Chase Mortgage

I received an email from "Chase Home Loan Services Team". I quote, "This is an alert about your account ending in **. We received your recent mortgage payment of $1,790.47". This is not the amount of our mortgage. Is this a scam? What is going on? I tried to respond to this email, but it is not in my sent box. I'm very concerned our account with Chase has been compromised. Please respond ASAP. Thanks.

I have written them several times regarding my account, but to no avail. Their monthly statement reflects a past due amount of $1,548.77. I have informed the company that I have proof that this payment (that you claim was never paid) was indeed paid according to a draft on my bank statement. This incorrect information is damaging my credit report. I am not delinquent on any payments. I need this mistake on their part corrected immediately. If you need further proof or can call me to discuss this matter, please feel free to do so. My phone # is **. I await a response from you.

Back in June of 2011, I filed for a refinance with a cash-out to pay my debits. Most of the debit that I incurred was home improvements. Anyway, everything was going great, all the paperwork was given, now I waited until an appraiser came to appraise the house. Chase sent someone in September. Everything was good. the appraiser came in at $429k.

Four weeks later, I received a call from the loan officer that we couldn't get the loan until we put siding on the house. I had explained to the loan officer that the whole idea of the loan was to refinance at a lower rate, take cash-out to pay bills and the rest of the money was to finish the repairs on the house which was the siding. She said she understood but that there was nothing she could do because her boss wanted the siding on the house before closing. Closing was in 2 weeks. Mind you, I have bills, a mortgage, 2 kids in Catholic school, and I work full time, plus I don't have any money to put siding on the house because that's the reason for the loan. So now I have to withdraw the paper work.

I took out a pension loan to do the siding. I resubmitted all the paper work again, now it's the end of November. The loan officer stated everything was good and we just have to send the appraiser back to the house to take a picture with the siding on and that would be that. Two weeks later I got a different guy to appraise the house, someone who lives in Brooklyn. He came here to Staten Island, acted very immature, giggled all through the house and finally left. It was a very weird experience. Three weeks later, I got the appraisal in the mail, the house is now valued at $387k, almost $40k less than the original appraiser's which was two in a half months apart. How can you make improvements on a house and the value goes down? It doesn't make any sense

Evidently the second appraiser came to Staten Island, went to the real lower part of the island, valued all the wrong houses; houses that are nowhere near me and came up with that figure. Now I got a phone call from the loan officer at the end of January saying that they have an internal appraiser problem. She said that Chase made a mistake and instead of sending the same appraiser to take a picture of the completed work, they requested a whole new appraisal. Mind you, I just spent $400.00 on the first one, now they take the liberty to send another one for an additional $400.00 that I don't have. This is an outrage, I told them I was in debit not that I have money to burn.

It is now February and the loan officer said there is nothing she could do, that Chase was going with the lower appraisal. Therefore the rate of the loan goes up and the money which I needed to cash out to pay my bills would be $12k instead of the $56k that I needed. I am so irate. What would you do in my place?

I applied for a Chase mortgage loan at end of July 2011 based on the fact that they had no closing fees except for the application and processing fee. Chase provided all the fees that I would have to pay in a Good Faith Estimate and so I decided to get my loan from Chase since I have been a customer of Chase for over 10 years.

However, on the day of closing, as I was signing the paperwork, I noticed that there were additional closing fees of about $1,400 that I was not made aware of prior to Closing. The bank's attorney, who was also in that room, was not aware of the fee. I had asked what the fee was about, but the bank attorney couldn't tell me. At this point, I couldn't sign the papers. Otherwise, I would have lost out on my 10% down payment on the apartment unit.

The following Monday after the "closing," I called the loan officer from whom I had gotten the mortgage to ask what the fee was about. He explained to me that the fee was due to the fact that Chase had to extend my lock-in rate for the third time so to meet the closing date. He told me that the lock-in rate had expired on Oct. 12 (we closed on Oct. 14 -- a date that everyone including Chase was aware of for weeks! ) and thus, they had to extend the rate by 2 additional day since I wasn't ready to close. I found this to be surprising since I told him that this couldn't be right because, on Oct. 12 at 2 pm, the loan was still in Chase underwriting and the reason for the initial delay of the closing was due to the fact that Chase had actually sent my loan file to the wrong bank attorney on Oct. 5th! I explained to the loan officer that 1) the loan-rate extension was not my fault and was the bank's fault, 2) I never authorized or agreed to such an extension--I even asked the loan officer to produce a proof that I actually signed a document substantiating this claim that I agreed to the third extension, but he couldn't and 3) the delay in closing that gave rise to the extension was due to the bank's fault (not mine) because my file was sent to the wrong bank attorney and due to chase's own incompetence.

I tried to resolve this amicably several times and even went through Chase's Executive Resolution Center, but to be expected, they sided with the loan officer. They refused to speak to my attorney and the loan officer and his immediate supervisor refused to return my calls. While it is not a big sum of money, it is the principle that Chase was effectively holding my loan "hostage" unless I agreed to the additional closing costs that were never ever agreed upon or disclosed to me prior to signing. This seems to be an illegal and fraudulent practice. From the complaints on this website, it seems to be quite pervasive too. There may be potential class action lawsuits of Chase slipping in hidden fees at the last minute to home owners.

I have been pursuing a loan modification with my mortgage company since October of 2008. The original loan company went out of business and the loan was bought by Washington Mutual which then became EMC and has finally become Chase. As soon as I realized that we would be having some problems making a few payments, I contacted them to make arrangements. I had never heard of a modification and was immediately put into the modification system. However, I had to be at least 3 months late before they could submit the modification request, or that is what they told me. I did not make those payments, as directed by the bank representative, and called back when the 3rd payment was due. I was then told that because I was past due, they could not begin the modification process until I was current, or had at least scheduled payments through their payment system. This was January of 2009. The initial 3 payments were scheduled, in the amount dictated by the bank, for the dates the bank requested. I was sent a packet of paperwork to fill out and submit for the modification and I began the never ending modification process. I have been resubmitting forms and pay stubs and letters explaining the reason for our loss of income ever since.

I have never had any luck getting anyone to call me back when I try to find out what is going on and the contact person that I was told to deal never seems to be the right person when I am finally able to talk to a person, usually after being disconnected 2 or 3 times and having to call back. Requests to have someone call me back go unanswered and many times I am told that all I can do is wait for someone to call me, which almost never happened until I filed a complaint with the BBB. Within weeks I had a call from a representative at the executive branch of Chase Bank and was told that my account was now being handled exclusively by that branch and would be until the modification was obtained. I thought there was a light at the end of the tunnel. I was sadly mistaken as that was nearly 18 months ago and I am still being passed from one account representative to another, still being put on hold and disconnected, still waiting for answers to my phone calls and questions.

Today I received a notice of intent to foreclose letter. I called my executive branch representative and yet again left a message requesting a return call to let me know what is going on and if we are indeed being foreclosed against. I will not be holding my breath waiting for the call. I have begun searching for an attorney to find out what my options are at this point and how I can make Chase be held accountable for the highly questionable practices that have been employed by them to delay the process and the outright lies that have been made in an attempt to make me do what they want and stop asking questions. So I find myself once again waiting for a call that I believe will never come, but I am waiting, and adding yet another page to the files in which I keep all communications and telephone conversation transcripts.

I made 2 payments on my trial portion of my modification and received 2 confirmation numbers. I looked over statement and payments were never taken out. I asked why, Chase said they could not locate the account. After research, Chase mixed up the account number and loan number. First payment was okay but never took the money out of the account and it was marked error. I talked to a rep for Chase, they said I have to prove it in order to reopen modification, otherwise I have to start over. I proved that it was their fault. I have not heard from them as of yet. I have started over about 3 times, I don't want to do this again. I have given them all paperwork they asked for. I keep sending the same copies. I even went to their home center for help. The rep there said "I'm your adviser to help you". But only to find out he is only trying to get you out of your home. This is crazy. All I wanted was to give my children a place they could come to and call home (stability and comfort).

I lost my job end of 2009. I kept up with my payments for a while. I immediately applied for a loan modification. I could never get anyone to call me. Every time I sent in my paper work, Chase would let me know they did not receive everything they needed. I was on the phone with Patrick from Chase going over the list they needed, faxed and sent the letter through FedEx and I was told I was still missing docs. I was told there is a time limit for help from the government but I was told my FedEx letter could have sat on someone's desk for 30 days. I have done everything I have been asked to do. I want to be dealt with fairly. I have talked with two reps explaining my frustration and when I mentioned hiring an attorney, I am told I do not need to do that. Chase has the second most complaints from homeowners. Why is the government not stepping in and why do we not ban together and file a lawsuit?

I have until the 16th of the month to get my payment in before it is considered late. However if they don't have the payment by the 3rd, they call me continuously. I have told them I disagree with this business practice but was told I will keep getting calls until I pay. The payment is scheduled on their own bill pay system for the 10th.

I have given them the information that they should be able to access on their own so I do not have to keep getting calls but they will not stop. If there is a grace period until the 16th, then don't harass me with bill collector calls. I am tired of it and have blocked their number due to this business practice since it does not matter one way or the other if I talk to them. They have stated very clearly they will not stop calling until they have their payment. It is completely ridiculous and I have been dealing with it off and on for almost 8 years.

I lost my job in June 2010 and was divorced on August 2010. I'd never been late on my mortgage with Chase. I applied for an unemployment modification loan on August 23rd 2010.

In November, I was told that I received a 3-month trial modification $600.00 less a month (instead of 1646.00 mo). Chase collections immediately called and told me that they would charge late fees and 30.00 day interest. My house was one thing that I didn't want to lose after what I'd gone through. So, I started taking out 401k money to make the monthly mortgage payments, still trying to get Chase to approve a modification for me. I have had stories after stories and more than six inches worth of faxes and paper work I have faxed to Chase.

Today, I am still waiting for Chase to help as now I'm being told that the State of Texas (State Representatives) have delayed loans again. It's been 17 months and I've already spent the 401K money I had on this loan and I'm drained from all this. At this point, I fell two months behind, so now my credit is not good with Chase reporting me and I am unable to obtain a loan through someone else. I believe I have been turned over to twelve different people at Chase to deal with and they have had excuse after excuse.

I've been screaming out for help for about 2 years now, if not more, for a home modification at my current address. From day one, I've sent in the required documents to begin the modification. Every 60-90 days, Chase Mortgage will call and request the same documents that was sent on day one of request for Home Modification. This has been going on for two years. When I say every 60-90 days the same documents, I mean the same documents. My last documents that was requested on Friday, January 27, 2012 (the same documents), was sent through FedEx on the due date, which was Monday, January 23, 2012.

On January 26, 2012, I was contacted by someone saying I was denied, due to not enough income. I knew that my earning was changing two years ago, that's why I reached out for help then. I was told on Thursday, January 26, 2012 that I didn't qualify two years ago, when my wife was put on disability, due to complications with her pregnancy. Okay, so if Chase Mortgage knew that, then why were all the documents needed? I have a family of seven, which includes 5 sons, my wife, and I. Chase Mortgage has disappointed me, and now my family and I will need somewhere to stay. I lost my job in 09/2011, and my wife was laid off, after the long period of time she was off, due to a complication during her pregnancy. We both now receive unemployment. Once my wife, who helps out with the mortgage, had a change in income in 01/2010, I reached out for help to Chase Mortgage. I'm in need of help, where do I go from here? I was informed that my home will be in foreclosure in about 45 days.

I received rate reduction offer by fed ex. I called Jeremy and I asked him if a recent late payment (November) would still allow me to qualify for the program. He said no problem. Two weeks later, a mortgage coordinator named Lindsay called on Tuesday and wanted to set up closing for Thursday. On Wednesday, I called Lindsay and she informed me that I do not qualify due to the late payment.

I have been fighting to save my home since 2010. JP Morgan Chase is my mortgage company. Initially, I contacted them, completed the paperwork for HAMP modification and the client relationship manager called me to say I had been approved. A few days later, a representative from Chase came to my home and left a card with a note telling me to contact them. I called and I asked why they were coming to my home. I was told my modification had been denied.

There were no notes from the client relationship manager regarding our conversation about the approval. I have never been able to speak with him again. Since then, I have been applying for a modification and each time I have been denied. Every month that has passed while my paperwork was under review was another month I became past due. Now, it's been 14 months. I have reached out to every website, every attorney that says they can help but many have led me to scams or attorneys asking for ridiculous retainer fees.

If I had that type of money, I would pay Chase. I reached out to the HOPE Hotline; it got me no where. I reached out HUD. Chase really didn't communicate with them either, and when they did they gave ridiculous excuses and my worker didn't have the fight in her to go against what they were saying as a reason for my denial. I'm at the end of my rope. My health suffers because of this stress. How can a single parent go against 'lenders'? The housing market is being taken advantage of with scams, attorney's making false promises, and HOPE Hotline that has been useless. HUD for FHA loans that has been useless. Is there any hope? I don't know, but as a single parent I have very little left.

I'm terrified every day to come home and find my locks changed on my home. People come by every day claiming to be representatives of Chase taking pictures of the outside of my home. I'm terrified that if they foreclose the fees they will charge me will ruin my life and my credit. I can't find anyone that will help. Buying my first home was a dream but now it is a nightmare and partly because of Chase. I wish I had never become a homeowner. There is no hope for homeowners fighting against Chase.

Chase Mortgage continually called me (the employer) regarding an employee who defaulted on their loan. Chase ignored my requests to remove my phone number. It did not matter that I told them that all I could do was request the employee to contact them. I asked them 29 times to remove my phone number: They called me 3-5 times a day for nearly two months. Their collections department is reprehensible and irresponsible and could care less that they are disrupting the wrong people (i.e. the employer).

Chase refuses to post my mortgage payments in a timely manner. Their FAQ states that the policy/LOS for posting a normal monthly mortgage payment from an external bank account, is two days. Chase consistently does not post my payment for fifteen days, essentially running out the grace period, and applying-then-reversing a late fee every time. Four customer service reps and three layers of escalation could not resolve the problem. Several of customer service reps spoke very poor English, all the phone connections were fuzzy and faint, and none of the reps seemed to even understand my basic and simple question. Why is the LOS not being met, and would they please fix it, and post my payment in accordance with their stated LOS? One rep even repeatedly asked me, "are you talking about your mortgage account?"

I was denied a modification, I was put on a repayment plan, several times, already struggling with mortgage payment how they determined I can pay an increased mortgage. I was informed they would not charge me a late fee. That was the first lie. I was just looking at my statement and they added a 200.00 fee/adv./other balance. Every month, they add a 20.00 unknown fee. Eventually, my home will join the foreclosed homes in the neighborhood. Chase has no intention of helping me. I have not credit cards or vehicle loans. My mortgage is about 85% of my net income.

Renters have been late due to the economy and I can understand their situation but they do pay. As a result we have been late on the mortgage. Usually mid month we are able to play. I always pay any applicable late fees plus extra. If we are even 5 days late, we get letters stating we are in default and our property is being assessed. These banks are straight up crooks. They claim that that the cost to foreclose on property is expensive. In reality, they're making a killing with interest paid on properties plus the real estate that they own.

I have been in a battle with Chase Mortgage since Aug 2009 when they took over Washington Mutual. I was on a temp modification then turned down for a permanent modification, on a repayment plan they removed after two months yet I paid on time. I paid the repayment amount for seven months which was approximately $2,100 extra only to find out the money is nowhere to be found. Since June of 2011, I have been faxing paperwork to one of the *** reps to try to do another modification. She tells me it is with the underwriter at this time. It has been with the *** underwriter several times only to be kicked back because they want more documents.

I think all of us should file a class action suit against them. I have written to the Today Show and Dateline to investigate the modification process. I have asked Chase to send me proof they are actually making modifications. They will not send it. I told the *** rep that they are going through the steps to get paid by the federal government but not really making any modifications. I hope all the Chase employees burn in ***.

I would give Chase 100 stars for their lousy customer service. I have five accounts with Chase (rentals). Because of the economy, my renters stopped paying their rent. We got behind on the payments. I had called Chase regarding loan modifications. I was denied for all five accounts because they said we made too much money. All five monthly mortgage payments equaled over $6000. I don't even make that in a month. And each time, I had to evict my tenants for non-payment, they retaliated against me. I had over $15,000 of damages in each of my home. That's not including the loss of rent for an average of six months.

Needless to say, I had a trustee sale date on two of my rental properties. I was approached by a real estate agent and the properties were listed. In the meantime, I received an incentive letter from Chase for $20,000 on one of my properties. I had talked to two Chase representatives and they confirmed the amount. When I went to sign escrow papers, the borrower's name and the amount that the house sold for was wrong. So, when I called later that evening to ask questions about the incentive, Chase told me to, "Disregard that letter. It shouldn't have been sent out to you. It's a mistake!"

However, my name, address of the property and the loan number was correct. I was hoping that the incentive would come through for me because then I would be able to renegotiate my other three loans with Chase. I explained that the reason why I kept people in my homes after they were severely vandalized was to make sure that Chase could get some money out of the deal. I also didn't want to go into foreclosure because I know that the average foreclosure tends to run banks around $50,000 +. The Chase rep was very rude to me stating that I had $3,000 in incentives on my other houses (2) and I should be very grateful that I would be getting even that. I told her (on a recorded phone conversation) that I would rather let my houses go to foreclosure and have them suffer losing out like I did. What's the sense of taking care of my homes when all I'm going to get is no help from Chase? Of course, this was said all in anger.

The rude Chase representative said, "Do you think it's fair to Chase for you to just walk away from your homes and let them foreclose?" I said, "Do you think it's fair to me that you send me an incentive letter and two of the Chase loan assistants told me that I would be receiving that money and now, you say that it was a mistake?" They told me that they would accelerate my foreclosure after the statement I made.

In the meantime, I am still applying for yet another modification on the last three houses. If they treat me horribly like they did the other night and if they don't want to try to at least help out with the situation, instead of them looking at the money they will save (by preventing the foreclosure process) I would think they would want to work with me. I have two homes that are $80,000 underwater. I would rather work out a modification than to give up my homes. Chase is making my "I don't care side" come out. I hope I never have to deal with Chase again. If they don't try to help out with loan mods, payment plans, etc., they'll be the losers in the long run.

All of the above Chase has destroyed my life, discarded all my faxes people didn't exist in their database. I tried over one year to get help from them to remodify my house, they would not help us. They lied, they even said to me we don't care, you have an fha mortgage we will get our money because it is ensured from fha, so they at first told me they could not help us because we were not behind on payment. We had to fall behind, so we did and they still would not help. I lost so much money trying to get help before we know it we were in debt to them for over 30,000.000. They reported us to credit even on a forbearance program, we had to short sale the home which is being held against us as we speak.

I lost everything and and was homeless. We went to court, had a three way conversation with a Chase person said, you would help us take care of this, told us what we needed to do gave me her personal phone and fax numbers. I did everything she told us to do then never heard from her again everyday. Left messages, sent faxes, they stated they never got them when I research this lady. She wasn't there, they would call me 10 times a day on Sat and Sun with all types of different answers and information at nine am one morning. We qualified for help by 10:30, that same day we did not qualify by 1pm. We were given a different program by 2pm, the program was not available to us. They is one messed up bank that lies and robs people. Should be put out of business, never will I ever have anything to so with a Chase bank again. I would rather be dead!

Lost everything I owned because of hardship. My husband had to go in for a surgery and we had not money coming in for a few weeks. I asked them for for help. They said no, than they raised our mortgage from 2,067.00 to 2,700 a month. They said, we owed them taxes. They never did the paper work right when we refinanced with them! All their paper work is inaccurate.

This is about the rape and abuse of Chase Home Mortgage and Freddie Mac. How could it be legal for a bank to offer a modification, requiring one to make trial payments for 7 months, to end up denying the modification? Then two years later after endless calls, paperwork, and disrespect beyond belief, I was approved for another modification, make the required payments on time, to then be told by the bank a mistake in calculating the figures of the modification was made. They told me they needed to review the figures but the modification was approved, only to tell me 3 weeks after, the modification was not approved and my property will be going to foreclosure. They lie, cheat and steal. How many other victims are there?

My difficult journey started in February 2008 when I found myself as the sole provider for my family. My husband was diagnosed with rheumatoid arthritis, my mother with onset of alzheimers, collecting unemployment, and being responsible for a mortgage, paying prescriptions for my husband, food, medical bills, and not having enough money to pay for it all. Sounds familiar?

My struggle is similar to so many other Americans and by no stretch of the imagination am I whining. When I realize what was happening and could not live up to my financial responsibilities, I called the bank right away searching for a solution. I was told I could apply for a modification since I had fallen behind on my loan payments. I chose to step up, face my problems. I was asking for options. Help!

I have spoken to every department in Chase and now I am being told, 'Oh no, it is not Chase, it is the investor Freddie Mac.'

This is my conversation with them:

Chase: No, they will just tell you to speak with us here at Chase!

I ask how is it a bank can do this by placing me and so many others in this vicious cycle? And penalize me and so many others for experiencing hard times in our lives. This is systemic rape! I have tried to cancel the modification and see if I can receive some type of payment plan. I was told by the manager of the person who is the so-called personal representative assigned to my case, since I am in the modification process, a payment plan is not an option. There is no one that will speak to me at Chase as my name is attached to this personal representative who does not have any contact with me. They blame Freddie Mac. Freddie Mac has Chase handle the dirty work, but Chase is dirty as they have me in a whirlpool telephone calls with people who do not want to deal with the questions.

I was denied the modification but instead of working out some kind of payment plan, my property now finds its way onto the foreclosure department at Chase. No, Chase is not interested in modification. Chase is in the business of collecting homes. Chase is the rapist and Freddie Mac is the abuser.

My husband and I had ran into some hard times in 2010. We fell behind on our payments. We divorced in October 2010. I was trying to make at least some kind of payments. Several payments went to interest or to escrow without my knowledge. I had filled out modification forms twice and was turned down both times.

I was never informed until I called asking about it. The reasons were: (1) I didn't send in all the forms (which I did) and (2) I did not make enough money. So I went out and got a second job. Still, I did not make enough money. In the mean time, I was told not to make payments, because it would change the figures with the underwriters.

So I used that money to get ahead on other bills. With no notice at all, I got a foreclosure notice that I am 9 months behind. How? in the meantime, my ex-husband and I got back together and tried modification again. This time, the lady took our information over the phone and stated that we do not qualify. Really?

I told her that we make more money now that we did when we bought the home. Then she told me that "If you and your husband couldn't make it before, what makes you think you will last this time?" Really? Who is she to judge our relationship? I feel that we were turned down because of our personal situation. So, now being in foreclosure, we are to deal with Fisher and Sheprio Law Firm. What a joke!

They never returned calls, answered, or followed up. We have been sitting on a check for $11,560 for a month. I just mailed it, and they received it; but they are sending it back. They said that this does not cover the whole reinstatement figures. How am I to send in funds when they keep refusing them? So my family of 6 will be without a home soon. We have been more that willing to work with both the bank and law firm.

Today, I was transferred to the law firm by Chase and spoke with Dan (who never returned any of my messages for the last 2 months). He told me how sorry he was, but he was transferred to a different department and does not handle reinstatements. I said then why my messages were not forwarded to someone who does. He stated, "We have been short-staffed for some time now." So I am paying for their mistakes and being short-staffed. How is this fair? What can we do? Please help us.

One star is being too kind. I schedule all my payments online. I scheduled my payment at the end of July (late but not 30 days late) and also faxed in papers to be considered for the loan modification program. I got a notice on 8-10-11 that I was over 30 days late. I looked it over and called them. 10 people and at least 5 hours over a 2-day period later, I was told that they rejected the payment because I filed the modification papers. I shouldn't worry that nothing would be reported. Well, I have a 30-day late on my credit report and they said that I was late and if I want it off, I have to prove they ** up. Their online system shows the payment rejected and they denied the modification program too.

Chase always calls me saying I am late before my grace period ends on the 15th. If you have a grace period, your payment isn't late. It's just harassment. I don't want Chinese ** calling me and lying and worrying my family.

I have been getting the run around for my loan modification. I am behind on my payments.

Chase has denied me all assistance in which I applied for in refinancing or reducing interest and payments on my mortgage account for over a year. They claimed they did not receive the paperwork every time I called and spoke with a representative. I faxed documents every month and even sent documents overnight; however, I was still denied for everything. I was never informed in writing. After multiple calls demanding a response, I was finally told that I was denied.

I was laid off after 10 years from my job in marketing in April 2010. I used this time to finish my degree. I called Chase in April, asking if they had any programs for customers who are drawing unemployment and was told no. At the end of the year I had $500 left over in my escrow and called again and again speaking with someone who did not speak or understand English well. I asked about the $500 and was told they would keep it in a reserve and I would not be able to get it.

In January 2011 I get my statement and they have gone up on my payment. I call again and was told this was a way of adding to the reserve needed to pay my escrow. I checked and neither my insurance or taxes went up and actually both went down yet they still raised my payment. I asked again if they had programs for unemployment. I was told no. In November 2011 I lost unemployment and finished school December 14, 2011. I called today, December 29, 2011 and talked with Chase about maybe skipping a payment to give me a little more time to find a job. I was told no. I would have to default on my loan and if I wasn't foreclosed on I could maybe get assistance when I return to work.

I was also told I should have signed up for the program they offer to be able to pay half payments while I was on unemployment. I told him about calling and was told they have no programs and he said I should have tried to Google it. If I let my loan default, I will not be able to find a job because most check your credit. I have no income and they want me to let my house go into foreclosure. Not sure what I can do. From seeing all the complaints on this site, it looks like the government needs to step in and wipe out Chase all together.

After 3 years of divorce, my ex-wife walked out on the property. We went to court and the property and all liabilities were to be her responsibility. Now 4 later, I have the worst credit, have tried to short sale the property, sent about 10 short sale packages with updated information as required by Chase, only to continue to fall on the calling everyday, different people cycle once again. They call me everyday; my credit is affecting my life tremendously. I have had a cash buyer for at least two years and nothing has been resolved. No one issued my paperwork, and every time one is issued, the documents expire. Please someone sue the ** out of this corrupt company and a third regulatory party should help the people.

After being laid off, Chase (then EMC) reduced my payments. I tried several times to modify the loan and could not get the same answer twice. Then they went through the excuses, such as, "We did not get the paperwork," etc. I was told I did not qualify for a HAMP loan but they finally got me some kind of financing. They dragged their feet for several more months with same excuses until I finally asked for help from a friend who was in upper management at EMC. Finally, I got the mod done in 3/2010.

In September 2011 I got an unsolicited FedEx (left under wet doormat) telling me that I qualified for HAMP after all. A whole new set of paperwork was included. Due dates were conflicting between one document to another and I could not get anyone on the phone to explain any of this. I finally went to the local Chase Mortgage branch and made it clear (nicely) that I was not going to leave until I saw a loan officer that could explain everything before I signed. She explained what she could but even she didn't understand everything and she said she would look into it "when she had time." This paperwork backdated the HAMP loan to 3/2010, the original date of the modification, so there are many questions about how they credited interest, etc.

I signed the paperwork in front of the loan officer and put it into FedEx (their envelope and they paid). I made my first payment at the new rate that day. My next statement did not reflect the new rate or payment but I paid the new amount (at a Chase branch) because there is supposedly an incentive for paying on time. When I went to pay my November payment at a Chase branch and they refused to take my payment, saying my loan was locked up. I could get no answers to why.

I spoke to several people both on the phone and at the branch (including branch manager.) On the next business day I took the payment to another Chase branch and a diligent employee did her best to help me. She found an address to send the payment to and she Fedexed it. She was being given conflicting information internally as well. When I got my next statement, I could see that they have been putting these payments in some kind of suspense account and the payments they have credited have been spread out according to the terms of the old loan.

I went through this with my December payment as well. Supposedly a loan officer escalated my loan to her supervisor who is supposed to be auditing it but will not return my phone calls or emails for status. I finally got disgusted and filed a complaint with the Federal Comptroller of the Currency which has 60 days to respond. In the meantime, because this involves interest, it has tax implications for me. Chase does not seem to care. I went ahead and made my January 2012 payment in December a few days ago and I assume that is sitting in this suspense account as well. I still cannot make payments at the local branches. I have no idea where to go from here. I have no idea even who to approach about taking legal action. I have done everything I know to do with the exception of occupying Austin! Help please!

My payments are not being allocated to my account properly and sometimes at all. This has tax implications. They have not audited the account and since they backdated the new modification and the interest rate is different, I have no idea how that will be applied as well. I will not be able to file my 2011 taxes until this is resolved and I may end up owing money to the IRS that, through no fault of my own, I didn't intend.

I have an existing 30-year fixed rate loan with Chase for a condo in Chicago. On October 3, 2011, I began the "Chase process" to refinance this loan with a 5-year ARM. What a mistake. After 3 months, I still do not have the loan completed, and Chase continues to give me the runaround as to their requirements. I wish they would have just told me in the beginning that they do not want to do business, as I would have gone elsewhere. Terrible business.

I have wasted 3 months of time, not knowing whether or not I will get the loan. Had I refinanced elsewhere, I could have saved $400 per month. So after 3 wasted months, I have spent an extra $1,200 that I could have saved.

Today, I phoned Chase and after the six mortgage loan modification application denial. This application they phoned me and told me they had a third party ready to help me. I see deceptive trade practices all over now. I am convinced Chase Home Mortgage is the biggest scammer. I even quoted them as "Mr. Potter" as in the Christmas movie with George Bailey. I communicated to them they are deceiving and in violation of deceptive trade practices. They help no one. They assured me they help people. I said everyone I have spoken to receives denials, so who are you helping other than yourselves? After reading everyone's comments, I was correct and can now justify my statement as true.

Chase is not helping anyone with loan modifications as they were intended. I have been denied under the Texas Constitution Article law for home equity loans that existed prior to modifications ever existing, so how can they reference it? How is that possible? This is because Chase is "Mr. Potter." I hope credit unions survive for our sake. They really did me one and now trying to foreclose my property. The president should not help these banks any longer. Let them drown and let the credit unions that do help consumers survive. Its time!

On May 31, 2011, I began paying my Chase mortgage online through my bank bill pay system. For 4 months everything worked perfectly. Then in Sept., my statement shows a past due and a late fee. I checked my bill pay and my bank statement. Both indicate the online payment was made and cleared my account. I spent several hours on the phone talking to customer service. Nowhere could this payment be found. Needless to say, I had to do all the legwork for Chase losing my money! The late fee was dropped, but I had to stop payment, reissue a double payment, and check my credit rating for this missed payment.

Now, today (12-26-11) the day after Christmas, Chase called my husband to say he is in arrears on his Chase credit card payment. He paid over the phone on Dec. 16 and even received a confirmation number. He checked his bank and the payment had cleared. Why is Chase so incompetent? We get calls immediately and yet Chase takes no initiative when they lose our money. We have to take time out of our work days to track all the information down that accurately and unequivocally proves payments have been made. Is this organization so large that no one knows what is going on? Who is accountable on Chase's end? The government can bail these people out, but can Chase extend the same for their customers?

Chase is the worst of the worst. Never again will I get a mortgage with them. If you fall behind, they call you consistently until they reach you. Even if you just made a payment, they continue to call you and you have to explain your situation every single time. They are not willing to help people by lowering mortgage rate to at least help catch up. I fell behind on my mortgage and have been trying to catch up. I pay 6.25 percent and Chase is unwilling to lower it to help catch up. They charge huge late fees, so there is no catching up. They'd rather foreclose and take your home. What idiots! If they see that you are paying every month and you are trying to catch up, you would think they could assist. Instead I received short sale forms. That is their way of helping people.

I've been trying to get a loan motivation from Chase to get out of foreclosure and they just keep making me do the same paper work over and over. It has been 9 times now that I'd done the same paper work. Till this week I've come to realize Chase has no intention of doing anything. They just want to service my VA loan and charge for doing that as long as they can and want me to take care of the house until they physically take my house. They are the biggest scammers of them all and are too big to fail. My US government gave them $25 billion to loan out which they use to collect interest off and to invest in the stock market and they're not going to loan anyone of the intended $25 billion for loan modification a penny. To Chase that was money for them to steal from the USA. It's a matter of time till Chase takes my home! But I'm not paying a penny to anyone, so save yourself the time of contacting me trying to waste more of my time and money like Chase has done with me for well over a year now!

We have been trying for over a year now to get our mortgage changed or payments dropped. They keep having us send them paperwork and nothing yet, we were to get a modification but not. My husband had lost his job a year and 1/2 ago. Can you please help us? We don't want to lose our home and they just keep telling us that they need more paperwork and there has been no action.

Chase is giving the illusion of empathy! They say they are trying to help but in fact do not offer options that could really work. It seems as a self-employed person, there are not enough concessions. Income can fluctuate and that is not taken into consideration. No one seems to remember that the mortgage had been paid on time for years. I'm currently trying to save my home and it is very frustrating to say the least. I was turned down for a loan mod this year, after waiting for months an answer, because of my reduced income due to the economy and personal hardships. I can't get a loan mod because I don't show enough income and I haven't had enough consistent income because of the hardships.

If I was making enough money, I wouldn't need assistance. Duh, what a catch 22. Then I found out about this program for assistance from Keep Your Home California that offers mortgage reinstatement assistance that Chase is participating in and I am shocked that I am declined for state assistance! Again, if I had the money, I wouldn't need assistance! I gave all that was asked for but no one would give me any consideration with only working about 6 months out of the year due to the death of my father. I was in Chicago from January to March and returned in July, September, and November weeks at a time. It didn't seem to matter to them.

I'm wondering if Chase has the final say so as if this Keep Your Home California is allowed to approve assistance. But my biggest complaint is that when Chase filed a NOD, the declaration of compliance is very inaccurate! It states and I quote, "The mortgagee, beneficiary or authorized agent tried with due diligence but was unable to contact the borrower to discuss the borrower's financial situation and to explore options for the borrower to avoid foreclosure as required by California Civil Code Section 2923.5. Thirty days or more have elapsed since these due diligence efforts were completed." This is a bold face lie! I had been in contact with Chase constantly throughout this process. When I called to inquire with both the title company and Chase, I wasn't given an answer that explained the lie. I have notes and records of various phone contacts as Chase should as well, so why they would file this lie is beyond me.

I applied for a modification in March 2010 and since then I have been to court nine times! Chase or its representing attorneys Grendon and Burrick, PA have neglected to appear. In October 2010, once again another court date. I was in a mediation with the Chase representative. Finally, well not to my surprise, all the financial information they had was incorrect. All my information that was required by me was directly submitted by me and the Leigh Valley Action Committee housing Officer as requested. Yet Chase would claim they didn't receive it on time for the underwriters, etc. This mortgage company has communication issues and is unprofessional.

I had Chase mortgage at 2038 cotton tail Dr Culpeper Va 22701 but they foreclose my house in 2008 but the mortgage account is still open which is hurting to keep me current. I might lose that as well, I just receive a letter from chase Home finance that my mortgage account is past due also in credit history. It says, active, which continues to hurt my credit.

When we bought our house Chase Bank picked up the loan. We didn't have any money down, due to our other house not being sold yet. We were told by Chase we could do a recast of our loan in one year, and put money down on the loan. When that time came, we were then told that we couldn't do that. My daughter is POA, and we have faxed the papers twice, and they say they haven't gotten them. She handles our affairs, except for Chase, who denies knowing about the POA. We are trying to refinance our house, and they let anyone request a payoff, as long as they have our loan number. We don't authorize all the requests, yet we are being charged by Chase $30.00 each time they fax a payoff. To me, this is stealing. Come on! $30 for 1 piece of paper? Chase Bank does what it wants, and gets by with it!

I had loan modifications and after 4 of them, I can no longer afford to pay my new mortgages. Consequence is that I am going to lose my house.

Chase stopped sending out statements for my mortgage about one month, before they started courting me for a refinancing. Luckily, I pay a month ahead, so I ended up only missing one month. Yet, I started receiving foreclosure statements, almost immediately. I had previously never missed a payment to anyone. I was, and still am, irate. There is absolutely no way I will trust Chase, to a "no fee" refinance after this treatment. I only wonder what they can do with my tax statement, that I already authorized them to acquire. Hopefully, nothing. Otherwise, I have authorized nothing further, except a credit check. I am disgusted.

We have completed many successful loan mod cases with Chase. They need to be pressed hard with imminent BK threats or pending litigation. You need a powerful case presented from the foreclosure defense angle or you will lose.

I refinanced my fixed mortgage this past November to take advantage of a lower interest rate, and to shorten the loan from 30-year to a 15-year. The broker provided me with all the calculations and paperwork and my new monthly payment was going to be north of $2800/mo, which was only about $350/mo more than what it was on my previous 30-year mortgage. Great!

I received a letter from GMAC who had my mortgage, and the amount they requested for first months payment was $2870 as expected. Then, a week later, my loan was sold to Chase. They sent me a letter too, except in theirs my requested first payment was $3030/month. Seems they jacked up my escrow payment by $160/month more than I was told it would be by my mortgage broker.

I've now got to make a monthly payment that's $160/mo more than I was informed it would be. Seems shady, why would they decide they need to do this? I never carried a low balance in my previous escrow account of less than $900. It just means that more money will be sitting in that account when it could be applied to other things. I don't like surprises.

I have been trying to get a loan mod with Chase for over a year and they actually tell me I make too much money to qualify. I have sent so much paper work so many times it is ridiculous. I talk to a different person every time I call and they never know my situation. I just want to save my home. I asked for my payment to be lowered about a year ago and they told me I had to be three months behind and I stupidly let myself get three months behind. They put me on a payment plan and I made the payments then they said I didn't qualify for a loan mod so I would have to pay the full amount I was behind! I get phone calls and I return them and can never talk to the person that called me.

My mortgage was recently transferred to Chase home loans. I have to say they have no clue what is happening with their accounts. We have always paid on time in full. As soon as the payment was moved to them, they lost it. We have been in contact with the bank on over 6 occasions, and no one knows how to solve this. For goodness's sake, we have given them over $4,000 and they are sending us foreclosure letters, calls, and people to take pictures of our house. We have faxed our bank statement 3 times, to two different numbers. I really hate that no one who works at Chase, can actually do anything or help us. This is what is wrong with our banking systems! So far, we have not been foreclosed on, and If something is not done soon, I am going to go postal on them!

I missed a payment on my house last summer. Chase suggested that I apply for the loan modification program. I took their suggestion and downloaded the forms. I included all the supporting documents they requested. In August, they requested more copies of the forms. I promptly sent them Sept. 3rd. In September, they requested most of the same forms again. I carefully checked them for accuracy and resent them again on Oct 5th. They then asked for a "hardship letter." I had already sent two letters. Since that was the only thing they asked for at that time, I assumed they had received all of the other forms. I wrote another hardship letter, enclosed the copies of the first two and sent them by certified mail on Nov. 6th (within their 30 day parameter).

They wrote back and said my loan modification was denied because I had not provided the requested documents within the required time frame. I also sent other copies of check stubs and bank statements as well as the letters mentioned above but I did not keep documentation of the dates. It was pretty obvious that they were using my "non-compliance" as an excuse to deny my request. I do not expect any action at this point but I would like it on record that they are either incompetent or liars.

I was almost three months behind in my mortgage to Chase Home Finance and tried to send in a partial payment. I was told that I couldn't. That same month, we got a default letter from attorneys along with legal fees showing what we would need to reinstate the loan. It was like double than what the mortgage was. Then, I started to apply for loan modifications. The first one was denied saying our debt-to-living-ratio was too low, even though we had about $600 left after all expenses. We needed to show more income. I sent in more documentation, which they kept losing, and saying that we did not send in. We sent a total of 4 loan modifications along with all the paperwork, which they keep losing. I had sent it FedEx in an envelope all together. I sent the divorce decree as they asked and they said that would be fine.

My ex hasn't lived in the house for over 6 years and I was told they wouldn't need his information to get the loan modification. Now that we are 13 months past due, they suddenly want him to quitclaim the deed to me, which he won't, in order to get the loan modification. I had been told all along that that wasn't necessary. Therefore, I am at a standstill and told I have less than 30 days left to get all documentation before I lose my home.

My wife and I recently opened Chase checking and savings accounts. We did this to qualify for a mortgage discount on our home purchase. Chase Mortgage offered us a 1% cashback program if we link the mortgage and the retail banking accounts. On our day of closing, 11.30.11, we finalized the deal with the bank attorney. Today 12.3.11, we got a letter dated 11.29 (1 day prior to closing) stating that our checking and savings account are being unilaterally closed by Chase.

I called customer service for the "account analysis unit" who sent me the letter and spoke to several representatives, working up the managerial chain. I spoke to "John", then "James" and then "Alex". Afterwards, I was able to reach a manager willing to share her name with me: Meghan **. She explained that Chase has a contractual right to close the account without cause and they chose to exercise that right, and that no further recourse is available to me.

I am concerned for several reasons:

1 . I worry that my mortgage is in danger. If Chase retroactively canceled my account for no cause, or at least for a reason, they are unwilling to share. What stops them from retroactively canceling my mortgage for no cause and throwing me out of my home.

2. I decided to go with a mortgage through Chase specifically because of the 1% cashback program. This is worth a savings of about $16,000 on the loan. This was a major sales pitch by the mortgage agent. With the deposit account being retroactively dishonored, I am out on that significant savings. I feel defrauded by deceptive advertising and deceptive business practices. I am very unhappy about that and worried for my home.

3. By terminating my banking account right around the time my first mortgage payment is due, Chase is placing my perfect credit rating and the future of my mortgage at great risk.

4. It is inconsistent that as a customer, I qualify for a mortgage loan (~$600,000) after an underwriting review. But I somehow do not qualify for a retail banking account.

My accounts are being restricted then terminated. This happens at a time when I am due to pay my very first mortgage payment, putting my family in danger of having nowhere to live and putting my perfect credit score in jeopardy for no purpose. I would like to keep my accounts open and for Chase to honor their advertised mortgage benefits.

Considering class action. Short sale in December 2009. Chase held 1st and 2nd. First was paid in full. Situation was a divorce and I had a hardship letter that was accepted. The Chase short sale approval letter said I would owe the deficit on the 2nd, but Chase then filed in the Circuit Court a notarized "Satisfaction of Mortgage" on each loan stating, "Acknowledges full payment and satisfaction of said Note and Mortgage Deed...hereby directs Clerk of said Circuit Court to cancel the same of record."

Then, the debt collector letters and calls started. First, Professional Recovery Services, then GC Services. I wrote for validation and to instruct them to cease communications but they persisted. So I contacted Morgan and Morgan here in FL. I maintain that Chase's filing of the "Satisfaction of Mortgage" supersedes their right to collect the deficit, and, as of this point, the lawyers I contacted agree. Evidently, there is no specific case law to support Chase's assertion that they still have a right to collect the deficit.

To see if you have a similar situation where debt collectors are harassing you for a Chase short sale deficit, get a copy of your "Satisfaction of Mortgage" off the public records website for your county court. We are in the very early stages, but if you have similar situation and are interested in discussing possibly joining a Class Action (should we end up filing) my contact is Jared ** at Morgan and Morgan in Tampa (813-**).

I have added so much trouble with Chase Mortgage that I actually had to sell my home to get away from them. Then, most recently, I had been waiting for my escrows for homeowner's insurance to be sent to me from Chase, who was holding 3 1/2 the necessary amount. To learn that, despite my contacting my homeowner's insurance company, Chase continued to send my homeowner's insurance for 6 1/2 months after I closed on my house! That is approximately $3,600 which I have been waiting for from Chase. Instead they paid it to my insurance company on a home I no longer owned and Chase knew it.

So they owe me approximately $3,600 plus interest. I hate Chaseno one should use them. I needed that escrow money that Chase was holding to help me with my move. I had to borrow money to move, which costs me more money because Chase did not give me the money due to me.

I refinanced my mortgage quite painlessly through Quicken, but they immediately sold it off to Chase Home Finance. Unlike many others, I have not been late with payments but actually pay twice a month in advance. Chase's computer system, they tell me, is unable to handle such a novel payment idea. Meanwhile, none of my previous six home loan services have had any problems crediting partial payments in advance. They have now charged me late fees four times for paying my mortgage early. In addition, when I've made these early payments, they place the money in a separate "suspense funds" account and fail to credit any interest on the early payment. My mortgage documents clearly state that I have no prepayment penalty, so how can this be in any way legal? If a class action is filed against them for this, I'd be glad to lead the charge. I have all the evidence necessary to show an unbroken stream of EFT payments to them over the period.

