contractual opportunity to structure your debits to hit your account in just the right order to maximize their fees. They have a computer software program to do just that. ]

Yup! If you have the following transactions to be processed in one day:
Starting Balance - $300.00

withdraw 50.00 - 10:00AM
withdraw 120.00 - 11:30AM
deposit 1,200.00 - 1:00PM
withdraw 500.00 - 4:00PM
withdraw 5.00 - 6:00pm

The will process them in this order:

Balance 300.00
withdraw - 500.00
Balance (-200)

fee - 25.00

Balance (-200)
withdraw - 5.00
Balance (-205)

fee - 25.00

Balance (-205)
withdraw - 50.00
Balance (-255)

fee - 25.00

Balance (-255)
withdraw - 120.00
Balance (-375)

fee - 25.00

Total:

Balance (-375)
deposit 1,200.00
Balance (+825)
Minus Fees (100)

Ending Balance $725.00

If your bank does this, time to find another bank.

They should do the processing in chronological order, but some have software that is TUNED for maximum fees.

It is immoral and it is wrong, and they say the financial system is “solid” a lot of banks will happily scam people who failed basic economics class in high school.

Someone once asked me once why I have “Checking plus” which is a line of credit that only charges a minor daily interest rate for any over drafts. Well I would rather pay $1.25 in interest for three days on 100 bucks of overdraft than $300.00 in fees because I had an emergency because I got their “free checking” which doesn’t have an over draft account.


49 posted on 07/07/2011 1:39:22 PM PDT by GraceG
[ Post Reply | Private Reply | To 38 | View Replies]

To: The Magical Mischief Tour

Scary story. A cascade of incompetence, beginning and ending with the bank and an idiot teller. Like most Freepers, had this horror happened to me, I would have been hopping mad but instead of ranting would have immediately went to a barracuda-type attorneys office and demanded they help me sue Chase. Sue the police department, maybe, but they thought they had sufficient reason to hold the man, although they didn’t try very hard to learn the facts. Anyway, Chase bank is the real culprit here. I suspect some racial profiling was involved. Plus, as a construction worker, if the victim was dressed in his work clothes he probably didn’t look prosperous enough to have an $8,000-something check. Not that it should have mattered. Of course, in this situation, most people would have asked to see the manager and not left the bank until it was cleared up and they had their money. Still, he was treated badly and illegally. Chase sucks. I hope this fellow sues and collects, big. He deserves it.


50 posted on 07/07/2011 1:41:11 PM PDT by Jim Scott
[ Post Reply | Private Reply | To 1 | View Replies]


Navigation: use the links below to view more comments.
first 1-5051-76 next last

Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

Free Republic
Browse · Search
News/Activism
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson