3 On Your Side

Bank cashes $827 check with 'stop payment' in place

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A Gilbert couple told Chase Bank to put a "stop payment" on a check but it was cashed any way. (Source: 3TV) A Gilbert couple told Chase Bank to put a "stop payment" on a check but it was cashed any way. (Source: 3TV)
The Naugles were upset with a painter and put a "stop payment" on the check when he didn't come back to fix the job. (Source: 3TV) The Naugles were upset with a painter and put a "stop payment" on the check when he didn't come back to fix the job. (Source: 3TV)
After 3 On Your Side got involved, Chase Bank put the money back into the couple's account. (Source: 3TV) After 3 On Your Side got involved, Chase Bank put the money back into the couple's account. (Source: 3TV)
The Naugles are thankful to 3 On Your Side for getting them their money back. (Source: 3TV) The Naugles are thankful to 3 On Your Side for getting them their money back. (Source: 3TV)
(3 ON YOUR SIDE) -

When Jay Naugle and his wife moved into their Gilbert house, they had big plans for home improvements. 

“When we moved into the house, the main thing we wanted to do was the flooring,” Naugle said.

And new flooring wasn't the only renovation they had in mind. They also decided to paint the outside of their home. 

And the price they received from one unlicensed contractor was enticing. It was only $1,400.  

“And, that included everything,” Naugle said. “It was a steal, and it included pressure washing, painting, fixing cracks. Everything you could ask for in a paint job."

After the outside was finished, Naugle says he hired the same contractor who claimed to be licensed. This time, he was hired to paint their kitchen, including the cabinets. 

But Naugle says the painter did a horrible job. The cabinets immediately started to peel and flake before the job was even finished.

That's when Naugle discovered something troubling. Naugle started doing research on the guy he hired and discovered he wasn’t licensed at all. 

"He gave me a ROC (Registrar of Contractors) number that was false," Naugle said.

Naugle says posing as an unlicensed contractor might be the reason why his newly-painted cabinets started to flake and peel before the job was even done.

Frustrated, Naugle contacted Chase Bank and put a "stop payment" on the $827 check that he gave the painter until the painter came back and made things right. 

According to Naugle, the painter agreed to come back but never did. 

“As a consumer, you feel you were doing everything right?" Gary Harper asked Naugle. 

“Yeah, I felt like it was what Chase told me to do. And I thought it was really my only course of action," Naugle said.

Well, as mentioned, the painter never did return to fix all that peeling and flaking, and Naugle was relieved he put a "stop payment" on that check. 

That is, until nearly a month later, when the $827 check actually went through and was removed from the couple's account anyway.

Naugle and his wife say they were confused as to how the check was cashed by the painter and they were also angry with Chase Bank for letting it happen.    

“We spent four days and multiple hours on the phone. And finally, I went into the bank, and they still didn't have any answers," Naugle said.

So, 3 On Your Side got involved and asked Chase Bank to consider returning the $827. After all, "stop payment" means just stop the payment.

Chase looked into the matter for me and wound up putting that $827 back into the couple's account. 

Naugle says he's glad to have his money back and owes it all to 3 On Your Side. 

“My 3 On Your Side experience was really good. Gary Harper was very easy to work with, and me and wife were very, very pleased," Naugle said. 

It should be noted that Chase Bank never did have an answer as to why or how they allowed the $827 check to be cashed almost a month after a stop payment was issued.

But Naugle and his wife say they sure are glad to have their money returned.

Copyright 2017 KPHO/KTVK (KPHO Broadcasting Corporation). All rights reserved.


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Gary HarperGary Harper is the senior consumer and investigative reporter for 3 On Your Side at KTVK-TV.

Click to learn more about Gary.

Gary Harper
3 On Your Side

With more than 20 years of television experience, Gary has established himself as a leader in the industry when it comes to assisting viewers and resolving their consumer-related issues. His passion and enthusiasm have helped him earn an Emmy for Best Consumer Reporter from the National Academy of Television Arts and Sciences. He’s also garnered several Emmy nominations

He has negotiated resolutions with companies of all sizes, including some of the biggest corporations in the nation.

Gary has successfully recouped more than $1 million for viewers around the state, making 3 On Your Side one of the most popular segments on KTVK and the station's Web site.

He's best known for investigating and confronting unscrupulous contractors. In fact, many of his news reports have led to police investigations and jail time for those who were caught. Viewers, as well as the companies and people he investigates, regard him as consistently being thorough and fair.

Gary has been with KTVK-TV since 1997. Prior to his arrival in Phoenix, he worked for WZZM-TV in Grand Rapids, Michigan, where he was as an anchor and reporter.

Gary is from Chicago, but launched his television career in Lubbock, Texas, after earning a broadcast journalism degree from Texas Tech University. Following his graduation, he was quickly hired by KLBK-TV in Lubbock, where he enterprised and broke numerous exclusive reports. His aggressive reporting in Texas helped garner him Best Reporter by the Associated Press.

Gary has been married since 1994 and is the proud father of two sons. When he's not helping viewers, Gary is busy catching up on his favorite college and professional football teams as well as cheering on his beloved Texas Tech Red Raiders.

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