I also filed a complaint with the U.S. Office of Comptroller of the Currency the last time this happened; Chase claimed I had been in arrears (not true) and the Office closed their inquiry. I full-paid the mortgage with one monthly, timely payment for a few months to make sure things were completely current, there were no charges or problems. Then I made biweekly payments, but still had it full-paid by the deadline and they charged me a late fee again! I can only assume they're wrecking my credit as well.

I had fallen behind on my mortgage. I wanted to work out a repayment plan that would increase my payment until I was caught up. My 1st plan was scheduled for payment on Oct. 21 for $1585.00. I contacted Chase on Oct. 14th to make a payment of $800.00 but was told I could not make a partial payment. I explained that their representative who set up the plan stated I would be able to make my payment in this manner. Monica (Chase Bank representative) stated she could not take a partial payment and passed me over to her supervisor. Her supervisor told me they could not accept a partial payment but to send in a payment of $800.00 (money order) and a post dated check for October 31, 2011, the difference. She stated and had me write down that the "bank could not guarantee my payment plan would not break and I would have to set-up another plan". I complied and sent in a money order for $800.00 and a post dated check for $800.00 for October 31, 2011 to 1010 West Mockingbird Lane Ste 100, Dallas, Texas.

On October 20, 2011, the check for $800.00 was presented to my bank, which caused an overdraft to my account. I contacted Chase Bank and spoke with John. John stated the only way to help me was to note my account that the check should not be presented to my account and return to him. He also stated that a new payment plan would have to be set up since this occurred. The plan was scheduled for payment on Nov. 20 for $1213.50. For the proceeding months, the payment would be $1585.00, always due on the 20th. On October the 26th, the same check for $800.00 was presented to my account again, which caused an overdraft to my account.

I contacted Chase Bank and spoke with Juan (employee **) and explained the situation. Juan had an investigation placed on my account and set up the 3rd payment plan. He stated that I would need to make a payment on November 20 for $1213.50 and $1585.00 for the next 9 remaining months. On November 16, 2011, I contacted Chase Bank to make a payment over the telephone for $1213.50. The representative stated she did not have a payment plan set up for me. I asked to speak with her supervisor.

She placed me on hold for over 15 minutes. I hung up and called back and spoke with another representative. She also stated her records did not have a payment plan recorded. I asked her to contact Juan, who set up this plan. Juan had stated in an earlier conversation if I had any problem, I was to contact him and at the telephone number of ** and give the representative his employee ID number and they should be able to contact him. The representative who I was speaking with stated she could not reach Juan since she was located in a call center.

I was given to her supervisor Chasity (refuse to give last name), employee ID **. She stated my payment plan was broken because of the post dated check and that I caused this problem. I told her what problems had occurred. And I told her that Juan had resolved these issues and I just wanted to make my payment over the telephone today. She refused my payment and stated she would fix the problem. I was then transferred to Renee **, employee ID **. I had to go over all the issue with Renee ** because Chasity did not inform him why I was transferred to him. I had been on the telephone for over an hour. I was at my job while this was occurring.

Renee wanted me to hang on the phone while he reviewed more information on my account. I told him I had been on the phone for over an hour and that I was at my job. I offered him my direct telephone number and he at first said he would not be able to call me back. He said that I would have to call the call center again and go through another representative. I stated that if I had to do this, I would call New York City where the CEO of Chase Bank Jamie Dimon is located. He quickly stated he would call me back in five minutes. Renee ** called back within 3-5 minutes and stated that he could set me up on another payment plan, but if I could make my payment today for $2,000.00.

I let Renee know that Chase Bank and I had an agreement that my first payment for Nov. 20, 2011 is for $1215.00. This is what was agreed upon in writing. Renee stated he would not be able to assist me and refused my payment. I told him I will make a payment and seek legal aid counseling and then contact their CEO Jamie Dimon in New York.

In June 2011, my husband & I filed for a loan modification. Our Rel. Manager was quite helpful, but told us that "unless we were at least 4 months delinquent, Chase wouldn't even consider a loan modification". So, we believed her and followed her suggestion & let the mortgage lapse one more month to put us at 4 months delinquent. We trusted her advice.

Over the next couple of months, I would call my Relationship Manager to check the status of the modification. On August 22nd, I made our regular mortgage payment in the bank (during the modification process, you were still able to make payments on the account). On August 24th, I called my Relationship Manager to find out the status on the loan modification & my Rel. Manager told me that we had just been turned down for a modification, but that Chase would allow us to do a repayment agreement.

She told us to wait for the paperwork to get all the details. We received the Repayment Agreement on August 29th & noticed that the Agreement was dated August 26th but the first payment was due August 24th. I immediately called my Rel. Manager & she said it must be a misunderstanding or miscommunication. I also asked her why the Agreement told us the next payment wasn't due until November 1, 2011? What about September and October 2011 payments? She said that Chase was giving us an opportunity to catch up on some bills & save some money for the upcoming higher payments. Ok, I thought, that was nice of them, and felt comfortable & relieved that we had repayment payments that were still within reason to catch up.

So, on October 14th, I see a notice on my on-line banking to call Chase. I called & asked why they wanted us to call them, and they said that we were in foreclosure! I said that it wasn't possible. They said it was because we didn't make payment on August 24th! I told the rep. that we didn't even know about that payment until we received the Agreement on August 29th! We were eventually told to file another Loan Modification & that would put off any foreclosure actions. We did that day.

Over the next 4 weeks, we were promised a new repayment agreement 3 or 4 times by several different representatives, which was never sent to us. It was always in review whenever someone looked it up. In the meantime, Chase's attorney filed a Complaint for Foreclosure in court, which we had to answer ourselves. We asked for a mediation and one was scheduled for December.

I called practically every day to make sure something was being done for us and each time I would speak to a different representative. Each representative would tell me something different from the last representative, but most assured me that we were going to be taken care of. Some promised to call us back with details......but none of them did. I feel we were given the run around & that Chase never intended to give us the Repayment Agreement to start with.

Finally, my husband & I - Now 7 months behind in the mortgage (3 on our own accord & 4 months due to our trust in Chase) are being told that in order to get the mortgage reinstated we needed $7,200.00 to be sent to Chase's attorney within one week! (Letter was sent 11/10/11 - payment was due by 11/18/11. )

I felt like I was living a nightmare.

Anyway, after selling off personal items, borrowing from my 401K, and borrowing from Peter & Paul to pay Chase, we just sent them the money to reinstate the loan. We are very happy to put this behind us & will never be as trusting again with any kind of financial situation like this. It's sad, but true.

I wish this had a negative star. My wife's mother passed away in May, and left us her house (still paying the mortgage). We are trying to put everything in my wife's name. They requested a lot of documents which we have sent them 5 times over the past 6 months. Every time we call them, 1 person says they have not received the documentation and another person says they need some other document. We asked to speak with a supervisor then that persons supervisor then, and finally Wanda told us that we need to file an assumption report the other document was only so we could make payments on the house.

So basically all the documents we filled out, were only so we could make payments on the house. Trust me, they don't care whose name is on the check they accept payments. With the assumption report, it takes another 45-60 days. People have to realize that every time my wife calls these people, it's like dealing with the death of her mother all over again. BB&T does not sell your mortgage and were told that they take over these kinds of problems all the time. Bottom line, Chase is the worst company we have ever dealt with in our lives. Even if they offered us a 0% interest rate, I wouldn't use them. That's how much I despise this company.

I was going through a HAFA short sale where Chase was the 2nd. I met all the qualifications: financial hardship, primary residence, worth nowhere near the max. It went on the market 6/1/10. They had a full price offer 8/6/11. Over the next four months, they kept asking for the same forms several times and just kept saying, "We're working on it". The first was doing the same so just figured they were understaffed and overwhelmed since HAFA and HAMP had just started. The buyers even upped the offer $5000, trying to get the deal done.

On 12/1/10, I received a call from LCS Financial, saying they were a collection agency calling about my account with Chase. I said "They've had a full price offer for four months. Call them." That's when I found out that Chase had apparently sold my account to this collection agency without saying anything to me! I called Chase to find out what was going on and their answer was, "We have nothing else to do with that. It belong to LCS. We can't even access it on our computers."

Oh, and they don't participate in HAFA so I'm still going to be on the hook for the deficiency instead of being released from it as I would under HAFA. They took the $2500 Chase would have gotten under HAFA, plus the $3000 I was to be allotted for moving expenses plus I had to bring $1000 to closing! That was just to get the lien off the house to sell it. I still owed over $36,000. I had to either negotiate an amount they'd accept and come up with the cash fairly quickly or spend the next however many years paying off the entire amount.

Nothing quite like negotiating with a gun to your head. It was at that point that I found that Chase had to approve any settlement because they did in fact still own the account! They were using this LCS to get around HAFA. I was finally able to get this LCS (with Chase's permission, of course) to settle for $10,000 that I had to pull from my retirement. Rather than $2500 that Chase would have gotten under HAFA, they got over $16,000! They have stolen $14,000 of my money and I want it back!

I've filed a complaint with the Comptroller of the Currency. I was told about them from my Attorney General's office. They are the agency that investigates Chase for Fraud and Deceptive Business Practices which is exactly what this is! Contact the Comptroller of the Currency to file complaints! Maybe if they get enough of them, someone will start to notice they're stealing from people!

My ex-husband and I separated in mid-1900. The mortgage payments were behind at the time. I was given a quit-claim deed. Following all of that, it became necessary for me to file bankruptcy to keep the home. I divorced in year 2000 and again, it became necessary for me to file bankruptcy to save the home. Chase was made aware of everything that was taking place. They received all documents in regards to the quit-claim deed, the divorce, and anything else that were going on. In 2000, I divorced and through the courts was permitted to resume my birth name. I have provided Chase with all of the legal documents. My ex-husband passed two years ago. They have a copy of the death certificate.

For eleven years, I have not been able to get Chase to change my name on the mortgage note and assist me with lowering the interest rate on the mortgage loan, which has been 13% since 1982. Also, I have not been able to get them to take my ex-husband's name off the mortgage. And even though I am co-mortgagee on the note, their customer service department to this day will not speak with me, accept a payment by mail, or assist me with any problem that I may have. Or, they won't answer any questions regarding the mortgage loan unless I give his name and the last four digits of his social security number. I can't even get a home improvement or establish any credit. I have tried to sell the home and there is always a problem, because they in eleven years have refused to offer me anything except an assumption.

My name has been on the note since 1982. I have been paying the mortgage by myself since 1995. I am still struggling to do so. I will be 65 years all next year and will perhaps be retiring and if so, will be on a fixed income. With all this, another one my worst experience with Chase is that I received in the mail just a few days ago a check to refund from my escrow account and I can't cash it. You know why? You've guessed it. It's made payable to my ex-husband who is now deceased and to me but in the wrong name.

Also, a few days ago, I received a letter from JP Morgan asking me to complete a W-9 IRS reporting form. I don't understand that either. It also had my married name on it. I called the contact number to inquire about it. I was told just to sign it and send it back. Needless to say, I will not be completing and signing any of it until Chase is able to give me a clarification and an understanding as to what it's all about.

I have been told that we qualify for their "Repayment Plan" to catch up on a missed payment. I received their standard letter in the mail without the main document stating the terms of our agreed upon Re-payment Plan for us to review sign and return to them. I have made many calls and always told they would handle it nothing. I went into the branch closest to my home and was told I would receive the document in 24-48 hours.

That was a month ago, still no document. I called the branch and could not speak directly to the lady who assisted me so I emailed her, she did called me and said that they said they sent it. She was having them overnight it to me. That was 3 days ago still no document. This is terrible customer service. No one seems to care and trying to get to a Manager is impossible. Some thing needs to be done to assist us honest customers.

We purchased our home in 2007. In 2008, my husband's job began laying off, and over the course of the next 3 years, he was laid off more than he was working. We ran behind on payments and tried to figure a way to get caught back up. That's when the nightmare with Chase began.

I began talking to a lot of people in all different locations employed by Chase Mortgage (No matter whom I called, they said it was the wrong department.), and the only thing uniform in what they were telling me was that they were indeed employed by Chase. Every bit of advice and help differed from person to person. I was told that if I made partial payments--which is what I wanted to do, they wouldn't count for anything toward the arrearage of mortgage amounts and would only pay interest. They informed me to not make payments, until I could afford to make the whole payments.

With my husband's job non-existent, we took his 401k out to do the modification special with the 3 trial payments. After countless phone calls for a year with some employees telling me it was going through and some saying no, it finally was determined it didn't go through. And to put the cherry on the sundae, they also told me that I never qualified in the first place! I'm telling you--put the word out--these people make their money, because they are crooks! I had to submit the same documents sometimes 6 times over that year, because they swore I never sent them (via fax, mail, and UPS!).

And it gets even better. We moved back to the previous town we lived in before this nightmare. We also own the same home we lived in, because it did not sell. That home is mortgaged beyond its value, and Chase holds the loan as well. No way to sell it, unless we also let it go in foreclosure. The payments are double, because they required us to put 2 lines of credit on it instead of a conventional mortgage. We don't think we will own this one long either, the way it's going.

So, Chase said we could short-sale the other house and to submit the paperwork. I have a realtor who has found a buyer, and after submitting my hardship letter and info three times to Chase, they have decided to decline the short sale. When I called to get a reason, the gal passed the buck by saying my PMI insurance company denied it, not Chase.

After arguing a bit with me, I asked to get the number and name of my PMI company which I had paid into until we quit making payments. She refused to give me the info, citing that they (Chase Mortgage) cannot disclose that info to me! She told me to look it up on my original papers from the closing. I called the Chase bank branch near me, and they gave me the information right away. And this wasn't the first time I was told lies by this company.

We received a letter stating that we were in a flood plain, and that I needed to take out immediate flood insurance to protect my liability and legal requirements by Chase. When I went to my county, I was not and never have been in a flood zone. I called Chase and was informed that everyone got these letters, and oops, their mistake. Crooks is the nice term for these people.

Now that the short sale is not going through, I was just notified this week of that news. I got a call from Chase asking me what condition I left the house in and that I need to remove my personal property by Nov 23. I talked to my bankruptcy attorney and am including it in my bankruptcy which shouldn't cost me anything.

Our lives have been significantly changed by this experience. Chase continues to ruin more and more people's lives, because of the lack of training of their employees, the apparent inability to discern the truth, the protocol of their jobs, and inability to work with people to save their homes--even though I received a ton of mail offering me just that--a way to save my home--most of which we have already tried.

Spread the word. Don't let your friends or family get messed up with this circus of a company.

My husband lost his job in January and we fell behind on our mortgage. We caught up in June and then fell behind again. After we finally got to speak with someone in America, we started to do whatever they told us to do, to get a loan modification. We filled out paperwork (over and over again) and went to local offices. We were assigned a rep and started to talk to him. He said it would take about two months to make a decision and that they would give us options. Well, two weeks later, we got a letter demanding us to pay back the full amount. There's no loan modification.

The amount they want will leave us less than $200.00 a month to pay utilities, medical, food, insurance etc. When we tried to call our rep, some woman wouldn't let us and said, "It won't make a difference. That's it." I think those of us that are trying to hang on and do the right thing are being punished for all the dead-beats that just abandon their homes. We have lived in and loved this house for over 13 years. And it breaks my heart that this has happened through no fault of ours.

Everyone complaining on this site should file a complaint with their Attorney General's Office. I did and believe me, they're listening and documenting everything I've told them. I hired an attorney and he could do nothing. Call your Attorney General's Office. After reading the complaints on this site, I'm horrified! We all have the same story! I hope Chase gets in trouble for all of these. It's unethical to "scam" people like this!

I received a modification, made three trial payments, and received the final documentation. I had questions about the final modification. What happened was, I made a call, and was told I could not speak with underwriting, but could only leave messages, and they would call me back. They never did call back, yet I kept on calling them.

I finally contacted an attorney to look at my paperwork. I signed, notarized and sent it in. They closed my file saying it came in 2 weeks, past the due date. Despite all the calls I made, I was never informed. Including two days after they closed the file, they told me my permanent mod paperwork had been received and scanned, and even sent me to the ACH department to alter my debit date, but never told me they closed the file.

$20,000 in trial payments is gone. They say I have to start all over with new paperwork, new trial agreement, etc. I was counting on this permanent modification to get out of foreclosure, so I could file Bankruptcy to eliminate all other debt, while keeping the home,as well as numerous lawsuits and judgements. Now, I am going to lose everything, because Chase is completely negligent.

The most horrible experience ever, we submit our loan modification paper work about five times. After almost two years of working on this and calling them unsuccessfully, it was denied. We tried short sale, and got an offer for 70K cash; the bank Chase didn't accept the offer they came with a counter offer of 80k and buyer agreed to pay 74k and after months and months, was denied too.

They are a bunch of evil people, they don't help anybody, credit ruined and homeless, here we are not knowing what to do. People do not get loans with this bad bank. Bank does not help people at all.

I have tried to contact Chase since they took over for CMC mortgage. I had not received a mortgage statement from Chase for October and November 20011, when I called. It is not a choice to speak with a live person. I 'm very unhappy with Chase's services.

My husband and I have been trying to modify our loan since April 2010 and it is now Nov 2011. We kept sending paperwork in and we kept getting letters back saying since we decided not to modify our loan, we are now separated. They are telling us now that the modification went to my husband's address. He received nothing and it's funny because I've been receiving everything else at the property address and never got this.

We have dealt with over 25 people who have been assigned to our case. I now say to them whenever I call, "You should all go work for The Barnum and Bailey Circus, it runs much better". To make a long story short, They are not helping people, they are evil! We decided to do a short sale and if it forecloses, it's their own fault. We will buy another house and go through a local Credit Union with help from a family member. I do think they will get in trouble for all this in the end. But by then, we will all have lost our homes which is really sad because with a modification, we could have saved our home.

I forgot to mention we hired an attorney for $3,000.00. He couldn't even do anything, he said talking to them was like talking to the chair in front of his desk! We finally took it into our own hands because we couldn't afford him anymore and he basically could do nothing.

Was pre approved for a home loan and after I paid the application fee, was denied the loan because I did not earn enough money. This is supposed to be the first step in buying a home.

I've spent the last 2+ weeks making dozens of phone calls daily to Chase Bank to straighten out an error they made. My condo mortgage was sold to Chase a couple of years ago. Then a few weeks ago, it all began to unravel. My monthly mortgage payment includes a 1/12th amount of my annual property tax assessment, and then they pay the taxes and send me a statement confirming this. I don't like them handling this, and would rather pay it myself, but that's not the way their system works. Property taxes are due November 15, and when the November mortgage statement arrived from Chase, I didn't see they had deducted the full property tax amount from the escrow account, as they have done in the past. Then I received a statement from the county, a bill that my taxes were due. I always receive a statement annually, but it verifies the taxes have been paid--that this is just a file copy for my records. Hm....this is a first.

This prompted literally dozens of calls to various departments within the Chase maze--to customer service, to mortgage department, to escrow department, to property tax department, to escrow analysis department and then despite having escalated my inquiries to managers and supervisors within those departments, they cannot give me a straight answer, or won't give me a straight answer. Each call takes from 30 to 90 minutes, most of that time on "hold", with frequent calls dropped which means calling back in, going through the menu, answering the same questions to identify myself, and then be put on hold again in the queue.

I've made voluminous notes, faxed numerous documents supporting my queries to them, visited a local Chase bank branch and had that branch manager intervene on my behalf (to no avail), noted names of people I've spoken to and the departments they represent. The latest supervisor I spoke with today said they "think" they paid the taxes on October 22, but aren't sure because the various Chase computer systems aren't compatible between departments. One system indicates taxes have been paid, others say it's not.

They "think" they cut a check and mailed it to me on October 28, for the full escrow account, so I could pay the taxes personally, but to write a check back to them for one cent (I swear I'm not making this up) to keep my escrow account open, otherwise they'll close it. And I'm supposed to want to maintain an account with them? I don't think so. Oh and they don't know which address to tell me to mail this one cent check to, not sure if it should go to same address as my mortgage payment, or their escrow department, or their tax department. They're not sure, but "someone" will let me know within the next few months. What? Another supervisor told me they "think" I will receive a new escrow analysis statement "in a few days or maybe a couple of weeks....", but they're very busy and it "...could take a while...".

When I couldn't get a straight answer, and answers received conflicted with other answers given the same day but from a different department, a so-called supervisor in the tax analysis department suggested I just call my local property tax bureau and ask them if my taxes have been paid yet, and if not I better get them paid before November 15. "It's your responsibility to pay your taxes, my dear. ", she said. But what, I insisted, happens to the thousands of dollars I paid into my escrow account that they accepted, and why the confusion? What triggered this? When did they decide to change procedures, drop the ball, and then treat me like a deadbeat because they made errors with my account.

It seems it's my fault. My payment is due the first of every month, which confuses their system because they close out their statements on the first of every month, and sometimes the balances are confused when I make my payment early so it arrives before the first day of the month. I should have known, one of the supervisors told me, that everyone has their payments due on the 15th of the month so there won't be these conflicts with their system.

I know I know I know. Makes no sense to me either. So tomorrow, files in hand, I'll visit the county tax offices and see if I can find out if they have received funds from Chase and if taxes are paid. If not paid by November 15, I pay a penalty fee. If not yet paid, I'll have to take funds I have set aside to pay other bills this month to pay this large amount (large for me), and then deal with Chase and see if I can get my money back from them, from my own escrow account. I'm thinking it's time to hire a lawyer.

What do people do who don't have access to computers, home telephones or cellphones (to make all of these calls, and not all of them toll free to Texas) and/or don't have the time or energy to devote to investigating and sorting these kinds of simple bookkeeping errors? Now where's my tent and sleeping bag. Protesters, save me a tent space. I'm coming on downtown to join you.

I have been trying to get a refund of the taxes paid when I sold my house for 4 months. I tried to prevent the taxes from being paid by Chase -- couldn't. I tried to get a letter from Chase showing the taxes had been paid for the closing -- I couldn't. I tried to prevent the taxes from being sent back to Chase --I couldn't. Now their records show the taxes have been returned, so I tried to get a check -- I couldn't.

My plan was to pay down loans to zero so that the banks could not invest processing delays and demand an additional wire transfer. (Been there, done that, paid despite conclusive tracking info.) Still, I had not anticipated the deviousness of Chase which raised impediments at every turn.

First, you cannot transfer funds over a $10,000 limit. That does string out repayment of a $95,000 HELOC. And as for the mortgage, Chase applies funds to future payments rather than to principal. You must demand a work-order to reclaim that money, with a process that takes two days.

They're Chase and they're too big to regulate. They're a bank where the stock tanks yet the CEO gets $20 million plus. There are no stinking' consequences. Are you some stinking anti-capitalist? We don't need your kind. Why don't you go back to Greece? If you take their money, grovel.

I was forced into foreclosure, saying I wasn't paying my monthly payments. The truth is they keep sending my payments back, on going since 2003. I have years of documentation, showing Chase negligence. I even have a signed affidavit from Chase bank manager showing my on time attempts to pay. My cost of $87,000.00 in eight years (lawyers, payments, escrows), still not resolved as of 11/02/2011.

I have contacted Chase Bank on numerous occasions to get a Loan Modification and I was told they will mail it out. It has been several weeks and I still have not received it. When I called again to ask for a loan modification they referred me to their refinance dept. I kindly explained that I am not trying to refinance. I am requesting a loan modification and I still have not received the application that they claimed they have mailed. I am a very unhappy customer. I found out about the loan modification from a different source. Apparently Chase Bank does not make their customers aware that such a program exists and then when you inquire about it they do not send you the necessary paper work to get it started. How many times do I need to request this? I really don't have the monies to get an attorney, but if they leave me no choice to expedite this, I may resort to that at an affordable price.

In 2009 I lost my job so I was behind my mortgage that time I found out that Modification plan will help for the home owners. So, I applied, then I got 3 months trial period, which ended September 2009. When I got the final modification, they reduced the payment from $2400 to $1271.00, since then I was making the payment on time till July 2010. In August 2010, they stop taking the payment, when I call, they told me, and that they did not receive my final modification signed documents. Luckily, I still had the FedEx receipt.

When I called the FedEx, I found out who received the documents in Chase and faxed all the proof to chase. They told me it's too late now, and I have to reapply the modification. I do not know where to go and complaint. I reapply again, after so many months now only they gave me the 3 month trial period, and the monthly payment went up to $2650.00, this more than the original payment. What kind of modification is this? I don't know. My mortgage balance is only $228000.00. What is the interest rate they quote, no idea, I need help on this.

I have submitted a modification paperwork 8 times, yes 8 times, to Chase over the last 2 1/2 years and still have not got to anywhere. Who do I go to now? Does anyone know a "good" lawyer that is affordable?

I will definitely have to say that my horrible experience has been going on almost 12 years now. Of course, we didn't know what was being done to us until our hardship. My husband's employer was being forced to go out of business after 64 years due to the state of economy. Then, I was diagnosed with breast cancer. To make a long story short, we took out a VA loan in 1999. We kind of had a feeling that something might be wrong when we received a letter from the insurance saying that our policy had been canceled due to nonpayment. We had escrow set up and never missed a payment in two years.

We fell for the ** North American Mortgage gave us, even fell for the bogus fraud bills that were sent to our home. We, being dummies, kept paying them. Now, I look at all the duplicates and see all the cutting and pasting of invoices and can clearly see what they were doing. This mortgage company even got into our checking account and made payments every few weeks or sometimes even days to fake accounts. They were actually paying one of our loans they had out with our identity.

I bet that you all think this is made up. I have documented proof for every claim I've made. From what I've learned in researching all zillion loan packets they gave us is that they were, without a doubt, using our identity and accounts for cover up. When we went in to sign, they would have us sign multiple copies saying that it was just the process. With our wet signatures, they could pick what loan amount they wanted us to get that time.

I also discovered that in our first inspection prior to closing the escrow, the inspector documented findings of hazardous waste and toxic substance under roof and said that it needed to be evaluated by a professional in the hazardous field. ,Nope they sure never told us so I kissed my three daughters to sleep every night not knowing what I was subjecting them to.

We just found all this out while reviewing my papers in the last couple of days. Also, a second inspection was really never done. They just changed dates on the first inspection and submitted it with refinance paperwork. Our house is not worth anymore sleepless nights, stressed out crying days, and arguing with husband evenings. They can have this piece of ** house and all the work and expense that comes with it! We tried everything, including giving them our first born, to no avail. It shouldn't surprise us though--and our bad for letting them bait and trap us for so long.

Anyone want to join forces and start making some loud noise about this criminal and abusive service we are being subjected to? I believe that it will take all of us working ,together fighting their army of attorneys and endless resources. Come on, guys, let's "lawyer up." We can ** our way through it too!

My mortgage is paid online automatically through my Chase checking account. The bank set this up for me when I opened my account 6 years ago. Somehow, October's payment is not being recognized by the mortgage department even though the installment was made as usual. Everyday, I get a phone call harassing me for the payment. Everyday, I explain the bank's mix up, using hours of my time, asking Chase for help and trying to facilitate fixing their mistake. It is taking Chase an awfully long time to find the lost payment. Now, I am being threatened by their contacting the credit bureaus if the mortgage is 30 days late. At the rate, it is taking Chase to find my money ($2,900.00), it will, in fact, be late. This is insane.

They claim I'm 2 months behind but I have proof showing every payment made since Oct 2010 (1 year ago). My loan was modified in April 2010 due to being out of work for 2 years. My first payment was due that month. As of today I keep getting foreclosure letters because they are stating I'm 2 months behind on my mortgage. I have copies of payments made every month since Oct 2010 (only because my online bank statements only go that far back). I have called them and asked them several times to explain where/when I became late. After being put on hold several times, they seem dumbfounded and they came back to say I owed Aug/Sept 2011? I have proof of payments for the last year, and I told her that. She did not offer any assistance but to tell me I can make arrangements to pay or see if I qualify for another loan mode.

My only question is when did I fall behind, and they cannot seem to answer that. So my concern is now I'm going to pay $2,300 on the 1st without any explanation of where I missed the 2 months? I asked her if it was prior to Oct 2010 and then that I need a printout of all my payments they've received. She said she needed to transfer me back to customer service since she did not handle that, and I was transferred to her from customer service because they stated they did not handle transcripts. Chase sends you a letter to contact them. I can see why consumers ignore them. They do not seem to have competent workers with good English skills that can help or answer any of your concerns.

Chase received my loan in 2007 from my original loan holder. In May 2008, I lost my job and contacted Chase for options. I was told to apply for the loan modification. I did this, made my trial payments but then received a letter of denial for "lack of paperwork". I notified Chase of what was going on, which I had the opportunity of speaking to someone who sounded as if she was trying to protect a co-worker for not doing their job. She informed me to resubmit all my documents and they would resubmit everything again, since I had never spoken to the person responsible for my case.

Well, I have been resubmitting paperwork since 2009. Every three months, it seems that I have to resubmit paperwork. When I call to speak to someone, being that now I'm in active foreclosure, they can never get into my account. I have had supervisors, IT tech, etc. and no one understands what the code means that will not allow them to get into their own system. All my phone calls ended in, we will call you back in a few days when this problem is fixed. And never once did anyone call me back, but they continue to send people out to my house to hang things on my door, call all times of the day to transfer me to someone who cannot get into my account. Chase Mortgage gets two thumbs down!

The title company that paid off the mortgage has been trying to obtain a release for a first lien DOT since January 28, 2002, almost ten years. To date, we have not received a release even though they submitted plenty of proof of payment in full on January 28, 2002. Back then, it was Washington Mutual. What do we do?

This is terrible. They paid $3,200 out of my escrow account for someone else's insurance (they also paid my $475 insurance bill) and then raised my escrow by $300 per month. It is impossible to talk to a person as customer relations have no option for talking to a person. If you wait for 5 minutes and do not choose an option, someone finally comes on the phone. The bill was the first time in 12 months that I received from Chase. They have caused many problems. It is a monthly hassle.

Chase has been deceptive in its mortgage loan practice from day 1. Twice, I have been told to "stop paying" on my mortgage so that I could get qualified for a loan modification. Twice now, I have been told that I could have a loan deferral only to have a foreclosure letter, a letter denying my deferral and late fees added on. I have sent them two full payments, which they are holding onto and not cashed, because I am now in active foreclosure; only they continue to have representatives call to work out a "plan" with me! Honor the deferral and cash the two checks you have and we will be even!

Chase has refused and lied and keeps giving us the runaround about refunding our escrow average check of $3200.19. We have been given at least 6 different stories so far.

Two years ago, I took FMLA due to a high-risk pregnancy. And I notified Chase bank to see what other options that I would have, because I knew that on the first month, I would not have any income coming in due to me being on my job for one year. Chase knew and got back with me, so three months down the line, I received a foreclosure paper and attorney's fee along with late charges. At that time, I called Chase to get the total due, so that I could find a way to pay the balance off. I never received any papers in the mail or heard back from them about my loan modification status.

After much debate with Chase, I filed for bankruptcy which I am now paying $259.00 per week for all of the debt that I had filed for. Two years later, I now receive papers in the mail which state that the modification has been denied and that they would not honor any future monthly payments by electronic form, only by mail. I have been banking with Chase for the last 27 years, and this is how they treat their customers. They have horrible service. and they are disloyal to their customers.

I think I would have the rights to put a legal action against Chase. I have been working with Chase for 3 years without any success. They play with you in the way they want. I was not behind my mortgage. The problem I got was when I paid my taxes late to the city. After this, Chase charged me $ 9,200 including interest and 2 years' taxes. The one I was behind and the next year.

That same December, Chase changed my mortgage payment from $930 to $ 2200. After I paid they promised to put my loan with the same current amount but they never did it. So, I was paying the $930 until August 2010, and when it was time to pay my current monthly payment, Chase lock my account and I couldn't continue paying. They argue I was behind 4 months because they want $2200, not $930 which was my initial loan because I paid down payment and closing for the amount of $60,000.

Also I paid $190,000 for my house, now the appraiser showed the house price is only $120,000. I had to pay a lawyer but I think I also lose my money with this lawyer I chose. If I explained here all they have done with me, nobody believes it. They request papers that they never check and ask for more, then when all is ready, they would say your case is under other person, then this new person asks you for more updates/papers, then again and again. It's now 3 years that I have been sending papers. This is making me crazy, under too much pressing, with stress, and crying all time. I don't want to lose my house. I don't know what else to do, I do not know who to ask for help. I really need a solution to this matter. I wish someone that reads my story could advise me.

I have been going through hell with Chase for over 3 years! I applied for a loan modification and was approved for a 3-month trial modification. During the 3-month trial period, I made every payment in a timely manner and continuously followed up for a status on the permanent loan modification. When the 3-month period was ready to expire, I contacted Chase and was told that they were back logged. And I was instructed to continue making the trial modification payments until the permanent loan modification was approved. For several months, I continued making the trial modification payments and would follow up periodically for a status update. Each time I called, I was told, "Permanent loan modification was being processed and it would be a matter of time. Continue making your trial modification payments." During another follow up call, I was told, "Permanent loan modification agreement is being FedExed to you. You should receive it soon." I waited for several days. I never received a FedEx package.

I contacted Chase to follow up. I was shocked to hear that they had denied my loan modification a few months before. They said that I should have been notified! Chase misrepresented for 11 months that my permanent loan modification was being approved and in the final stages! They dragged out the process for 11 months and accepted my payments, only to learn that they never had intentions of approving the loan modification! To add insult to injury, I shortly thereafter received a notice of trustee sale! This is just one of many horror stories!

I have been going with the process of a loan modification from 05/2010 until now. I was approved on 06/24/2011. I never received the paper work on the approval. I have been calling every week from the approval date. No response, for as my paperwork, no response for as someone calling me back, no response as for as my loan modification.I don't know what the problem is or maybe they just don't care. They just don't care if someone needs help with saving their home.

Their loan modification for unemployment is a joke. Submitted it total of three times and got turned down each time because they say I can't prove I am on unemployment. And to make it worse they just called on top of third denial and offered it to me again. Then someone else called and told me all forbearances in Texas have been put on hold until further notice. I wouldn't even rate them as a one star but the system makes you.

Our mortgage with Chase was closed in April 2009; they got it from CitiFinancial. They did not honor our modification with CitiFinancial. We paid them monthly, then we did not receive a May statement.

I inquired where the statement was. The person on phone said we were charged off and to call this number 877 -836-3040 on May 15 and not before. I called the number, the person said they did not have our account. I called on the 28th, and still, they did not have our account. Meanwhile, my insurance agent learned that the proof of insurance of dwelling was not needed and that the office person said it was paid/closed. OK, so no one sent us mail.

In August 2010, a collection service sent us a letter regarding mortgage. We checked our Credit Report, and Chase was listed closed. We sent that to it plus the insurance agent Info. And the matter was dropped. It was the same in March 2011 when that law firm ran our Credit Report and called us back to say sorry for bothering us--it was listed paid/closed.

Now, this is what makes me wonder if Chase is legitimate--concerning the very same number 877-836-3040. Chase Recovery sent a letter dated September 14, 2011 saying they are giving us "a window of opportunity" and that they will accept a 6,4***dollar settlement before October 16. I called the number and stated to the person that our account was listed paid/closed. The person said they have no record of it paid/closed. I said, "I'm not arguing. I'm turning it over to our lawyers." They would call but never left a message.

Sunday, the 9th at 5:05 Central, I was home but missed the call by one second. I called it back, and the message said the office was closed and to call back on Monday to Friday . We called the number and asked for a fax number. Then, we sent them the 2010 & 2011 Credit Reports regarding our Chase account being paid/closed, how our insurance agent is not needing to send proof of dwelling insurance, and a copy of hardship letter we had sent to CitiFinancial that a Chase rep wanted when we first bought. We provided insurance, the name of the agent, phone number, and how they did not have the account in May 2009.

We are still working with lawyers, however, they are so far giving advice. I searched the internet for Chase complaints again. I did a complaint back in April 2009. I thought I should post again. Hopefully, all the faxing of documents to them will put an end to this. The hardship letter included my husband's heart and kidney failure in 2008 and also my disability.

In July, I refinanced my first mortgage with Chase to a new FHA loan. During the closing, we noticed the second half of property taxes were not included in the paperwork. The agent quickly produced a document showing taxes were included in the old loan payoff, so we proceeded. Thirty days later, we got a late notice that taxes had not been paid. After weeks of fighting with many Chase goons, they sent an e-mail saying they had paid the taxes. Sixty days after that, Chase without any notice or permission took the tax money from my new loan escrow and paid the taxes they said were already paid. I have been contacting them for a week now and there are no return calls or e-mails. This company is a joke!

My husband moved out leaving me to a one-income family. I am a mother of four and receives no child support from both of the fathers. My husband is not their biological father, therefore, I am not entitled. Although he does not help me financially, he does provide the medical coverage for us and since my three younger children do not know he is the stepfather, we decided not to make any drastic changes other than have him move out.

I have tried to short sale my home and Chase asked for a letter from him stating that he has moved out of the home. I provided it and when I called for status, they wanted a notarized letter stating that he has moved out, which I provided. Again, more time goes by and I called and now, they want me to provide divorce papers. I did received a letter stating that my case was closed and then I called again. The representative says for me to get a quit claim deed. I said no problem and I told him that I will go to the courts that very day to obtain this and then, he puts me on hold and again, they want a divorce decree.

Any suggestions on what I should do?

I am a realtor. I have been unsuccessful with negotiating a dollar amount to settle my client's debt as they will give a verbal agreement, but refuse to put it in writing. I submitted all documentation that was requested and had to make a complaint against the negotiator. When I was directed to the "Executive office", a gentleman was able to contact the negotiator and told me that I was right about his actions, he said that this negotiator was indeed very rude, said he heard it first hand. He then proceeded to tell me that he was going to put in the complaint and that a manager would be calling me. I received a call from a manager by the name of Tom Maya, and he was worse. He refused to discuss the circumstances because he said that there was no third party authorization letter and could not speak to me until I sent him this letter. When I told him that I had sent this letter to the negotiator, his response was, "let me know when you're done talking" and he became silent. I would like to resolve this problem as soon as possible. Chase bank is a nightmare to work with.

I have been going through hell with Chase for over 2 years. I was with WaMu before Chase took over. I had been on forbearance (no payments for 3 months) and Chase sent me a letter that I was 3 months late.

I called and they said they never received the signed documents. Since then, it has been hell with them. I am trying again to do a modification. After seeing all the complaints, I doubt a modification will happen. We should file a class action suit against Chase.

Having read many descriptions of bad behavior on the part of Chase Mortgage, I was unhappy when, as I bought my new (Fannie Mae) owned home, my mortgage was assigned to them. But, my payments were to be $466 a month, and suddenly, after a year, and with only three days notice, they raised my mortgage to $530 a month! You see, they waited nine months, and never made payment on my insurance. I was unaware of any problem until I was notified that Farmers was cancelling my home insurance because of non-payment of the bills!

I called Chase but they dithered, then paid the back insurance fees. Then, they hit me with the huge bounce in my mortgage payments to keep my escrow account current. I asked them why I had to come up with more money to cover their mistake. They said, "Well, the escrow has to be current so we can pay your insurance and taxes." I said, "Why can't I pay my own insurance and taxes?" "Well, that's illegal. We have to keep the escrow accounts current," according to them.

They also threatened me with foreclosure if I didn't bring the escrow current, right away. I couldn't do that. I live on a fixed income. I checked with our county assessor and my insurance agent. Chase did lie! It is perfectly okay for me to take care of my own bills. There is a federal agency that regulates banks, and I wrote a complaint to them. In addition, I called Chase and told them they didn't get to lie to further their own ends. I was getting a lot of guff, being told that I didn't know what I was talking about and that I had to have an escrow account!

I fired back, "Okay, then it will be necessary, if we cannot come to an agreement, for me to drive into your nearest bank, park a chair on a public sidewalk, and carry a sign which said 'This bank ** disabled old ladies!' And I will call every TV station in town and tell them when I would be there in front of your bank!" Funny, the very next day, I got a call from a young woman in corporate headquarters, and was told that I can make my own payments--no escrow required. By the way, in that year, I had never been late, or missed a payment.

I will not even rate them. As far as crooks, they get 5 stars! Who are the real crooks, the ones in prison or Chase Bank? It's been about 1 year since this nightmare began.

First off, I started falling behind on my payments due to I was laid off from my employer. Eventually, I got a job making enough to make ends meet. I called Chase Bank to get a total amount of delinquent on my loan, so that I could make payments up to date. I asked the representative on the phone to make sure to include the full amount with all late fees and any other fees that would be billed on my loan. I repeatedly asked for total amount due with no hidden fees. The rep then advised me of the amount with all the fees that would be included. I made payment for that amount. Needless to say, when I received the bill for the following month, it included a fee of $150.00. I called Chase to inquire about additional amount of $150.00, and they proceeded to advise that it was some fee that was not added on last month. I reminded them that they promised me that there would be no any additional amount included. The rep couldn't help me or advise me what additional amount was for.

When the next payment was due, I was unable to make payment due to insufficient funds. I called Chase, once again, to see what they could do to assist me with my payments by adding them on at the end of my mortgage. They convinced me to apply for a loan modification, which I did apply for. They mailed me a modification package that I need to fill out and return to them with additional information needed. I did FedEx the package and all info they asked for to them. A few days later, I received a package and enclosed was a letter stating they have not heard from me. Having the FedEx the receipt, I proceeded to call them and advise them that the package was mailed to them, the rep then advised me the information was not received by them, I informed them of the routing number by FedEx that was given to me, the rep suddenly found the information that was sent to them. Rep proceeded to advise me that the package was no good due to modified information on the papers. I had changed the address to show my correct address, they said that I was unable to do that and they could not the accept papers (mind you, I have been fighting with Chase to update my address for several months, and they failed to do so as requested).

To make a long story short, I had occurred late fees and other fees due to no payment made. The information request went on for 6 months with them requesting the same info month after month. Then they advised me that Chase bank would be holding a seminar in Phoenix, AZ and that I needed to attend and bring all my loan modification papers with me, so the rep could assist me one on one in person, which I did attend and brought all my paperwork with me. The Chase reps advised me that would take approximately, 1 week to get an answer. Four months later, they finally gave me my own representative which mysteriously was replaced by another rep. Each month needed same info again sent to them, which I did send all information that they requested each time. After 1 year of going through this repetitive paper work, Chase advise me on 10/7/2011 that my loan modification was not approved, reason being was not enough income made to qualify (if had made more income would not need loan modification).

I have been making my payments each month, while I was employed with good job and as soon as I lose my job and need a little help, they just deny me. They proceeded to advise me that they can mail me a package for a quick sale, which would need to be approved by Chase Bank first. I had also inquired about refinancing my loan and the rep gave me a number to another Chase Bank in my area. Go figure, if they denied my loan modification, what would be my chances of being approved for a refinance.

We currently have a home mortgage with Chase and with a monthly payment of $1,377. I set up a weekly payment of $500 from our Charles Schwab bank account to reduce the interest charges and reduce the principle.

The first statement showed that they applied the funds at the end of the pay period of $1,377, charged me the full interest rate, and put the additional balance we paid into an "Unapplied Cash" account. When I called, they explained that I would have to call each week to apply the funds to the principle balance or open a checking account with Chase to have them applied automatically.

Clearly, this is a way to prevent people paying off the load and avoiding some interest charges and an attempt to drive more business to their checking.

I applied for a modification in 2009, with several denials. I have never received these denials in the mail. I called Chase several times. Each and every time, I talked to someone different who has no idea. They were consistently asking for the same information and verification over and over. I can call one day, and they will say there is no record of them even holding a loan on my property. And when I call the next day, they will say that I had shown to court, and was asked to move out. I have never been to court a day in my life, let alone for a foreclosure, or meeting with Chase. I have been treated rudely and disrespectfully on several occasions. They put door hangers every month, on the 26-28th.

When I called them, they said that they have not put any on my door. They put me through a trial modification payment for 6 months. But I did not miss one payment. And to my surprise, they said they denied me. The next call resulted in a rep telling me to quit making payments, and they would automatically grant me a modification. I made a phone call today, with them. I was informed that I don't live in the house any longer, that I moved out several months ago. Ask my neighbors. I still am in the same home, 19 years and counting.

I am out of fight in me. And I'm so tired of listening to a different story and different things I need to do to keep my home. Chase is not a company I will ever deal with again. In fact, if I was to try and buy a home later in my life, and the contract sells to Chase, my home will be put up for sale automatically. They are rude, disrespectful, and the most uncaring and lying bunch of people whom I have ever worked with in my life. I am tired of being told a different story each and every time I call. Every time they tell me something, I ask for a letter of explanation. Guess what? Nothing has ever been mailed to me, as well as my mortgage statements. The last one I ever received in the mail was the month after I applied for a loan modification, nothing since.

My FHA loan was sold to Chase immediately. I had only made 2 payments to them and I got a letter saying my mortgage was going up over $200. I called Chase to find out what the issue was and was told that there wasn't enough money in my Escrow account because my taxes had gone up. We all know that taxes don't get raised in September, so I knew something was not right. They put me on with a tax specialist who said my taxes were $4900 rather than the $2478 that they are supposed to be. Chase also had 3 parcels assigned to my name rather than 2. The first tax specialist was supposed to fix my payment, but when I offered to send her proof from the auditor as to what my taxes really are, she declined and said that she would 'take my word'. Again, I knew something was not right. I waited a few days and called in, and heard that my mortgage payment was still over $200 more than it was supposed to be. It was not fixed as I suspected. I then talked to a 3rd customer service rep who put me on with a 2nd tax specialist. She said she would fix it, and apologized. On Oct 1st, my mortgage payment was automatically withdrawn, of course at the incorrect, higher payment. I then called Chase for the the 3rd or 4th time and got another customer service rep who tried to tell me my Escrow account went up. I explained to him that Chase has my taxes incorrect, and a 3rd parcel assigned to my name, which was supposed to be fixed. He then went to put me on the phone with a 3rd tax specialist, at that time I was furious. I explained that I had already talked to 2 tax specialists and nothing has been fixed! He stayed on the phone with me while the tax specialist said she would again fix the problem. I eventually got a supervisor on the phone who said I would be credited back $312 in 2 business days.

Well of course, no money has been deposited into my account. Today I was then told, "Oh sorry, we are overnighting you a check. The request went to the wrong dept and they can't just do a credit they have to cut a check". Seriously? This is a bank, and if you debit my account an incorrect amount, I expect the money to be deposited back into my account, not cut a check. So now 5 days after, I'm supposed to receive a refund and I still have no money. I was also told that they are doing a 3rd Escrow analysis and Chase is still unable to tell me what my monthly payment will be. I just closed on my house in June. My taxes, nor my insurance have changed, therefore my mortgage payment should not change. I will never recommend Chase for anything. I have also written to our Better Business Bureau hoping to shed some light on something I feel is scandalous. I'm still waiting for my refund, and I'm still waiting to find out what my mortgage payment is going to be. Chase is a joke!

My problems started back in 2008 when my husband's pay was cut by $2.00 an hour. And his hours per week at work were also cut. This started putting us in a major bind with our bills, in turn leaving me with major depression. I had to take a leave of absence from my job. Since I was part-time, I didn't qualify to receive any short term disability or anything. We got even further behind on our bills, including our mortgage. We begged Chase Finance to help us, only to get wrapped up in a 6-month long application process for a loan modification. We finally got the news that we were approved, which lowered our home mortgage payment, enough for us to file bankruptcy. But we still make our home payments. We got approval of our new payment, all papers signed. And we filed for bankruptcy. Our bankruptcy payment plan was set out per our new mortgage payment, which left us with just enough money to buy groceries and gas to get to work.

Chase Finance decided to raise our mortgage payment back to the original amount after three months. Their reasoning was because of our homeowners insurance and escrow. We were originally told that they had loaned our interest rate from 6.5% to 5.5.% in order to make up for the difference. Then, our rate is upped back to 6.5%. This left us getting behind yet again on our mortgage. And then, our attorney received a notice to pull us out of bankruptcy and that Chase was suing us for our home. After a court hearing, Chase agreed to not take our home. But we were then forced to pay for their 10 (high priced) attorney representation in court. We also had to sign an agreement that if we got behind again, they would foreclose on us immediately. Our loan modification left me in the exact same place I was three years ago before I asked for their help, struggling, and barely making enough to feed my family. Chase is so willing and ready to force my family and children out onto the streets. They have a 10 man attorney team for our little family, when our home value is only that of $50,000!

It is with much disgust that I write to express our displeasure with our most recent experience attempting to buy a home on a short sale with Chase Bank as the mortgage holder for the seller. We entered the market with the resources to buy a home, the willingness to work with a reliable realtor, and a commitment to spend the time necessary to complete the process. Our financing was arranged and we had agreed to the Chase Bank price. Little did we know that either by design or as a result of inept operation, we were to be kept waiting 3 months for the short sale letter of agreement from Chase Bank. (At this point, allow me to remind you that we agreed to the sale price set by Chase Bank). After a 3 month wait, we received word that Chase Bank wanted $25,000 more than the agreed to price.

During this 3 month period, after having agreed to Chase Banks price, we were told a number of stories about why we had not received the short sale letter. What follows is a general description of the process that we experienced including what we believe to be a significant misrepresentation made by Chase Bank.

In May 2011, we located a house at ** listed at $110,000, which we found to be to our liking. We offered $100,000 and the seller accepted that offer, on which we entered a contract. Chase Bank, the mortgage holder, indicated that they would sell for no less the $112,000. We countered this offer with a price of $106,000. Chase responded to our offer by indicating $112,000 was the price at which they would sell the house. We agreed to that price and communicated that agreement.

Approximately, two week later, having not received the short sale letter, we were advised that the Chase Bank negotiator was on vacation, but after a conversation with his supervisor, we were assured that the short sale letter would follow the next week. Several more weeks went by and then we were advised that the bank had appointed a new negotiator. We have also been told that this negotiator quit the job resulting in a further delay. This was followed by being notified that the banks BPO had expired and a new BPO was ordered. After several more weeks, we were advised that Chase Bank, based on their new BPO, now wanted $139,000 for the property.

Here is the surprising part of this story. Our lender had gone ahead with an appraisal of this property and it had come back substantially less than the BPO that Chase said it had received. Beyond that, Zillow.com shows an appraised value of $115,500 on that property. It is granted that this Zillow appraisal may have been a little low but not by much. We were so upset by this development that we wanted to walk away from any dealing with Chase Bank. However, our realtor suggested a small counter with both of us expecting it to be rejected based on our previous experience. Against our better judgment, we agreed to make another offer of $115,000.

In the space of less than 7 days and to our surprise, Chase Bank suddenly agreed to $115,000 for the sale price. However, prior to this sudden approval and based on the entirety of this experience, we had decided to abandon our efforts to buy this house solely based on what we felt was the negligent or intentionally dishonest business practices displayed by Chase Bank. We believe integrity and honesty to be paramount in dealings between individuals and/or business entities. In our opinion, Chase bank displayed neither. As a Board Member of the Public Responsibility Committee, you should be dismayed, if not ashamed of the manner in which Chase represents itself. Perhaps too big to fail banks, like yourself, should simply fail, so you can reassess the manner in which you choose to deal with those who keep you in business.

As for us, we will choose never to do business with Chase Bank in any form. We are considering letting as many consumers as possible know through publishing this experience via the internet or through the news media that Chase Bank dealt with us in this manner. It is a small rebellion on our part, and perhaps you or those at Chase Bank who set policy really could care less, but small rebellions do count, especially to those who act on principle instead of greed.

I applied for a loan modification for my mortgage with Chase, and after a year of them constantly asking for additional information, I was put on a trial modification plan for 3 months. I hadn't received anything from Chase after my trial period was up, so I contacted them and was told that my case had been closed. I later found out that it had been closed because they said that I faxed in my paperwork (like I was told by their representative), instead of sending it in the envelope provided.

Because of my divorce, I was working two jobs to try and stay afloat. I then decided to do a short sale of the property. I immediately received an offer and my real estate agent sent it thru the channels at Chase to get approved. Chase denied the short sale, stating that my ex-husband had to cancel the quit claim deed that he had signed and be put back on the property. Really? Seriously? I don't think he was going to go for that, would you?

This goes back to 2004 at the time Washington Mutual was the bank I was making my mortgage payment to. I was in an optional adjustable arm loan. They gave me options to pay every month .I paid the first option every month on time. After the first year of making my payments on time, I was mailed a letter from Washington Mutual stating I owe them $10,000 for my taxes. When we closed on the house we made clear we wanted our taxes built into our mortgage payment. We called to explain what happened. We asked if we could put the money owed on the rear of the loan. They replied, the bank doesn't do that.

They said they would get us on a payment plan for the balance .They said we will have to pay $2,400 a month for two years to make up the difference. I explained to them this would be hard. The bank said if we want to keep our home we have to agree. We would fall behind. We then had to get reinstated and pay $ 10,000, yet get on another payment plan. Again explaining this is too hard. So I would withdraw the money from my annuity plan from my Job. Now the payment is $2,600 a month. I fell behind again. I paid the $10,000 again. They took a total of $30,000 and I was in the same position.

It's now 2008 and this is the beginning of the loan modification program. I told Washington Mutual I need help. I applied for the program, I sent in all documents requested. After six months of sending the same information over and over, I got approved for a loan modification. It's now April of 2009. Washington Mutual said, to process this loan modification I have to come up with $4,000. I said, I thought when we deal within the same bank there will be no cost. We told them we do not have $4,000 dollars. So Washington Mutual tells us we would have to get on another payment plan for $1,500 a month for 3 months which totals now to $4,200 dollars. I said, the charge Washington Mutual answered was miscellaneous charges. The bank said, once we pay the money in 3 months all we would have to do is send two pay stubs and we will be finished and into a loan modification.

The payments were for June, July and August of 2009.I paid the three months on time. Now September rolls around and asks me for all the same information again. Washington Mutual tells me to keep paying the $1,500 a month. Washington Mutual tells me it's a trial modification, so I go along with this .I got a letter in October of 2008 stating Chase is now my mortgage company to keep making the $1,500 payment until further notice. I am asked for all the information again in October of 2008.Every month they want more information. I always send whatever they asked for on time and promptly. Not counting all the phone calls I made, twice a week, every week never letting up. There were times I called every day and some cases three times a day.

I continued making this so call trial modification payment. I did this until December 2009, that's $1,500 a month on time for 6 months. I talked to a rep in December and said Chase cannot take anymore of my payments. I got a letter from Chase in January of 2010 to keep making my trial payments, so I comply as always. I made payments for January and February. I go to make another payment and again they cannot take a payment from me because a deal was being package with my loan modification. I got the package and I have 10 days to respond or the modification will be terminated. We got the FedEx package and we read the deal. It reads $2,400 a month for 40 years. I called Chase and said there is something wrong here. I have the same payment for 40 years. The person from Chase tells me don't sign it and send back. This is now March of 2010. From March until present Chase is still asking for information. I sent them 6 years of tax returns, pay stubs, and bank statements. They are telling me they need more information.

We talked to the bank in April of 2011 and said we are in final review and all they need is the appraisal. May 20011, they got more information from us. We were told in June we are still in final review and asked for more information. In July Chase told us the appraisal is complete, all the financials are completed. We should have our deal in two weeks. Then they send me the Dobbs Frank report to fill out, requesting all the same information again. On August 22nd of 2011, Chase asked me for two most recent pay stubs and two months bank statements. Yet again we comply. I sent it by fax two times on September 19th. I called Chase for confirmation they received the requested information. The rep from Chase said yes. I ask the rep why it is taking so long for a loan modification. His reply well you were denied for a loan modification and we reopened your file in October of 2010. So we said, we weren't denied we sent back the outrageously deal you gave us in March of 2011. I asked, you mean to tell me my folder has been sitting there from March of 2011 to October 2011. The rep said yes the process takes a while, so I said my folder has been sitting there for 7 months. This modification started in 2008.

We received a letter hand delivered of a foreclosure notice from Wells Fargo in 2009.We have asked Washington Mutual and Chase for help and no response. I sent both banks at least 10 hardship letters and nothing.

This is putting a strain on my marriage and our family life. My wife has diabetes and it isn't helping with all this stress. I am getting drawn out and am emotionally drained. There is very little happiness in our lives due to not getting any help.

I really don't want to rate them at all. I am writing because we are in need of an attorney in Texas that will handle our case and has dealt with Chase Mortgage.

Back in may of 2003, we closed on our new home that was handled by and money borrowed from a company named Austin Loan in Austin, TX. The loan was bought by Chase and approved as an FHA loan. In may of 2005, we were notified by FHA by mail that it was no longer an FHA loan and had also received a letter from Chase stating that they could no longer take PMI. When I called that year to chase the person who sent the letter and the supervisor who signed it, I asked her what it meant since I had no knowledge of what PMI was, she stated, "I don't know. Chase just told me to write the letter." She just said that Chase would no longer be taking out PMI from our note that was included together, as well as our taxes and insurance.

She also stated that we would receive $1900.00 back because it was taken out and we paid for it at the time of closing. To this day, it never happened. I made calls and was told by Chase that I could only fax the insurance company and we could not talk to them. They couldn't even transfer me to that dept.

When I called FHA, they confirmed that our loan was not FHA because Chase failed to turn in documents in a timely manner so they were not insured by them. Only to find out that they would lose out later on. So we left it alone and was told by an attorney over the phone that unless they come back to you later on claiming that you owe them, then that's the time he will take the case. But I shouldn't worry about it.

We were first-time home buyers and we were able to make payments. At one time, Chase was trying to get me to buy the PMI. I called around to find someone. But the insurance companies laughed and said it's Chase's responsibility to buy it and we as a homeowner cannot. Well in 2009, my husband lost his job and they offered to help us with Obama's home modification loan assistance program, which we wish we had never done. There are documents after documents mailed, faxed, and FedEx-ed to them and to this day, no modifications were done.

In January, after being passed around to many people telling me different things, they said that they will just have 1 person handling my case since Chase added 300 people. But this would make me send them all the documents again.

As it is, I have been disabled for years and this did not help my stress and health in dealing with these people. We did all the calling and never got a call back. When I called in August to check the status on the case assuming that time they had everything. But then the relationship manager said they do need our 2010 tax return. I was very upset! I wouldn't have known this if I didn't call. I was planning to fax them but got ill and didn't get to do it at that time. No payments were made to them as of January 2010 like they said and this would stop our modification loan.

On September 4, 2011 we lost our home to the wildfire National disaster in Bastrop, TX. We were very blessed to be alive. Chase wanted $133,000 for our insurance but it should only be $110,000 because it was not our fault that it took more than a year for the to modify our loan for whatever reason. We tried to negotiate with them as Christian people do. We do not agree to the $133,000 they are asking for, just the $110,000. We ask they they forgive the $23,000. We filed a complaint last Thursday and they said someone will call me back in 3-5 business days.

Today our loan modification manager called and said he knew about the fire and if we had spoken to our home insurance. They were talking to me about foreclosure. I wanted to laugh, God-forbid, because how can they foreclose a home that is not there anymore. He had me speak to an Executive Office person and asked me if I wanted Chase to charge off $23,000. I said, "No ma'am. Not charge off but forgive like they said before that some loan modifications were being forgiven now." She put me on hold for a long time only to come back and say that they cannot forgive the $23,000 and we have to pay the whole amount of $133,000.

I said I'm going to plea the 5th on what I wanted to say but my husband and I will not accept this after all we have been through and this is not an FHA loan, which the relationship manager and the Executive Office person didn't agree with. I told them I would call the Governor and the Atty. General if they pursue.

I was so stressed, depressed and very upset and cannot believe this. Thank God we stopped paying them. Now we need an attorney that will help us in Texas and take this case since it's so complex due to the fire. Does our insurance have to pay them or make the check to us if we let them foreclose or if we file bankruptcy? It's not fair to us that we would use our personal money to rebuild our home. Someone please help us. God Bless All of us who have been tossed around so much through all these mess.

Minus 500 stars for their inept Loan Modification program. It never existed. I talked to my attorney and she said the Colorado office was labeled "imminent default" as these ** are waiting to clutch what they can after being bailed out for 300 billion. We spoke to 8 different "associates" (most hardly comprehend English). One in particular, Nikita ** (supervisor) 972-443-5805 in CO office. They FedEx-ed the same papers back to us 5 times then denied it. It's all a fraud.

June of this year, my wife and I applied for a mortgage modification and were given instructions that we followed. Almost four months go by and still no contact from them.

On September 26, 2011, my wife contacted the Chase mortgage company by phone and spoke with an operator and was told that our modification had gone through, our payments were lowered by almost 300.00 dollars per month with a new lower interest rate. The following day I received via Fedex a letter in the mail regarding foreclosure information.

I called the phone number displayed on the first page of the letter and was redirected from foreclosure to the modification dept. The modification was approved but our payment was not lowered, but increased by almost 400.00 dollars making it 1700.00 a month. How is this helping anyone in my opinion? This is a forceful attempt to foreclose a property by increasing the payment, making it impossible for me to pay because they want my property. How can mortgage companies do this to people seeking help?

These businesses should be held to a standard of legal responsibility and turned over to a government agency for prosecution. In some parts of the world this would be considered robbery.

Chase presently holds my current mortgage. As a single parent after a divorce and reaching out to them several times to determine my options for modification and not ever receiving a call back, I began the process to do a HARP Refinance by contacting their mortgage department for a lower rate to avoid a potential future default. In the prior 5 year mortgage relationship with my current mortgage, all payments of principal and interest had been made timely, including taxes and insurance which I escrowed myself. There was never a late payment. Initially, the first staff person during the application process failed to secure a preferable lock-in rate that would have been affordable for my needs, despite the fact she reported locking in a rate with my consent over the phone, only later to decide on her own, to withdraw the application and lose the rate without my consent. After contacting her supervisor, Ray **, and finally locking in a good rate for the second time, I clearly communicated I could not afford out of pocket closing fees. I was reassured throughout the entire loan application process and point of approval that closing fees would be included in the new mortgage.

Several days before the loan was to close, the attorney's office informed me over $3000 would be due for out of pocket expenses due to the escrow account. I previously discussed the fees for the escrow account with two separate loan processors throughout the entire process and each indicated they would be covered. Additionally, the closing attorney advised, if there were any issues to discuss with the bank regarding the delay of closing, October 3, 2011 was the date the loan rate would expire. The commitment letter indicated a suggested closing date of September 23, 2011, but when I contacted Ray ** on September 22nd to discuss the conflicting information I had received from his staff, he reported I already lost the lock-in rate we had agreed to and there was nothing he could do to remedy that problem or adhere to the information I was given in the commitment letter.

Chase representatives hounded me for months to refinance an income property of mine. Then, when I agreed to listen to their proposal and agreed to the refinance, when it came to the closing; their proposal and agreed upon costs to refinance where changed and they added additional costs and paperwork. A "refundable" cost was not refundable. After all papers were signed and additional costs put into the new loan, I received a new set of closing docs via FedEx and I owe another $145 for someone to sit with me at Chase Bank to sign the loan docs. This $145 was added 10 days or more after all the docs were signed.

I have very good credit and have my mortgage on auto pay each month (never been late) because I am out of the country regularly. My account has no escrow; however, Chase sends my bank an increase in payment about every three months saying that it is their policy to have an escrow account. This is a constant problem. Now, they say that I am late on my insurance. Three times I have sent insurance information to show that it is not the case (last time certified). Their response is an additional charge of $160.00. I cannot take this any longer and I am refinancing my loan to get it away from Chase (they bought the original loan). In addition, I am seeking legal advice.

We have had real problems in dealing with the folks at Chase for the last couple of years.

We contacted Chase about refinancing two years ago. They told us to fill out the applications, provide tax returns, provide pay check stubs, etc. All of the gathered paperwork totaled 30 plus pages, which we then faxed to Chase. After 2 weeks, we called Chase and asked about the status. They said they never got the paperwork. We refaxed it again. Another 2 weeks passed and we got the same story with Chase. After faxing it a 3rd time, they admitted receiving it. But they said the information on the documents was now no longer current, since 30 days had passed. We played this game with Chase for 6 months before giving up.

In July 2011, we received a notice from Chase that our mortgage would go up, from $950 per month to $1,220 per month due to issues with escrow. It would be effective in November 2011. We knew there was a discrepancy because we were paying our homeowner's insurance separately. We paid our normal $950 mortgage in August. Chase called us in mid-August saying that we owed them $1,220 and that our normal payment was not enough. I explained that Chase had sent a letter describing that the change would be effective in November 2011. They denied it. I asked where I could fax the letter showing them proof. They said they did not want to see it. Chase is now calling us every other day and hitting us up for mortgage and late fees, for a mortgage that is neither short nor late.

Trying to work with one person is impossible in dealing with Chase. By their own admission, they shuffle case loads every three months, so it's almost impossible to deal with the same person. The people who work desk and customer service jobs at Chase are beyond incompetent. That whole company needs to have a class-action lawsuit filed against it.

We were two months behind on our house payment (November 2010 and December 2010). I didn't miss a payment since December and hoped to make up the two that were behind eventually. On August 30th, I went to Chase Bank to pay my house payment and I was told that my account was frozen, and that I would have to call customer service. I called them and was told they could not take my payment but went through the repayment options and had a repayment plan set up.

I was told that paperwork would be mailed to me by the end of the week. To date, I have not received any paperwork. I called several times and was told each time that my account was in "pending" status and that it was waiting to be approved. Yesterday, September 22, I called the customer service number and was told that the repayment plan has been approved and I was asked for a fax number so they could fax the paperwork to me within the next 24 hours, and to sign the forms and fax them back. The first payment, by the way is, due by September 30th. I didn't receive the fax today so I called and now, I have been told that the repayment plan has been denied but it is probably in error and to call back on Monday. I am at my wits' end! I have the money to send them and I was told to call back on Monday, that they can not take any payments until the plan is approved. Help!

JP Morgan Chase a.k.a Chase has placed my account in foreclosure. I was forced to file Chapter 13 to save my home. For 2 years, we have been in the courts trying to provide Chase with what is needed to retain our home. My Chapter 13 plan payments increased from $800 a month to $1280 per month, with an additional $1075 for mortgage payments not received due to a technical error in the plan in addition to $2269 per month. We agreed to continue with the payments in court, reducing the $1075 due to hardship. Our court date was moved from Sept 14 to Nov 15 because the judge was not available. Within 2 days of receiving the rescheduled court date, we received a package by express mail from Chase. They were offering alternatives to foreclosure through remodification or short sale with a bonus of $20K paid to us in the end if accepted. Our first request was a remodification. We were given a hard denial. We were told that if we do not take the deal, we will foreclose and get nothing. We accepted the deal to short sale our home and take the money.

Because I was not aware of their intention to take our home, I sent in my regular mortgage payment of $2269 on Sept 6. I was informed from the loss mitigation representative that they have not received a payment since August 6. I told them that was incorrect. It was because I sent my payment through online banking as an electronic funds transfer (EFT), and that was wired into Chase's account. I was told there was no record of this. And they told me that if a payment was received, it would be returned back to me since they are now refusing any payments received. I called my bank and confirmed the payment was sent. And I had proof of that payment sent to Chase. Now all of a sudden, the payment was received on Sept. 6, posted on Sept. 12, and returned on Sept. 12. This is as you know a **.

I still have not received my money. I have called everyday and I've spoken with a total of 11 different representatives with Chase. I was provided 2 wrong numbers to fax the information to. And I still cannot get cooperation from the bank in returning the payment to me. I was told that now it takes up to 30 days for an EFT to be returned. I called my bank to confirm this and was told it only takes 1-2 days. I was informed by my real-estate agent that Chase is known for conveniently losing paperwork. I have until Oct. 4 for this deal to happen. Yes, they gave me less than 2 weeks to have my home listed for the sale.

My entire story is too long to list here because it goes back a couple of years. But I would like to be contacted to provide additional information and to join the class action lawsuit. For any potential home buyers looking for a loan, please believe what I say. Stay away from this company. I've read some of the horror stories on this page. I've experienced a lot of the same issues from the homeowners insurance problems - tax bills, all of that, even the lack of communication regarding the loan modification. I can accurately and will attest under oath if necessary that these stories and mine are true. Something has to be done. I am all for taking this to another level in the courts. I am tired of honest working people like ourselves being ripped off by a bunch of billionaires and their staff. I am not sure what this Consumer Affairs can do, but I want it noted that I too am filing a complaint against J.P Morgan Chase/EMC.

My wife was laid off from work over a year ago. Like most people today, she fell behind on the mortgage payment. After speaking with a financial "expert" at Chase Mortgage, they suggested that we refinance our mortgage, and perhaps lower the monthly payment making it easier on us. Well, here we are 92 days later our loan "specialist" (Gabrielle) has never called to speak with us, but instead we are getting letters that a foreclosure could be possible, but is not happening "yet". They did not assist us. They are not accepting the late payments even after I had to borrow money.

I rate my overall experience with Chase bank a zero. I see many with the same exact story. Mine is not much different, I just happened to have built my dream home, with the illusion that one day it would fund my retirement. But our lender is one of the largest banks in the world, so they do whatever they want.

Here is a very short rendition of "my story". Mid to late 2008 we continued to struggle financially due to medical hardships and the October 2008 crash changed our "second job" overnight, which was a small artistic railing my husband had started in 2004 to help us make ends meet. Since it is in the construction industry, most if not all Americans by now would realize the major impact it had on our business. We had to lay off our part time helper, a single mother. Business came to a screeching halt and we weren't getting much income. This was despite the fact that my husband made a good income through a full time job with a DOD contractor. I received SSDI benefits, having become disabled through a series of injuries and a brain injury in 1996 and received a small check monthly as well. Despite all the incomes, with rising gas and utilities and having grown up children, the over $3000 per month we had paid faithfully to WaMu became unbearable. WaMu failed and was bailed out by our government by our American tax dollars. So I figured if I called the bank for a work out, they could give a little, and we could meet in the middle. So, ours was one of many loans Chase picked up from WAMU, and inherited their mess.

So after paying on the house we built in 2001, I reviewed the paperwork and had refinanced with WaMu in an interest only arm in 2003. It was our only hope to save our home, hopefully at least until my husband's youngest daughter graduated high school. We often felt guilty that she had to worry about if we would still be in our home during her final year of High School. As an adult, you understand that really is the last year of your life that you don't have all the responsibility, at least not most kids.

Little did we understand at the time what a scam these loan terms were, and here we ended up in 2009, with a slightly higher balance than we started out with from the WAMU refinance in 2003. We have invested nearly $380,000.00 in loan payments on the property. I don't know math very well, but I do have morals and I do know that I have been stolen from and laughed at by greedy bankers. I have the money that I could not even fathom in my best days as an upper middle class resident of "the good part of town".

So March of 2009, when no one had even heard of a HAFA, an SS, nor a DIL, in hopes of some cash for my keys, I called the bank and asked about the new government program that the Obama administration had mentioned. I had located some basic information on the internet. In fact, I'm the one that asked Chase about the program at the time, and I had to wait a bit to even be given the forms. I felt lucky, because I knew I was ahead of the curve. I know the good days were gone, and it would get much worse. It did, and it still is.

After submission of many paperworks in 2009 for the HAFA program, every single day I worked ours on bank paperwork. Sometimes I sobbed. Sometimes I called the bank when I wanted to be a bitch to someone. Just to let it out. I figured that they were partially responsible for this mess I had gotten into. I will be the first one to take half the responsibility. I was also one of the first to walk away from the closing table, feeling a little guilty, like I had been the one who got away with something. Looking back, that is disgusting and unfair. The government started loosening lending guidelines in the late 1980s, and soon they would give anyone with a breath a loan.

I was a beautiful fall day, in October of 2009. We had been on pins and needles for months. Stomach aces, deep sadness about loosing the home we had literally poured our souls into. Sometimes when the house was quiet, and Sarah was at school while Rob was at work, I would wander. Room to room, I was weeping and cherishing some of the last moments in the home. I looked up at the 30 cathedral ceiling in this monstrosity of a house, over 5000 square feet. It was too much to bear and I would fight, I would get a new agreement from the bank! Although I did not vote for our current president, I was certainly excited to hear what he had to say at that time. Maybe I was wrong, and I had hoped so much.

Then the unthinkable happened. Out of the blue, in the fall of 2009, after 12 years of service, my husband was laid off from his job. Our largest source of income. I thought I knew for sure, that given the loss of income, for sure we would be approved. Long story short, we were turned down in Oct 2009. I put the project on hold for a couple of months. After the first of the year, I was in constant contact not only with the bank, but with another guy who was a friend of a friend. He promised that the law firm he worked for would save our house.

February or so of 2010, we hired Kramer and Kaslow attorneys at law. After spending $3800 and 9 months into another HAFA submission that the attorneys had come up with some formula that pretty much guaranteed fit into Chases lending guidelines, we were turned down again.

The next strategy was to do a short sale. The home was put on the market September of 2009. We got 3 offers. We submitted the offer to Chase in October of 2009. Finally, two days before Christmas, they accepted the offer and we set a closing date of Jan 28, 2011. End of story, right? Well, not exactly after my husband putting in notice to quit the much lower paying job he had finally obtained in the fall of 2009. After being laid off for a year, transferring everything, shutting off utilities and loading two semi-trailers, ready for a cross country move, the deal fell through a week prior to closing.

Devastated, we had to literally make a decision to stay or go as our moving truck was arriving the next day. I couldn't take the roller coaster any more. I wanted off, I couldn't do it. Was it my brain injury or was it that I was giving up? The pain, the guilt, the anger, the frustration of hundreds of calls that got us no where had led us to this.

We hit the road and never looked back the following week. Neither one of the two back up offers on the home were good any longer, as six months had now passed and they had obtained other properties. In March of 2011, the house was put back on the market under the HAFA short sale program again. An offer was submitted to Chase bank in April of 2011. With such relief, I accept it but it took Chase bank five months to even review the offer. Once accepted in mid June 2011, closing was again for about 45 days later.

I don't think I'll ever understand what happened, or why this had to happen to our family, who struggles daily for the necessities that we once took as normal part of our lives. We spent two weeks with my parents, and then vacation had to end and some decisions have to be made. I started calling Chase bank yesterday. I told them we had two failed short sales. I told them my husband still has no consistent income. I told them the house was vacant, and I told them I wanted to give it back. I'm now documenting every call about Chase, and even thinking about starting a blog. A support group for those afflicted with screwed mortgage and cant focus on having any kind of life with their family or weird things we do when banks screw with my head.

Yesterday, September 22, 2011, like I said, I started calling the bank again to see what the requirements for a DIL are. After two hours and 6 calls, I did get a phone number for that department but no extension number. So I can't leave a message. We can't even work something sensible out together. So it is, I'm back to worry, get stressed that kills my mental and physical health. They can have it, and now they don't even want it. They wont even talk to me about it. Oh, the customer service agent did say that I would need to fill out new forms and provide a hardship letter and etc. Good thing, I have done that 38 times during the short sale process. I will get right on that.

The issues just pile up. I tried applying for a home loan modification. After a full year of going back and forth over paperwork, I just plain gave up. Really, the last piece of paperwork they were looking for was a Home Owners Association document and I don't belong to a home owners association, so I sent a letter telling them that and it still wasn't enough.

I believe that they deny when they don't have time to deal with issues. Aren't we their customers!

Next. I was 60 days behind in my mortgage payment for the first time in 15 years. When I got over 30 days, I tried calling (let's not get into that because though I tried and tried, I could not get in touch with a live individual). Their phone and website would not accept anything less than 100% due, so I tried and tried because I believed that I should have spoken to someone there to explain that the payment would get caught up. Their phone system just kept disconnecting me.

So, out of desperation, I contacted an office in another state and spoke with a live person. They were sympathetic but informed me that they could not be of assistance and I should just send in the payment that I was trying to pay for 3 weeks.

Again, don't we pay the mortgage companies and aren't we their customers?

So once I mailed the payment, the very next day I received a call from Chase. An extremely rude man that made me felt like a criminal of some kind. Again, aren't we their customers? If I did business like they do, I would not be in business.

The absolute worst service! I am disabled and I was on my PC and phone for 8 hours. I didn't get any resolution, in addition, they don't speak English. I don't understand Asian-american or whatever.

I was trying to deal with them for over 8 hours and I overused my cellphone minutes. I am disabled and I have paid all my payments on time. In addition, my mortgage was sold on my closing date. If I knew it was to Chase I would have walked away. Worst customer service ever plus awful, horrible non-handicapped accessible at all!

I am the realtor for my client, Brian **. I had the home on the market since August 2010 for $135,000. Because of the neighbors that live behind this house, we had horrible comments on each showing. My clients moved out because they needed to be closer to town for their special needs daughter. I contacted Chase and asked to do a short sale and they agreed and told me to do "whatever I had to do. " I even had them agree to lower the price to $90,000 and they said to do it. So, we had several offers on the property and took the highest offer of $103,000. In June, I submitted all of the required paperwork and waited. At the end of July, someone was finally assigned as the negotiator. Only to have her quit a short time after that. Chase even informed me to lease the property to the buyers in the mean time. After numerous calls to them, I was finally contacted by another negotiator.

Brian's wife called me yesterday to tell that they received a letter stating that the house was to be auctioned on October 4th on the court house stairs. I contacted Chase yesterday and got another negotiator, and finally someone called me back and left a message because I was in a meeting. They have rejected the offer and the house is going to foreclosure.

After suffering a broken neck in July 2010, I was unable to collect unemployment, nor seek employment. I contacted Chase about a Loan Modification due to my circumstances. I have been playing the same game as other respondents. I mail and fax all the requested documents, wait 30 to 60 days, only to be told to fax the same list of paperwork. The company has taken no action to modify my loan. They are rude on the telephone, if they answer at all. I did not know the company was in the process of foreclosing on my house. The company told me to submit a requested list of documentation in order to review and process a loan modification.

On July of 2011, I read in my local newspaper, that the company was foreclosing on my home within ten days! A week later I received a postcard stating that my home would be auctioned off, two days after receiving the postcard. I called a regional help line, who guided me in stopping the "auction" of my home. Since that time, it has been repetitive requests for the same exact information every 30 to 60 days. I have not been informed as to why the same paperwork is required; let me see, six times this year. Still nothing has happened. No responses, nor replies, just fax us this list of documents. The Chase Mortgage Company has incompetent employees, leading me to believe that it is time to call in "Watch Dogs". I smell something foul here.

Chase took over Washington Mutual and lost our mortgage, returning our payments. It took a little over a year to get the problem rectified. Between that time, we applied countless times for a modification and we were denied. We eventually entered into a repayment plan to pay the nearly year-long payments they would not take, only to be told that we broke the plan a month before it ends. We were told we had to pay 8 months of payments to come current even though we had nearly completed the repayment plan. Chase is working a massive scheme to fix their books, they are not helping anyone but themselves and yes it is time for a class action suit.

This is just another chapter of horrific ongoing problems I've had with Chase Bank. Since July 2011, after making mortgage payments on time, they started rejecting my payments. Every month I would spend hours on the phone with them with no explanation and disputing the fact any payments were being made. I finally went to the bank in person to make a payment and they also rejected the payment, telling me my house was sold in March 2011. Chase Bank is forcing me into foreclosure, not accepting my payments and I am now receiving notices of foreclosure although they claim that my house was already sold in March! I can't afford an attorney to help me. I wrote to Lois Capps, other than that, I don't know what I can do to stop Chase from stealing my home.

I had a buyer at full price for my home in Maryland for a forced job transfer short sale since May 2011. My negotiator was Samantha **. She never once called me, or returned a single phone call (29 to date). She called my real estate once for an updated HUD 1 and Promissory note to submit my packet to Freddie ** for approval of short sale on August 4th. One August 20th I began leaving messages asking on the status, nothing back. On September 7th, after calling number after number at Chase, I was advised she had closed my file on August 14th because she didn't receive my HUD 1 or Promissory note. Well the customer service rep found both documents in the computer and apologized and reopened my case.

For 4 years I have applied and have been denied. I have proven that my income has changed and decreased and yet I am still denied. I was denied for making too much money. I am now at a point where I am using credit cards to pay bills or defer payments. No matter what I do or who I speak with, I don't qualify and they can't be any more specific than either I make to much money or not enough.

For fours years, I have applied and been denied. I have proven that my income has changed and decreased, and yet I am still denied. I was denied for making too much money. I am now at a point were I am using credit cards to pay bills or defer payments. No matter what I do or who I speak to, I don't qualify and they can't be anymore specific than either I make too much money or not enough.

My husband had a stroke in January. I was doing fairly well living off of a rainy day funds and not the government's money. Now that I have some money issues and I`m still trying to figure out how to pay my bills, my job's not covering it all without extra help. I tried to call and ask what paper work I could get from the hospital and doctors to see if I could lower my payment, but all they wanted was to sell me something else. My house payment just fluctuates up and down.

Now that I am having problems with my bills and mortgage, why would I take on another bill? Same with my Chase credit card; they asked like it is their money. My husband had such a bad stroke, that he is still in the hospital, and I literally used all of my savings for gas and can`t go see him. He`s an hour away. Thanks Chase.

My mother had her house set up to Transfer on Death (TOD) and she passed away on February 2008. I did get behind in 2008 when I was diagnosed with breast cancer but I eventually caught up with the payments. They put me into the modification program and they have the same information requested repeatedly. I did not understand why they kept sending me stuff in my mother's name when all the paperwork had been done and signed by me. They did approve this.

Payments were to start again on June 2010 but to my surprise, they told me that they needed to speak to my dead mother for her approval. They told me that I was not on the loan and they have been refusing my payments ever since. However, in October 2010, I was served foreclosure papers in my name. I started working with a local loan officer in a Chase branch but he got the run around from his fellow employees. I called the VP's office and still could not get this worked out. So now, I have to go to court to straighten out their mess.

I would like to share the poor experience I had with Chase bank. We applied for loan modification from Chase bank. I never in my life was treated this way. Chase bank was treating our family badly. They always lie. They never return our phone calls. We were denied twice for loan modification. When we asked them to send papers for repayment plan, they never sent it to us. They said that they are helping homeowners to stay in their homes. What a joke is that! They are just putting families on streets. We will never have any business with Chase .

I applied for a loan modification about a year ago. I was denied once for supposedly them not getting my documents, I reapplied and stayed in touch. I kept getting the runaround. Finally, I was told the loan had been denied because I have too many open loans on my credit report, even though I am not paying those. I was told originally that those would not be included. How can Chase do this? They never sent me any denial letters and had my cell number, which they always contacted me on. They claimed that they tried calling, but I had spoken to them just a couple of weeks prior and was told it was still with the underwriter. No 30-day notice to call them, just straight to foreclosure. I need help to fight this and for them to prove they own the mortgage. They have none of my loan documents I signed as the first year of my mortgage. They had the wrong social and said they did not have my paperwork. How can you foreclose if you can't prove you own the mortgage to begin with? I am in TN.

My original loan had been with WaMu and assumed by Chase. I was called in August 2010 by Steve **, a Chase representative and told that we qualified to have our mortgage principal reduced by $250,000 and lock our rates at 3.404% (we were and have always been current with our payments). I was suspicious and verified that he was indeed with Chase and all seemed legitimate. I spoke with him again and he informed me that we were behind in our property taxes and that Chase would roll the arrears into the principal balance once we were modified and that our term would increase to 40 years. Within 2 months of our modification, Chase added the back taxes to our mortgage payment and in addition, they now impound monthly taxes and have added this to our mortgage. We now have a loan that is a 40-year term, we are paying literally almost double what we were paying before. I feel that this has been an outright fraud on their part and cannot understand why especially in this economy, they choose to make such a hardship for people who otherwise would have been fine. I am sure there are others with a similar experience and I cannot find a way to get relief or answers. Please help me save my home.

I inquired about a home modification loan in July 2011. After months of sending papers over and over to this company, our first customer representative supposedly went on vacation to never return.

After repeated calls, we get a new customer service rep on our case. After another month of sending them personal documents, we were told we did not qualify for the remodification loan because our loan origination date was in 2009 and so was not in the allowed time to be able to file one (whatever that means).

OK, so fine, we will rough it out on our own, I guess. But then I found out Chase has placed my loan in an escrow impound account, and paid house insurance on my house. (I have never been late on a payment or missed a payment, and have always paid my own taxes and insurance--also not late or delinquent.) I did not authorize this and I didn't qualify for the loan modification, so they should have never placed my loan in anything!

Chase bank led me on for two years thinking that I was going to get a modification. I have a Freddie Mac loan and a little equity in my home. For two years, I sent in and exchanged over 1,000 pieces of information, received more than 100 FedEx packages with various nonsense in them and after it was all said and done, I was denied based on the fact that I owed too much in arrears (missed payments). I initiated contact with them two years ago and explained what my problem was and still nothing.

I was planning on making this short because it is only a complaint board but now, I am understanding why everyone is writing so much. I am really frustrated. If someone where to blow up Chase Bank, I would call him/her a hero instead of a terrorist. They have lied to me in writing and otherwise, and tried to lie and foreclose on my home without telling me (which I caught them doing three times). They give me sale dates, which they never postpone until the day before the sale, and have kept me in such a state for over two years. I am 25 years old and I feel like I am going to have a heart attack. I developed gray hairs and will never trust any bank again in my life.

I have spent more time talking back and forth with Chase than with my part-time job. Negotiating with Chase Bank and re-faxing and sending the documents that they lose on a daily basis has been a part-time job and I have my loan number and all the other information encrypted into my soul by this time. I have time to do this, but sometimes, I wonder what a single mother with two kids would do in this situation. Whoever at Chase thinks that putting people through this is okay, should die, kill himself, or fix it. I personally think that the first two are more likely.

And this whole TARP fund and MHA stuff is a bunch of **. The banks are depleting the TARP fund by creating all these makeshift loan modification departments and sending out millions of packages and letters--prolonging everyone's modifications until they literally get sick of Chase and just give up their homes. I don't think we need a resolution at this point, I think the people need a revolution.

Egypt, Libya, Chase Bank?

They refused to maintain a foreclosed property.

This is urgent. My home is in foreclosure! My name is Matthew ** and I live in a duplex at 208-210 Columbia, LA, CA 90026 with Chase loan number **. In October 2009, I began contacting Chase to modify my loan in order to avoid foreclosure. I have two disabled sons (now ages 4 and 6 with autism) and besides their huge medical expenses, I have had substantial hardship as I lost my job and became their primary caregiver. In February 2010, Chase said I qualified for HAMP, and I was told to make trial payments (to date, I have made 20 trial payments). Every payment has been made on time and I continue to send in my payments along with updated paperwork showing the rental unit as part of my income with every package. All the while, Chase adds penalties and late fees while compounding the difference between my loan modification payments and my original payments.

Finally, on February 2011, I met with a Chase representative and gave her another updated package. She told me that Chase needed another appraisal on the property and I would have to wait, which I did. She requested more updated paperwork which I provided. This included a lease for the second unit and proof of my rental income from my tenant as well as utility bills showing my residence in the other unit.

Finally, on March 2011, I was told that I was approved for the HAMP program and I was sent the new loan paperwork which I promptly returned. I called and asked when I would get my loan paperwork returned and I was told Chase had denied my loan modification since I lived in a duplex. I told them that I always had disclosed that it was a duplex, and I had always reported my rental income. On July 2011, Chase requested that I send in more proof that I lived in the duplex. I had already sent in my phone and gas bill. I sent in another utility bill and called again. Chase said my modification had been denied and did not give a reason.

On August 31, 2011, I was sent an Acceleration Warning (Notice of Intent to foreclose), saying I owe $36,242.86. Needless to say, I cannot pay this amount which has grown considerably due to the legal fees, penalties, and late charges that Chase has added onto my debt during the two years of attempting to work with them.

I had an extremely bad experience with this company and their staff is very rude and intimidating. My payments were not applied to the principal and they froze the money. Chase add escrow at least $1,000/month and want to foreclose my place and sell it even if Chase is obligated to work with me to keep my place. They refused to give my hamp package and documents for more than 60 days.

I have applied for modification of my home loan with Chase since August 2009. In the past year, the only response I have received is every sixty (60) to ninety (90) days which is a written correspondence asking for the last 3 month's bank statements and my financial expenses. After making numerous calls six (6) months ago, I was told a Mr. Derrick ** is my relationship manager. I have left multiple messages on his voice mail and to date have not received any response from him. Each time that I speak to a customer service representative, I was told that they would email him (Mr. Derrick) regarding my call and still, no response.

Today, September 6, 2011, I spoke to a Miss Celeste ** and she too followed the pattern of previous representatives. I asked to speak to a supervisor and she stated that the supervisor would only give me the same information she is relaying to me. I was told on numerous occasions that the case is with the underwriter.

I believe two (2) years is enough time for Chase to give me a definitive answer. I lost my job in 2009 and was not able to pay my mortgage on time. However, I have had multiple jobs (non-staff) since then and have been making an affordable amount ($1,600) monthly; this amount allows me to provide for my basic needs. I would be very grateful if your agency is able to intervene on my behalf and Chase would be forthright with some definitive answers.

My loan number is **

Thank you in advance.

I applied for a modification in 2008 when my husband was laid off and had even more reason to need it when we were hit by hurricane Ike. I have applied and reapplied over and over again since then. I received one letter stating it was denied back in 2010 because we didn't submit tax returns (even though I had proof that we had sent them). I had to "start over" again with the process. I still have no answer and have received nothing from them.

We have had one thing after another happen to us financially and the house is falling apart. We do not fix things unless we have to because we do not want to spend money on a house that is not ours to stay in. I would just like an answer, one way or another, so I can stop living in limbo on whether or not I will have a place to live or not. Chase is so completely in the wrong and need to stop giving people the run around like this.

Brownie is a self-employee in the construction business. We did not get our loan from Chase originally, but it was sold to Chase. In 2008, when the bottom dropped out of the economy, we began having trouble making our mortgage payments. Chase began foreclosure against us.

Kathy borrowed money from her 401k at work in order to save our home and we filled out the paper for a modification loan. We sent in the paperwork 2 times and followed their instructions to the letter. The first attempt, we were told we did not get the package back on time. We did get it back by the date Chase had told us, but apparently it did not get posted. The second attempt, we were told we were not approved because we did not turn in all the required documents.

In 2010, we got behind again. This time, we had to come up with $12,000. We sold enough property to come up with this amount property that was Kathy's family land. Then we were told that our loan had been changed and we now had an escrow account. We had never had escrow but Chase changed the loan and created an escrow.

Chase also paid our house insurance, which was up to date, and taxes. Chase then told us we had to come up with $4,000 more to bring our newly-created escrow account up to date. We again begged, borrowed, and stole to save our home.

This year we have had trouble because our house payment has been increased from $607 to $1,068. No one at Chase is able to tell us why our payment increased. We were sent modification papers again 2 weeks ago. They were filled out immediately and sent back to Chase by Certified Mail along with a payment of $5,032 to bring our account to full reinstatement according to the Chase Att.

Today, we called Chase to make sure everything was in order. We were told the paperwork was done on the old forms and we would have to resubmit the paperwork on the new forms. We only got the forms 2 weeks ago! We were also told we were still 2 months behind! Chase was advised that we had sent the exact amount requested by their lawyer and the only response we received was "I am unable to comment on that".

We are at the end of our rope! Help!

PROBLEM:

I am desperately in need of help because Chase Bank is trying to foreclose on my home and I am about to lose my mind. I had a written agreement with Trumbull County to pay my property taxes on a monthly basis because I simply could not pay them in a lump sum ($1,800 every six months). I also paid my homeowners insurance monthly to Nationwide.

In February 2010, I went into the Trumbull County Tax Assessors Office to make a final monthly payment until the next tax bill came out and was told that it had already been paid. In addition, it was paid one year in advance by Chase Bank. Then, the check I had sent Nationwide for my homeowners insurance was returned. I called my agent who investigated and discovered that Chase had paid the balance for the year and an additional year in advance. I phoned Chase to find out what was going on and was told that they had to make those payments because I was behind, which I was not and never had been. Chase then sent me a bill for over $5,000 demanding immediate payment.

I contacted my attorney (Ralph **) and he told me to continue to make my regular monthly mortgage payments on the first and in the middle of the month, and send Chase a check for the amount I had been paying Trumbull County and Nationwide. Chase kept demanding payment in full for the amount they had paid into an escrow account. And when I made my mortgage payments on the first of each month, they applied my mortgage payment to the escrow account and claimed that my mortgage payment was in arrears. They refused to listen when I called them. My December mortgage payment was returned to me. They refused to accept it and put the house in foreclosure because I was nine months in arrears.

I asked for a mortgage modification and it took them almost eight months to put one together. It arrived August 30th and I was not pleased with the terms. Chase told me that I have to accept the terms of the modification or my home goes into foreclosure (again). Chase increased the length of my mortgage to 40 years (I currently have 16 years remaining on a 20 year mortgage) and they reduced my payment by only $158.93 while adding 34 years to the length of my mortgage. They refused to discuss the modification and told me to accept the modification or give up the house. I have asked them again to refinance and they refused because I am in arrears by nine payments. They refused to listen when I tried to tell them that I am not, that it is an artificial situation caused by them.

I contacted a mortgage broker today, who claimed that they could refinance anyone even with bad credit. I gave them permission to pull my credit report and was told that the way Chase has reported my so-called payments in arrears, there was no possibility of ever getting refinanced. Chase has me between a rock and a hard place. I am totally trapped into accepting their terms or I lose my home.

I am literally at the end of my rope. I can't stop crying and I can barely function at work, which is seriously affecting my performance rating. I have no living relatives to ask for help. I am 66 years old and do not have enough time with the government to retire. I don't want to lose my home, I don't want to be behind in payments and I don't want to declare bankruptcy. I want to pay my bills, pay off my mortgage and retire in this house. But all I can see at the moment is that everything I have worked my whole life for is slipping away from me and I am being out on the street homeless.

They keep losing paperwork or don't know who is supposed to take care of it. They are not meeting deadlines so we have to keep extending the closing on our house. No one would return our phone calls or emails, or allow us to speak to a manager, so we decided to go with a different bank who also gave us an entire percentage point lower on our mortgage rate. The following day, Chase called and decided they are going to close. So now, we've had to file extensions three times because Chase can't get it together and we have to pay a higher rate as well Thanks a lot, Chase Bank. You've been so incredibly unhelpful.

2 years ago, my income decreased dramatically due to job loss. I fell behind about 2 months in my mortgage. I called Chase to find out about receiving a loan modification. I spoke to a woman overseas and she gave me a scripted answer that I had to be current on my loan in order to qualify for a modification. This completely defeats the purpose.

We eventually caught up with our payments. In January 2010, my husband was laid off and started collecting unemployment. I called Chase several times to see if there was anything they could do and I was turned away. I received letters from Chase saying I may qualify for a loan modification. I filled out the paperwork each time, but never received a response from Chase.

In September 2010, my husband found a job, but it was much less than the income we had previously. I called Chase and they sent me yet more paperwork for me to fill out for the modification. They finally responded with a letter asking for additional information. I faxed it to them.

2 weeks later, I received a letter that they hadn't received anything. I faxed the documents to them again. 3 weeks later, they sent me a letter saying they didn't receive everything. I refaxed everything for the 3rd time. I finally received a response that my loan modification has been approved, but first I must make 8 on time payments.

Oh, and by the way, instead of my usual payments of $2,500, the "trial" payments would be $4,100. I sent a letter to the corporate office letting them know if I'm having a hard time with $2,500 a month, how am I supposed to pay $4,100 a month.

I finally received a response that my cased was being handled by Gail. The letter said she would contact me back within 30 days. 30 days later, she sent a letter that she needs an additional 30 days. I received a letter on August 15, 2011, that said she will contact me within 15 days since she was waiting for documentation (internally). I've called her a few times and left voice mails, but she hasn't responded.

I just received a letter from Chase today that unless they received full payment, they will start foreclosure. Chase obviously isn't aware of the Homeowners Affordability and Stability Act. They are staffed with incompetent people. I'm sure a class action lawsuit is in their near future.

During this ordeal, the investor for my FHA mortgage went from Freddie Mac to Chase. I'm sure it's a move to make it easier for them to foreclose since Freddie Mac makes it extremely hard for banks to foreclose on FHA loans. I worked for Washington Mutual Mortgage and I've seen their scams many times. Chase has become the new Washington Mutual.

My house burned. I used my own funds to rebuild. I received an $80,000.00 check for settlement from my insurance with Chase on it. I signed the check. I forwarded it with instructions to apply it to the mortgage. They have a right to pay for repairs instead, but I waived that in writing since I paid it all out of pocket. They took the money and will not apply it to the loan. Instead, they have foreclosed on me.

I wrote to my State Attorney General's office in 1999 through 2000. I had one child with a near fatal motor vehicle injury. I had an injury too and needed surgery. My loan lapsed. I was offered a loan modification by Chase. I sent the funds that were required. The funds were sent back indicating I had a lien. It turns out the lien belonged to the builder. Chase refused to give me the loan modification back, and forced me into foreclosure proceedings. They subsequently forced me out of my home under foreclosure proceedings. I was forced to return the property. Witness another home owner who placed her home on the market, who got forced out. Chase refused to let her sell it (due to divorce). I ended up living in a homeless shelter.

I wrote to the Attorney General's office back then. I never got anywhere if there is a class action lawsuit out there. I want to be a part of it regardless of the years in difference. It was stated that the beginning of the mortgage crunch began when I lost my home. However, no one was listening because of the large banks and privilege. 5 yrs later and foreclosures are happening by a dozen a day. Thus, we have a mortgage crisis. All this happened in New York and in the Bronx, where the property was. You could not get an attorney to represent you.

I have two home mortgages with Chase Financial and in 9 years, I have never missed a payment. In July 2011, the payment I mailed did not arrive at Chase. My check register showed that I wrote the checks in question and made payments to other companies in the same mail which did arrive at their destination on time. I discovered that the July payment did not arrive at Chase when I received the August statement. I immediately wrote a replacement check and sent it in with the August payment, along with the late fees.

Chase now has ruined my credit with two current 30-day late payments; the credit that I have spent the last 20 years guarding and building. This action taken by Chase borderlines on criminal, in my opinion. These two derogatories on our credit report have taken us from a credit score of 800 to now being ineligible to obtain a home loan of any kind for at least 12 months, and several years to be eligible to obtain premium rates.

I am a realtor in Baton Rouge and I have been trying to negotiate a short sale for over nine months. My clients have provided all the necessary paperwork. In addition, we have an approved buyer for the property. I provided a CMA, preliminary HUD, Real Estate Listing Agreement, buyers approval letter and contract. A BPO was done on the property prior to Chase closing the file on June 29. More information was sent and I was told that the property was assigned to a negotiator named Kimmerly **. I have tried several times to speak with her but have yet to. It has been 20 days and she still has not called.

Several representatives sent emails to request that she call me back but no response. I was even given her supervisor's name, Keith **, but he has failed to call too. I don't understand why they would let this property be foreclosed when the sellers have done everything to keep the property in good condition and has provided all the paperwork. Chase has a fiduciary responsibility to its customers. I have never worked with a company that has poor service such as this. It's ridiculous. I don't think they are in the business of trying to help their customers. Its very frustrating. I intend to contact others and complain about this until we are heard. They are just sitting back and waiting on foreclosing this property.

I have been trying to get my mortgage modified since October 2008, until today August 25, 2011. I sent Chase Bank the documents through fax, email, and FedEx. For over 2 years 8 months, our mortgage is 26 payments behind. I have done modification on April 2009 thru August 2009. I was told that they will do the modification. My husband was unemployed during October 2008-November 2010. The next 3 months, he was employed again. Everyday, we called various state agencies. But we received no response from our governor, Delaware Office of the State of Bank Commissioner, and US Department of Treasury -- all these agencies that can help us resolve our case. Well, none was done to help us. My home is just here, but I didn't received any warnings, information or calls. I requested for my original documents to prove that they hold my mortgage, but still I got no response. I am not paying an attorney, and I am now looking for people to join me with a class action law suit against Chase Mortgages in Delaware. I want to file a large claim against them, and make Chase Mortgages pay back all they have taken from people. Come on, isn't it time to take Chase Bank down now?

Chase Mortgage refused to re-finance my house to a lower interest rate. This bank bail out is a joke. My mortgage is 5% and my equity loan is at 8%, so they should try to help since they are the holders of my loan. My husband left, and the bank is just waiting to foreclose since I have equity and they will make money. There has to be some recourse. Please let me know what branch of our government I can call to get some action on this situation

My grandparents owned a home at ** and the line holder is Chase. My grandparents had been paying the loan and the accidental death policy on this home for many years. My grandfather died in October 2009. We sent a certified copy of his death certificate to the bank and they took his name off of the loan. At that time, they changed the accidental policy for some reason. My brother and I fought with them to put it back on and they did so back in April 2011.

In November 2010, grandma also passed away. The home was left to my brother, Larry **. He left the account open for them to take the payments until they paid the house off with this insurance policy. They now have stopped taking the payment out and still won't pay the house off with the insurance policy. Now, they keep sending my brother foreclosure notices. We have tried many times to get this taken care of but no one wants to deal with us. We even got thrown out of Chase Bank on the 24th Street and on Thomas Road.

We need help because this bank is in the wrong and this home should have been paid for with the insurance policy. We even provided them with medical papers showing what caused the death. My brother doesn't have the money to pay for an attorney as he is a single dad just trying to make ends meet. Please help us fight this bank before they do take this home, in which they have no grounds, too, as it had the insurance policy to pay off upon death. Please help us!

My house was going into a foreclosure. Chase suggested that I try to sell the house and they told me that I could qualify for a program called HAFA. HAFA would give me $3,000.00 for moving expenses and I would be forgiven the difference of the loan to sale. I put the house up for sale and have received three offers; two of which were turned down.

I was told that the provisions for HAFA stated that it had to be my primary residence; it had been for four years. I kept getting foreclosure notices and other notices saying that the house was going to auction. I finally decided to pack everything and move. I couldn't deal with the roller coaster anymore. But I was told by a Chase representative that I could not move out. I had to stay in the house to qualify for HAFA. If not, they would sue me for the difference. I had closed my business due to low sales and was going to move to my mother's. I had saved up money to help with the move and support myself to go to school. But I had to use it to move on instead of sitting in an empty house. Everything had been put in storage.

After I moved to my mom's, they repeatedly made me sign forms to qualify for HAFA over and over again. After January 2011, I was told that I didn't have to live in the house anymore. HAFA provisions said that I just had to have lived there for 12 months. So, I left in January of 2011. It is now August and I have an offer on the house. However, they say that I don't qualify for HAFA because I can't prove that I lived there within 12 months before I left. They even had a man come by the house with a camera to prove I was there (so they had proof). They said that the only way for me to prove my residence was my bank statements with a street address. I had all my mail go to a P. O. Box so they wouldn't take anything else to prove I had lived there for 12 months after qualifying.

So, now, I don't get the $3,000.00. I spent over $5,000.00 sitting in the house because they said I couldn't leave. Now, they are just lying about my living there. $3,000.00 isn't much, but I was going to use it to go back to school and start my life over again. Other mortgage companies are offering 3 times the mortgage to move out and leave the house intact. I left the house with everything in it. I didn't remove the appliances, light fixtures and many other things I could have taken.

I was laid off from my position in October of 2008. In speaking with my mortgage company, Chase Manhattan, about options on being able to keep paying my mortgage payment; Chase suggested applying to the Loan Modification program. In April of 2009, I was able to find employment but my salary dropped 35% and Chase told us that we still qualified for the Modification program. So we submitted all requested financial documentation and applied for the program.

We waited and waited. Finally, we called to see what our status was. They said, they needed our financial paperwork again so we submitted it again. We called to follow up, we were denied. They said we didn't qualify. After inquiring as to why we were denied, we were told they made an error in our income calculation and they said they would process again. Of course, we needed to submit our financial records again. After 14 months, we received a letter stating that we are now being placed into a trial period and were asked to make payments that we're a little over $100 less then our normal mortgage payment (please note: we have never been late on our mortgage payments even after being laid off). We made all 4 trial period payments on time.

After 19 months and we were still in the process of getting a loan modification. Throughout this entire process, we have had to send in our financial information numerous times. After we completed the trial period, they asked for this information again. Why? Both my wife and I decided that this was a never-ending, painstaking process and we called Chase and asked if we could simply refinance due to the rates being so low. They said we cannot because they showed us having 6 months of late mortgage payments, huh? We've never missed a mortgage payment, ever! We then were told that our trial period payments were not applied to the loan but placed in an account. Why on earth would they do that and WHY did they not explain this us. We would have NEVER agreed to such a ludicrous program.

The result was that we now have bad credit, no relief on our loan and no way to get out of this mess! How in the world can anyone call this the Making Your Home Affordable program? What a joke! All this program did was ruin a good borrower. After 22 months, Chase sent a letter stating they have repaired my credit report and said our modification was in underwriting. At 24 months, Chase said we're in closing and that final papers would be sent out shortly and not to make a payment. We were told not to make a payment for 4 months. We were also told the terms of our new modification loan.

After 28 months, Chase called us and denied us! WHAT? We were told we were approved over the last 4 months! What a crock and scam this company is. Now they claim I owe over $10k. I want all of our records of ever being in a modification reversed, my credit restored and Chase to pay for what they've done. I can't even refinance now that I'm locked in Modification status. People wonder why the economy is in the toilet. It's due to ** at Chase and other mortgage companies.

My mortgage used to be with TD Bank, but they sold to Chase many years ago. I applied after my husband and I bought the house for Loan Modification when my husband became very ill and he couldn't work any more at all. I faxed all the paperwork and three months after, the modification was denied because they said that I didn't submit all the requirements.

On August 5, 2011, I applied for HAUP. I went to the internet and checked the requirement, and I do qualify for HAUP. Today, I received a letter saying that I applied for HAMP and we were ineligible. I had spoked with Kandra and Patricia ** and I had explained to Patricia that I didn't apply for HAMP. We do have good credit even we were in financial hardships. We always paid the mortgage on time. But if we do qualify for a program and we're not informed that we do qualify, I will use all of the right to talk and follow up this matter. I felt discriminated from this bank. This is not an excellent customer service and support either. I had worked in a bank for more than 10 years so I have knowledge about it.

After losing my job 2 1/2 years ago, I contacted them twice for loan modification, and I was rejected (this was through WaMu and Chase home office). Then, I got a call from Hayward office, about 2 months ago, that I was already approved by Genni ** and the HUD program. I was very suspicious, so I asked them what I should bring to our meeting, and Andre told me, "You don't need to bring anything. Even with bad credit score and no job, you are already approved because Genni ** likes you." So, I went through the process.

They made me open a checking account with $25 and asked me to deposit more, once the loan is approved, and maintain a $2,000 balance that would earn money toward my principal every year. I got the account and ATM card, but I did not deposit more than $25 yet. They also charged me $395 for underwriter fee that I paid them. Usually, this is part of closing cost, and I got suspicious.

Anyway, after a couple of weeks, Andre called me and told me that there is an issue with a late payment on my current home loan, which I was aware of and that's why I had asked him about credit score in the first place. He asked me to drop a note to him saying that the reason why I was late was that I was sick. I did send him the email. (I have a copy of that). Also, the late payment was paid in full, including all late fee charges and my credit score is already above 750.

He got back to me last Thursday, while I was on vacation, and told me that they did not approve my loan and the only way was to go with full dock and appraisal. Obviously, with current home prices, this was not going to happen and I felt it's a trap for some other fees down the road, so I asked for a refund on my $395 and he said it's not refundable. I reminded him of our conversation about the credit score and he was not able to give me a convincing answer. I closed my account and walked out of Chase, telling them how the banks are up to their old tricks - taking money from working people in the economy.

I would have selected 0, but it is not an option.

I separated from my husband in 2008 and he lived in the house that we bought; however, he fell behind in payments. So in 2010, I began trying to work with Chase to get the house sold as a short sale. Irena ** is the assigned negotiator and has been very incompetent from the beginning. The realtor, James and myself have to fax things to her at least three times before she can find it. I have called her several times and never received a call unless I get someone else at Chase to send her supervisor a notice.

We have had several offers on the house; however, due to her incompetent nature, most of the potential buyers do not want to wait and move on. In July, Irena asked for one last thinga signed extension for the closing of the property to be August 30. This buyer has cash, wants to buy the house and has been waiting for at least three months now. I called again on Monday, August 15, to get the status. Of course, she does not answer or call me back.

Today, August 18, I talked to someone from Chase and he said that based on his notes, the application was declined on August 11. I just want to sell the house but because Chase gets tax benefits from foreclosures, it seems that they are doing everything they can to get the house go into foreclosure.

I have been trying to get the house sold since October 2010 and I have had nothing but problems with Chase. I now understand why the government stopped Chase from putting homes in foreclosure status in 2009. Based on the comments on this site, it seems that this type of behavior is common practice for Chase. I have asked Chase where I can file complaints and I am not sure where I can send this information to get Chase investigated. So, any help you can provide would be greatly appreciated.

I purchased my home in September 2009 and the mortgage was sold to Chase in early 2010. In April 2010, Chase sent me escrow "credit" check of $800. I called Chase asking what the credit check entailed and if accepting the check would place me in any kind of financial deficit. I was advised by Chase that my account was in good standing and the check was a credit from closing.

I received the first escrow analysis in May 2011 describing the mortgage payment increase from $1,121 to $1,472. I was outraged. I was never late on payments and was on the phone with Chase immediately. Chase only paid $119 to my escrow account for annual insurance premium and I was then advised over the phone that my escrow account was in a deficit of $2,800.

I told Chase I could not afford the increase; I simply do not make enough income to cover my mortgage. They spread the shortage out over four years, which brought my payment to $1,307. I was able to make one last payment in June 2011 of $1,307 and am now late on my payments.

I received a second escrow analysis in July 2011 detailing my mortgage was being raised from $1,307 to $1,492. I listed my house for sale in July and am now pursuing a short sale since I cannot make my monthly mortgage payments.

I have tried to get a loan modification since 2008. Each time, my paperwork gets lost or I have to call the main number and get someone who knows nothing. I am usually on the phone for at least two hours, transferred up to five times, and never get any answers. Then I got a letter telling me that the application is old and the file closed so I have to start over again.

I was awarded an unfair interest and I do not have income to qualify for it. I have used my life savings to stay up to date on the payments. I can't refinance due to my income and credit.

I have been trying to get a loan modification from Chase for 14 months when my husband moved out of the home, leaving me to pay all of the bills. My income wasn't enough to cover household bills and the mortgage, and I am facing a hardship.

I had a very difficult time getting knowledgeable people to assist me, and it took me "forever" to get my file into the underwriting department. I contacted Chase several times throughout this process and spoke to different representatives who would tell me different things were needed every time I called. It was really frustrating, but I got my file to underwriting after about six months and I was already getting foreclosure notices.

I was denied for modification and was told to submit another packet, so I did. My file went to underwriting, and my house was damaged in the April 2011 NC tornadoes. My file was somehow closed, but no one could tell me why it was closed. I had regular contact with Sylvia prior to the storm, but none afterwards although I called her several times and left messages. I ended up talking to Sylvia's supervisor, who reopened my file. I called to check on the modification and was told that it was denied. I haven't received any notices about the denial, except for a foreclosure sale date notice today. I called and talked to representative Martha, who told me that the modification hadn't been fully denied yet.

I guess no one there really knows anything or cares to know anything except that my home is going to be sold in a foreclosure sale on 9/7/11. I am out of options and am running out of time. Chase has not treated me fairly and has strung me along to foreclose on my property.

We refinanced from Chase Mortgage in Nov. 2010. I called twice and asked when we were going to get a mortgage release from them. I was told it takes 30 days. It has been over 8 months and we still don't have it! Loan # **

I took out a loan in 2007 with Chase Home mortgage to build a spec home. The bottom dropped out and I got caught in the middle of this housing crisis. I tried for over 2 years to get a mod. They ran me around in circles. I finally sold my home for a fraction of what it was worth and paid them off. They hit me with back payments and fees galore, and would not negotiate at all with me. That property was my farm and was totally paid off prior to the loan. They were only supposed to put a lien on 20 acres but I found out later they put the lien on the entire 100 acres. I have lost everything dealing with Chase.

In 2007, some loan lenders approached me with a mortgage loan refinance offer I could not turn down. According to them, my house appraised for $407,000.00 and I could refinance at $315,000.00 leaving equity of $92,000.00 with a monthly payment that is affordable. This loan was processed through Washington Mutual but at a high adjustable interest rate (but I don't understand the implications). Sometime in 2008, it was becoming difficult to pay the mortgage due to some family and financial issues I faced. I therefore consulted a financial counselor to see what my options were. I have already missed some payments and my counselor advised me to apply for loan modification to help me through the rough times. The modification was approved at a lower interest rate but the principal mortgage amount increased from $315,000.00 to $342,000.00, also at an adjustable rate and for two years I made these payments without any problem.

Around July of 2010, I was going through my documents one day to see when my loan would adjust and I realized that the modified loan has a balloon part to it at the end of 40 years. I went back to my counselor who advised me again to apply for another modification but this time, without balloon and in addition, we asked for a reduction of the principal mortgage amount because the house value has decreased tremendously. We started this process in July of 2010 and shortly after, I was told to start making a trial payment of $846.20 and I made this payment consistently for some months. One day around November 2010, I went online to pay my mortgage as usual only to realize that the amount has changed from $846.20 to $1,554.00 without warning or any written notice from Chase as to why my mortgage payment has changed. When contacted, Chase said this was as a result of the adjustable modification loan I got in 2008 which adjusted.

My counselor helped me apply for another modification again and it has been a roller coaster ever since. I have been denied up to four times for various reasons, most of which, include "not receiving the documents sent" (documents were sent over and over again either by fax or email). I have spoken to different representatives of Chase but whenever I called back, there would be no record of who I spoke with or what was discussed. This was so frustrating and I would have given up if not for the encouragement of my counselor.

Finally in April 2011, I received a call from Ann ** telling me she is my modification contact representative and she requested that I sign the Dodd-Frank Certification paper and fax this to her with some financial documents. I promptly comply but again, as always, no response. I called back and Ann claimed that the documents were not received. After series of faxing back and forth, she finally sent me a three-month trial package paying $1,662.00 beginning June 1, 2011 at the completion of which a final modification would be sent me.

Today August 11, 2011, I received this package in the mail and to my disappointment, the so-called modification terms are worst than anything I ever had and was struggling to pay. This modified loan has two parts to it; the first part contained the unpaid principal balance which would adjust as follows: $342,000 plus interest and other charges totaling $346,336.96 at 2% interest rate for the first 5 years, making principal, interest and escrow monthly payment $1,592.41. The interest would adjust one point yearly from the sixth year to eight year and would stabilize at this rate until the 40th year. The second part of this modified loan is called the deferred principal balance of $75,000.00 which "will be due on the maturity date plus any other amounts still owed under the loan documents" (not specified).

I had been working with Chase for over a year on a loan modification only to find out from Chase that I did not make enough money to qualify! Isn't that why I requested a loan mod, because my income has reduced?! Wow!

This is just part two of my complaint. I originally went to the Santa Ana office and spoke with a Zachary **. It seemed to go well and Mr. ** seemed sympathetic and seemed to want to help. While in the office, I had left several months of original bank statements that I really would have preferred Mr. ** to copy. He assured me that he would mail the originals back to me. Of course, I didn't hear back from Mr. ** nor did I receive my statements back. I could never reach Mr. ** but heard from several others.

In the meantime, I finally had to file bankruptcy but still wanted to reinstate my mortgage debt. Well, this changed my status with the Santa Ana office and my Chase file was with another division to start the process all over. When I finally reached Mr. **, he informed me that he had thrown out all my statements like yesterday's garbage! I was appalled not only by fact that he just threw them out and did not mail back as promised but by his cavalier attitude about it.

I spoke with his manager Art ** and he had promised to at least send duplicates back. I had contacted Mr. ** several times afterwards since January and received empty promises. To this date I have received nothing. Apparently, the tone and behavior came from the top! So now I have no loan mod, no bank/misc documents, and may be facing foreclosure soon! Way to go Chase!

I am looking for individuals to join me in a potential class action lawsuit against Chase Bank for violating my home owner rights and failing to follow Home Affordable Modification Program (HAMP) guidelines.

If you were approved for the trial period, live in New York, made all of your scheduled payments on time, and then denied for a modification, please contact me.

I had a home mortgage with Chase Mortgage. I sold my home and the entire loan balance was paid off by certified check, which was Fedexed to Chase.

On 8/1/11, 7:57 a.m., a Chase representative signed for the delivery of my payoff. It is now 8/11/11 and Chase has not posted the payment to my account and claims they can't find it. They have also shut down my online access. I have been told several times that Chase will "get right back to me with information" or that the payoff will be posted by midnight of the latest day I called. And still no payoff. This is not a short sale; all payoff demand amount were paid in full but Chase seems to not want to have this loan paid off.

How do I find a governing body with whom I can file a charge? I would never recommend Chase Mortgage to anyone looking for a loan. It has been a bad experience since the very first.

In May of 2010, we received information from Chase stating we may be eligible for a modification. We sent in the paperwork as requested. I then called Chase to make sure they received it. I was told they had and would be reviewing the information and calculating a payment.

I called Chase a couple of times a week for nearly a year asking how much I should pay. They kept telling me it was still being reviewed. During this time, a guy named Kevin from Chase told me I shouldn't make payments during the process because every time I sent a payment, they would need to start the calculations all over again based on our balance and it would take longer. I trusted them and assumed they must put some kind of hold on your account or something during this process. Every time I called to ask, they told me everything was in order, all my requested paperwork had been received, it was just still in line to be reviewed, and that they were just backed up with so many.

In all my phone calls, I specifically asked how much to pay and they told me they didn't know yet and never once asked me for a payment of any kind. You never get the same person twice, I had even asked others if Kevin's statement was correct and they agreed with what I had been told.

This past February, I called once more and was told my mortgage was extremely late and it had a foreclosure status since I hadn't made payments. I stressed my anger and explained what I was told originally about not making payments to four different Chase representatives the day I found this out. The response I got was that even though I was told not to make payments, I should have mailed them in anyway and that it was my fault I hadn't mailed them so it wasn't their problem.

I was told I needed to pay 7000 in full to keep my home. With them reporting non payments to the credit bureaus, I was unable to come up with the money. We had to file chapter 13 to keep our home. We could afford the monthly payment, just couldn't afford to catch it up all at once.

I wish I hadn't let the opportunity for a lower payment entice me into applying for the modification in the first place. This has taken a mental toll on my husband and I. I haven't slept well in the last six months, worrying about losing our home and being destroyed by bankruptcy being our only option. We are so embarrassed to be in this position when we can afford our mortgage payment.

I applied for a chase loan modification before I was behind in my mortgage. Chase kept stringing me along for 2 years, approved my trial loan modification, then told me I needed to apply again. I finally sold my house on my own, and paid off my mortgage. I was charged almost 50k in late charges and back payments. I feel as if I have been duped!

Terrible - I was infomred by chase that I am 10 months behind on my mortgage. I am not. Every payment was made via MoneyGram Express Payment. Chase returned every payment totaling over $9000.All monies are at moneygram. I provided receipts still no one resolution. Chase wants me to send monies to them but dont want to fix my credit. That is unacceptable.

They over-funded escrow, showed me having a lower payment (Almost $100 lower), then, 2 weeks later, put my parcel number on the account 2 times, once with a dash 01, and doubled my estimate, so sent me a notice uping the amount owed by over $200 from privious amount.

Staff un-intelligable. It took 6 months of my branch manager's faxing and calls to correct 1st parcel error. Correction only lasted 2 weeks before it was messed up again.

I asked to miss a house payment but still pay the interest and escrow money and they said no. The thing is, I will be paying my house off on 11/12 and it isn't really to be paid off until 11/13, yet they wouldn't work with me. They just said I would have late fees and other fees if I skip a payment.

Something else, they also miscalculated my escrow account every year and I even told them it was way off at the beginning. So I added a few dollars a month so as not to hit me too hard.

I have had some hardship in the last month with hospital and health and can't believe I couldn't get help through them. I have only been late once with a house payment during this loan and it was because I was in the hospital and very sick.

I am an existing customer of Chase and inadvertently missed my payment in July. I realized it when I was making my August payment and immediately made both payments, and called Chase customer service to advise them.

I received the rudest treatment from their customer service rep, including very inappropriate questions such as: What is the source of your income? What is the condition of your home? On and on. The person with whom I spoke was so rude that I ended up hanging up and calling back to speak to a supervisor.

With a credit score of 817, plenty of money in the bank, and no previous late payments, I have begun the process of refinancing with another institution. I will never do business with Chase again and would not have done so this time had my loan not been sold to them. My mortgage broker is handling the new loan with the provision that it must be held in-house and cannot be "sold" to Chase. I have been a customer of Bank of America for years, and have been treated professionally and courteously forever. Do not use Chase.

We had such a terrible experience in getting our mortgage through Chase. We are first time home owners and found a place for us to settle in Westport, CT. It was a new development that we were looking at and Chase offered us the best rate on our mortgage, so we decided to go them.

What a mistake! They had 5 different people working on our loan. 2 different people in 2 different NYC offices, a person in Long Island, a person in Iowa and the loan manager in NJ a real cohesive unit. We came to an agreement with the seller and scheduled our closing date, which Chase insured us they would have our file completed in time.

Needless to say, they did not have our file completed by the closing date. At the time, we were living on the Upper East Side of NYC and had set up the closing date to coincide with the end of our apartment lease. Chase delayed our closing because they could not get approval on our PMI, which they insured us that first, would not be a problem in getting us approved and second, would only take a couple of days to be approved.

Chase sent me my commitment letter on Feb 10, 2011 and still did not have the file completed by March 4, 2011, our original closing date. Chase actually told us to go up to our closing on March 4, 2011, in CT, and they would have our file done by time we got up there. I sat in my car up in CT for 6 hours waiting for an approval that never came. I then took off of work the next 2 days to sit in the Chase office trying to get my file completed so I could close on my house and get out of my apartment, which I was now living in past my lease date. I was incurring additional charges with my landlord because Chase loan officers have no idea what they're doing. The back and forth went on for 2 weeks. They couldn't get me approved for PMI at the end of the day.

I had to empty out my life savings, received a gift from my family and had to take out a loan against our 401K to get enough money to put down the 20% down payment and have enough money in reserves to close our file. You might say well, I could have walked away from the deal, but unfortunately, we could not. I had already put a $5,000 deposit on the place and that would have been lost since the terms of our agreement with the seller was that once a commitment letter was received from Chase, our agreement was binding. And that when we and the seller received the commitment letter, a 10% down payment was required to be paid by us roughly around $55,000.

In addition to this nightmare, I had to cancel my movers, had to take additional days off of work (on top of what I already had to take off to deal with Chase) and owed my landlord an additional 2 weeks rent. Simply ridiculous! When I went to Chase (2 weeks after my original date) finally after my file had closed to receive our bank checks to conduct the closing, I obviously had a ton of complaints for them and the way they handled our file. Chase promised us that they would pick up the additional costs (i.e. additional rent, movers cancellation fee, last minute movers additional charge, etc. we incurred in the delayed closing).

I've been following up with our loan officer since March and he returned my calls at first saying they were working on getting my compensation approved, but now I don't even get a callback. Nice service! It's simply ridiculous that people are treated this way and there is nothing in place for the common person like myself to do anything about it.

I currently have my home loan thru Chase. I was contacted by them about a government program (HARP) to help people lower their interest rate so that they would not default on their loan. I have always made my payments in a timely manner!

The offer was 5% interest for 30 yr. so we proceeded. We were told that we were automatically accepted into the program, because we make our payments and we have good credit.

We were given a good faith estimate of $133,850. We were told it would only cost us $395.00 out of pocket to do this loan.

We were also told that I had to open a Chase checking account with direct deposit, in order to do this loan. I did that too. As soon as my first deposit was made, the $395.00 was withdrawn from my account. I was also told by Tyon that I could skip June and July house payments, because we were already exempted and we would close on June 24th.

Of course, this did not happen. So therefore, I had to come up with the house payment. We are going to close on July 6th, so we should skip July and August payments. Of course, we did not close again.

By the way, we were not informed until 15 min. before closing that there was not going to be a closing. So it was then set up for July 14th at 9:00am. My husband and I showed up at the bank. No one was there for the closing!

We then asked to speak to Sam **, who is Tyon's boss. We spoke to him on speaker phone with Tyon. We told him then that we were not going to proceed with this loan. (There were other factors that played into that decision, such as the loan amount now was $136,850 and 5 and a quarter %.)

Sam then apologized and said that he was going to refund our $395.00. Here we are into August and still no refund!

Chase bank has a bunch of liars working for them and I will never do business with them again. If I could get my house refinanced elsewhere I will!

For the last three weeks since 7/14/2011 I was suppose to be on a repayment plan with chase home finance. I was told all the details of this plan and what would be my monthly payments and my down payment and due dates. I was told the paper work would be sent to me in the mail. Well that never happen and when I call back they stated that they would escalate it to a manager and resend out the paperwork. Well that never happen either. I have called Chase if not everyday, every other day. I never get to talk to the same person, I am told different information every single time I call, they don't keep accurate phone records. It seems like they try and delay the process, they give false pretense and say we will take care of it and I am fine but thats not the case. I am told to send the money in and I do that and then turn around and they say they have sent it back because they see know plan when I was told there was a plan.

I have expressed my concerns and frustrations to every representive only to hear no resolution. In the mean time I am the faced with a foreclosure which I am trying to prevent but they try to prolong it so that I do head down that road. I can never speak to a manager. My money is floating out in space with western union. There systems has not cleared for them to do a new one yet. Told to call back in a couple of days. I really don't understand why the customer has to go through so much when clearly I have called and documented every person I have talk to. They say trust them and it is our goal to keep you in your home. I was never initally sent any paperwork about forclosure until I tried to pay my payments and was told over the phone and that I should be receiveing something in the mail and told me to call lawyers.

I did that and then One rep stated that I should have been able to make a payment, the next rep says something different. foreclosure was set after I call which I could have made my payments without any lawyer fees. It goes on and on and on and I think this is ridiculous. It has to be a solution to the madness. Please help.

I have been dealing with a Chase Mortgage since 2003.

I had bought my daughter a home, and she was making payments on the home. It is a land/home package, and her name is on the deed for the land/home--just not the loan. So, I had to go through Chase, and add her as a point of contact concerning the loan/payments.

Anyway, my daughter had a cut in hours at her job in 2007, and fell behind on the payments. We both tried to contact chase to help with catching up the payments. We applied for a loan modification. This was in 2007! We have sent in all paperwork as instructed; so many times and I have lost count. Each time we were denied for a modification because we "failed to send in required documents".

Today, August 1, 2011, I was still waiting to hear something back from Chase about a deed turn in that I requested.

When I called to see what was going on, I was informed that my daughter's home was going up for foreclosure in the morning at the courthouse at 11 AM.

Now, my daughter and her kids will be thrown out in the streets because of Chase Mortgage and their shady practices! When is someone going to step in, and do something?

How many more people have to lose their homes to these crooks before something is done?

Someone please, help! We don't know what else to do!

I have been dealing with Chase trying to get a loan modification since January 2011. I have had the same results as the other folks complaining which is no results. Just keep sending paperwork over and over again. Is there anybody we can complain to get some closure on this process? I'm ready to give up which is what Chase wants me to do.

I applied at Chase for a loan modification because I fell behind on my payments due to a federal tax issue and my checks were garnished. I applied for a modification and got the biggest run around from Chase.

I had to send my paperwork for about four times. I never was able to talk to the same individual. I requested that my mortgage and home equity loan be rolled in together. After about two years of back and forth, I was congratulated on my loan modification, which raised my original loan by $600 a month and extended the loan by starting it over from the beginning with a new 360 months to pay. The home equity loan was not addressed because during the two years that this process took, that loan went into default.

I have no idea how they claim that these loan modifications are designed to help the homeowner. They are actually designed to drown you in debt from which there is no recovery.

I was behind on my home equity loan. They received my check one day late, and put me into the foreclosure department. Now they expect me to pay $1700.00 for attorney fees or get foreclosed on. They said it couldn't have taken two weeks for the mail to get them my check. So, they sent it back to me. It took almost three weeks for me to get it back.

In 2008 filed for bankruptcy. My mortgage at the time was from First Horizon Mortgage Corporation, and it was sold to Chase Mortgage. Since it was with Chase in 2008, I have never been late or missed any payment. Chase keeps on telling us that they reported to all credit bureaus. Trans Union is not reporting my loan, but reported it as settled by the grantor. This loan is continuing; it is not settled by the grantor, and it should be reported as paid on time. I just received another letter from Chase telling me it is up to the credit bureau to report or not. This is hurting our rebuilding of trust and credit.

In 2008, we could not make our payments; so, Chase started foreclosure. In January 2009, I asked the attorney for Chase how much it would take to stop the foreclosure. They sent me an email on Friday; I got it after 5 PM, and it stated $5,600.00. It said the offer is only good for 24 hours. I called Chase and told them I could not come up with that much money in 24 hours, and they told me not to send any of it unless I had it all.

On Tuesday morning, my husband went to the bank and got a cashier's check. He took it to the post office and sent it via express mail. Chase had it the next morning. For about 2 1/2 weeks, Chase kept telling me when I called about every other day that they could not see where they received the money. Finally, they told me that they were sending it back because I was $800 short, as I did not send enough money. The $800 was for attorney fees they claimed.

Around the end of February, Chase called and said they would do a modification. I was to send $2100, and on the 1st of each month starting with April, I was to send $600. I sent $600 the 1st of April and May. By the end of May, Chase called and told me the modification had been denied. So, I needed to send $694.40 each month until the modification went through, and I did. The week before Thanksgiving, I got a packet stating that our loan payment would be $741.89 and additional $133.03 for taxes and insurance for a total of $874.92. The payment had only been $681.20. It was like we had to sign it or else, and we did not have time to consult anyone on the matter. Our interest rate did not go down either.

I applied for a loan modification. I sent the papers required three to four times, and they said they never received them. Now they want more paperwork. I just get a runaround, and I get harassed by debt calls every day.

I have been on a home modification with Chase Bank for the past 2.5 years. This past February, I started a home modification trial period, which would start from February to April. I made my last payment in April of this year, and every time that I called to make my payment, they would usually verify the last four of my banking account number, except for this time they asked for my routing number along with my bank account number. They read it back to me to verify that it is correct. I thought that everything was okay.

Well, after 3 days, I noticed that they haven't taken the money out of my account so I called Chase Bank. They said that they have received the funds and everything looks fine, and I should hear from them very soon concerning my new modification. But when I called back the second time, because the funds were not taken out of my account, they said that the bank rejected the withdrawal. After going back and forth with Chase Bank and after their investigation, they said that the routing number was correct but my bank account number was incorrect. The last number of my bank account number was off by one number. They told me that there was nothing that they could do except to try to escalate the issue. I was denied. They said that I would have to pay back the payment that I owe or face foreclosure.

My husband and I have a loan that was bought out by Chase. Three years ago my husband suddenly passed away. We had been paying for additional death coverage, come to find out it was for accidental death. My husband's death does not fall under accidental. I contacted Chase at the time of his death, was told to send a death certificate. I provided them with this. I never heard anything from them until I received a forclosure letter. I contact them and started a loan remodification. I have sent paperwork in more times then I can count, they say they never received them. They have also claimed that they have sent me paper work that I have never received.

I have bent over backwards for these people. My modification was denied again, Chase wants $11,000 and they are sending out a forclosure letter after I receive it I have thirty days to vacate. I have a very small income from social security and husband pension. I do not have enough money to survive now. I do not want to lose my home, which I raised my family in. I am still grieving the lose of my husband and now to have this worry. I feel that Chase is taking advantage of a grieving widow, who is disabled. In my oppinion they are a bunch of crooks and something needs to be done about them. Can someone please help me to save my home. Any help in this matter will certainly be appreciated. Thank you for your time.

I have tried 4 times to get my loan modified through Chase. I purchase my property in October 2005, I put down over $185,000. At the time of the closign the lender was Washington Mutual, I was pushed into a loan that would as they stated "be beneficial to me and allow me to make the payments as I chose" . I was suckered into this loan where the first year the payment was not enough to pay the interest. That's were my nightmare begins. Now almost 6 years later I am still trying to get a loan that conforms to my income, while still making payments that are manageable. I have had three different loan modifications turned down for the following reasons.

3. There are no programs in Chase that conform to our loan requirements (third attempt) The last one I can't even understand.

Now we have been instructed to put our application thru "Champ" Chase's inhouse loan modification program- which I cannot get any guidelines to, explanation of , or what their requirements are. I did get asked if I would pay for an appraisal? I said no,

I asked what the appraisal value of the house had to do with the modification, where they going to create a plan base on the value of the property. I always thought that the loan modification was based on the loan amount, term of the loan and the income and expenses of the borrower. What part of that formula was the value of the home part of?

I have sent them information on closed sales prices for other properties in the community, sent them information from the county's property appraisers office, sent them sales information on existing homes on the market. I don't know what games they are playing but they are doing everything possible to just waste time and allow more late fees, unpaid interest to accumulate on the loan. They have even gone ahead and paid my insurance premium for a year, without there being an escrow account set up for insurance.

The insurance has been paid by me directly to the carrier from the inseption of the loan. If they were willing to drop their interest rate to 4% from 6% that would be the end of this headache. That is all that needs to be done. I have sent them chart after loan chart of sammple amortization tables that show the payments of interest and principal at the different interest rates. What is their logic of just tying up a borrower with endless paper work. Now we have been with underwriting under CHAMP since June, two seperated sets of financials have been sent to the underwriter, as of last week Wednesday another set of more current bank statments were sent, they tell me another 30 days. The time just keeps going with no end in sight.

My husband and I applied for a loan modification almost two years ago. We have been denied four times and yesterday, July 11, made the fifth time. We were denied for not having all our necessary paperwork in. I have hired a mortgage specialist who deals with Chase for us, since I no longer can handle their shady business ways. He called and spoke with a representative at Chase Bank. He went over our fax timeline with her and together, they found that all our paperwork was sent in as asked. My complaint against this bank is they do not pay attention to what is in a customer's file. I am tired of being strung along for years, because I feel they just don't want to help anyone. I am tired of them "playing dumb." My husband and I make a good living and can afford a responsible mortgage. Why won't they work with us?

I am seeking help and was referred to you by a friend whom you assisted. Bank of America is the investor on my loan and Chase is the processor. I have talked to other happy customers who have been presented some great terms reducing their payments. I am able to, and want to pay what I owe. I am desperate to stay in my house, but just need my payment to be at or below $3,500/month. I know there are many types of loans out there, other modifications have been done. Please help me.

In 2008, my husband took a substantial cut in pay; and due to the unemployment rate, lost my job as a recruiter. I was interviewed by a HUD agent and was pre-qualified for a modification (H4H) at the time. I applied for a modification through Chase back in 2008. No progress was made for over a year. Finally when we ran out of savings and had a 401K loan money, we missed our first payment. At that time, 2010, they placed us on a trial payment of $2,760 (our current loan is $3,760). I was told that if we made that payment successfully for 3 months, we would move forward to the final stages of the modification and would get a new loan payment at or around that amount. In good faith, I made that payment for 1 year.

All along, I was going $1K behind in payments and being reported to the credit bureau. They kept telling me loan documents were on the way and twice, I was even given a start date for my new payments. Toward the end of this, I was blessed enough to find a new job. However, the new job is only paying me $25K a year, more than what I was making on unemployment. Finally, in December 2010, I received a loan proposal and the new payment was not only higher than the trial payment amount, but it was higher than my current payment by almost $1K. If I was otherwise eligible for the trial amount, they would not have even proposed it. Then why were they coming back with a payment of almost $2K more? This does not make sense. The extra $25K a year I was making could not have justified my payment increasing $2K a month.

I disputed this amount explaining that we could not afford it. I re-applied and they again came back with a proposed payment of $4,500/ month. The house is worth $300K; my loan is $600K. Financially, it doesn't make sense to keep me in the home, paying interest rather than take the loss. The houses in my neighborhood have been sitting for years, accruing penalties from the city for not being maintained. You can avoid all that by keeping me in the house, paying. I can pay. I want to pay; I just can't make a payment in the $4k range. In writing, and verbally, I have explained that I can make a higher payment for the trial since I am now working, but can not pay the amount they are proposing. I have asked for the interest and/or terms to be re-evaluated to reduce the payment but they refuse to work with me.

We have been in our home for 10 years as the original owners. We have both been in our fields for over 15 years and are very hardworking citizens. We want to do the right thing and pay what we owe. We are not asking the bank to forgive any of the money we owe; we are simply asking them to come up with a payment lower than $3,500 / month. They will not work with us and seem more interested in foreclosure then negotiation. What programs are in-place that make the banks more eager to foreclose than work with the homeowners? They must be compensated somehow for foreclosing or they would be working with people. Please help me and my family stay in our home. We were sent a letter recently that stated we have 2 weeks to determine if we are going to foreclose or short sale. They are not working with us and not even giving me a payback option. Sincerely, Raquel ** Tel: ** Chase Loan/ BofA Investor

I purchased my home in May 2008 from Chase Mortgages, using the branch in Munster, Indiana on Ridge Road. I was working with their mortgage agent named Mario. Mario is a Chase Mortgage under-writer who did not meet myself or my fiance once. All documents regarding our credit, employment and status were scanned, faxed or emailed to him as he works out of another office in Northwest Indiana and not out of their Ridge Road office, and chose not to take the liberty to meet his potential clients as well as the bank's. He received a healthy commission. We had to send most documents 2 or 3 times as they were always being misplaced.

On the day of closing, we were informed that the JP Morgan Chase Branch at Six Corners in Chicago had misplaced and not documented the down payment check we had given. The Branch in Munster, Indiana would not take the confirmation code we had given them. This sum was over 10% of the purchase price of our home. They chose to ignore their clients. The Chase bank at 545 Ridge road in Munster, Indiana could not locate a faxed verification; they would not take the confirmation code. We had to wait to close on our home. We both had taken a day off work, paid for the roof to be fixed at our expense, and Mario nor any staff at Munster would help. Neither the branch, its representatives, or any member called to apologize after we were told that the faxed receipt was left on a desk, and that we had the right to close on our house. Instead, we had to take another day off work and hope that we could close.

As we were driving to close on the house, we were again phoned; Mario had not forwarded the proper documents and that we could not close. While waiting at the realtors office in Munster for 40 minutes, we again were informed that the emailed documents were found. These were emailed by myself that morning. In June, July and August of 2009, due to a mix up on their systems, Chase Bank actually withdrew my mortgage twice in a month. So over 3 Months, their computer took out 6 mortgage payments. This was fixed; and I was told to pay by another method, which I do automatically every month. While we were upset that Chase bank chose to take these illegal payments from our account, we called their office. After 2 hours, the problem was resolved.

In January of 2011, Chase Bank informed us that escrow payments would go up as they had miscalculated. I attempted to pay through their online system but their online mortgage system would not let me. Late bank fees were added and I asked the representative in April of 2011 how to fix the issues. I was told it would be resolved and it was their error. I was told I did not have to do anything else. In April 2011, the bank issued a foreclosure notice on my house stating that I was in default. I was shocked that a bank which had received 28 Billion dollars in bail-out money last 2009 could be so bad with managing money. My account shows that the bank takes out money and applies it to nothing. I asked to have this fixed, as I was assured in May 2011 it would be, if I paid late fees.

I paid the amount and my account showed that my next payment is due on 03/01/11. Again, I was behind but had done what the Chase banking team had told me to do, including paying late fees that were added to my account. Their mortgage specialist on the phone, a member of the Muster branch, told me I was in default. I explained the situation and he again said, "Sir, you are delinquent." I asked him to look at the bank's Misapplication Redirections. He said "You got your money in the bank." I asked, "Where?" He responded, "I don't know." He then told me I had to pay late fees as according to his screen, I am delinquent; and that's all he sees. Is this Chase Bank customer service? I have spoken to "supervisors" from the Philippines, India, Canada, USA and the only response that I get is ''Wow. This is complicated. I will have someone call you about this.'' I cannot get this issue fixed from Chase.

It only took 6 weeks and Chase turned me down for a modification again. This time I got really angry and emailed them my x-rays of my shattered femur and a angry letter. I gave up and paid my mortgage each month, paid up the back payments too.

About 5 months later I received a call from someone saying they were from Chase and that Chase wanted to give me a loan modification. I told this guy I didn't believe him. That Chase was full of liars and thieves, I hung up on him. The next day a woman called saying she was from Chase and that it was true Chase wanted to give me a loan modification and they were sorry about turning me down before and that I should have gotten the modification because I was exactly the type of person who should be getting a modification. BS. They sent the paper work for me to sign and I did and have been faithfully making their payments every month right on time. What these SOB's didn't tell me was that if I excepted their modification Chase would screw up my credit so that I couldn't get a loan on anything. I've been paying on the modification for nearly a year. I've tried to refinance my house can't do it because Chase has put a black mark on my credit history.

My mother left my brother and I a piece of property and we can't get a mortgage on it because I have a black mark on my credit from Chase. If I sell my house I can't buy another one because Chase has f....up my credit. I've called Chase and asked what hoop I have to jump through now to get them to take this off my credit report but I can't get straight answer out of these people. The left hand doesn't know what the right hand is doing at Chase. I call them and all they can say is "we are trying to collect a debit". I pay my debits. I have a credit rating over 700 but that doesn't matter once Chase says you payed your mortgage late. Chase is a bunch of crooks that should all be in jail.

I have an escrow set up with my mortgage on my home for Taxes and Insurance. I have been paying $280.95 every month into escrow. The property taxes were paid from escrow on 11/10, but when it was time for the homeowner insurance to be paid on 6/18/11, I received a letter from my insurance company. Notice of cancellation.

My balance in escrow is $1,907.54 as of 7/11. If they would pay for flood in October of this year it would be -$789.95, leaving a balance of $1960.44. Then when property tax is due in December - 1108.95, leaving a balance of $1414.39. This money would be more than enough to cover homeowners insurance.

Several years ago we refinanced our home loan with Washinton Mutual. We refinanced again 2 years ago to pull some equity out of the house. Shortly thereafter Chase takes over WaMu. Two months ago I received a call from the local branch manager advising "they" look over the accounts of their customers and saw that our rate was high compared to current rates and a refinance might be in our best interests to lower our payment. He then gives me a name and a non-toll-free number in Chicago (we're in CA) and tells me it will take about 30 minutes of our time (and our phone bill???) I didn't make that call. After several follow up calls, from them we finally arrange a date for us to go into the local branch. We arrive expecting to speak with a local loan officer but were put on a call to, yes, Chicago, while sitting in the open, exposed, noisy area of the bank. I'm providing every minute detail of our identification, income, etc. where anyone nearby can hear and eventually are told we could lower our house payment by $400. And the closing costs, which I opted to pay upfront, would be about the same amount as the housepayment we would be missing when the transfer was to take place.

We get sent a huge packet of docs that we fill out, sign, etc. Here was my first warning: they listed our checking account balance, not with their bank, as $300,000! I wish! After calling them to correct it, we complete the packet and take it back to the local branch to fax back to Chicago. Let the nightmare begin . . . A few days later I received a written document that shows my closing costs (money needed from us) are going to be about $1500 more than what I was quoted on the phone.

I also start receiving emails and phone calls left and right from several different Chase representatives that seem to be friendly "customer service" calls but amount to overwhelming nuisances and created the appearance that the left hand didn't know what the right hand was doing and I had no idea who I was supposed to be talking to.

In spite of us both having careers with our respective employers for over 20 years, our credit ratings being in the high 700s to low 800s, our current loan being with Chase with automatic payment deductions that were never late, and the fact that THEY called US to offer a new loan - we weren't looking for one! - over the next few weeks we get treated as if we are the biggest credit risk to ever walk in their door.

We made the mistake of buying a new bed after we started this process and took advantage of the store's zero-finance loan opportunity. We then were grilled about what's this XYZ loan for, what typee of loan is it, and what are the terms?

Job verification was another nightmare. My husband works for a large governmental agency and trying to make contact with a specific person who is authorized to verify employment is insane. By the time they finally were able to do that, the closing date got pushed back so that problem started again because they had to verify employment within 10 days of closing!

After the bed purchase inquiry we were ready to call it quits, believing the stress wasn't worth $400 a month. Had we not already put up $395 (which I was lead to believe was for the appraisal that actually cost $360) we would have told them where they could put their loan application.

So closing day finally rolls around and we schedule a meeting at the bank for July 8, 2011. We've either purchased or refinanced about 4 previous times over the past 20 years so we arrive expecting the usual; go over the docs, notary does their thing, etc. Well surprise, suprise! NO ONE is there to go over the papers with us, just the notary with a hundred places to sign! Shortly after starting, she's flipping the papers from one signature page to another, she starts realizing something isn't right and I explain to her that this is the first time we were seeing the documents. She felt bad because she was under the assumption that someone had already discussed the forms with us but it wasn't her role to explain the contents and we understood that. Fortunately, I knew key things to look for as we progressed and that I would have 3 business days to go through them in detail and cancel if need be so we kept plugging along. As we're going through them I realize they have my cell phone listed in several places as our home number, although I gave our home number several times to the Chicago rep. Then we get to the page regarding automatic payment deduction. The box that says, "No I don't want to" is checked. MAYBE THAT'S BECAUSE NO ONE EVER ASKED US ABOUT IT!!!! Because we absolutely did want the auto-deductions to continue.

Two days before the closing I had received a call from our Chicago rep confirming the signing date and advising that our closing costs that had risen $1500, now was resulting in a $660 refund???? (I'm guessing because the closing date got pushed past July 1, meaning another payment on the old loan went through, as there was no one to explain.) So, I didn't bring my checkbook with me to the signing but NOW I need it to provide a voided check for the auto pay authorization. It's from the same checking account and still going to Chase!!!! How hard can it be???

As I scurry out the door of the bank to go home and get my checkbook the bank manager who started all this cheerfully says, "Hey, Kim, are you all done? Everything good?!" I tell him, "no we're not done, and it's not okay. There are several things wrong." Guess who was done for the day by the time I got back to the bank 10 minutes later?

To throw salt in my own wound I decided to check the mortgage rates at the bank we've had our checking/savings account with for forever and saw that their rate is a half a percent lower than Chase! I could have thrown away that $395 and saved over $12,000 over the life of a loan with my trusted bank! I don't expect to be a customer of Chase Bank for much longer. There are plenty of other financial institutions to choose from and I recommend you do so!

I had a Chase equity line that was paid up, and never late on a payment. Also, I have had a Chase mortgage for the last 6 years and was never late on a payment. My Chase credit card with a $25,000.00 credit limit was recently downgraded to $7200.00. Again, I was never late on a payment. My credit score is in the low 700's, never late on any of my obligations, but since they knocked my credit limit down, my credit score took a hit.

I recently closed a refinance loan with Quicken loans which went smoothly and professionall. I mention this because I started the process with Chase Mortgage last March, but finally gave up in June when the transaction still hadn't come to completion.

It seemed logical to apply to Chase since they held my existing morgage, so I laid down my $395 "good faith" money and assumed that it would be relatively painless. My credit rating is very good, and I expeditiously sent and signed every form required of me.

I was then assigned an incoherant and incompetent loan processor along with a loan officer who didn't give a damn. I jumped through the usual hoops -- faxing a boatload of forms and statements to prove that I was a reliable client.

They sent an appraiser who depreciated the value of my property by 40%!

The final straw was after almost three months I was requested to resend bank statements because the ones they had from the previous two months were "outdated!"

I also came to realize that "good faith" is not a two-way street.

We were supposed to refinance our home with Chase and finish up on the Closing on 7/25/2011, Saturday @9am. Not only did the closing not happened, but there were not even a courtesy call to free up our time after a scheduled closing w/in the same week.

See my email below to Mr. Edmund Loomis on 6/29/2011 after we received the denied letter the evening before. The reason Chase gave us was insulting and ridiculous; plus, no one responded from this email.

Good Morning Edmund:

I am very upset and surprised to see the "turned down" letter of our Lanark refinance when a lady from your office called us on July 21st, while we were on vacation, scheduling a closing time on the 25th. Meanwhile, a letter dated 23rd was sent to us, rec'd on the 29th, stating the loan was denied. No one from Chase has the decency to either call us or email us to notify us the closing has been cancelled. Our children have activities on the weekend and we have been scheduling their activities around it. I am AMAZED how customers are being treated, especially when we are a long time customer of Chase. Thanks for the special treatment; we will now work on closing all our bank accounts and take our busy else where.

Also, the letter states the reason of decline is because the "value or type of collateral insufficient". Really??? This is not a new loan. It is the same loan with a lower interest rate. I am not asking for a larger loan and if it is insufficient for a LOWER interest rate, it would be insufficient for any loan from Chase.

What kind of bank is Chase turning into???

I had been having trouble making house payments and were behind on our payments because they were high. A sheriff sale had been ordered. I contacted a third party and paid them to have a modification. I was approved for a modification, but when papers came I needed to make a payment by the next day. I contacted the third party to make sure this was not a mistake.

A few weeks later, they told me they finally got through to Chase and I should be making those payments, which by this time were after the "trial" period of the modification. I received a letter from Chase stating that a sheriff sale would take place. I contacted Chase directly asking if I could restart the trial. I received no further response from Chase. I contacted an attorney who talked to Chase and was informed that a sheriff sale occurred shortly after I contacted Chase the last time. I was told to contact Freddie Mac directly.

I contacted Freddie Mac and was given a phone number for the loss mitigation for Chase that deal with Washington Mutual Loans, which Chase took on. I talked with one lady, who, after two weeks and faxing a couple "books" of documents, told me her department changed and was no longer working on my case and I needed to talk to another person. I contacted another person, re-faxed all the paperwork and was told she was "on it".

After two to three weeks, I received a call back from her stating her department had changed and she was no longer working on my case and that in the future her supervisor would be assisting me. I went back and forth with the supervisor faxing papers I have already submitted two times before. I receive an eviction notice from attorneys working for Freddie Mac. I went to the hearing and talked to the attorney. I gave him the supervisor's name and phone number. The attorney is satisfied that my modification will be approved and eviction was cancelled.

The next week, I heard from the supervisor that his department is being moved off modifications but he will forward my documents to another person. Four months later, I was contacted by mail to re-submit all documentation and start over. I submitted all required documentation.

A month later, he is "missing" a document. I submitted another. The next week, he needed an explanation of my hardship, which was in the original documents. Four months later, I received another letter that my file would be turned over for further foreclosure proceedings unless I provide modification documents, which I had already faxed three times.

Now my home is being foreclosed and the attorneys may give us some cash for keys. Our local housing advocates "Habitat for Humanity" says after the sale, there is nothing they can do and to take the moving allowance.

Our mortgage payment is made electronically every month for the last 20 years. Chase claimed they did not get it this month but our bank said they did. They want my checking account statements and every detail of my personal account sent to them via fax to a customer service department that was rude and lacks the ability to speak English.

After a week of sending via fax, they told me and the US bank representative via conference call that they needed payment by June 30th--today is July 1st. They reported this to the credit bureau. We have never been late with a payment on anything in our lives. US Bank told them that it was not our fault and that it was under investigation but they did not care.

Every time I e-mail Chase Home Finance to let them know that I will be late with my mortgage payment, due to other bills and my pay period, they will not change my due date and always seem to tack on late fees. I know I am a week late from the due date but during these economic times these people need to at least reconsider their policy. If I am barely making it with my mortgage payments, how am I going to pay the late fees? They are very rude over the phone that is why I won't call them. I am accepting the rudeness now through e-mail. Chase Home Finance are the worst people to deal with.

I was offered a streamline refinance from Chase and appeared to qualify until 55 days later (after a closing date was set), when a final QC check discovered that part of the property was rented. This disqualification is not listed in the paperwork.

The last half of 2010, I was out of the USA and in Central America. During that time, in October, my homeowners insurance was somehow canceled, and I have no idea why. The end result of this was that my CURRENT loan holder, Chase Bank, applied for "hazard insurance" from the "now being sued" company known as 'American Security Insurance Company'. Normal prices for my homeowners insurance have previously cost me about $600 a year, and that included a $25K coverage for my contents, too....a normal price for a normal, middle-class home. In January, 2011, I'm checking my bank account online, still being in Central America.....my hair is standing on end and my heart almost stops when I see what is going on in my bank account! I'm somewhere in the range of $1800 overdrawn and all my automatic payments to household utilites and CC's are bouncing all over the place!

At first, I believed I must have become the victim of identity theft, and somebody had hacked into my bank accounts, but on further investigation, I discovered the "supposed thefts" was acctually and unauthorized withdrawel of funds from my checking account by Chase Bank! Apparently this had occured not only in January, but also in October, 2010. They had raided my checking account of $2000 to cover the price of this "hazard insurance" for a years coverage. Then, again, they raided it in January, 2011 for another years coverage. Why I was required to pay for 2 years coverage in the short span of 3 1/2 months is a grand mystery to me! I'd love to see their accounting principles audited!

At the same time, I was receiving "your mortgage is in default" notices to my e-mail account. I was on "auto pay" with them so I was truly confused...all payments (AND THEN SOME!) had been taken out of my checking account religiously for the last 4 yrs. No missed payments, or late payments...EVER! The comments all other Chase clients are describing about not being able to get through to a knowledgeable, competent person are 100% TRUE! And from the tiny city in Guatemala, where I was, it was 10 times harder! I was passed around to at least 6 different people in 3-4 different depts. No one knew anything helpful, no one had a supervisor I could speak with, I never actually reached a Chase associate that was based in the USA or had enough direct access to my account to understand how to help me.

Many were incredibly rude, even deliberately severing the connection when I said I was losing patience with them. Bottom line is, I'm back in the USA, as of March 2011, and trying to figure out why Chase considers that I'm almost $4000 in arears and they have now threatened me twice with default and "forclosure"...though I make my mortgage payments every single month without fail...all $1304 of it. I'm told the reason for the 'being behind in my payments" isn't over my mortgage directly, but the "trust account" Chase has set up to fund the outrageously priced hazard insurance! THIS is what I'm apparently behind on, and not my mortgage, but because they've attached it to the mortgage it becomes 1 entity, somehow, and if you're behind on one, your behind on the other as well. Quite a nice scam going, from the looks of it, since the attorney who is linked to Chase also is the attorney for this "home insurance" company of dubious character. I've been charged late fees for this insurance, and 'misc. fees' that they must just pull out of the air....I have no idea.

They DO INDEED send paperwork with their "loan in default" notices that say to call them to make arrangements to straighten out the past due balance. But, this solution is as pathetic an attemp as any other to reach them. There simply is either no option for reaching a "resolution dept." or no one answers the phone, and if you do press "0" to attempt to reach and operator for assistance, after 10-15 seconds the call cuts off, and you're just listening to dead air. This has happened at least 5 times to me in the last 2 weeks. I can NOT get a live person to speak to. My issues...?

1- If Chase purchased hazard insurance from me, even at what SHOULD BE prohibitive prices, and charged my bank account $2000 for it, (TWICE, for God's Sake!) WHY DO I STILL OWE THEM $3,975.30 !!!!!

2-Isn't **"false advertising" illegal here in our great country!!?? **i.e.-phone numbers that can't be utilized to resolve an issue that they tell you to call so you CAN resolve your issue??!

If Chase Bank decides they need to scrape the bottom of the "integrity pile" in order to bail themselves out of the mess THEY got themselves into, I am sure it shouldn't be at the expense of the American citizen who is trying their darndest to keep their nose above water and help the whole country out of this horrid predicament we're all in. I'm wondering if some of their business practices are even LEGAL...?! The damage done to my accounts when they took out the unauthorized amounts and caused a lot of payments to bounce has resulted in my credit rating dropping to the mid-600's, and I also had a couple credit card companies lower my limits and a couple of them closed due to some of the fall-out from this problem.

Now, even if I WANTED to refi my loan, just to be rid of Chase Bank, I can't as my lower credit rating prohibits it...no one will touch me in this very sensetive credit market. Where is our government's regulatory help with this crazy bank's out of control behavior when we need them? Why is there NOT a class-action lawsuit about them, as yet, or if there IS one, could somebody PLEASE tell me the name of the firm and I'll jump on board and even make a DONATION!

Have faxed loan modification papers several times and have confirmation stating it was received.

When we call they say they have never received them. No explanation where my private information is going. No help on trying to get a loan modification. Just a big circle of no where.

On or about that date I contacted Chase to see what options they might have in place, I was told that they did not have a loss mitigation department Between disability and my severance package, I had the means to keep making the full mortgage payment through December 2008 At the time my regular payments were $1,133.31

On January 26, 2009, I submitted (faxed) my first hardship packet' - hardship letter, income/expense statement, proof of unemployment Regular payments reduced to $1,119.82 (escrow reduction)

Per the instruction of the bank, I then defaulted on my mortgage so the bank could work with me Received Notice of Defaulted Mortgage dated March 10, 2009 I contacted the bank about a modification and was advised to provide documents Received Acceleration Warning dated April, 4, 2009 Called the bank upon receipt of the notice to confirm that loss mitigation was reviewing my file - was assured that the computer automatically sends out the letters and not to be concerned'; also confirmed that the loan had not been sent to McCalla I contacted the bank and spoke with Michelle & James and submitted additional documents

I received my first Forbearance Plan Agreement about May 14, 2009 - 6 installments of $511.50, the first with the signed agreement and the remaining 5 payments due on the first of June, July, August, September, October & November 2009 All payments were made timely I contacted the bank in October and was asked to submit a new packet - submitted, by fax, October 16, 2009 Received Forbearance Agreement dated November 6, 2009 - requiring 1 payment of $11,854.95 - immediate call regarding the insanity of the request Received Acceleration Warning dated November 7, 2009 Another call to the bank upon receipt of the notice to confirm that loss mitigation was reviewing my file - was assured that the computer automatically sends out the letters and not to be concerned'; also confirmed that the loan had not been sent to McCalla

Received a call from Ron Schaum - Forbearance Repayment Team - sometime in March asking me if I was aware that the terms of the forbearance agreement had been changed - I was not Submitted (faxed) additional documentation March 11, 2010

New Loan Mod Application submitted April 15, 2010 Contacted Ron and others to confirm that loss mitigation was still working on the loan and not to be concerned about the upcoming May 26th payment of $11,250.89 - was assured that all was in place Received Notice of Intent to Accelerate dated June 1, 2010 Another call to the bank upon receipt of the notice to confirm that loss mitigation was reviewing my file - was assured that the computer automatically sends out the letters and not to be concerned'; also confirmed that the loan had not been sent to McCalla Submitted additional documentation June 9, 2010

In lieu of a new forbearance agreement, I was advised to continue making payments of 947.84 until otherwise advised July 5, 2010, "Call Now Notice" taped to my front door advising me to contact the bank immediately followed by angry call to bank I remained in contact with the bank regarding the modification process Applied for SBA loan and was rejected by letter dated August 24, 2010 due to an "insufficient lender matrix score" New Loan Mod Application submitted (faxed) September 3, 2010

Spoke with Arlene Palanqui to confirm that $68.30 in suspense would be applied if I made a reduced first payment; she said it would (it was) Received Statement of Eligibility for Loan Modification dated December 8, 2010 - not qualified, advised to call bank for options Another "Call Now Notice" appears on my door\ Property now appraised at $98,000

More calls to the bank to confirm status; to try to move things forward As the end of the most recent forbearance agreement approached, I contacted the bank for instructions, was told to continue making payments as provided under most recent forbearance agreement On April 4, 2011, I received Notice of Intent to Accelerate dated March 31, 2011 - note that the existing forbearance agreement was effective through end of April (payment due and made prior to April 1st) Immediate call to the bank, upon receipt of the notice to confirm that loss mitigation was reviewing my file; spoke with Stephanie Bonnie, then Kimberly, then Joan - was AGAIN assured that the computer automatically sends out the letters and not to be concerned'; also confirmed that the loan had not been sent to McCalla was advised to submit new loan mod application

More calls, confirmed documents received, no problems noted

the loan was 13 months in default and had been sent to the attorneys on May 26th' (in spite of the fact that I had in my hand a letter dated May 25, 2011 stating that I had 14 days from the date of the letter to provide additional documentation), and that she had no record that the loan had ever been in loss mitigation'

Returned home, Faxed 4506-T form called bank, spoke with Mike in Loss Mitigation was advised that the file had been closed' on May 16, 2011 I find it odd that the file was closed the day I submitted the additional documentation, and that even in conversation with other bank representatives, I was never notified in the change of status was advised to submit ANOTHER modification application Dropping everything AGAIN, I assembled a new application packet -

she took copious notes and seemed genuinely concerned about the situation and sent escalation e-mails to various departments advised that the notes showed that a relationship manager, Jenni **, had been assigned to the loan on June 2nd since it was only June 1st, I questioned the date

Jenni **, called me later that afternoon to introduce herself, apologize for any confusion and let me know that the system was being updated (I imagine to erase any indication that she had been assigned to my file a year ago)

she advised that the 4506T was missing information and asked me to resubmit it again I re-faxed the form while we were on the phone she said she would review the packet and call me in the morning to let me know if there were any deficiencies I e-mailed the Dean and my professors to let them know that it was likely that I would not have any of my final assignments in on time due to the unreasonable requests being made by the bank At this time I am running a home based business, attending graduate school full time AND maintaining a 3.6 GPA. I doubt somehow that I will still be able to maintain my GPA given the additional stress and demands being made on my time and patience by the bank

June 2, 2011, Jenni called I asked about the foreclosure status and was told that until underwriter reviews file, the loan is to remain "in foreclosure" I was told that I needed to resubmit form 4506T because "the IRS will refuse anything that is HANDWRITTEN rather than typed" "it is an IRS rule, not ours" She told me to sign and date my Federal income tax extension request because the IRS will not accept it without a signature I advised that the form had been successfully e-filed and that she, the IRS and I have the confirmation e-mail Even with this advice to Jenni, she insisted that I date the extension with the current date even though it was submitted in APRIL!!!!

I was also instructed to automatically send all my bank statements as I receive them, as well as copies of all my student loan award letters and a letter from the school, IN ADDITION TO copies of all my tuition invoices, statements and related check stubs And, even though the modification application instructions clearly state that the bank would accept either 3 months of business bank statements OR a P&L statement for the most recent year, I was told to submit a 2010 year end P&L, as well as P&Ls for the first 2 quarters of 2011 Note the aforementioned tax extension. The 2010 reports had not yet been prepared, nor had 2011 information been entered into the system Note also that the 2nd quarter of 2011 has not yet ended Again, I put work and school to the side to comply

I also have final papers due for school and billable work so I needed to keep time available to meet those deadlines Revised loan modification application submitted (faxed) to Chase and Assistance package submitted to PMI company about 5 am on Sunday

yes, the file' was still in foreclosure' explained my concerns to Roger who transferred me to the Executive Resolution Group spoke with Brittany Putnum, recounted most of the above an internal claim/complaint has been filed

In that time, the bank has offered several trial payment plans and I have made every payment. Before the end of each trial period, I contacted the bank about next step, was advised to keep making payments per the most recent forbearance agreement and submit new loan mod applications. Notices of Intent to Accelerate usually followed within a few days prompting calls to bank about the modification status and assurances that property was not being sent to foreclosure. I have not received a Mortgage Loan Statement since April 2009 and now that the account has been 'closed', I no longer have online access to the account.

I had a loan with Bank One which was bought out by Chase Bank. I paid the loan off 7 years ago. They have no record that I paid it off. I never heard anything for 7 years till I tried to get the lien removed from the title. They said they wont release the lien, but cant tell me that I still owe them money or cant prove that my account was charged off.

In March 2011, I received information from Chase regarding outreach program where I could sell my house, short sale, and avoid foreclosure. My house is set to foreclose and be sold at auction on 6/23/2011 even though I signed all paper work, found a person to sell house and kept in contact with Chase regarding process. They never intended to give me incentive of $25,000.00 to short-sale. I feel cheated. I will be kicked out in 20 days with elderly mother and grandchild of 13 yrs of age. I could have used monies to relocate. As above, I have nowhere to go. I do not have deposit to give for apartment. If Chase would have worked with me, I could have found a buyer. They stipulate if they do not like the offer, they will not accept anyway. What do I do now?

CHASE reported a foreclosure on seller's personal credit after HAFA & Chase approved & closing a short sale. There was never any public record, no filings, no notice of intent of foreclosure by Chase. Two (2) months after date of short sale approval letter from Chase, ten (10) days after HAFA approved & closed short sale, Chase reported the transaction as a foreclosure on seller' personal credit. Efforts to remedy directly with Chase have been ignored. Efforts to remedy with credit reporting agencies left to Chase despite closing documentation. Now this requires seller to retain attorney.

On April 7, 2011, I contacted Jason **** about a new home loan purchase. I told him that I have filed for divorce and my young children and I cannot afford to maintain the current home. The divorce was filed on March 18, 2011. I told him that the divorce would not be final until May 18, or May 19, 2011. My home loan was submitted for an FHA loan at 4.6%. Jason contacted me and said that because I was not yet divorced, I could not go FHA to purchase a home and then switch my home loan to conventional with 5% down and 2 years of PMI. The switch occurred on April 25, 2011. Before the switch, all the necessary paperwork such as bank statement, tax request, credit inquiry explanation and signed buyer contract were already submitted. The contract for the home I was to purchase expires on May 19, 2011. I received a call from Lamonte, Chase's processor, saying that they were ready to close. Later that week, he said that he needed more information from my soon to be ex-husband. I supplied the required documents.

On May 13, he said again that they were ready to close. So the sellers vacated to temporary housing so I could close on the property. Lamonte, said that they will instead close on May 17, 2011. So I had all the utilities switched in my name at the new property. I signed a Specialty Warranty Deed' and return possession of my current home over to my husband. Chase required that I do that or my husband would have to be on the new home loan. I did everything that was necessary and was told at 3 p.m., Eastern Time, we could not close because I was not yet divorced and the loan will not fund it. At this point, me and my 3 and 9 year old kids do not have a place to live. The divorce was finalized on May 18, 2011. I left straight from court to Chase to give them my signed divorce papers. I was told that that should be good and we would be ready for closing. On May 19, 2011, the contract for the home expired and Chase said that we would be ready to close on May 20. The sellers extend to May 20 yet nothing.

The title that the company waited for each time was the necessary closing documents and each time, we were told that they were coming yet they never arrived. Today is May 25, 2011, Chase is ready to close again but at a higher interest rate and even more of a additional cost for me. Chase has misled me in the attempt to cash in on a single black mother. They offered a service but did not provide that service.

In April 2009, my hours at work were being cut due to seasonal production. I called Chase to let them know what was going on and that I knew I would have difficulty making the next few month's mortgage payments until full working hours resumed. They told me to not worry about it and to just send full payments when I could, but never send partial payments or extra payments. Then, if I fell past 6 months behind, they could offer me a modification. When I wasn't making my payments on time, they began adding late fees and other "miscellaneous" charges to my statements. I made full payments when possible that were applied to latest payments over due. By October 2009, I finally qualified for their help according to their guidelines. I was set up with a "trial modification" payments of 3 months, where my payments were about $100 over normal payments to see if I could keep up and to help pay what was behind. I was told the only way that they would accept my payments was to send them via Western Union, which charges around $12.00 every time. This went on for way more than 3 months.

At the end of each 3-month period, I was "denied or declined" request for permanent modification due to lack of paperwork or some other reason. I was sent a package of papers every 4 months or so to fill out, requesting my tax returns for the previous years, Frank-Dodd Certification, check stubs, bank statements, letter of hardship, list of finances, etc. Then, they told me they expire every month and have to be updated and re-sent, even though it takes almost 2 months to get them reviewed! Normally when these requests were sent to me, they were dated 2 weeks prior to delivery, and sometimes even a week after the deadline inside, making it impossible to respond on time. This has now happened 6 times since Oct. 2009. The computer dialer calls my cell phone (only phone) all hours of the night, sometimes as late as 12 am! When I answer it, it says, "Stay on the line for an important message from Chase Home Finance." If you stay on the line, it takes nearly 3 minutes before a live person picks up. Then when they do, they request that I verify my identity, address, loan number etc. when they called me!

Several times, I had answered these calls from Chase and made arrangements for payment or payment verification during the last 2 years and this whole ordeal. And as soon as I hang up, the computer starts calling me again 5 or more times in one night, often very late. Then, when I wait and answer them again, it is the same thing over and over like we never spoke before. One day this had happened. And instead of me verifying myself to them, I requested the caller to verify with me the same information, which he could do all except the loan number. It was way off! This red flagged me to wonder if it was truly Chase making these excessive and absurd phone calls! When I call to inquire about my loan or request copies of statements, I am transferred at least 6 times to at least 4 different states and departments and required to verify all of my information with them again and again.

These phone calls always take at least 2 hours on the phone if not more. And not one single person can give me any information that is the same as the last or helpful in my request. Many times in the many transfers during a phone call, they would give you a "direct number" just in case the call gets disconnected in the transfer and then would simply disconnect as if to do it on purpose. Hang up if you will, or a message would come on "we can no longer service your call, please call back later". Then, when you call the "direct line" back and request that certain person you were being directed to, the call starts all over at customer service or wherever. And they either have no clue who you want to talk to. If by chance you do get the right department, that person is conveniently away from the desk and the person on the line is "just as qualified" to handle your situation. This happens most of the time in completely different physical locations of the county, different states!

If you do not talk to the person on the line at the time and opt to leave a voice mail (supposed "account manager now assigned to your loan"), they never call back, never! And then, when you wait a week or so as directed and try to call again, your account has been reassigned and the process starts all over. It is now May of 2011 and I am no closer to solving this issue than when it was started in April 2009. In fact, I am further away and can only resort to legal action. And to top it off, in August of 2010, I had enough money in my "suspense funds". I was within 2 payments of being completely caught up on my mortgage so that a modification was no longer necessary (totaled over $3,000.00). And it mysteriously cannot be found!

When I called to again request statements and payment histories to match with mine and find missing ones (I haven't been the best record keeper and have kids that like to color on and take off with any paper they can find), they denied my request or said it was sent. But it never seems to have gotten here! In Sept. 2010, just after the money disappeared, I refused to send them another payment to "lose" or place into "suspense" until they could locate the missing $3,000.00. And it is a good thing I did. Otherwise, all that money would have completely disappeared and been untraceable. Instead, I put the payments each month away into escrow (savings) at local bank. My last payment was in August 2010 that I sent them before the money vanished. At that time, when the money disappeared from suspense, I owed one current payment and one late payment. That was just 9 months ago, so I would owe at most 10 months of payments.

They are stating now that I am 17 months past due and owe then almost $7,000.00. This amount only adds up when you add the money lost, the payments not paid to them since, late fees, and their "miscellaneous" fees, which are excessive and unexplained. My payments are approximately $381.00 a month. In 10 months it would be $3810.00. And if I was 17 months behind as they claim, it would be $6,460. That is huge gap and a lot of "other miscellaneous" fees! They are now threatening almost every day foreclosure, even though while investigation of my dispute, they cannot actually foreclose on the house. So, I never know or can have a peaceful feeling while this hangs over my head. It is also ruining my credit beyond belief! I could not even refinance my car without a cosigner. My insurance, since it is credit based, has doubled. I cannot buy another house even if I sell this one, with the bad credit! I am at wit's end with Chase!

I took over payments on a mortgage and moved into the house in March of 2010. In October of 2010, we were told that we were a payment behind running all the way back to May, when we had made all of our payments. We started trying to figure out what payment they were missing. No one could find a money order payment on the account. So, I went and had the money order traced and found that it was cashed by Chase. After 3 faxes and many calls later, I had gotten nowhere. I requested that a history of payments on the account be mailed to me (this did not happen). The people that take the calls don't know anything about a money order. And I was never able to get through to the research department.

While attempting to get information on the money order, I stopped making payments. I was thinking that when they called me about payment, I could ask about the money order and possibly force Chase to give me information on the money order (this didn't work). So finally, when I saw that they were not going to give me the information, I attempted to make a payment over the phone. They told me that I cannot make a payment over the phone, and that I needed to get a cashier's check. I went to the bank and purchased a cashier's check on 3/18 and mailed it to Chase. On my next conversation, I was informed that the house was in foreclosure. They had returned the cashier's check because they would not accept partial payment. I did not get the check back.

On 4/18, I went to Chase's foreclosure attorney and paid $4000.00 (mostly attorney fees) to get the house out of foreclosure. I discovered on 5/3 that my bank account was bouncing transactions and I was getting overdraft fees. Chase had debited a payment from my account without authorization after supposedly returning a cashier's check again, because they could not take partial payment due to foreclosure. The house was still getting paid up to date through the lawyers who said it would take two weeks to process the payments from the 18th.

So, to sum it all up, after hundreds of hours spent on the phone with Chase, they said that they posted the money order on the account (I can't get a payment history statement to figure out if they did or not or where the missing payment was from a year ago). The cashier's check is still missing and they want me to fax once again the check information to their research department. My bank account is $1000.00 in the red because of a payment taken that I did not authorize.

In May of 2010, me and my wife received a letter from Chase stating that our home loan payment had gone up to $2,100.00. Our previous payment was $1,198.00. We had been struggling to make that payment do to. It took my whole paycheck to make that payment. We had fallen 2 payments behind and called to try to get help. When we contacted Chase, they told us about a Loan Modification. So we started the process, we worked and called every week, sometimes twice a week. Everything was going good or we thought we still made our payment every month.

Well the first part of August, we received the final paper work to sign and overnight back to Chase (we could finally breath). Our first payment would start on September the first. When it got time to make the first payment, we called to get the information due to we had to make it via Western Union. We talked to a Mr. **, standing at the local grocery store. All that Mr. ** would say is send it through Western Union and would not give me the code city. After the 3rd attempt, we finally got a hold of someone else.

We started making our payments of $970.00 a month. Then the end of December, we received a statement from Chase stating we owed $10,000.00 dollars because we were late with our payments. We had missed 11 payments. We thought that is not true. We had been making our payments like the modification stated. So we got on the phone and proceeded to contact Chase. Some of the people we talked to did not know what had happened. They were going to try to find out higher up and stated they would be contacting us back, well they never did.

After contacting them, we finally got a hold of someone that stated that our loan modification never went through due to we had a NSF check. Well that was news to us. Now we have an option. We have to do a new loan modification or pay them $10,000.00 in order to keep our home, something that is our life. When we asked if we could make our monthly payment this month, they said no, not until we come up with the rest of the money. Now, if we had known that we did not have a loan modification we could have tried to catch those 2 payments up, but we waited and never still has received anything via mail, e-mail nor a phone call stating that the loan modification did not go through. Last September, we found out by calling them. Now there is no way we can come up with $10,000.00 to catch it up. So now, what are we going to do.

Two and a half years later, I am still in review for my modification. It was approved March 2010, but my underwriter sent it to Casper, Wyoming. The problem with this is we live in Salt Lake City, Utah. I called several times to get the modification package sent to the right address. But 5 times it was sent to Casper, even after I called them. So we got a letter telling us we did not return our modification package in a timely fashion!

We were then told we had to re-apply. We've re-applied 8 times now. I was told by my contact person that everything was OK and it should be a couple of weeks. This was on April 1. On April 8, I have been told by Chase that I have to re-submit the paperwork again and start all over again!

Is this ever going to end? I have been physically ill from the stress of all this runaround. And my house is falling apart, because we do not want to put any money into it till we find out if we are going to keep it. Also, I can't buy a car when my old one quit, because I was told that Chase has my credit messed up. They do not call me and inform me of anything, and I have been told that it was my job, not theirs.

I have been in the process of a home loan modification with Chase Bank (formerly Washington Mutual) since late 2008, and it has been an impossible process to get my application approved.

In April of 2008, my 6-month-old son was shaken by his daycare provider and suffered from brain hemorrhaging. He was in the Pediatric Intensive Care Unit at Kaiser Hospital in Oakland for six weeks and underwent multiple surgeries. During this time, I was unable to work and my husband at the time (we are now divorced due to the strain that this even put on our marriage) fell behind with our mortgage payments. I re-applied for a mortgage modification with my income alone in early 2009 and was subsequently approved for a 3-month trial payment plan in August of 2009. I made eleven trial payments to Chase Bank before my load modification application was denied due to insufficient income.

I don't understand how I was able to pay my trial payment for eleven months, only to be denied due to my income not being sufficient enough to afford the payment. They never called me to tell me that I was denied. I had to find out by calling them to check on the status of my application.

In order to save my house and supplement my income, I rented a room out and provided a copy of the lease agreement to Chase in July of 2010. I have since started making my trial payments again, but my account is still in review.

I am asking for some assistance as I am a single mom, just an average full-time employee, that seems to have been lost in the home loan modification applications at Chase Bank. I thought that it was the reason that President Obama approved new guidelines for financial institutions to follow regarding loan modification processes.

Never have I seen such an incompetent organization as Chase Bank. I was going through a modification process with Chase Bank. Well, it took 13 months where I was misled into thinking that they were actually working to help me as the homeowner to keep my home. But Chase reps are only there to get a paycheck at the end of the week and don't care. During this whole ordeal, it was a constant "we need more information" and never did get "I was accepted or rejected". It was so frustrating when I would get them the information and they would say "well okay ma'am, it will take 60 days for the underwriters to review and get back with an answer". Days later, turns out I would get a call back from the relationship manager telling me that it was not submitted due to missing information. When I would express my frustration as to why they can't tell me (when I faxed the info) that it was missing, they would get so rude. So again, here I go faxing the missing information and I would start from the beginning with the wait of 60 days.

When I finally got fed up, I wanted to just start making payments but they wouldn't accept any because I had to pay all the past due. By this time, 4 more months were added to the three that I was already past due. If I didn't have the 3 months, how in the world they expect me to pay 7 months all at once? **! Well, I was forced to continue with the modification not knowing what else to do. It continued with the missing information, rude and lazy reps. I kept hearing it will be submitted to the underwriters and because I would talk to so many different people, they would contradict themselves. One day, it was submitted, the next it wasn't. I never got letters that I was rejected and I sent them every single piece of information they needed. Only once did all the different reps I spoke to agree: That it was submitted to the underwriters. That was only 2 weeks before the sale date came around and was 13 months later.

The sale date was only weeks away on April 5th and I continued to call everyday asking to please check my file and let me know if there's anything missing. But as usual, if it wasn't the relationship manager assigned to my loan at that time, the incompetent reps would just assume all was fine, the hold was in effect and that I should not worry about it. Well, April 5th came around and me trusting that the foreclosure was put on hold. I called Zoila, the relationship manager, at 9AM to confirm that all was okay. Surprisingly, I got her on the phone and I was on hold, but she needed more information. Trusting her words, I requested a call back at 1PM because I was at work and lunchtime would be better to talk.

1PM came around and I didn't get a call so at 1:20PM, I called Zoila. Again, I got a different rep and they managed to get her on the phone. When she got on the phone, after she verified my name, social, date of birth, address, phones, etc, she was so heartless and told me that she saw in her notes that I had to call the attorney for a reinstatement amount. If they didn't hear from me before 1PM, the house would sell. I was devastated! All this incompetent rep could say after this was "can I transfer you to the attorney?". Hoping that I could still stop the sale, I called and in fact it was foreclosed. Zoila failed to tell that at 9AM, when we spoke that morning. Instead, I got misled into thinking it was okay. The attorney's office couldn't tell at that time who bought my house so they said to call tomorrow. So I did and they said it went back to Chase and for more information, call them.

I was interested in knowing my options after foreclosure, so I did and who did I get on the phone? Zoila. She again misled me into thinking the foreclosure was actually put on hold and that I still had a chance at the modification. So I sent her the missing information again the next day and this was April 7th. I called her to make sure the information was okay because she can't call. Another rep said if the information was not accurate, she would call me. I needed to know and I asked this other rep if it was on hold, he said yes. I was so happy as anyone who's going through this would know. Well, April 7th, a real estate agent came to my house and I wasn't home of course because I work. She just happened to bump into my father-in-law and left a business card.

When I called the agent, she said she didn't want to tell me this over the phone but because I insisted, she told me she was with Freddie Mac (the owner of my loan) and my home was foreclosed. Again, I was devastated and just wanted to die. I told her I was told by Chase that it has been reconsidered and she said to call them back. I did and the reps, not Zoila, said it was foreclosed. I told them "why did they lie to me?", the reps have been so rude and said there was nowhere on there that says the foreclosure was on hold, on the contrary, it was rejected. I have 30 to 60 days to vacate my home and I have nowhere to go. 6 years in this home and now I'm homeless. Never again will I deal with Chase. I will cancel all my checking accounts and wish them **!

I have been trying to get a loan modification through Chase for over a year. I have sent all documentation in several times. I made modified payments and then was denied modification because they did not receive all documentation required. I called and spoke to a lady who found my documentation, said she emailed her manager to see if they can re-open my case and someone would contact me. No one did. Then I called and they said I had to re open the process. I contacted our local Housing council who has been helping me with the process again. She has sent them the information 3 to 4 times. They have denied receiving it and keep asking for more info..

Then they told her I did not qualify for a modification, that they would not except any of my documentation. I had to pay 1/2 what was due then spread the rest out in payments. They say I am 13 months behind. My last full payment to them was in August. Then, I received another letter from them dated March 22 saying they need further documentation to modify the loan. During modification, they tell me to stop making payments so I would qualify for modification or repayment plan. 4-4-11, I called them today and a gentlemen told me that they were waiting on more documentation, I explained to him the entire situation and told him I wanted to do a re-payment plan and then try again for modification but I want to start paying so I do not go into foreclosure. He said first, I had to put as much down as possible on the arrears, then do re payment plan. I gave him all my income and expenses and he went over my financial in the computer, said he would except a little over 1/2 of the arrears right now and my payments would be a certain amount (told me the amount and length of payments) then put me on hold. When he came back he said he could not set up the re-payment plan.

I told him fine just take the down payment now so at least they would have something toward the arrears. He said he could not even do that. He said he would mail out a packet for loan modification again. I just received a letter from them dated March 22 saying they need further documentation to modify the loan (this was the same information he told me they needed). He apologized for someone telling the housing council that they would not consider a modification and told me they would consider one, that when I get the packet in the mail to get it back to them asap. I have no options, they wont let me pay anything. I have contacted customer service and requested 2 years payment history and original loan documents. Lady said she would mail out today and I will receive in 7 to 10 business days. We will see if I receive them.

Yesterday I received a notice from Farmers Insurance that my mortgage insurance was past due, and I needed to pay over $500 all at once, or it would be cancelled the first part of April. There's only one little problem with this, my home insurance is supposed to be paid by Chase Mortgage and they have not paid dime one into my account since last September! I contacted my insurance salesman yesterday, and called Chase Mortgage today. They said they will mail out a payment today.

I just don't need the grief. I'm 72 years old, very much disabled, and mostly home bound. I've been paying the mortgage, as agreed, every month, and have never been late. My mortgage insurance is supposed to be $47 a month. So far, the only damage is rattled nerves, and another crazy-making hour of trying to reach a human being! If they do not pay the insurance, I assume there will be further hassle. However, I plan to stay on top of it. I don't trust most banks in general, and Chase in particular!

I made a duplicate payment in error. They posted both payments to my account. I asked for them to refund it and provided information from my bank on the duplicate payments. They didn't respond to my letter. So, I called them and they said that I did not have enough documentation.

Firstly, they did not contact me regarding the fact that I did not have the documentation required. Secondly, if the payment is posted twice to the mortgage account, why would they require more evidence? The customer service individual who is from the Philippines knows nothing. I asked to speak to a supervisor, they told me they don't have one. I asked for a phone number to the research department, his response was they don't have a phone number only a fax. This is unbelievable that they want me to provide an actual bank statement to prove I made a "duplicate" payment when they posted payment twice on the account. I told the customer service rep this is unbelievable bull** made up to hold onto a customer's money to buy time for Chase to hold onto money that does not belong to them. I will never bank with them!

I am writing to tell you the story about Chase Mortgage and my personal situation. There is a missing link in my attempt to communicate with them to save my home from foreclosure, and I think you should know about it.

In July 2009, my husband was given 3 to 6 months to live. I went to an old friend at National Bank in Sedona who had helped us twice with our mortgage. I wanted to see if she could help with modifying our 15-year mortgage to 30 years, so I could reduce our monthly payment and make it more affordable. She called right away only to tell me we were 30 days past due on our current mortgage with Chase, and there was nothing she could do because of that. All of her lenders were refusing to accept any accounts with a 30 or more days delinquency in the past 12 months.

I had not told my husband that I was looking into this, and he overheard the conversation and told me there was nothing to worry about--he had contacted Chase in May 2009 and explained our situation to them. He said they told him not to make any further payments, and they would send the necessary documents to refinance.

I continued to work with my friend for a few days, trying to get the 30-day delinquency mark removed from my credit, so she could help anyway. We both had known of a Chase employee and contacted her for help. She told us that the person she spoke with in the Chase Mortgage department did admit they tell customers not to make payments when they are going to refinance and that they would send a letter so we could fix my credit. We asked if they would fax the letter so she could start working on things right away, but they stated that it had to be mailed.

A few days later, I received the letter but it said nothing about an error. I called the person who signed it and was told they would not put it in writing that they made an error or admit telling customers not to make payments. When I spoke to my friend at the Chase Bank branch in Sedona, she was shocked, because they had told her they would fix it. I contacted another friend to see if she had any contacts in the business who could help, but it was the same story--no one would touch anyone who was 30 days delinquent in the last 12 months. I contacted other friends, and no one could help because of it.

My husband had written down names and numbers of people he had spoken to at Chase who had told him that the paperwork was in the mail. I attempted to call the numbers and asked for those people, but no one could tell me anything. I asked them to review the account comments to see who had spoken to him and told him that the paperwork was sent and not to make a payment. Asking to speak to a supervisor or manager is unheard of, as I was told many times that they would not say anything different.

I am now convinced they do not exist. I was constantly put on hold, and each time, I was transferred back to the collection department where they have a recording of how much you are past due and must pay. After a few days of trying, I scraped together two months' payments of around $4,400.00, so I would not go 60 days delinquent. I thought if I paid, someone would talk to me. Then everyday I called only to be disconnected or transferred from one department to another, telling my story and looking for someone to help with the modification.

In late August 2009, I called the local Chase and asked if she knew of anyone who could help. She went to her branch manager who returned my call and gave me more numbers to call and more people who just kept transferring me. My husband's condition worsened, and I gave up trying to talk to someone which is what I am now convinced they wanted me to do. I continued to make my payments just before the account was delinquent, and they would tell me, "I see you are on a payment plan." But when I asked what that was, I was told it's the same amount I am paying.

My husband passed away on October 4, 2009. Soon after, I started calling Chase again for help, and someone told me I had to apply for the Obama Mortgage plan (Fannie Mae). I was so confused and unclear of anything, as I was still in shock, depressed, scared, and had no idea of what they were talking about or how to go about doing it, even though I have been in the business for years. Another friend started helping me. She has kept names and dates of all the people we have spoken to and what they have said to us.

In November 2009, we filled out the Obama paperwork and submitted it to Chase. After weeks of hearing nothing, we started calling and getting nowhere (yet again). People at Chase said the only way to get anyone's attention was if the account was delinquent. I stopped making payments in November, so I could get someone to talk to us. In late November 2009, I finally got through to someone who listened. That person said she could see in the comments that my husband had spoken to someone about refinancing, but the paperwork had not been sent and they could not tell why.

They asked me a number of questions regarding my income and cash flow. They also asked me to put in writing how my situation had changed, so I explained the loss of income. Granted I make a good salary, but they base your situation on gross income. However, my net has been cut in half. So after answering all of her questions, she stated they (Chase) needed to do something to assist me. She said with the information we had provided showing a negative cash flow at the end of each month, I should qualify for the program, and my payment be lowered from $2,200.00 per month to $1,268.50 per month. She gave me an address to send the payments and said she would be sending a contract agreeing to all of this and told me that if I missed one payment or was late, I would forfeit the payment plan, and my home would go into foreclosure imminently.

On December 18, 2009, I received the Forbearance plan agreement. It indicated the contract would expire in April 2010, but by then, they would have everything ready to do the modification. But if I did not hear from anyone, I just have to continue making the agreed payments through the term of the mortgage and everything would be ok. We called a number of times throughout this process only to be told that my account was in review. They also told me that no one had been assigned to my case yet, but that I do not worry and just keep making the payments, and it would be ok. (I now do not believe my application was even submitted.)

On June 1, 2010, I spoke to someone in underwriting who said that Fannie Mae denied my application for the Obama modification and that a letter had been sent the end of May explaining why. I have never received a letter regarding this. But a few days later, I did receive two letters with my address but with other people's names--how embarrassing. Someone else must have received the one in my name! I tracked down the main number for Fannie Mae and spoke to a young lady who said she had no idea what I was talking about but would have someone call. She took my phone number and e-mail address and later did send an e-mail confirming our conversation, but I never received a call or another email.

I tried contacting her a few more times via phone and email, but nothing. I then called Chase four (4) times only to be transferred around and around. Finally, I spoke to someone who told us I would have to re-apply, that Chase now has an internal assistance program that can help me and guaranteed me that Chase did not want my home, and I would qualify. My friend told me that my debt-to-income ratio was 29 point something percent, and in order to qualify for the Obama plan, you have to be 30% or higher and that it didn't matter if it was close. Hearing nothing, on June 23, 2010, we called and spoke to the underwriter who said they were missing one document. We faxed it right away.

On June 28, I received a letter stating they were missing three different documents; we sent those the same day. In July 2010, I received the same letter that I got a few weeks ago with the other people's names to my address in error and it offered me $1,500.00 cash to give up my home and avoid foreclosure, even though I have been making the agreed payments long before they are due. In addition, I was told they have all the necessary information, but it would take another 45 days before they will know if I am approved. I have the name and extension of the person handling my case and have left numerous messages. But I have never received a return call.

On September 9, 2010, I received a notice with another 800 number which stated that I needed to call and warned that they are accelerating my agreement and notice of intent to foreclose and giving 32 days from the date of the letter (8-31-2010) to pay over $10,000.00 to avoid foreclosure. I spent the whole day on the phone being transferred from department to department and was hung up on. When I ask to speak to senior management, I was told, after verifying my social security number, home address and phone number, no one could talk to me, because I did not give her the correct home number that was in their system. I explained I have had the same home phone number for 15 years. Then she hung up.

I finally spoke to a young woman who told me to disregard the notice, and that my loan was in underwriting and I should not make any further payments. She stated it was a matter of days before I would get the modification and guaranteed (again) they are not going to foreclose, I asked for this to be put in writing but was told no not to worry and that all was ok. I feel as though Chase has misled, misinformed, and misrepresented this to me until they were in a position to take my home. They have affected my credit by continuing to report my mortgage delinquent each month, when I was paying as agreed. At best, I was past due 30 days.

In June 2009 when they told my husband not to pay and November 2010 when they told me not to pay, my auto insurance increased because of it and in one year, my FICO score has dropped from being in the high 700s to now the low 500. And because of them, I am unable to refinance my home or car to lower my payments. Through all of this, I lost my husband, his income, and have to change my marital status only to have more in taxes deducted from my pay. My take-home income has now dropped to $4,200.00 per month, and the mortgage payments were $2,200.00. I am not trying to run; I am trying to keep my home from being taken away from me.

I am so upset and scared. This has been going on over a year now, and along with everything else, the stress of losing my home is unbearable. We have lived in the home we both loved for over 7 years. And in those 7 years; we were never past due or late on our payments until my husband was told by Chase not to make a payment. I feel they created a mess and have hindered me from being able to do anything about it.

In September 2010, I had requested the support of the office of Congresswoman Ann Kirkpatrick. I finally started getting feedback from Chase but playing the same game. They would ask for more information and then say they had it and then say they did not. So, I would fax it, and they say they did not get all of it. In December 2010, I received a FedEx from Chase with modification documents, not for the 30-year mortgage that I was trying for, but for 15 years.

However, they had given me an incredible interest rate of 2% for 5 years which is progressively increased over the remaining term of the mortgage but not to exceed 5%. They as well reduce my payments by $350.00 to $400.00 per month to $1,688.64. I was thrilled and called Chase to ask a few questions, one because my husband's name was still on the documents, and two, if they were going to repair my credit. The young woman I spoke to stated that the contract was not negotiable and that my husband had to sign.

When I tried to explain that my husband is deceased, she hung up. When I called back, I was able to speak to the representative who was assisting the underwriter who said in reading the comments that I had said that I did not want my home and that they just go ahead and foreclose. I told her that was untrue, and I just had a couple questions regarding the documents. She explained that they could not change the names on the mortgage documents, because it was just a modification and that understandably, my husband's signature was not necessary.

The other question I had was regarding my credit. I wanted to know if it would be repaired, and I was told yes. I immediately signed the documents and returned them by FedEx. I then received a letter dated December 30, 2010 with the original signed documents enclosed. The letter stated they were pleased to inform me that I had completed the requirements for a permanent modification, and my payments would begin on February 1, 2011. I had checked my credit in January 2011, and it still indicated that I was delinquent over 180 days.

I have since written 2 letters to the 3 major credit reporting agencies, stating that since I had paid my mortgage as agreed and that it was my understanding that with the completion of my modification, my credit would be corrected and not reported as being over 180 days delinquent. All three have responded with "It cannot be changed, and you need to contact the creditor for more information." It is virtually impossible to get anyone to talk to me at Chase. I had not given up yet. I have just been trying to figure out what my next attempt would be to get this fixed.

I received my mortgage statement, and on January 23, 2011, I sent my first payment that Chase stamped "Received January 27, 2011." It cleared my bank account on January 28, 2011, but it did not post to my account until February 10, 2011. Now the real horror begins again: I sent my March 1, 2011 payment that shows the clearing of my checking account on February 23, 2011. Then on March 4, 2011, Chase redeposited the payment back into my checking account. I spent 4 hours trying to talk to someone and find out what was going on and was transferred to five different representatives in different departments. Each told me something different, just before they transferred me to another. They said things like "You sent the payment to the wrong address," "Chase never received the payment, and if they had, they would never have returned it to me," "You stopped payment," or that it was impossible that it was showing clearing on my bank account because it was not posted to my mortgage account.

I finally decided to drive to the Chase branch in the Village of Oak Creek to sit down with Lori **. I explained what went on, She pulled up my online personal checking account, checked all the information, and verified everything was correct and was sent to the correct address. She then called the Chase Mortgage department and could not get any answers. She suggested that I give her a check for the payment to be processed at her branch, which I did. She returned with a receipt and said she would get back to me.

I then went to my bank and sat down with Pam ** who pulled up my account and could not understand either. She called another department and was told that Chase refused the payment and that they sent me an email explaining why. First, Chase does not have my email address, So I called Lori ** at the Chase branch that I had just spoken to and left a message with the branch manager who had stopped in while she and I were talking, He assured me that he would give her the message and she would call back. This was on Friday, March 4, 2011.

On Tuesday, March 8, a friend of mine who knows Lori stopped in, and Lori had apparently not gotten my message for the previous Friday, She called apologizing, and she checked in her system. The payment had still not posted to my mortgage account. Lori asked that I send her copies of the check that cleared my checking account and a copy of the receipt she had given me. On March 9, I emailed her the information at 10 am that she had requested.

I had many questions on how Chase was applying my payments, but no one would talk. So I felt it was just best to leave well enough alone, move on, and take what they gave me. If I could afford an attorney, I would get one. But that would lead to whom you do trust. For the first 2 years, I was inundated with offers through the mail (which I am sure were frauds) from agencies which want to assist me with my delinquent mortgage. I figured out that they were getting information from credit reporting agencies, and I sent letters again, instructing them to stop giving out my private information. Then the notices stopped.

I have spent the last 3 years trying to deal and fix this and keep myself together in the midst of all the chaos Chase and the Credit Bureaus have created for me. They provided little to no assistance by refusing to talk to their own customers. I now have to admit it's unbearable to continue this.

Therefore, between the Credit Bureaus providing private information to whomever they wish (even after being told not to) and Chase providing them and me with inaccurate guidance and information, they have intentionally stalled, misled, misrepresented, and lied. Continuing to create an intolerable situation for me in order to take our home, they have refused to talk or help, creating emotional stress, suffering, violating my privacy, among other things. They should be held accountable for what they have done to me, and I'm sure, to others too.

Mr. President, I implore you to help me with this never-ending saga of trying to save my home and my sanity. This bank needs to be held accountable for this mess and commit to helping me save my home. Any assistance you are able to provide will be sincerely appreciated.

I made a payment of $788.94 to Chase Home Finance ** on 2/28/11 via Western Union (mtcn#**). Not knowing at the time that my home was in foreclosure and my payment would not be accepted. My payment was denied and not posted to my account. I have been told on 3/2, 3/3, 3/4, 3/5, and 3/7 that I would be getting a refund back to Western Union in my name in the amount of $788.94. This has yet to happen.

My home was in foreclosure with Chase. When I did have extra money to try to make up arrears on my account, Chase would not allow it, saying that I must deal with foreclosure attorney for reinstatement. I did that, I paid the reinstatement in January 2011. I inquired by phone when would I start to receive my monthly mortgage statements but never got a response. Then, I received a statement a week ago that I was behind and owed two payments, nearly $4,000.

I followed their program for reinstatement amount, sent certified check to bring the account current and pay a couple of thousand in attorney's fees. I am outraged that after all of the things I did to bring the account current, I'm already behind again. How in the hell is that possible? Chase will take my house from me, and I don't know how this can happen. I also received a notice from Chase that I would have to have insurance added to my monthly statement. If they figured the settlement amount, why am I behind and don't have insurance?

I have been calling Chase Home Finance for the past 4 months to apply for a forbearance program. I have mailed in a packet of paperwork of approx 20 pages on two separate occasions just to be told I need to apply for an unemployment forbearance. After 3 weeks of calling and asking for the paperwork, I was informed that I was given the wrong information. I now need to apply for an income forbearance and once I fax my wife's pay stubs. My loan manager would be Timothy. I tried to contact him for one week only to be told I am no longer in that department but have to start the process over again.

I currently have an 816 credit rating. I never have been late or missed a payment in my 43 years of life. I never have had a problem with obtaining a loan. I recently tried to do a refinance with Chase Mortgage (my current mortgage holder after they sent me a solicitation) when I had storm damage on my home in late December 2010 (ocean front property).

I currently am paying 6.375% and tried to refinance only on my current balance and locked in a rate at 4.875% (this would have lowered my monthly payment by roughly $182 per month). When I applied for the refinance, I told the representative, who immediately solicited an application fee, that I was ready to "gut" the interior of my property to do it over (new roof, new deck, kitchen, living room, and bath, etc.) and did not want to proceed with the loan or give them an application payment until they gave me confirmation of approval for the loan. They outright lied and told me that I was approved for the loan due to my great credit rating and perfect payment history and I submitted the necessary application fee of $400. I also informed them that I would begin the work on restoring my property (also letting them know that I had an insurance claim filed as well and wanted to begin my restorative work immediately). They said that is no problem and informed me that a 2nd representative was taking over the process.

The 2nd representative made comments that the underwriter did not seem very happy because they would not make much money on my loan since the new loan would lower the amount of interest that I would be paying this dishonest and corrupt company. They gave me the runaround for six weeks, not returning phone calls and calling me about financial information, that was not mine, multiple times and with the same response, "Sorry about that. We'll look into it. An odd fact is that they told me some calls were recorded and others were not. Why not record every call if they have nothing to hide?

Even when they sent their appraiser to assess the property, he never took into account the storm damage when delivering his assessment, which still came in, even with the storm damage, at more than double the outstanding balance of my loan, meaning that even with his incompetent 10 minute site visit, his appraisal still came in at more than double of what I owe on the property. The end result of their deliberate run around was that they denied my loan, leaving me still with the same loan that I previously had with them, and the only difference being that I am still paying a higher interest rate for the same balance. Ironically, they returned my application fee when I began to threaten them about getting a lawyer and recounted the steps of how they deliberately deceived me throughout the loan process which cost me six weeks of detrimental financial impact. This, to me, is predatory lending, nothing more than a dishonest company not wanting to allow me to lower an interest rate on the outstanding balance of my current loan that I have with Chase.

Also, it is important to note that after multiple excuses by the 2nd representative of my denial, he claimed that they were concerned about my debt to equity ratio, which I explained made no sense, considering the fact that when I first got the loan with them in 2007, my annual income was more than $10,000 less and my expenses had also dropped more than $600 per month since I had recently paid off my 2 car loans that had balances when I was approved by them for a higher loan balance 3 years prior.

Today, my insurance claims check which is endorsed to myself and Chase Bank. When I called and informed Chase that my loan check was coming and I wanted to get a head start on the process to have them endorse the check and return it to me so that I could pay for the repairs, they told me that since my loan balance was so low, they would determine how much money they would allow me to have.

I was deceived and overcharged. I had a reduced mortgage payment for the month of February. I made my payment over the phone on February the 14. I spoke to a customer representative by the name of Laura. I gave her my reference number for the reduce payment, and she verified the amount to me which was $786.01.

I proceeded to give her my banking information to make the payment. I ask her if I was charged the $786.01, and she said yes. Two days later, I checked my online bank statement and it shows a transaction from Chase in the amount of $808.04. This was not the amount that I authorized to pay or was scheduled to pay. They debt my account for over the amount that was suppose to be paid without my authorization.

I called Chase and spoke to the rudest customer service representative (Laura). She put me on hold for hours, and pretend not to hear me on the phone. I finally asked to speak to a supervisor. I talked to Mr. **. He acknowledged the mistake and said that I would receive an reimbursement. Then on February 17, 2011, he leaves me an email that states he can't reimburse me until he receives my bank statement. He didn't leave a fax or a number where I can reach him.

I wanted to ask him why he needs a bank statement when I received an email from Chase stating that they had received the payment for $808.04. Please can someone help me. Chase is overcharging a lot of customers and I think they are practicing deception. I want my money bank without the hassle.

One of my many problems with Chase was that I had a surplus in escrow for more than $1,000 and they decided to kidnap or stay with my money. After many agonizing phone calls to Chase with underqualified and unprofessional staff, and with no clue of when was I going to get my money back, I decided to complain to the Office of the Comptroller of the Currency (I highly recommend everyone to do the same, as the OCC is the government department that regulates the banks). After much debate, and about three months after, I received my long-due escrow surplus check (without interest - I should have made them pay interest for my money they owed for about six months).

Following that, they sold my mortgage services to IBM LBPS. This was done in August of 2010. When I received my 1098 form for the 2010 taxes, there is about $2,000 of paid interest to them for 2010 missing. I called my present mortgage service, and they said that Chase applied my payment of July 2010 also to June, so there were no missing payments in the sense that there appears to be payments done in every month, but that they applied for the July payment to June. They don't know why they could have done that. So once again, I have to contact Chase and talk to unqualified individuals who are going to pass the phone around to more unqualified persons, give me the go-around, making up a story of why they did what they did. Finally I'm going to contact the Office of Comptroller of the Currency again, and I'm going to contact the IRS and tell them that Chase is not reporting all interest gained for 2010, and get an attorney and sue them for all the headaches and all the mental suffering we have gone through because of this.

I was just unfairly denied by Chase for a streamline refinance after being charged a non-refundable $395 application fee. They insist that I do not live at the property even after I provided many utility bills proving that I do. They also state that since the property is a 3-family, it does not qualify. Why wasn't this disclosed to me? 1-4 family is considered a residential loan. They already hold the loan so they would have no additional risk. I have never been late with any of my payments for any loan ever. It appears to me that they are looking for a way to deny people. I even had another mortgage loan officer who is a friend of mine tell me this is what is happening. I will never do business with Chase again and I suggest you stay away from them as well. My credit score is 729.

I have made many attempts to submit mortgage loan modification paper work that Chase says they have never received. They are now about to foreclose on my home and refuse to accept payment on my mortgage. I contact them almost every day to try and track the progress of the modification and it never seems to progress. I am at a standstill and about to lose my home because they refuse to help me or take my monthly payments. My calls are never return when I am told I will be contacted and the customer services team is often rude and unwilling to help as soon as they see the past due account.

We are 2 months behind on our mortgage payments. We have received regular mail, certified letters and personal mail delivery all asking us to please contact them because "we want your home to stay your home" and to ask about their Home Buyers Assistance program. We called, told them our situation and that we would be able to be fully caught up in about 2 weeks when we receive our income tax return. We even offered to give them $500 right then. The first person we talked to was very sympathetic and said that would be fine but he had to check with his supervisor.

Then the man came back and said they had to have $1300 today or we have to proceed with foreclosure. They offered absolutely no assistance whatsoever. All of the mail we had received indicated that there was a program that could help us if we would just call and make an effort. The only reason we did not make an effort sooner was because 2 years ago, we were in the same situation because our business had gone under and again we only needed a couple of weeks to get caught back up. The exact same scenario that I just described happened 2 years ago as well. I was told the same thing then, too.

Basically they offer you help but never come through with it. I realize we have defaulted twice now on our loan, but we ARE trying our best (working extra jobs, cutting out ALL extra expenses) and if they really wanted to help us keep our home they would bend a little bit. Bottom line is they don't care. Don't do business with them if you don't have to.

Chase forced me into foreclosure proceedings. Chase would not permit me to make a mortgage payment to stay out of foreclosure. I was making December payment which would put me two payments behind in January 2011. I spoke with a representative named Carissa, who informed me that the system would not permit single payment but expects the full amount of $3,000 instead of $1,039.00. She indicated that if the payment was mailed in, it may be returned if not for the full amount. She said that the only way to ensure the single payment was processed was to do a phone payment.

I called Collections and spoke with many representatives, specifically with supervisor Naroika **. She confirmed what the representative indicated--that I would have to make November and December payments; otherwise, they would reject any amount less than two payments. I advised everyone that I spoke with at Chase that I can only make one payment because other resources were not available at the time. A few weeks prior, I spoke with another Chase representative named Carissa informed me that I could and she even gave me other options to avoid foreclosure.

July 2007 was my last mortgage payment to Chase. I paid on time (never being over a month late) for 2 years prior to July 2007. At that time, Chase increased my payments to almost double what I was paying, because according to them, they have created an escrow account for me since I didn't pay my property taxes and insurance. They said they couldn't tell me how long I would be paying this, because of some crazy response I can't even repeat.

Let me backup. Chase kept on me almost every other month about homeowners insurance. I had to show homeowners insurance proof constantly to them. I showed them proof over and over, and it seemed to me I was harassed constantly. They would send papers asking for proof of insurance, and I would constantly have to show proof back. So at the time, I did have AIG homeowners insurance.

Just recently, I have found out that the homeowner Insurance Chase is using for force placement insurance here in Kentucky is being sued for unfair business practices. The name of this business is American Security Insurance. Of course, I knew this was coming. My regular homeowners insurance from another company was anywhere under $500 a year, for a 90,000 home. But American Security Insurance under Chase was charging me around $1600, and they would not even cover any personal property, just the property itself.

Actually, the attorney Chase uses also underwrites for American Security Insurance, talk about a conflict of interest. I excused myself from the settlement with that suit, because I hope to sue them individually. Moving on, as far as the taxes go, Chase may have paid some taxes now, because of this dispute; but at the time, I know I paid my taxes. Just like the Mortgage company I had prior to Chase, EMC Mortgage, Chase somehow paid double taxes or a bogus tax. I have 3 taxes a year, all 3 amount to less than $1000. Their escrow was really off.

Chase has tried taking me to court at least twice to take my home, but the court wouldn't allow it, because Chase can't even show proof how they obtained interest in the note and mortgage on my home, not to mention also escrow errors. The thing is, although I'm still in my house, I can't make any improvements or anything till this is settled. Right now, were at a stalemate. Why? I don't know, because after all this, I think I should be able to have my house.

I had talked to Chase several times prior to this mess, before completely cutting off communication to them due to personnel who were very unprofessional. Now, I can only speak to them through an attorney. Right now, they have finally agreed to a modification, if I can start paying double and more of what I used to pay. They added like $30,000 more for all the years we were in dispute, and they seemed to be blaming me and adding charges to me, for the court denied summary judgment to foreclose to them.

There is no way I can pay double what I did pay. I'm a single mother. I got so fed up at one time that I wrote a letter and tried giving the house back. But they wouldn't take it back. They just seem to want to go through foreclosure! Could anybody help out there! Clark Howard, Oprah, somebody from CNN. Please, please, I need a way out of this mess!

Chase agreed to a short sale contract for a house we have been trying to purchase. When the appraisal came in $3K lower than the contract, Chase threw out the contract stating, "If you want the house, pay the extra $3K." They are holding the property hostage and refuse to negotiate or have the house revalued. When we counter offered, they raised the price again for another $111.00 and stated, this was added to make Chase "whole" on the net sales price of the home.

We are actively fighting them for unfair business practices and will be contacting everyone from Obama to the local BBB to ensure that as many people as we can influence will know that Chase is less than reputable and needs to be put in check. They received millions in tax payer bailout money and then screw the same taxpayers attempting to invest and grow in a depression.

I have been undeniably cheated by the loan modification process from J.P. Morgan Chase. I intend to collect enough evidence to initiate a federal investigation. If you, or someone you know, had a loan modification process mishandled, please go to my blog: **. Families become homeless; I will soon be one of them.

In December 2008, and before Chase forced our mortgage delinquency and nightmares, we tried to make efforts and attempts to pay towards our required monthly payment with accordance under the contracted agreement, which specifies any payment less then the regular required payment will be submitted and the balance due forwarded under an escrow account until paid in full. Our lender breached that contract agreement and refused to process any payments less than the required monthly payment, (not once, not twice, but three times). This neglected breached contract action caused us to seek help with a possible modification eligibility, and to prevent foreclosure being filed against us at the end of January 2009.

We hired and paid $2,500 to a company (The Realty Factor) to represent us for a modification and legal foreclosure prevention. We were served foreclosure papers in April 2009. After so many frantic phone calls to both our lender and the company we hired, we finally got approved for a modification. Our monthly payments during the modification trial only reflected a payment deduction of $200 from our normal mortgage payment. We paid those trail payments as required and submitted all paperwork they requested from us, which started the beginning of June 2009. August was our 90th day month, but Chase stated, (through emailed statements), the modification was almost complete and they needed to extend the trail for the month of September, we complied and sent the payment without any default.

Just a few days after the extended payment was cleared and the modification was complete and being processed, Chase then contradicted themselves by claiming they never received all the required documents to complete the modification. They lied! Being concerned of losing our home and we felt misrepresented and our modification contract was breached by both our lender and The Realty Factor, we hired a real lawyer through KEL Attorneys. Our modification efforts failed and was never closed, but was breached by our lender! Our attorney found default in the foreclosure complaint and filed motions against it. That case is still in limbo through the backed up courts. In the meantime, our lender has abused the account, which the unmodified modification was assigned to and have used it against us by interfering with our homeowners insurance payments and paying off our contracted property tax payment plans for which was never defaulted or behind on, and our lender is paying from a fraudulent escrow account. We have been paying our own homeowners insurance and property taxes since 1999 without disruption, delinquency, or defaults and continued to do so even after foreclosure procedures were filed and during the modification trail period! Now, Chase is building a new debt against us simply by interfering with our homeowners coverage and property taxes! We are so sick of these demeaning and fraudulent actions that it is no wonder people are committing suicide!

Our credibility, our credit record, our payment plan contract agreements with homeowners insurance company and quarterly payment plan and agreement with our property taxes, our mental and marital stressed lives have been totally disrupted, twisted, and compromised! Our long-time built up credit and credibility has been altered and dissolved like trash in a dump yard! I worry about if we will finally reach that mentally suicidal breaking point. I fear we are closer then what I'm willing to admit too!

Banks need to be held accountable, but all justice is showing us is banks are beyond the laws and consumer protection acts!

I have been trying to get a loan modification from Chase Bank for the last 2 years. In October, I went to their foreclosure prevention with my complete package, believe me "complete" for I have been at this for 2 years. They assigned me a personal adviser who dropped the ball and stalled my package because he was too busy. He eventually handed it over to someone else and by that time, I was served with a NOD, notice of default on November 10th, 2010.

I have made numerous phone calls to find out the status of the modification, but no one ever calls me back. I took off work yesterday to go into the office physically to speak to someone personally. No one has paid attention to my file and soon I will get an NOS, notice of sale. I have done everything right to try to save my home and my dignity, they just don't care. I have a lease car that is due up in March and I can't get another one because of this default on my credit. I am 34 to 1, meaning I have 34 accounts in "A" standing and one (the house) in the dumps. I am a single woman just trying do the right thing.

We applied for loan modifications for our first and second mortgages (Indy Mac on the 1st and Chase on the 2nd) back in October of 2009. By December or January, our first mortgage was modified. As of today (1/11/2011) however, our 2nd is still in limbo. Chase has been dragging their feet and using every excuse in the book to stall, saying they lost our paperwork or assigning someone new every few months. We are not looking to shirk our obligation but being harassed the way we have doesn't help when things are already bad enough being unemployed.

Despite extenuating circumstances (costs associated with an international parental kidnapping), Chase mortgage has refused to offer us any refinancing, has been obtrusive and non-responsive in the short-sale process and appears to be going forward with foreclosure on our home.

We began modification of our home loan in about November 2009. We had missed several payments due to a failing business. We contacted them and had everything in place including trial payments. In February or March, we were asked to resend our income. I specifically asked if they wanted our "old" paystubs already sent in, or new ones. They said the old ones were what they wanted.

They have said that all faxes were sent to them and have been received. The next month I was asked to resend the same information. The loan was said to be approved on April 28th. We received documents for step two of the modification process. I signed it POA for my husband. I hadn't heard anything further, so I phoned them again in mid-June. The representative said that everything was fine, no paperwork was needed, and go ahead with the modified payments. I told him I would be out of town, and would send the payments.

When we returned, end of August, everything was still fine. At the beginning of September we received another "making homes affordable" door hanger notice, and I immediately called Chase. They told me at that point that the loan had been denied (two months after the modification was to start!). I called Rita ** at pueblo works (hud) representative and she called Chase with both my husband and me present. She was told that the loan had been denied, but was being reworked, and nothing further needed to be done. I expressly asked her if I'd done anything wrong in the process. She told me no, that Fannie Mae didn't like the low interest rates quoted, and that most likely caused the denial of the loan.

Around that time, Sam ** took over the loan process. He told me we would have to resubmit new paperwork again. We did that. My husband was on vacation and due to that we showed a lower month's income. We missed seeing the question about Gary's birthday, due to everything else being prefilled out. Chase "supposedly" called us, and we didn't respond. Neither Gary nor I got a call. They sent out a new packet to fill out, but not knowing why they resent the packet, we copied what we'd previously done, and sent it in.

We found out afterwards that they were missing the birthday, and tax information form. We refaxed it directly to them the same day. This was in November 2010. Since Nov. 1, we haven't received any calls from Sam **. We have tried repeatedly calling him the entire month. We got no response! Usually with phone calls he would answer. We were told that his number changed, and no call back. To date we have made every payment on time or early to Chase, first the trial payment, then the modified payment that began in July. We have made every effort to work with Chase. We have called, yet we only get automated phone calls from them, or "no calls" that they claim to have made.

Yesterday, without notice from anyone, we received notice from Denver Lawyers that Chase is beginning foreclosure! We have always stated that we want to keep the house. We have made payments in accordance to their requests, and maintained them. Now, we are in the rears of about $17000. This isn't fair! Please help us! Get these crooks off the streets! How many families are they playing games with?! We are honest, and have truly done everything to make it right. The banks get bailed out but we get forgotten.

I currently have my mortgage with Chase bank. I have been trying for over a year to get a modification. Every person I have spoken to has instructed me to do something else. I have tried to make payments and have sent them everything except my blood. The process has taken so long that the last time I spoke with someone last week they said you can't send any money because you're in foreclosure. No one knows what is going on but as a result they now want $31,000.00. If I had that kind of money, a mortgage payment would be no problem. My father bought this house new in 1962. My family, children and grands are with me and I do not want to lose my house. I am again in modification through lost litigation.

I feel like all I have done is run in a circle and nothing is being resolved. I have a good job and work full time. My children who reside with me (they're 30) have also provided financial information. Please, I don't want to loose the house that has been home for 49 years. This house was paid off and when my father passed away. I inherited his home, sold mine and in the mean time and I refinanced to pay a contractor to make modifications to enlarge the home and was going to pay mortgage with money from home sale. However, since 2006, I have been trying to complete the work and have an attorney to recoup some of the $119,000 I spent to do this work. I have no savings, no retirement, no credit and the only life insurance I have will cover me as long as I die on the job. I have no where to go and don't know what to do to begin to repair this matter.

I have my home loan currently with Chase. I checked them and another group for refinancing and chose the other group to move ahead with. My settlement date was for 12/22.

Chase had been escrowing my Collin County tax - approx $5000. I saw that Chase deducted the $4800 from my account on 11/22. I learned on 12/17 that the County never received a payment. Somehow, Chase had the money in its possession and did not pay the County. In talking with the County on 12/17, I learned that the large lump sum of tax dollars were not due from Chase until 12/30 which would mean they would have my money in their possession from 11/22 through 12/30.

Then I called Chase Bank on 12/17 and they said it was 'in process' and they could send a letter of disbursement that my title company might use. 12/20, I learned that the title company would not accept the letter of disbursement and needed to show the taxes paid. I called Chase Bank back 12/20 and told them I was refinancing and I needed them to pay the taxes by tomorrow Tuesday. Chase Bank told me I should come up with the $4800 some other way or reschedule my refinancing because they could not really move any faster.

I am furious that the bank appears to be using my money and I believe a lot of other consumers' money to earn interest before they honor the tax obligation -- basically they are using my money to earn money and delaying a County tax payment in a way that causes me to come up with another $4800 or delay my financing. I believe that the bank is supposed to be entrusted to handle the escrow funds appropriately and should not be able to earn massive amounts of dollars off of consumers. I believe they are likely earning millions of dollars off of consumers doing this -- doesn't seem right.

My husband got laid off in March of this year. Before that, he was working in Afghanistan and making a good living (approximately 160,000 to 170,000). I haven't worked since 2008. As soon as he got home and filed for unemployment, we called Chase, who has financed our home. We told them of our situation and asked what our options were to keep our home. They told us we should apply for a home modification loan.

I went online and filled out the paperwork, got all the information and documents they required and then I went and faxed them in order to get them there quicker. After I did that, I also sent them in an overnight shipping. A few days later, I called and they said that they had not received our paperwork. The overnight package had been signed for by an employee, yet it is still nowhere to be found.

This was the middle of April. I have been calling and faxing documents ever since. I was told to fax the paperwork from a Chase branch, so that it was guaranteed to get there. I don't understand that. Where do faxes go? We have been told that we have to keep our payments current in order to get a modification, and then we're told that if we aren't late then it looks like we don't need help. We have been given different phone numbers and fax numbers to send our documents to. The people that we talk to are rude, and insensitive and tell us we can either send in what they need or get foreclosed on. We have complied and we call in often and are constantly told that they need more information. I had talked to a HUD counselor, and we called Chase Bank together, but the lady from Chase told us that she did not have all of our documents. These documents have been faxed several times in the last 6 weeks prior. I faxed the documents again that day, and two days later we got together to call since they had everything that they needed, but the employee refused to talk to us without written consent for the counselor to be on the line with me.

The mail that they send out takes an enormous amount of time. I asked them why a letter was written to me, but not sent out for another 5 days. They don't know, that is the mailing department. When they don't receive my faxes, they say they don't know,that it is done in a different department as well. On August 16, 2010, we got a phone call from Debbie ******, who was our relationship expert and she said that since she hasn't received our bank statements, she is going to have to deny our modification. I had faxed those statements on June 3, and called on June 6, and the Chase employee told me that they had all of our information. I faxed them again on June 4, June 15, June 16, July 2. On July 6, I called and Tanisha ***, a Chase employee told me that all information is there and it has been sent for review.

I called again the next day and was told that they needed more information. I again faxed what they needed on July 6, July 15, July 21, July 27. I called and was told again that they had all of my information, and I would be contacted soon. When Debbie ****** called me, I explained all of the dates and how I had been treated and she still said that the documents were not complete. She said I didn't send in my complete bank statement. I explained that this was my statement and she said that there is a number in parenthesis and the number of pages did not match. I then explained to her that the number in parenthesis is the number of checks that had been written that month. She looked it over and then said "yeah, you're right".

She then said she would look it over again and get back with us. On August 18, 2010, we got a letter that says "your housing expense must be greater than 31% of your gross monthly income to be eligible for a home modification loan. I called them back and they said that we applied for the wrong loan, since my husband was unemployed, we should have done a different one. They sent us to another department and we applied over the phone and the employee said she would mail the papers. It should be 7 to 10 business days.

After 2 weeks, I called back and was told "oops, they haven't been mailed out". This new employee said she would mail them out this same day. I waited for 2 weeks and did not receive any papers again. I called back and I was very upset that a month had gone by and I had not received the paperwork to fill out. The male employee this time was very rude and told me they had been sent out 2 days prior. He sent them overnight mail. I reapplied, but then my husband had gotten a job. So now we have income. On September 16, I faxed the modification application in.

On Sept 22, I got a letter stating that they need more information. I called Chase again to find out that nothing that I had faxed in on Sept 16 had gotten there. So, on October 4, 2010, I sent in another whole completed package. On November 18, I sent in another completed package, after I was told they didn't get the last package. On November 24, I was told that they had all the information and it had been sent up for review. On December 3, I was required to fax more information.

On December 6, I was told that they needed me to fax in my bank statement again. The man that we talked to said that it looked like I had printed my statement off the internet and that it may get thrown out because of that. I told him that my statement is front and back and the only way to send the back is to copy it and I wrote "this is a copy of the back of page 1" and so forth. He said okay, everything looks good; it will be sent for review.

On December 13, I called and everything had been received and we had a new "relationship expert" named Nancy ***. The employee said she will leave her a message to call us in the next few days. We haven't heard from her. We were given her phone number but we are unable to use it because her extension is 6 numbers and you need 7. Nobody at Chase can help us, they don't have any way of finding her 7 digit number.

On December 14, I called and talked to Terri. She said it had been sent for review but was now on hold because of my husband's VA disability. We had to prove that he gets it, besides seeing it every month directly deposited in our account, and the letter I gave them from the VA Disablility Dept was from back in 2008.

They are not sure if he still gets it. My husband's disabilities will not be going away, and unless they change something drastically, he will be getting paid for the rest of his life. Terri said she will have our "relationship expert" contact us. We have not received a call yet. So, we are almost 4 months behind and this is the treatment we are getting.

We have not heard from our relationship expert ever. We are now told that every paycheck and every bank statement needs to be faxed to them asap. The fact of the matter is, my husband is going to be making $42,000 a year, instead of $160,000 a year. We cannot pay a $1150.00 a month house not on 2888.00 a month. We need some help! Today, I called in to try and find out the status of our modification loan and the first lady that I talked to, Yvonne, told me that we needed documentation for Charlie's disability.

I asked her what the status of our loan was and she said that it had been declined because we refused to send in the needed information. I asked what that is that they didn't receive and she said it was the 1st page of the modification loan (this page only tells us how to fill out the papers) and there was a blank page from my bank statement. I explained to her that my statements are front and back and in order to fax them or send a copy I have to copy the back also. I always write on the copied one "this is a copy of the back of page__" whichever one it is.

I put my loan number and names and address on every piece of paper I send them. I also told Ginger that I have never gotten to talk to Nancy ***r. She said, "oh, so sorry". I asked her if I could talk to her now and she said, "No, she is not your counselor anymore". I told her that I had been trying for the last 10 days to talk to her and that she won't call me back. She told me all I could do was reapply. When I asked her again about what documentation I need for Charlie's disability, she doesn't know either.

I have been documenting, calling, faxing, sending, and I am getting nowhere fast. I am about to be 4 months behind. My husband broke his leg at work and had to have surgery to fix it and put in a screw and in January will have to have another surgery to take it out. It is his left leg and he is unable to drive. I have been home sick for the last 4 weeks with pneumonia, bronchitis and asthma. I will go back to work tomorrow, but I only work a few hours a week. I don't think they should treat us this way. We are coming to Chase to help instead of trying to avoid the problem.

Between August 2010 and October 2010, I had contacted Chase about a loan modification (type of refinance). I explained it was getting difficult to make my monthly mortgage and contacted them for help before it got to that point. After 30 to 60 days, I was told over the phone that I was denied and did not qualify for any loan modification programs.

We have never escrowed our taxes and insurance. Both of these I would put on credit cards and pay or pay the lump sum when due. Thus leaving my monthly mortgage payment as low as it could be. It was easier to pay lump sums because I was self employed when I purchased the house. Because of the economy and my husband's medical school schedule, we sold our business and would still use credit cards to pay the annual payments on the taxes and insurance (never delinquent).

After the modification decline, Chase put everything into escrow. I did find out through our insurance that they escrowed and I was able to change it. I called Chase and they said they automatically will escrow when you apply for a modification. No paperwork of any kind disclosed this. It is December and taxes are due. Half will go on credit card, other half will be paid (our city allows to pay second half by March) by income tax money back.

Chase has not contacted me and has continued with the escrow. I went to them needing help lowering my monthly mortgage payment I now owe more, $251 more a month. They will not stop the escrow. My credit card payments were less. No paper work ever explained they would automatically put it into escrow and from what a supervisor explained to me over the phone, if I had been approved I would have received the paperwork telling me about this escrow change.

We represent thousands of Colorado residents who have hope in The Affordable Homes Program. In theory, when President Obama explained the program, it sounded really hopeful in this economy. But we are not sure if these were just words or someone who is supposed to be implementing this program is not fulfilling their duties. Our case is one of many we hear about in which the program did not work.

In July of 2009, we sent all of the required paperwork to the Program Making Home Affordable Chase Bank in order to take advantage of the program. Nothing was said to us as far as the timeline of when we would hear back with some sort of results. Since then, we have been on the phone with Chase Bank representatives (they call them specialists) with zero results. We get a different story each time. Last November (2009), finally someone told us that they have not received any of our documentation and there was no record in the bank. Right then and there she has arranged for a quick interview and said we qualified for the program. She has said that we were ready to enter a trial period of three months (we make 8 payments on time of trial November through June #1). But we had to resubmit all of the paperwork that has already been previously submitted by us.

On December of 2009, we received a letter that said our trial payment has not been received. We did pay by phone on December 10th. We kept receiving this type of letter. If you see, we did pay on time all the trial period (copies attached #2). We have kept calling every week or two to check on the status of the process with no resolution. In the meantime, they kept asking us for copies of our 2009 tax returns, even though they had a signed authorization to check with IRS. We have faxed those taxes at least 10 times to the bank. Each time we called to check with the bank and got confirmations of receipt from the people on the phone (copies attached #3). The time has passed by. We kept calling every week.

On May 26, 2010, we received a letter that we didn't get in the program Home Affordable Modification because we didn't provide them with the documents that they requested in the time frame (copies attached #4). Mr. Senator, you have no idea what the level of my family's frustration is. We called again and spoke with another specialist Mike. He said that he doesn't understand why the denial letter was received by us because he saw in his system we are in the program. That was very exciting. Mike made my day.

Several days later, at the end of June, we finally got the contract. They were going to reduce our payment from $1064 to $818.82. The contract explained that for seven years, the payments were going to be fixed at $818.82 and subsequently would go up but not to the original level of payment (no copies of the contract, we sent all the package sign and we never received our copies back). We were telling our friends that the program works, and that it was worth keeping up communication with the bank no matter how frustrating the process was. Each time I called, it took me up to an hour to get through to someone.

On July 15th, the bank cashed the check of $818.82 that we sent with the contract, they call a quick payment (copies attached #5). They advised us that our first payment was to be August 5th. We signed the direct deposit for the new contract ($ 818.82). It was established in the contract. We kept calling the entire time to check on the contract status as we never received a copy of the new contract from the bank. Each time we called, we were told, we were approved: "Please do not worry about this. You are in the program now. Your first payment is going to be September 5th."

The problem arose when our funds were not taken out of our account for the mortgage payment ($ 818.82). On October 1st, no money was taken out either. We called and checked - once again we're told: "No worries." On September 7th, there was an envelope received by us. It turned out, Mr. Senator, there was a same contract with different numbers (copies attached #6). Now our payments were going to go up from $1068.66 (original payment) to $1071. We called once again; they told us that there was a mistake in their system. We called Chase and asked whether we had a choice. They said no. What a joke! (our economic situation was and still the same). We didn't sign the second contract. Chase kept sending us bills for $1067.99 (the trial amount). Each time, we paid on time, November and December (copies attached #7).

On December 9th of 2010, the day of our 32nd wedding anniversary, we got 8 certified letters and other 8 letters in the regular mail (copies attached #8). They said that we were in default because we failed to pay the required monthly payment since 03/01/2010. And if we don't pay within 32 days of this notice, Chase will accelerate the maturity of the loan.

We are attaching copies of all the payments in 2010 (copies attached # 9). Only 3 payments are missing: August, September, and October. These are the payments that Chase was supposed to take from our account. But they took July's payment (direct deposit $818.82) as per their initial instructions. Mr. Senator, this is our last hope to have justice. We are not the only people in this boat. But we feel that it is our duty to inform you what American families are going through on a daily basis.

As you know the banks are hiring people with no experience and they give no training at all. And we the people are paying all the consequences. We are so tired of all this game that Chase has been playing with us for almost 2 years. Please help us! All this process has been a torture. The stress is killing us. We don't know if tomorrow we're going to have our house. We don't want to give up! All this time we did everything Chase told us to do. We send all the papers every time they ask for it. We didn't miss any payments in this long period of the trial. We don't know what else to do? Since this is a really long story, we can send you a power of attorney for our Chase account so you can see the entire detail.

We know that they have all the records, as each time we called we asked to confirm the notes from the previous conversation. And you will also find all of the documents and the two contracts that they sent us. The American dream Mr. Senator became an American nightmare. PD. On December 11th, we got another 4 certified letters and others 4 letters in the regular mail (copies attached #10).

I requested a loan modification from Chase in August 2010 but was denied. However, Chase took it upon themselves to pay my homeowners insurance without notifying me. I found out when I noticed the insurance company did not deduct the next month's payment from my account. Upon contacting Chase, I was informed they also paid my property taxes because that was one of the conditions of modifying my loan.

I informed Chase that I paid my own property taxes and that I wanted them to correct this error. Chase requested my proof, I sent it by fax from a Chase bank branch. They said they did not receive it. I emailed them 11 times. Each time I was told to contact Chase via telephone. I did that no fewer than 12-15 times. Chase sent me a letter on 12/13 supposedly as proof they paid my taxes. I went to the Tax Commissioner's office in my county. I was given a printout that they refunded Chase's payment on 10/12/10 via Courier. However, Chase continues to claim they have not received a refund. I am feeling harassed and drained trying to resolve this issue. At this point, I don't know what else to do short of giving Chase my property back. No customer should have to be beaten mentally and physically over any matter that should not even exist, especially after proof has been provided.

My name is Hector ****. My wife and I are retired we have been living in ***** ******* Ave, Norwalk, CA 90650 for 16 years. Furthermore, I have tried to obtain assistance from Chase JP Morgan since 2009 due to my wife's poor declining health and going in and out of the hospital which has caused an economic hardship. After pleading with Chase JP Morgan, they finally placed me on a trial payment plan. I have been in compliance on a trial payment program for several months and faxing document to the modification department. I was devastated. Without notice we were removed from the trial payment program. In addition,they denied me for a modification with Making Homes Affordable program after I was assured I would be placed on the Making Home Affordable program. Now Chase is demanding all the arrears of the mortgage payment. I am emotionally distressed with the way Chase is treating my home loan. I feel they don't value the customer.

I want to file a complaint against Chase for their practices and procedure. In addition, I want Chase to be investigated for not being in compliance with the guide lines of the Making Home Affordable program they signed in order to assist homeowners in this economic crisis we are facing. I have been patiently waiting for over a year to get a modification they had assured I would be getting, and now they continue to give me the runaround with no hope. My family and I want to keep our property and not suffer the devastation of foreclosure and be left homeless especially with my wife's declining health. Thank you for your time and attention to this matter.

Early in 2008, my hours began to slowly get cut back where I was employed. As the year continued, I had my free gas taken away, plus my hours were cut back even more. Then in July, the company shut down their Sawmill Division and moved me to their Logging Division at which I had no experience, but was fortunate to keep my job. However, it came with another pay cut. I was then offered a job with a man who attempted to purchase the sawmill that I previously worked at. It was supposed to come with a pay increase and guaranteed hours. It turned out to be a complete failure. The man lied his way into getting companies to supply us with lumber and parts.

At this time, my girlfriend was working there as well and we made the announcement on a Friday that we were going to have a baby. The owner was made aware of this over the weekend, and come Monday my girlfriend was being laid off. I confronted him as to why he laid her off, when another employee, which he was advised by my supervisor as well, was less needed and made more money an hour than my girlfriend. Next thing I know, I got fired for "insubordination". I was denied to receive unemployment benefits and went through all the appeals process each time the man is changing his reason for firing me.

Well, I went 3 months without a job and before I knew it, I was severely struggling to pay my bills. I was 2 months behind on my mortgage and had outstanding late fees. I couldn't say for certain how much the total was, but it wasn't more than $2000.00. When the home modification program was issued and initiated, I immediately applied. I received the packet and got all the required paperwork together and faxed it in. I then made my reduced payments for the three months as I was supposed to and kept waiting for my finalization documents. Towards the end of the month when my next payment was due, I still had not heard anything so I called and was told to continue making the payments. It was probably 8 or 9 months later when I received a notice that I had been declined.

About the time this happened I was made aware of a chance to go to the World Congress Center in Atlanta and there would be people there that could assist me in reapplying. I took the day off of work, drove up there, paid $20.00 to park, only to find out that my mortgage company was holding their own assistance gathering at the Hyatt Regency in downtown. I said, "Heck, yeah, I can deal directly with my mortgage company, this should make going through this process a lot easier."

Well, I met with a "Personal Advisor" who helped me fill out all the paper work and made sure all my documents were correct and good to go. We sent the packet in from there and I left with a big sigh of relief. I continued on with my life, making my payments as I was supposed to when I received a call from my "Personal Advisor" that I had been denied again, and that they were going to be at the Hyatt Regency again on a certain date, and for me to come back up there with my updated documents and we would refile.

I showed up, went through, and filled out all the paper work again, and was told that the reason I had been denied was because I didn't make enough money, even though I had been making these payments for over a year at the time. Well, here I am again, still receiving letters that I need to send in updated paperwork, and no word on where my modification stands. I recently sent an email to my "Personal Advisor" asking where my modification stood at the present time. After a week of no response, I called his personal line and left a voicemail stating that I had not heard anything in response to my email and thought maybe he didn't receive it. I then left my email address, cell phone number, and I think my home phone number and asked if he would let me know something. It's been two weeks now, and I have yet to get a response.

I am now a little over $11,000 behind. I honestly believe that they purposely drag this process out just so they can eliminate the ones that get frustrated with the process and it saves them from having to take the loss that they supposedly incur from this. I don't know how they could incur a major loss with me when I've been paying 9.6% interest since the year 2000. Well, I can't afford to give up; I have two children that I have to provide for and I will work myself to death before I let them want for a roof over their head and food on the table.

In January 10 I had called Chase to ask for a home modification or to see what they could do to help me since my payments were behind 2 months. I was told I didn't qualify. I called again, and was told they would send me a modification package, fill it out and send it back. I did and never heard anything back. I sent it in via US mail. Then I asked for help through a local government agency who tried to get info from Chase but kept hitting dead ends. They said it had been sent to an attorney. When the attorney was contacted it took them 6 weeks to send any documentation to the county.

By then it was 2 weeks before the sheriff's sale, and Chase bought it back. I have filed a complaint with the O.C.C. and with the Minnesota Attorney General, but not much has been done as of yet. I was injured in 08 and can't find steady work that is within the restrictions I have.

Knowing this, Chase has, I believe, purposely dodged the responsibilities of making anything affordable to those who have been injured through "Making Home Affordable Act". Once my house was sold in May of '10, I was not able to find anyone who would finance me for a mortgage because of the bad credit mark on my report. Since then, Chase has denied any wrong doing, saying it was my fault and that they didn't receive any modification application that it was supposed to be faxed and not sent by mail, so I'm told now there was a mailing address and fax number on the application. I called them after the O.C.C. notified them of an investigation. They basically said that I need to prove it, and until then, they did nothing wrong.

My credit has been severally damaged. I and my family have to find somewhere to live, which in most cases they go by your credit score anyway. Leaving us in low income/poverty accommodations, which for a family of 5 is very hard to find. This is very physiologically stressful not only to moms and dads but especially to children.

Two years ago, I started the process of requesting a Deed In Lieu of Foreclosure with Chase Home Finance. I was contacted by the agent assigned to this request in February 2009. At that time, the agent advised me that I would most likely need to vacate the residence within 6-8 weeks. I found an apartment and had moved out of the residence within 4 weeks. I had not heard anything by June 2009 and immediately began calling the agent.

My calls were never returned. I did finally manage to speak with a service representative who advised me that Chase was waiting for approval from the VA, but could not give me the name or phone number to contact. It took several phone calls to the VA, but I did find someone who could help me. Chase, however, was wrong. The VA had nothing to approve in this request. The VA rep however, was able to contact the Chase agent and get the process moving again. In August of 2009, I received all the necessary paperwork from Chase's attorney. That paperwork was completed, returned to the attorney, recorded, and returned to Chase by November 2009.

Again, I called Chase several times to find out what the problem was. In September 2010, I was asked to fax the documents that had been notarized to Chase. I faxed these documents, and in early October 2010, once again called Chase. I was told that Chase was finally acknowledging the Deed In Lieu of Foreclosure and that everything would be finalized within a week. I just found out this week that my account is still with the Foreclosure department, and that the Deed in Lieu has still not been processed. What do I need to do, or who can I contact for assistance with this situation?

We bought our home in September 2008. We were told we had to have mortgage insurance and the premiums were $64.95 a month and we put down somewhere around $2400.00. Six months after we bought our home, my husband was laid off from his job so we applied for a loan modification. We received a letter in the mail stating we did not need mortgage insurance and the money we put down at closing would be refunded to his, which it was.

We were told our payments would drop when the premiums were dropped and the money we had paid out monthly would be refunded to us, which never was and they kept making us make the full payment with he premiums added for months before they finally took it off. After waiting months and making 3 trial modification payments, we were told we could not get a modification because my husband did not have a job. Two of these payments were short $266.00 each. So in February 2009, I made a full payment plus the $532.00 to make up for the two payments that were short. Before that, we were only one payment behind.

They harass us by phone and mail saying we are three and four payments behind, which we are not. I have figured up every payment that has been due on this mortgage and every payment they have taken out of our bank account, and it is only $754.00 difference, which is not even one payment. Our payments are $1226.91. The two payments we were short on, they put in suspense and never applied to our loan. We are one payment behind and if you count the 2 trial payments, that would be 3 payments which they are saying we are behind. We made those 2 payments and they are not being applied to our loan.

Also we found on our doorstep today, a plain envelope with the number 17 in the corner. My son brought it in to me and I opened it and on a plain index card it said. "Please call" and it had an 800 number. So I called and it was Chase. This was very unprofessional! Nobody knocked on the door or anything, just dropped it on the porch. If there is ever a class action lawsuit against this company for stealing money, I would like to get in on it, because that's all this company is doing-- stealing money.

Also last year, we had $339.00 surplus in escrow and surplus this year and we have never seen the money and then it disappears from escrow. This modification thing is a joke, it's a way for these mortgage companies to get you behind on your payments so they had foreclosure on your house. These companies should be put out of business the way they are treating people that have lost their jobs and are trying to keep their homes.

I have reason to believe that Chase bank is embezzling money from my escrow account. I get my escrow analysis report at the end of the year and it says I have a surplus amount of so much and when it restarts itself the following month its missing $1200 and no one knows where it goes. I over paid my escrow $2300 dollars and never saw a dime of it and now its just gone. They are supposed to be sending me a check for $1400 and they say they have sent it but I have never received it. Meanwhile, they still owe me $1100 at least on top of that. I had to file for bankruptcy because of the fact that they are holding thousands of dollars of mine and bogus late fees that they keep charging me.

I had inquired about the mortgage modification program and decided that the program was not for me although Chase did approve me. When I realized that they were only going to reduce my payments by $40 a month, I decided the repercussions were not worth the savings. I contacted numerous individuals by phone and wrote three letters requesting to be "opted out" of the program. Chase has now stopped taking my monthly mortgage payment out of my bank account even after I sent a payment FedEx and have proof that they signed for it. I have never missed a payment in my life or even been late, however, I can't seem to convince Chase Mortgage to take my mortgage payment.

They are rude. They put you on hold forever or just plain cut you off. I have never dealt with a more inept company in my life. I just want my life to go back to the way it was, me making my monthly mortgage payment from my bank account on the first of every month. Is that too much to ask? No one seems to have a clue. They now tell me they can't put me back on auto pay until February. I have kept documentation of everything. It is almost like they want me to default on the mortgage payments. I have paperwork that says nothing would go into effect unless I sent the new payment with the payment coupon starting Dec. 1st. I never sent it. I don't want to be in this program. I just want to make my mortgage payment and be a good, law abiding citizen!

My name is Gregorio **. My family and I currently live at **. We have been living here for 15 years. In 2009, with the economic crisis we are facing, my wife and I had a reduction in work hour causing a hardship and we became delinquent on the mortgage payment. I proceeded to call Chase for assistance on my mortgage, following several months of faxing documents I was placed on a trial payment on 11/01/2009. I continue to make my payments on time. Furthermore, I have been constantly faxing documents to the underwriter and I have not received any response on my modification. Consequently, my property will be auctioned on 12/08/2010. Relentlessly, I have maintained my trial payment. I would like to file a complaint against Chase for the manner they process the modification.

I feel they are prolonging the modification in order for the homeowner to be foreclosed. I also want Chase to be investigated for misleading and misrepresentation of the modification by constantly advising us we are in review for a modification and requesting documents that are not in compliance with the guidelines of a modification under the Making Home Affordable. They are creating their own guidelines. In addition, the underwriters are not being trained appropriately on the modification. They continue to request documents not pertaining to a modification. My family and I are extremely anxious with this situation. We request Chase to finalize our modification and give us the Making Home Affordable program they had assure us we would get. We need your assistance in this matter.

I contacted Chase about reduced income in 2009 and tried to refinance for lower interest rate. I was turned down, but offered loan modification. It started in May 2009 and the program was supposed to be for 3 months. Then our loan would be updated. It took Chase 18 months to get this loan modification done. We paid every payment agreed upon by cashiers check and express mailed into them by the 1st of the month. I called several times each month (documented on both sides). I have names and dates and discussions.

The letter we received saying our loan would be done in August of 2009 is said to have been sent in error. There was an explanation by Chase for every delay. When the loan modification was finally done in in November 2010, Chase had docked us on our credit report with 5 late payments. The loan was the same interest rate as before (6.87%) and our monthly mortgage payment was the same.

However, they charged us all the late payments and interest, so our loan principal is higher now than when we took it out in 2006. I tried to work with them on removing the late payments from our credit report, but they will not do this. Therefore, we cannot even try to refinance with another lender because of the damage to our credit. I talked to an attorney and was told there are many with the same stories and to wait for someone to file a class action lawsuit. The economic damage is the damage done to our credit, so we are unable to get another mortgage or even an automobile loan. We had good credit before Chase ruined it.

In April, my wife lost her job and although things were tight, we managed to keep up with our bills. On July 2nd, I lost my job. On the 3rd of July, I notified Chase that we were in trouble and needed some kind of help. They told me they would send a loan modification packet to our home! We ended up going online to get the packet they never sent. We started the paperwork and called, only to be told they needed other documentation which we sent them. (Time and time again, we were told to stop paying our mortgage as that would show more of a distress situation and would help in the modification process, making the process go through faster.

I have called every week and never get the same person twice. I was told time and time again it was still in review. Then I get a letter saying I needed to send more documents as listed below and nothing was listed so I called again and that person couldn't tell me what it was about. After being transferred to numerous people, I was told they needed proof of my military retirement pay, which had been sent 4 times before! We faxed it to them right away again! Two days later, we get a notice in the mail saying we have a month to pay the past due amount or our home will be foreclosed on! Our payments would never have been behind if it weren't for them telling us not to pay them, and now my credit score is so low I can't get anyone to consider a refinance to get away from Chase! My wife went to our bank yesterday and took out her 401(k) plan which of course cost her penalties so we can catch up the payments.

After reading all of the complaints on your website, we are really worried that they will not accept the payment as we will find out when we pay it on Saturday as we have to drive 70 miles to the closest branch bank to pay it. They have blocked us from being able to make any payments online. Why is there no one investigating this company? What are people to do? I can't believe that this is such a big company and no one will go up against to protect those that are not asking for a free ride, but a little bit of help in tough times! I have already sent a letter to my governor and state representative. Who else do I need to talk to? I need assistance and/or advice very, very soon.

Chase Home Finance is charging unethical fees against my account, i.e. Corporate Adv, Prop Preservation Disb, Misc Expense Disb, in order to increase the amounts owed in order to take the property during which time mortgage payments are being made. Charges are exceeding $200.00.

My name is Carlos ** I live at **. In 2009 due to the economic crisis we are facing my business had a decline in revenue causing a tremendous hardship I got behind on my mortgage payment. I have been trying to work with Chase since 2009. I have been faxing documents when requested by Chase, I have not gotten anywhere with them, I continue to call to follow up and all they advice me is my modification is in review just continue to wait.

When I first apply for a modification with Chase I was behind on my mortgage a couple of month. On 11/15/2010 I call to follow up and the representative advice me that I was behind $ 115,316 I was astonished, I have complied with Chase and since they are prolonging the modification without regards to the homeowner desperation, in the mean time the arrears amount keeps adding up to a point that Chase will deny the modification because of the amount over due.

Chase continues to prolong my modification by continuously requesting the same documents I submit all they request. My family and I are suffering the ordeal of chase unwillingness to help the homeowners. We need your assistance to over look how Chase is operating.

11/18/09 11/19/09 11/23/09 12/4/09 12/17/09 12/22/09 1/20/10 2/1/10 2/17/10 2/18/10 2/26/10 3/15/10 3/25/10 4/6/10 4/23/10 5/6/10 5/17/10 6/1/10 6/8/10 6/23/10 6/30/10 7/12/10 7/15/10 7/21/10 7/26/10 8/6/10 8/18/10 8/26/10 9/1/10 9/8/10 9/10/10 9/17/10 9/27/10 10/4/10 10/19/10 10/27/10 11/1/10 11/18/10 (faxing documents and following up)

After several calls, Chase placed me on a trial payment program. I continued to make my payments on 11/18/09. I was advised by the modification department I would have to submit new documents and would be placed on another pay plan starting on 2/22/10. I complied; I was I faxing documents, I maintained my trial payments. In addition, when we followed up with Chase, I was constantly told I was in review. I would be getting my final modification Hamp .

When I first went to Chase for assistance my amount overdue was $13,579. Because of Chase's unwillingness to assist the homeowners, I am now past due $38.490. I am infuriated by the manner they are delaying the process of the modification. They have lied by falsely advising me I would be getting my final Hamp package. I feel humiliated by Chase. At this moment, they have denied my modification and are refusing to provide me any assistance.

I want to place a complaint and have Chase investigated for the dishonest way they are handling the modification. I may add they don't have any regards for the families that are in despair and anguish with the economical crisis we are all experiencing. My family and I requested Chase to bring to an end the misleading way they have kept us for so long and provide our Hamp modification just like we were advised and stop accumulating arrears to their advantage. We need your aid on this matter.

We had perfect credit, never missed a payment. When my husbands chronic disease became worse, we knew it would be a problem in the future to continue making the mortgage payment at the current amount. I applied for a modification and was accepted and was told for 6 months to make trial payments. We did, never late. After 6 months we were told they (Chase) could not work out a permanent solution and we would have to come up with thousands we were now behind due to making "trial" payments!

I wrote our congressman and then received a letter from Chase saying I could request a reconsideration. I filled out the paperwork again and that time was told that I did not qualify due to not enough income! Duh! In the meantime, I received a promotion at work and my husband was accepted for disability. I have reapplied and we are waiting an outcome. Chase is ruining peoples credit and quite frankly I wonder how many permanent modifications they have done for people. It's almost like they want you to lose your home!

I have contacted Chase Bank since October 21, 2010 to have my taxes reviewed since my home is now an NEZ tax abatement zone. I am now being told that my taxes have gone down but my house note is increasing. On top of this, they are receiving a refund for an overpayment from the city of Hamtramck but my payments continue to increase. Each time that I call, I get the same information that no one can assist with that and it will take seven to ten days. I just hung up with them again and as a financial institution, they cannot calculate the simplest function to state what my payments are.

They continue to state that my payments are going up when they advise that my taxes have gone down. I asked each person, how can payments go up when taxes have gone down? No one can explain this to me. Can someone please investigate Chase mortgage practices? In today's economy, when people are struggling to pay their mortgage, it is really hard when the mortgage companies continue to raise the rates and cannot explain why they continue to do so.

As all of you good folks out there already, my wife, our four daughters and I also are in the same predicament regarding Chase bank's so-called "loan modification" program but with some unsettling results everyone should be aware of! I will not bore everyone with the exact details that our family has endured for over 1 1/2years with Chase Bank in the attempt to get approved for a "loan modification" but will however, in short, give everyone an idea how far Chase bank is willing to go and how deceitful they really are.

Over a 1 1/2 year period while trying to get a "loan modification" with Chase bank, I was forced to close my business after 12 years, was unemployed for 8 months afterwards, and finally after fighting a loosing battle and upon strong recommendation from a lawyer, filed for personal bankruptcy. All through these extremely difficult times and only because of my wife's job (Thank you, God!), we never missed a mortgage payment! Sadly, not for fear of loosing our home, but for fear. it would look bad on our "loan modification" application and ultimately result in a denial of modification acceptance.

All said and done, after 1 1/2years, we finally met all the criteria, and we were assigned a loan modification representative, a real person! And three weeks later, after all our efforts, we were informed from this Chase Bank "loan modification" representative that our request for modification was "denied!" His exact words, and he could not elaborate on this but only say on Chase's Banks behalf, "You'll be receiving a letter in a few weeks detailing the decision and alternatives that might be available to you a bit further."

But I can tell you, they say, "We do not take into consideration your net income, but your gross income!" So because my wife is paid too much for a career she has been employed in for 23+ years, a career which enabled us to fight every month to pay our mortgage to Chase Bank for these 1 1/2years, a career that put food on the table for our whole family, a career that put clothes on our children's backs, a career that provided a small amount of money to pay for gas, automobile insurance, unforseen expenses (like lawyers fees), a career that our whole family depended on and lived by. It was all for nothing!

Chase Banks "loan modification" is the biggest scam that is going on, right now, in American history! Class action suit, absolutely! Count me and my whole family in!

I paid off my mortgage in full in July of 2010. I had the mortgage for 6 years and never had a late payment. Starting in August of 2010, Chase reported to all credit bureaus that my account was delinquent. I called in September and "Diane" claimed they had sent out an apology letter, which I never received. In October, they again reported me delinquent. I just called again and spoke to a Michael ** who claims it never happened even though the credit bureaus are still reporting it delinquent. I asked for him to send me a fax stating that I was not delinquent nor have been. 8 hours later, they have still not faxed the letter. I called and spoke with an Elana ***** who now says they need to investigate and "see where it goes."

They have no intention of correcting their mistake. This has been 3 months of me calling and speaking with different people and getting different answers. Almost all claim that it would be "taken care of" and it never is. I asked for a complaint department and was given a Fax number: *** but all refuse to give an address where I can write to.

During a divorce, I filed bankruptcy on the recommendation of my lawyer. I did not put my house in my bankruptcy. My bankruptcy lawyer advised me that I did not have to file a reaffirmation on my mortgage because mortgages are under different laws. However, Chase said I did have to file one. Because of Chase's stance, my lawyer asked for a reaffirmation statement on my house in the middle of the case. Chase refused to send a reaffirmation.

Now, Chase says on my credit report that I discharged my mortgage. I have faithfully paid my mortgage for over five years. It's never been a day late. Chase will do nothing to resolve the matter. Now, I can't sell my house. My credit report doesn't show that I am paying. They refused to report that I am paying. Even in the court proceedings, I told the judge that my house was not included in the bankruptcy!

This is an update to the following that was submitted yesterday. I applied for a refinancing loan from Chase Bank in August. I went to speak with Brenndon ***** in the Frisco branch who's the loan officer for my area. He had me sign a disclosure and said that my closing costs would not be over $1000.

Throughout the weeks after that, I was repeatedly contacted by Frederick ***** for various pieces of information that I did have readily available. At times, the requests were a bit ridiculous (i.e. having me contact my job to verify that my Amex is a card I use for my job when I sent them a copy of the card with my organization's name on it along with mine and I sent statements that had corporate on the top) It seems like they didn't believe me because they asked for the same thing again a month later. Anyway, I received my good faith estimate in the mail and it seemed to be correct from my novice point of view. I was called by Frederick ***** around October 8th to set up a closing date.

I verified the amount of money needed to bring to closing and it had changed to approx. $8,000. Obviously, there's a disconnect somewhere from the loan officer, to the main loan office. Brenndon **** had put in the wrong number for my property taxes.

His exact words were that it was an issue with timing, not that fact that he put in the wrong number. I was a little hesitant about moving forward. But, he said that he would try to work the loan and get most of the costs absorbed int the loan amount. He said that he couldn't go higher than 5,000 above the loan amount. He also said that he'd find out if any other documentation was needed, so we can finally get the loan closed. I never heard back from him. I did receive a second good faith estimate showing that higher amount needed for closing in late October.

After checking the mail today, I received a notice of denial for my loan. It's unbelievable.There was nothing in my past that would have kept me from getting my loan refinanced. I have acredit score that would have allowed me to get a good rate. (750, 772 range)

My home is worth $30,000 more than the loan amount I requested. My yearly salary is $93,500/Year. I've never ever been late on my mortgage with Bank of America. I've had several loans with Chase and have paid them all back and was never late.

Here's the update: I called Frederick ****** and he mentioned that Brenndon was supposed to call me to let me know why my loan was denied. Apparently, there is debt-to-income ratio issue all of a sudden which I find very funny because I was called on October 8 to close. I was hesitant about moving forward because of the numbers mix-up. After thinking over things thoroughly, I agreed to move forward. Brenndon told me that he'd check on some final information so we could get the loan closed.

So, how can they tell me about closing the loan on more than 2 occasions and then suddenly there's a debt to income issue? Maybe Brenndon used the debt-to-income ratio issue to cover up his mistake. Shouldn't the underwriters have determined this early on instead of worrying about my company Amex which is for my job? Chase is full of it!

I applied for a refinancing loan from Chase Bank in August. I went to speak with "BL" in the Frisco branch who's the loan officer for my area. He had me sign a disclosure and said that my closing costs would not be over $1000. Throughout the weeks after that, I was repeatedly contacted by "FS" for various pieces of information that I did have readily available. At times, the requests were a bit ridiculous (i.e. having me contact my job to verify that my AmEx is a card I use for my job when I sent them a copy of the card with my organization's name on it along with mine and I sent statements that had Corporate on the top).

Seems like they didn't believe me because they asked for the same thing again a month later. Anyway, I received my good faith estimate in the mail and it seemed to be correct from my novice point of view. I was called by "FS" around October 8th to set up a closing date. I verified the amount of money needed to bring to closing and it had changed to approximately $8,000. Obviously, there's a disconnect somewhere from the loan officer, to the main loan office. "BL" had put in the wrong number for my property taxes.

His exact words were that it was an issue with timing, not the fact that he put in the wrong number. I was a little hesitant about moving forward. But BL said that he would try to work the loan and get most of the costs absorbed in the loan amount. He said that he couldn't go higher than $5,000 above the loan amount. He also said that he'd find out if any other documentation was needed, so we can finally get the loan closed. I never heard back from him. I did receive a second good faith estimate showing that higher amount needed for closing in October.

After checking my mail today, I received a notice of denial for my loan. Unbelievable. There was nothing in my past that would have kept me from getting my loan refinanced; a credit score that would have allowed me to get a good rate (750, 772 range), my home is worth $30,000 more than the loan amount I requested, my yearly salary is $93500 per year, and I've never ever been late on my mortgage with Bank of America.

I've had several loans with Chase and have paid them all back and was never late. I've sent "BL" and "FS" an email today regarding the denial and we'll see if they respond.

On Oct.2,2010, Gary ** took a check into Chase in the amount of $36,000.00 and asked the payment to be applied directly to our principal and asked for a receipt, which we received, showing the full payment applied to the principal. When we got our statement, the payment was applied incorrectly. They had paid two payments from that $36,000.00 and only applied the remainder to our principal.

They agreed to straighten it out, but we are still trying to get this taken cared of today. I feel that they are playing games with our money and I am considering going to our attorney, if necessary, to get this straightened out so that the payment of $36,000.00 will be credited to our account correctly retroactive to the date when we made the actual payment.

We have never been late in our payment in all the years of this mortgage and our credit score is 800. We are probably one of the better customers they have with loan, and yet, we feel violated by Chase bank. They have not given us an apology letter confirming their mistake and what they were going to do to correct it. It has now been a month. I guess they think we are too stupid to have caught this, and they could make more money applying the payment the way they did.

I am willing to take this to the media or an attorney to get this resolved and make sure this does not happen to others like us. In addition to this problem, I also tried to refinance with Chase but could never even get a call back . They told me that they did try to contact me, but it is not true. After over a month, we just decided not to deal with them. I want this matter taken cared of immediately and also I want a letter for my records showing what the original mistake was and how it has been corrected. Is there anyone out there who can help us?

On October 2, 2010, Gary ** took a check into Chase in the amount of $36,000.00 and asked the payment to be applied directly to our principal and asked for a receipt showing this ,which we received showing applied full amount to principal. Then when we got our statement, the payment was applied incorrectly. They had paid two payments from that $36,000.00 and only applied the remainder to our principal. They agreed to straighten it out, but we are still trying to get this taken care of as of today.

I feel that they are playing games with "our" money and I am considering going to our attorney if necessary to get this straightened out and the payment of $36,000.00 to be credited to our account correctly retroactive to the date that we made the actual payment. We have never been late on our payment in all the years of this mortgage and our credit score is 800.

We are probably one of the better customers they have loan with and yet we feel violated by Chase Bank. They have given us an apology letter confirming the mistake and what they were going to do to correct it. It has now been a month. I guess they think we are too stupid to have caught this and they could make more money applying the payment the way they did.

I am willing to take this to the media or an attorney to get this resolved and make sure this does not happen to others like us. In addition to this problem, I also tried to refinance with Chase but could never even get a call back. They told me they show they did try to contact me, but it is not true. After over a month, we just decided not to deal with them. I want this matter taken care of immediately and also a letter for my records showing what the original mistake was and how it has been corrected. Is there anyone out there that can help us? Applying the money incorrectly cost us about $2000 and Chase was the one to benefit. I don't trust them anymore and wish my mortgage would have never been taken over by them.

On October 2, 2010, Gary ** took a check into Chase in the amount of $36,000.00 and asked the payment to be applied directly to our principal and asked for a receipt showing this which we received showing applied full amount to principal. Then when we got our statement, the payment was applied incorrectly. They had paid two payments from that $36,000.00 and only applied the remainder to our principal. They agreed to straighten it out, but we are still trying to get this taken care of as of today. I feel that they are playing games with "our" money and I am considering going to our attorney if necessary to get this straightened out and the payment of $36,000.00 to be credited to our account correctly retroactive to the date that we made the actual payment. We have never been late on our payment in all the years of this mortgage and our credit score is 800. We are probably one of the better customers they have loan with and yet we feel violated by Chase bank.

They have given us an apology letter confirming the mistake and what they were going to do to correct it. It has now been a month. I guess they think we are too stupid to have caught this and they could make more money applying the payment the way they did. I am willing to take this to the media or an attorney to get this resolved and make sure this does not happen to others like us. In addition to this problem, I also tried to refinance with Chase, but could never even get a call back. They told me they show they did try to contact me, but it is not true. After over a month, we just decided not to deal with them. I want this matter taken care of immediately and also a letter for my records showing what the original mistake was and how it has been corrected. Is there anyone out there that can help us?

Applying the money incorrectly cost us about $2000 and Chase was the one to benefit. I don't trust them anymore and wish my mortgage would have never been taken over by them.

I applied for a loan modification. I was specifically told by Shaunte ** to stop making payments because I was going thru the modification and it would "mess up the process". I have submitted paperwork over and over. Now I am in the 3rd try and have a three-payment trial period coming up. I'm afraid I still won't get the mod after that. There is no one who will give the same story twice, or even the same criteria and requirements twice the same way. Credit rating is destroyed, which means when my security clearance comes up for renewal, I have a good chance of losing it and, thus, losing job. Without that clearance I cannot work in my field. I will lose my house. I have to take anti-anxiety drugs almost daily. The stress is killing me.

Nov 1 and Nov 2008 payment (due Dec 1 ). Mailed in one payment in December by mail (bank never received/ck was never sent back to me). Tried to make another payment by phone in January and they would not accept it. They asked me some questions and said I qualify for a modification. Took the information needed over the phone, said It would take about 1 month before I hear anything. About a week or so later, papers were sent to me for a trial modification which I at that time was not sure what to do.

I called Chase and was told I was assigned to a particular person and that I would have to deal with her. I tried and tried for about a couple of weeks, kept leaving voice mails and when she did not return my calls, I called Chase back and told the people that I could not get a hold of her. After awhile, I decided to let Chase contact me. Their attorneys did (Trott & Trott ) in June of 2009.

In July of 2009, I faxed paperwork to for a modification. I was put on a trial modification in Aug of 2009. My 4 trial payments were $942.03. I had to send these payments Western Union or pay with a cashiers check, they would not take them out of my account. After the second payment, I receive letters in the mail that I had to move because my house had been sold at the Sherriff's sale back to Freddie **. I was devastated.

I called Chase so many times over this because I was on a trial modification. After call, after call, I finally reached someone that told me it was an error on their part and they would fix it, it was due to a system upgrade, just be patient. They told me to keep calling to make sure. I made so many calls and each time talked to a different person. Finally, I reached a gentleman that again said it was Chase's fault. He called Freddy ** while I was on the phone and told them Chase had made an error.

He then called Trott & Trott and told them it was Chase's error and do a rescind on the sale and they would pay the charges. After the sixth payment of the trial modification, I still had not heard from Chase. So, for the 7th payment, I called Chase and was told to keep making the payment's until I heard from them. The 8th payment was sent and it was returned to me. Chase had not accepted the modification terms and would be willing to see what they could come up with.

They couldn't do anything and I was told to send in another application for modification. No trial payments were set up this time. It was turned down. Loss and Mitigation told me it was because I was short like about $150.00 month. In the meantime, I received a letter from **, taxes had not been paid. Kept calling Chase and they assured me they had paid them. Received another letter, my house again was due up for sale for unpaid taxes from spring of 2008 which Chase had not paid. After half dozen calls Chase would investigate and put a work order in and if indeed they where owed, would pay them and the late fees (which I was not to be charged for). Then had someone (Ted ) move back into the house to help with the income I was short.

Called Chase and told them Ted was just starting a new job and did not have any pay stubs. They said a letter from his employer would be okay and to apply for the modification. Faxed all that. Kept calling because they would not contact me. Finally, one Chase person told me it had been turned down but that they had not had the application long enough to do what Chase had to have done. He told me to fax modification papers again, so I did. Heard nothing. I quite calling Chase because I was talking to them hours of my work time and I just kept getting runarounds.

Every time they told me I didn't make enough, I had told them I make now a little more then when I acquired the loan (2007-$26658. /2008-$26496. /2009-$28263). My payment on the house we originally is $1100 and then after the trial payment period was over. They told me the payments were around $1349. Due to fees and higher taxes. When I bought the property the taxes were $800.00 per year. After I bought the property, apparently there had been a cap on the taxes. I have tried to work with Chase. The sheriffs sale is set for 11/18/2010. Back in August of 2009, my property was accidentally sold back to Freddie **.

A rescind to the sale was made. I am trying to work it out with Chase but the sale is set for the 18th of this month and I have just been assigned a new person at Chase. I have paperwork to backup that instead of the 3 or 4 trial modification payments I made, 8 trial modification payments and was never late . The 8th one was returned. No one at Chase can provide me paperwork as to where my payments of 942.00 went, other than not on the loan. Chase is responsible for a lot of charges. I was not supposed to be responsible for. Chase loan #** Freddie ** (DC)#**.

Please, I am living in my home and I want to continue. I have worked at the same place for 22 years and even in 2001 when I had breast cancer and only worked 4 months out of the year, I caught up on all my bills. This was due to circumstance mostly out of my control. Please help!

Chase is out of control and apparently has no legal guidelines to follow. Chase created a totally unnecessary situation. And Chase turned every thing into a fiasco. They should be stopped. Don't anybody read the tragic situations caused by Chase. All you have to do is Google Chase and thousands of complaints come about the same thing with Chase, "Can't nothing be done!" I have asked and asked for a breakdown of where my 7 trial modification payments went of $942.03 and can't get anything by anyone at Chase. The government is just going to let Chase continually rip off every person they can?

I have a mortgage in foreclosure and have run around by Chase for 18 months now. I tried to work out a modification only to have them refuse the payments and return to the foreclosure, adding even more attorneys and late fees. I found a credit union that was willing to pay off the loan and start fresh, but Chase has added $37,000 to my loan and now the credit union is not so interested in loaning this extra money.

My loan officer said it's unheard of to charge anyone this kind of fee and refused the payments. I'm tired of dealing with the number of people at Chase that hand off my phone calls. You never get the same person and no one can give you an answer. They just pass you on to the next number and it can go on for hours till you give up. The Attorney General's office is tired of hearing the calls come in and you would think someone would help the general public. What's their job? But this bank has figured out how to strip its customers of the little cash they have in their home or pocket and have no fear of anyone telling them what they are doing is wrong.

I'm losing my home and equity of $250,000. I had 50% of my home paid for. My health is starting to fail. I can't deal with this anymore and I'm tired. Even when I found someone to take over the loan, Chase refused to give a payoff and resorted to add fees to kill any chance of getting out from the under the foreclosure.

In the loan modification process, I sent in documents and the relationship manager told me that what I sent in was not sufficient enough. However, she did not tell me what the requirements were. I even sent in more information than what was asked for. However, she stated that the underwriter would not accept it and I would need to take it off my loan modification. I told her I needed to understand, she said it would not be accepted and that she was going to disconnect the call now. So she hung up on me and told me to either provide the information or be disconnected. That is additional money that will not count towards my modification. Being a single mother of 3 kids is not an easy feat. This takes money away from them on a monthly basis.

I started a loan modification in May 2009 due to me becoming unemployed. One year later, I was offered a loan modification paying more than the original loan payment. Another modification was started in July. All documents were provided to Chase. During the time frame of July to September, I called regularly to check the status of my loan modification and was told everything was on track.

On October 24, 2010, I received a call from Chase that I had been dropped from the loan modification because 60 days had expired from the paper work sent in July due to my file never being assigned to a loan modification representative. I was told that I had to make a $6388.59 payment to avoid foreclosure or start new paperwork again before the payment due date of November 1, 2010. Chase had no intention of performing a loan modification and thus caused my credit report to reflect a five-month late payment which has affected my credit score. I have learned that Chase Mortgage has no integrity to their clients. I am now working on a means to rid myself of Chase Mortgage. Truly, President Obama does not realize how these mortgage companies are abusing the loan modification program to save peoples' homes.

I received several calls from ACI. They stated they collected my 2nd mortgage from Chase. I never received a call from Chase after attempting to refinance and modify the current amount. I had not heard from them at all, and then ACI called with several harassing phone calls. I decided to believe them and sent them $3000 to lower my payments. After sending the money, I have not heard from them, but another company with same amount they told me I owed originally when ACI called. I think this is fraudulent. I need help!

Long story short, I was one of millions that lost my job in 2009. I was able to get a new job but at the a cost of a 52% pay cut. So of course, I could no longer afford to pay my mortgage (a home that I had no problem affording when I was employed in an industry that I worked in for over six years. I had a very stable income/job history and didn't over purchase). I decided to do the responsible thing and try and short sale my home. I wasn't irresponsible when I purchased and I was heartbroken to lose my home of five years but short sale seemed like the thing to do. I had my house in contract four times. My first mortgage holder approved each sale but my second mortgage holder happened to be Chase and they rejected the purchase contracts every time. I should note that my first mortgage offered Chase thousands more than a second mortgage holder usually sees in a short sale (first holders are under no obligation to pay the second, they do it to help solidify the sale). Each and every time, Chase rejected the offer.

After about a year of this, my first mortgage holder finally foreclosed on my house. Fast forward 11 months after my foreclosure and Chase is suing me for my $42k second. I'm not protected in California so now I'll likely have to file for bankruptcy. I've done everything I could to keep up on as many of my debts as possible (I'm not irresponsible, I just lost my *** job!), but now I'll have a BK to deal with. I had to move hundred of miles away to find a job that paid more than pennies. So I finally found a decent paying job (still much less than before) so I can start to get back on track. So now that Chase waited months and months to file against me, I likely won't qualify for a discharge because I make a few thousand dollars more than I should to qualify.

If only I hadn't been responsible and tried to short sale my home, it would have foreclosed while I was still making pennies a year and I could have let discharged the Chase debt. Thank you Chase for trying to ruin the already difficult lives of your customers. I just got engaged and can't even think about enjoying that or ever planning a wedding because I have to figure out how to deal with their $42k lawsuit. Thanks, Chase. I sure hope that my federal tax dollars continue to bail you out so your CEOs can continue to get $20 million bonuses each year. It's nice to see our banks protected but consumers not. I'll continue to look for retribution but I highly doubt that I'll ever find it. Thank you Chase for ruining what should be the happiest time in my life. Do you steal candy from babies too?

After informing us of upcoming changes to their policies, Chase Bank encouraged us to opt out or accept new regulations, which by the way were deceitfully communicated. My husband was informed that if he didn't opt out, our interest rate of 11% would not surpass 18%; however, after missing our due date by one day, our interest rate rose to 29%!

When we called Chase Bank, they told us we agreed to these terms. We did not because what maniac would agree to pay 29% interest rate? After making several attempts to lower our rates, we were given the run-around and told after 6 months that our rates would be reduced. 6 months later and never missing a payment and sometimes paying double the amount or more, there's still no reduction. It's been almost one year now and we've paid Chase these abhorrently high interest rates while Chase refuses to lower our rates. Chase is the devil! I mean, how long is someone going to be penalized?! Are there no regulations or laws to protect the consumer from these dishonest business practices?

I am writing on behalf of myself and my father. I live in the home that my father has obtained financing from Chase Home Finance (his name is on the loan and both of our names is on the title). We have been trying to obtain a loan modification for over a year and a half now and have still gotten nowhere.

Since he was so confident, we decided to go with this firm. In the beginning I felt like we were making progress but as time goes by it ends up that Chase Home Finance is still doing the same thing. We have submitted the same documents numerous times and in a timely manner, but they do not act on it or do anything with them and then they want the same documents over again so they are updated.

Well, if they aren't ready to do anything with them, why do they keep asking for them to be updated especially when nothing has changed? We are getting tired of this because it has been over a year and a half since we have been requested a loan modification in order to save our home. I was making the mortgage payments but became career challenged and lost my job. At one point, we were given the opportunity to make "temporary payments" while the modification was under review. So I made the temporary payments but when I went to make the payment several months ago, they would not accept the payment from me. So that is when I sought an attorney for help with this matter.

Shortly after that we received a foreclosure notice. Fortunately, we retained the attorney to help stop the foreclosure proceedings, but, no, Chase Home Finance is still dragging their feet and asking us for the same documents over and over again. All we want is for the loan modification to be approved so we save our home and get back to making regular (but modified) payments on the home. We continue to stay at risk of losing our home and all we want it a loan modification so we can save it.

In a nut shell, we were improperly denied for the "Making Homes Affordable" program by Chase. We met the qualification on the initial application (reduced income, child born, house value upside down, etc.). The process stretched out for 14 months. Every time we called, which was almost weekly during the last 6 months, we were given the runaround. We constantly had to re-send paperwork because what they had on file was outdated. Our application was with the underwriting department for 9 plus months.

They kept saying they had to re-review because of changes being made to the program. During the process, we were told that we had to stay current on our mortgage payments or we would be automatically disqualified. We were denied because we were current on our payments and because they deemed our current financial situation as not permanent. Then, when I complained, they sold my mortgage to another company - a company that does not participate in the program. Chase mortgage is a bunch of crooked **.

I had a mortgage with Chase; it was for a home mortgage. The loan was for $85,000; in 1996, my home started to flood. It was no fault of my own. There was a storm pipe put in along side the house that caused water to back up in my basement. This happened 6 times from 1996 till 2009. The water was 3 to 4 foot deep. It caused so much mold that I had to move out. That was in 2009.

My complaint is that I paid my mortgage from 1996 to 2009. The last years it was to Chase Bank. The payment was for $610/mo. I wanted Chase to for close on the house but they would not do so. In 2009, I stopped payment on the house. I talked to several people,loan officers, bill collectors for Chase. I told them if we all work together the Borough that the house was in would some day have to buy it.

That is what happened in 2010. Some of the representatives for Chase was Matt **** and Eranesto******. I told them the deal that was agreed to about the payments. I made this with some one that worked for Chase Mortgage Co. It was that when I get my settlement, I would pay off the loan. I was of the understanding that they would not charge interest on the loan from 2009 to until I was paid off. I owed a little over $75,000. You have to remember that I paid the mortgage the whole time it was in litigation. The Borough filed eminent domain in court. That was in 2008, I could not live in the house.

Well, I settled in 2010 with the Borough but my problem is with Chase. They did not hold up on their end of the bargain. They charged me $99,000 on the loan that was only $85,000 to start with. They charged $24,000 in interest and late fees. You have to remember I paid on this loan for 5-6 years at $610 a month, $510.00 went to interest. If you do the math, they made $510.00 X 72 mo and also $24,000 on top of that yet. I think this is highway robbery. They did not help with legal fees or any of the expenses. In Aug of this year, I asked for $10,000 back toward my legal fees. I have heard nothing back from them, meaning *** and ***. They were to have gone to the Board. I try to call but none of them return my calls. This was a nightmare. I had no help for a long time. Bur for the grace of God, Department of Environmental Protection stepped in and said the Borough had to fix the problem or buy my house.

During a home modification review period, Chase Bank simultaneously:

1) Offered an adjusted ARM payment schedule to begin on 11/1/10 (offer dated 8/23/10);

2) Offered and accepted lower monthly payents during a modification period up to 10/1/10 (all documented); and

3) Quietly foreclosed on our home on 8/25/10 (two days after the new ARM rate adjustment was printed and mailed to us).

We discovered through Chase's Lakewood, CO lawyer's office (Michael **) that a Chase employee in the Phillipines named Maria had stamped the foreclosure document and listed "missing documents" as the foreclosure reason. Meanwhile, we have gone above and beyond to provide documents to Chase, time and time again. Chase will only speak to us on the phone, but will not email or put anything in writing now.

All we knew is that we had made all revised payments as promised and had provided documents and duplicate documents through the last year while they mulled over a home modification program. We got married 9/4/10, happy that Chase had offered us an ARM adustment plan to begin 11/1/10 and my three new incomes into the marriage would make that doable. We had no knowledge that Chase had simultaneously foreclosed on the home until eight weeks later when a local realtor posted a note asking us to leave within two weeks.

So, one branch of Chase is secretly foreclosing on our home while the other branch is offering an ARM adjustment and continuing to accept our payments--even after the sale was completed! That has to be illegal! Chase's attorney, who signed the foreclosure documents, agrees that there are serious discrepancies. The Larimer County Trustee who documented the sale (Debby **) now agrees that there are serious discrepancies. The local real estate office tasked with moving us, now agrees that there are serious discrepancies. Yet no one can tell us how to get this reversed.

How can we get this foreclosure reversed without living in court for years? And how can we stay in the home until the decision is reversed? Another American family is facing eviction and the loss of 18 years worth of equity because Chase Bank hasn't been held accountable for its practices. We are trying to get a recision of the foreclosure sale, but Chase has to file that with the courts. If they choose not to, they could outspend us on lawyers a million to one, but that doesn't make this travesty right.

Please everyone contact the white house at http://** for free assistance.

Due to circumstance beyond my control (son is very ill), I was unable to make 2 mortgage payments. Once I was able, I sent in the payment and brought my mortgage current. I called Chase to advise them that the payment was made. The representative I spoke with demanded that I make the payment over the phone since it had been 5 days and the payment had not cleared my bank. I explained that I could not pay another payment and I was calling to advise them that. She then threatened that my home would be taken from me. I again tried to explain that the payment was made and she again insisted that I make a payment over the phone. She again threatened to foreclose.

Why can't these banks work with their customers? I have never been late on my mortgage prior to this very serious turn of events with my son.

I made my mortgage payment online on October 15th. On October 19th, they double charged my checking account causing my checking account to be overdrawn. When I contacted them I was told to fax them over a request for the refund of the money that they took from my account unauthorized. I did that and then called back. I was told that they didn't look at faxes for 48 business hours and this was a Friday and they didn't work Saturday.

I patiently waited until Wednesday of the next week. When I called them, they told me that since their error put my account into an overdrawn status, they now needed something from the bank stating that it was paid out. They confirmed that they received the money when I spoke to them last week. In the meantime, they are aware that I have no money and no way to purchase food for my family, but they do not care.

On a refinance, Chase just couldn't seem to be responsive and reciprocate good service to their borrowers, who did get them. Everything they asked for, has a deadline of 24 or 48 hours, and they took between 3 days and 3 weeks to respond to me. In the final days of my tolerating this behavior, they arbitrarily decided they needed another credit report, a day before the closing was set.

Now they knew I was a victim of identity theft and that it would be a huge hassle to get the reports open again. It was the last in a long list of additional information requests, I believe now, because they couldn't close in a timely manner, with a clunky loan process that took over 13 weeks and counting, when I quit dealing with them, and endless incompetence they were burdening me with.

I moved on to a responsive local bank lender who was superb to deal with. I closed within 7 weeks, enjoyed responsive people I could always get in touch with in 24 hours or less. The rate was almost 3/8 lower than Chase, with lower fees. I can think of no reason anyone would use Chase for a mortgage. In a word, they are simply awful.

In July 2009, me and my husband inquired with Chase to apply for a loan modification (Making Home Affordable Plan). They advised us to go to the web site, print and fill out form completely and send all pertinent information along. They also advised us that once they received it, we should not make a payment on our loan until a decision was made about our loan modification.

They also said the process could take approximately 90 days. Well, we were informed in October 2009 that we were denied due to "unemployment not being used as a steady source of income." With no other options other than to pay approximately $9,000.00 to them (because of the three months we were asked not to pay by Chase, we proceeded to pay our original mortgage payment of $2170.00 and that started up in 11/09. So we continued to pay every month with no notice from Chase. No phone calls, no nothing. Friday, 10/22/10, we received a letter from Chase with a returned check of $2170.00 (which was electronically sent to them on 10/7/10) stating it was being returned due to "funds insufficient to cure account."

Now Chase returned a check of which I have, but the money was still showing in my account as paid out to Chase. They returned a check but did not refund my account with the money. When I called the number provided (1-800-981-3792), I spoke to three different people (Candice, Fernando, and Garrett) and all three gave me a different option.

Candice told me to try to go thru a loan modification on just my income. Fernando told me I had to pay 50% of what was owed, which was $5550.32. Garret told me to call 614 422-2501 and find out about the $2170.00 that was returned to us. He advised us to find out why this happened. I told all three that I had every intention to pay another $2170.00 on 11/1/10 but I was advised not to as it would be returned. So on 10/23/10 I called the number Garrett gave me, which was the customer care number and they told me I needed call 1-800-848-9136. So I did.

I spoke to Linda and she advised me to make a copy of my bank statement showing that the $2170.00 was not returned to our account. I send a letter of explanation to the payment Research Center, the fax number is 614-422-7575. I asked what do I do after I fax and she stated, "Call customer care approximately 48 hours later and find out where your money is." I have asked on numerous occasions if we could just put the three months that were owed on the back end of the mortgage. I never received an answer. It was never an option. I have been with Chase for over 8 years and we never missed a payment.

We fell into a legitimate hardship and we are being told that Chase is starting foreclosure proceedings. After 20 years of being employed by DHL, my husband was laid off in March 2009. We stayed current with most everything until we applied for the loan modification and then it all went down hill from there. My husband is actively looking for a full time job. He went thru the Plymouth Police Academy and received his Sheriff's Badge. He currently works on a per-diem basis by a pager system. So there are weeks where he doesn't work to possibly working 5 days per week. There is just no steady income.

With him losing his job we also lost his benefits (i.e. health insurance), so I had to pick that up with my employer which is approximately $500.00 per month. All we want is someone to work with us from Chase. Not one department knows what the other is doing. It is very frustrating. The news/commercials continue to tell the consumer to call their lender and they would be happy to work with you. I do not see it that way. They work with you on what is good for them. They do not meet the consumer half way and the consumer is treated like a number.

With all the pain and suffering of irrational phone calls with staff at Chase, we have yet resolved our 3-month shortfall with Chase. The phone calls that I make put a great amount of stress on me before I head out to work and then I proceed to follow up when I return home again with no resolution. We have fallen victim of this whole unemployment status. We have always done things by the book and feel we have no where to turn to for help because god knows we can't afford an attorney and I believe Chase knows that. We need help and someone to guide us. We would be happy to use our incident if needed to file a class action suite against Chase Home Finance.

I feel on hard times after becoming disabled. My husband and I divorced and he just left me with the house. I wanted to try for a loan modification. I don't get much on SSD but with the economy thought I could make a decent payment, since my home was becoming worth less and less.

I can't tell you everything I went through. I only wish I had recorded my conversations with the inept reps. that do this. They lied, when I told one woman that another employee had told me my paperwork had been received and she was saying it hadn't she said, you can't believe what everyone here tells you. Huh? **? They jerked me around for 8 months and then denied me but did not tell me until 2 weeks after denying me, even though I had called. And never sent me a denial letter which they stated they had. Well I guess if they say it, it makes it the gospel truth.

Would you be interested to know they were involved in the illegal activities w/ Enron? I wish I had recorded all my conversations, although I'm not sure that would help. With all the complaints on here, you'd think someone would stop them. I want to join a class action law suite against JP Morgan Chase.

Chase is leading in consumer complaints. Chase's response is that most of these people are disgruntled customers who (in so many words) were deadbeats, angry that the bank didn't "understand" their lack of payment. I am not in that category. I have always worked hard to maintain excellent credit. Chase completely botched my record of payments.

In mid-August 2010, I mailed Chase my Oct. 1 mortgage payment, along with a second check to pay down the principal (mailed six weeks before the due date. I usually pay early). I wrote two separate checks, clearly marked. I filled out the payment stub accurately. I noted on the stub: "Two checks enclosed".

In mid-October (eight weeks after my August mailing), I realized I hadn't received my Nov. mortgage statement! I called Chase. Their automated system informed me that I was late on my Oct. mortgage payment. No option to speak to a real person; finally, the "0" key got one. I spoke to a less experienced representative and requested follow-up with a supervisory rep. I documented names and demanded timely follow-up. I had to initiate a "work order" and wait three "business" days (5 days) for Chase to update their information to indicate that I really did pay my Oct. 1 mortgage. The supervisor did call me the next week to tell me the problem had been fixed. I am still waiting for written confirmation.

However, I'll wait to see if Chase Bank really fixes the mess it caused. The company line: Oops! Computer problems! (This is the standard answer when you catch any bank doing bad things.) I was told Chase received my payments 8/26/10, but "nobody looks at them". It's all computerized. (Great, so the computers should be able to handle routine transactions, right?) Well, back then, there was a "computer problem," and, in error, the computers applied both payments to my principal, and nothing to my mortgage. So, due to Chase's bad computers, for the first time ever, I am reported as not paying my mortgage! I never received a late notice; I never received a call. (They told me Chase "calls you the day after the due date if we don't receive your payment. People get mad at us and say we are harassing them. Somebody should have called you on Oct. 2.") But two weeks went by and nobody called. Nor did I ever receive a "late" notice in the mail. Nor did I receive my Nov. statement.

If I hadn't noticed the lack of my Nov. mortgage statement, my house might be going into default pretty soon. Does this sound familiar to anybody? I can't be the only one affected if this was really due to a "computer problem" back in August. The computers read the stubs and the checks, and they read them wrong. If this was a one-time problem, you'd think Chase would have gone back and re-examined the accounts affected by their "computer problem," and corrected them.

Apparently not. It was completely up to me to figure it out, and I was lucky. It seems odd that there were so many breakdowns in their system: the computers didn't apply my payments correctly; nobody called me about a late payment; I got no mail notice; I never got a Nov. statement. I care about my credit history; Chase's representative didn't. He kept reassuring me about the "grace period". No, I don't do grace periods. I pay on time, early, and my record should reflect my excellent payment history, not be negatively altered due to the bank's negligence.

The reps tried to get me to sign up for auto-pay, but if I had auto-pay, I never would have noticed this problem! Then, because I didn't receive my Nov. mortgage statement, I had no stub to include with my Nov. payment, which I rushed into the mail, along with a marked-up photocopy of an old stub. Hope the computer can read that! Hello, bank regulators? How can this be okay? Seems like a good deal for Chase. The "computers make an error," putting my loan into default if I don't catch the error (Chase was unusually silent about "not receiving" my payment); then they get to foreclose on my house (which is worth 10 times more than the mortgage I owe).

Somebody is making money off a scam like this. How can I trust that any future payments on principal won't "confuse" the computer and cause the same problem? How can I trust that if a payment is lost in the US mail, Chase will alert me? How can I trust that this current problem is resolved? I'm still waiting for something in writing. (Just look at the huge volume of complaints against Chase!) What if my Nov. mortgage payment misses the due date because of slow mail? What if Chase has already notified credit bureaus that I was "late" --in error? Will Chase fix that mess? Will Chase pay for me to get credit reports? Can I send Chase a bill for the hours of time it has taken me (and may yet take me) to correct this relatively minor mess?

Here's my advice: stay away from Chase! Thank you for sites like this one where American consumers can band together. I hope my story can help someone else who is getting a runaround from this bank. Chase needs to wake up, stop being defensive and clean up its act. Somebody needs to investigate these guys.

I have been trying to do a loan modification for 1 year now. I originally called Chase in Sept 2009 to start the process. After 3 months of runaround, I was told that "I was in good standing and not eligible for modification. One rep actually laughed at me on the phone and told me not to make at least 3 payments, then call back.

My credit score has plummetted, my health has been affected by the stress and worry and I don't know what to do.

We have had our mortgage loan with Chase for the past 3 years. Like many people we got caught up in a bad loan product. We currently have a 40 fix at 6.875% with interest only for the first 5 years. We are going into year 4. As of October 1st our loan has been sold to IBM LBPS. We have been with the company for less than a month and already having trouble getting anyone to talk to us.

I have been looking into trying to do a Home Affordable Refinance under the guidelines of the government program. I have hit a brick wall. Per speaking directly with the hope line associated with the HARP program, we qualify for a refinance. We are current on all payments and have good credit. Problem is no other banks will help us and keep sending us to refinance with our current lender. We can't as IBM is only a payment processing center. They don't do any refinancing. So I contacted Chase since they held our loan up until 21 days ago. They stated that they could have helped us 21 days ago and could have had no problems with a refinance.

But since they don't service our loan anymore they can't do anything. I would have been happy to have them refinance 21 days ago but no one told us about this program. So after my last call to Chase this morning. Some tears on the phone to the Customer service agent, I was told that I was just unlucky. That basically no one could help us. To "prepare for the worst" What kind of help is this. Where is the help for those of us that really need it before we get so bad that we have to foreclose?

On Sept.15, I went to the bank to make my monthly payment, by my surprise the bank told me, "We can not take this payment, call your loan co." When I call to my very horrible surprise they told me I was 18 months past due delinquent. I have all my cancelled checks and receives for the last two years on file. Where is Chase applying my money to? They tell me you have to wait, after I had to talk to 10 different people. Another thing they are playing with my escrow account. I have a fixed interest of 6.25, but to my surprises is year 2010, so far they have taken an extra 5,000 in interest fees. Why? I've been leaving in my house for over 6 years now, never my interest fee was so high?

I called Chase five months ago and asked for a loan modification. I was told to go to a website and answer the online questionnaire. If it came back that I did not qualify to not call them back because there is nothing they can do. I called back anyway. I was told that since this was a WAMU loan that I needed to call a 1-866 number. I called the number again and the agent was very rude by telling me that if I did not qualify then I did not. I tried to explain the circumstances and that the questions did not represent my situation and why I needed the modification. He almost screamed at me telling me that there is nothing he can do. I have been up to date on my payments and in good credit. So I asked if I had to stop payments to make sure they paid attention to my needs and I told him that it would force me into foreclosure. He explained that I needed to do what I thought was right for me.

I have stopped making payments and now I receive this letters telling me to call a 1-800 number because my house is my home and they want me to keep it. I was very interested and called the 1800 number. When I called I was told because it is a WAMU loan I had to call the 1866 number. I called and I was told that it was disconnected and I needed to call the original 1-800 number. I called them back and the lady tried to tell me that I needed to call the 1-866 number again and I explained to her what that number said. She explained that she will transfer me to the right person and I was. A phone message telling me to enter my parties extension. I had no idea who my party was. I have since found a buyer that will buy the house at its current rate of appraisal which is $84K less than the mortgage price but still 71% of the value.

The way I see it, its better to get something rather than nothing. The agent refused and I was told, "We prefer you foreclose than to short sell the house. It is a choice you will have to make." I was very upset and probably louder than usual when he told me that. He would not help me in any way though towards achieving this goal and short sell the house. His quotation was, "So, are you foreclosing, sir? I need to know." I finally gave up and was tired and beat up emotionally.

I have since left the house, moved into an apartment with my son and I am waiting for the foreclosure to go through. I can't believe that being an outstanding citizen, paying all my bills ahead of time and bailing them out with my tax money has got me to this point at age 48. The positive out of this is that my sons have learned a very important lesson from the mistakes of their father. A buyer is still waiting. What do I do? Thank you.

I went through a loan modification due to being laid off from my company in August 2009. I was unable to make my September 2009 mortgage payment. I contacted Chase Home Finance and a payment plan was set up which began in November 2009. I was advised not to make the October 2009 mortgage payment but to make the first payment in November 2009 and two subsequent payments thereafter. After I had made my January 2010 payment, the person I was dealing with advised I may want to consider a loan modification due to my reduction in income. I filled out all necessary paperwork, provided them with all information requested.

I was then advised that I would need to make three "good faith" payments while my documentation was being reviewed and forwarded to a negotiator. During the three months, I was required to send updated wage and debt information twice. After five months of submitting the original documentation, I was contacted by a representative of Chase Bank that went over the documentation I had submitted with me. I was approved for the modification and was sent the Loan Modification documentation for my signature.

After speaking with the negotiator and asking if it was okay to submit the documentation via fax, I took the documentation to a local Chase branch bank and had the documents faxed. I called the documents department to verify documents were received, would be signed by a Chase representative and a copy sent back to me. All of this transpired in July 2010. I was to make my first payment on my new modified loan on September 1, 2010. I was told by a Chase representative that my mortgage loan records would be updated by the time I made my first payment in September 2010.

I called Chase bank on August 27 2010, to check to see if my account was updated. I was informed at that time that my modification had been denied because I had not returned the modification documents. When I told the representative that I had faxed the documents in, after further research, the representative acknowledged that there was indeed an error made. At that time I was told that this error would be escalated to a supervisor and it would be corrected in seven to 10 business days.

The representative told me to call back at that time (seven to ten days). When I called back, nothing had been done. At that time, the request was then again escalated to a supervisor. It is now October 18, 2010 and I am on my fifth escalation to have the error rectified. I have spoken to representatives of Chase bank in Ohio, Arizona, India, and Dallas, TX. The last escalation was handled by a representative in the Philippines. I reside in Houston, TX. I have done everything I am supposed to do. I have provided the documentation I was required to four different times and these so called supervisors cannot seem to be able to take the time to do what they are supposed to do.

I am extremely frustrated. My credit rating is in the tank because Chase Home Finance has reported that I am delinquent by seven months. In order to get this rectified, I have to request Chase Bank to make a one time credit adjustment and my credit report will be updated. I cannot get this done however until my loan account is updated and corrected.

I was having financial problems like everybody else. I applied for a loan modification which they approved me and I paid my payments on time for ten months which they told me it was going to be a trial for three months but every time I called them, they just asked for more repeated documents and kept telling me that it was still under review and to just wait.

After ten months, they didn't take my payment because it was at the end of the permanent modification which it didn't make sense to me. I kept calling them and asking why it was taking so long and they just keep saying that it is the process.

One day, I just got a letter from Chase telling me that I didn't qualify for the modification because I didn't send the documents which I did sent everything that they were asking. Then I reapplied and they told me that I couldn't because I lost the previous modification and they sold the house.

I personally know of other people that they did the same thing. I will like for this case to be investigated.

After being foreclosed on, we were offered "Cash for Keys." We received contract, signed it, and faxed it back. We told them we would be out within 14 days so we could receive the $1000 offer, which we really needed to relocate. We did everything on the list, cleaning, etc, and no one ever showed up for inspection. We have heard from no one since moving out. I have pictures of how the place looked when we left it. All we want is our money promised to us by contract, signed 9-22-10. We vacated house on 9-30-10. We are in need of the money for rent on a new place.

Over the last year, we have been trying to get a home modification through Chase. We are currently in an ARM loan with an interest rate of 8.25% and were a couple of months behind due to Chase paying 2 years worth of property taxes, which I usually pay myself. They added that to my payments which caused them to increase by over $300. I am currently employed with the US government as a federal technician and a member of the ILL Air Nation Guard. I am currently deployed to the AOR in support of the war on terrorism where I am paid based on my rank, which is a lot more than my civilian position.

As stated before, I have been trying to get this home modification for almost a year, constantly resending documentation to Chase and getting no answers. Since deployed, I had to resubmit all my paperwork again (4th time) with current pay stubs. Finally, I got a denial because I make too much. We tried to explain that this was a temporary situation that I would be off active duty in a couple of months, but of course got the canned answer, "You will have to re-apply." All we were looking for was a good fixed rate that combined all of past due taxes, (that they paid) to get us current, not looking for any additional fund.

Currently, while deployed it will not affect us, but once I get back from the war and back to my civilian job, I will be back to where we started. Trying to get answers from the modification department is worthless, you try going to a local branch and they say there is nothing they can do.

I have been trying to get a loan modification/Obama plan. I was told by Chase that in order to qualify, I need to put my mortgage in arrears and go onto forbearance payments. Now, behind they are trying to collect. And they told me that I do not qualify for a loan modification due to unemployment not being considered as income. But I have stated that from the beginning. I did get 1 loan modification where they only put the late payments at the backend of my loan, not changing any of the terms and upped my payment, which I had to decline. That was not what I had applied for nor was that explained from the start.

Now they won't talk to me or accept any further payments, nor will they take off any late fees or help me. I feel that they did not properly inform me and had me go behind in payments, even knowing that there was no loan program for the unemployed. This was a bait and switch. Every person I have talked to at Chase was notified of my financial issues and had me file for a loan modification. After about a week of going through the loan papers, they would no longer speak to me no matter how many times I contacted them. I would like to know if there is anyone willing to talk to me in regards to this issue and let me know if I have any legal recourse.

I was selling my home and it was closing on 21 July 2010. My payment was due 15 July, so I waited until closing since the payoff was sent for. The closing was pushed off until 31 July. I called Chase and told them the circumstances and they told me that if it didn't close, that I could spread the payment missed through the next six months and that my next payment wouldn't be due until 1 September. I said OK, let's do that since I was selling anyway.

The sale fell through. I waited a week into August to find out if the buyer was going to figure out alternate financing. During this week, I was called several times by Chase, sent a foreclosure notice and they even went by my home and put a sticker on it, saying it was vacant and charged me over $100 in fees. With all of this harassment, I decided not to wait any longer and made my catch-up payments for July & August, making me current. The harassment didn't stop. I couldn't figure out why until I received September bill and they didn't apply my payment to the mortgage payments. They put it into principal only payments and had me as 2 months overdue.

On 17 August (two weeks after my payment) they sent a negative notice to the credit reporting agencies that I was 30 days past due. I have perfect credit. They messed up my payments and I've never been late on any payments ever! Why are they allowed to do this? Why can't I do anything about it? I'm not someone who is a credit risk and now my credit report shows that I am. If I could leave them, I would, but I'm stuck. I don't want to pay several thousand dollars to finance with another bank who may eventually sell it to Chase again!

Chase took over our mortgage from another lender a few years ago. When finances got tight, we requested a loan modification. It ended up raising our mortgage payment from $1475 to $1650. When I called to complain, I was told, "We never told you the payment would be lower."

Last year I requested a loan modification through the HOPE program. It was an ongoing nightmare. Files were lost, no one had the information when I called to check on the status, I was told everything was complete only to be told a month later (by someone else) that they couldn't proceed because they were missing forms from me. No one ever gave me the same information. It took over 9 months for our loan modification to be completed. They did lower our interest rate, as promised, but our loan balance increased by $15,000, so our payments didn't decrease as much as we had expected. When I called to ask why the balance had increased, I was told it was because we had been behind and the past due amount was rolled into the new loan. But we were only one month behind. $15,000 would be almost a year's mortgage payments. I called to ask how I could get a written explanation of this discrepancy. I talked to 6 different people who told me they didn't know who I should write the letter to, they didn't have an address or a name to give me. Finally, after 45 minutes on the phone, one person gave me an address and said to send it to their "Research Department."

That was 2 months ago, I have never heard from them. As things got worse for us financially, we decided to give up our home and do a short sale. This has been a new nightmare. I had to call two different days and was on the phone for over an hour just to get connected to the right department to handle a short sale. Each person told me I had been connected to the wrong department and gave me a new phone number which they assured me was right. (One of these was not even a working number.) I finally got through to the right department. Since then it has been one delay after another. They have requested the same information three times. We have a realtor who specializes in short sales and even she is baffled by how they're handling this. I honestly believe that Chase has no intention of helping people; they are running a gigantic scam and taking advantage of our misfortune.

In Feb of 2008, I was laid off from my job. For almost 22 years, I had a great growing career in the mortgage banking industry primarily in operations. The economy as it was resulted in wholesale lending operations being closed down in most institutions. I had some savings but no idea how long it would take to obtain employment in the same field. I contacted Wamu who held our mortgage and was told until I was delinquent, they could not speak to me about modifying the loan.

I waited 30 days, missed the March payment and called back. It took almost a month and a half to find someone to speak to. In the meantime, we listed the home for sale as we anticipated that we may need to entertain a short sale. My husband's salary was insufficient to cover the mortgage as I had the larger income.

The run around, lack of response, changing out of bank employees that were "handling" our file was beyond ridiculous. You could never get a direct line to anyone or email. We obtained a contract on our home and sent all the information requested by Wamu (several times as they kept "losing" it). It took them 3 months to make a decision and in the meantime, the buyer lost financing due to further deterioration in the lending market. We changed realtors and started over.

In the meantime, WAMU would never consider a modification that made any sense and as time rolled by more and more interest accrued. We obtained a new contract. This time, we hired an attorney to help us with the negotiations. Again it took almost 3 months for Wamu to accept the offer. Even the attorney had difficulty in maintaining any type of contact with the same individual at Wamu.

Just when your file would get close to completion, they would change your processor who for some reason never had the information we had sent in previously. What a joke. In November of 2009, after 3months of waiting and a week before thanksgiving, WAMU comes back and accepts the offer but it must close within a week. There was no way that could be done.

The attorney contacted the individual she had been working with at the bank and was told verbally that we could have a 30-day extension to allow buyers lending to do their appraisal/survey/title and for my husband and I to find a new place to live. The attorney asked her to send it in writing and she said she would. The attorney waited and after a few days of nothing, she hounded Wamu to find out what was going on.

The person we had dealt with was no longer handling our file and the "supervisor" told the attorney that the extension we were given had not been authorized by senior management and would not be honored and they were just going to foreclose as they wanted it "off their books". The attorney advised us to give up. Shortly after that Chase bought out WAMU. We heard nothing for a long time until we were notified that foreclosure was scheduled for June of 2010. We never received any notification that Chase had even taken over our loan and we were not even sure as it was our understanding that Chase did not acquire all the loans from WAMU. My husband and I were now divorced but I remained in the home.

I was forced to find another place to live with the pending foreclosure. I found an apartment and with assistance from family moved out. I still have not found consistent employment sufficient to cover day to day expenses. I am trying to change careers but it is not easy for a 52 year old to find employment in a market where they only want young "cheap" labor even though I am willing to work for going rates.

In any event on June 3rd, we received in the mail that Chase was stopping the foreclosure in order to work with the homeowner to modify the loan. Again, what a joke. We were contacted by Chase and I was finally excited to speak with someone who seemed to care. They were not authorized to modify the loan down to $250,000 which was the current market price for the home which would have permitted my ex-husband to live in the home.

However, fate is strange. A passerby in the neighborhood remembered we had had the home for sale over a year ago and knocked on my front door. He wanted to make an offer. I contacted my Chase representative and she told me that they could not accept a short sale offer unless I listed it for sale. It's stupid. Again fate took hold and the prospective buyer advised me that his mother was a realtor. So we went through the hoops of getting a listing agreement, and a purchase contract together.

This was sent to Chase. Also, our rep wanted all the same stuff we had sent to Wamu multiple times. She said none of it made it to her when the merger happened. (What happened to my "private" documents I wonder?) So we sent the stuff again. She quit taking my phone calls and while I could see she was "reading" my emails, she never responded again after the first email I received from her. The realtor was experiencing the same thing, although, I had given them through written authorization to speak with Chase on our behalf. Again, Chase could not find the document, but surprise, surprise, they had the documents that were sent with the same fax that included the authorization. I sent authorization again to the **.

Now the biggest joke when you call to speak about your account is they want the Chase loan number (which was never given to me). I was told by Jenifer (our now missing rep) that all I needed or anyone with permission (realtor) was the original balance of our loan, names, property address, and last four of my social security. Again it was a joke. Everything came to a halt as we were in limbo. Jenifer's loan were assigned to "Pinky" who beyond telling us of that fact never contacted us again. Both their phone extensions changed and no one knew where they were. The realtor then contacts me frustrated and advised me that she found out that the foreclosure had been set again for October.

To this day, we never have received that notice. During this time, I received a call from Chase (the equity division) and they wanted to know if I was open to a modification. The person who called me had no idea that we were in short sale negotiations and his files showed nothing. The funny thing is that this guy calls me but since I did not have the holy trinity of facts I needed to know about my account he would not discuss anything further.

He called me with the number in my file. Giving him my social, property address was not sufficient and I told him I never was given a Chase account number. I asked him who could give that to me to make things easier in the future. He said he could not give it to me unless he could be sure of who I was. Again, he called me! The realtor was able to locate corporate contact information for the business unit supposedly responsible for the modification of our loan. I, as well as the realtor, called and sent off blistering emails. Two weeks later, our sale is approved but they will not remove the language about the deficiency previously with Wamu that had been agreed to in writing. The rep now from Chase says "we pursue the deficiency". However they want me to sign something saying that by their accepting the short sale, it does not absolve me from the deficiency. Do they think I am stupid? So most likely it will not close.

Our mortgage was purchased by Chase from American Home Mortgage in 2007. We had always made our payments on time until June 2008. We had just opened a new Home Furnishing/Design Studio in October of 2007. It was very bad timing because our business was so reliant on the housing industry. I had never seen the economy go down hill so quickly. Now we all know why.

We had put all of our savings into this store and could not get permanent financing for it so we had to close and file bankruptcy. We were trying to assume our house back from the very start and they refused to talk to our lawyer. We wrote our local congressman and we were finally offered a making homes affordable modification. We paid all of our payments on time except in October because our house flooded in the nationally declared disasters last October in Georgia. We sent them a letter stating what had happened and the we had to have the flooring and base molding torn out and replaced. We did not have flood insurance because our home was not in a 100 yr. flood plain, so we had to pay for it ourselves so it would not bring further ruin to the home and our furnishings. FEMA finally came through and paid about half of what it cost and we sent the payment on the 14th of October.

They kicked us out of the modification because of that. What was really weird was that they sent a letter congratulating us for completing the trial period payments and in a separate letter on the same day saying we had been declined from the program for not making the payments. I called the ones who have the oversight of the banking industry and a HUD housing counselor and they were suppose to put me back into the plan.

They keep asking for the same paper work over and over again.This has been going on since December of 09. I know that there are times that some people don't understand or don't send in the proper paper work, but for God's sake could someone at least look at all the complaints on line about Chase! They all basically say the same thing! I still do not have a modification.

This is such an outrage for them to be doing people so badly especially when it was our tax dollars that bailed their butts out and now they are sticking it up ours. After all the stress from Chase, I am having strokes and I am now disabled. I account the largest culprit of causing my condition to Chase Home Finance because of their lies, saying you didn't send papers in when you know you did. I started sending everything certified and signed for, just so they can turn around and tell me that it doesn't matter if it was signed for as it did not mean it got into their system. You think that kind of mentality won't get your blood pressure up? Someone please help!

In February 2009, we contacted Chase Mortgage requesting a loan refinance to take advantage of the lowered interest rates. They were very quick to say no without even looking at our file. They said, since we had not missed any payments, then there was no need in lowering our payment amount. So we contacted someone from another company that claimed they could help us. She said that if we missed a few payments then they would help. So, we missed 3 monthly payments. Then Chase wanted to talk. They said they wanted to help us. They wanted to keep us in our home. So, they offered a loan modification.

We sent all the requested paperwork. After 3 months, they requested more paperwork. This continues for over a year! They finally contacted us about a "trial payment plan". So we made our required "trial" payments. Now it is October 2010. They have denied us a loan modification. They are now stating that we have acquired over $5000 in late payments and/or fees. I have no idea where this amount came from as I made all my trial payments.

They are sending us letters stating they are going to foreclose on our home if we do not pay this balance. I contacted them for help with lowering my payments. Now, almost 2 years later, they are demanding I make higher payments. This process has ruined my husband's credit score. So, now what? They want to take my home, we don't have the credit to get another one, and all we wanted was a lower interest rate. They used our taxpayers dollars to bailout this company, and they're treating their customers like this. That's just not right.

I am a self employed and a year ago fell behind on my house payments. With the housing market turning sour and my business slowing to a near crawl, I fell further and further behind. Hope finally arrived with Obama's modification loan program. I received a large package from Chase containing documents to fill out, a list of documents and statements they required to process the new loan and a prepaid FedEx envelope for the return everything to the bank. I was approved and instructed to make three consecutive monthly payments of a specified amount at which point the loan would be finalized. All the payments were made in full and in time.

The next month, I received a letter from Chase informing me that my loan was terminated for reasons that I had not sent in requested documents. I called Chase and provided them with the dates I had faxed the documents, (some had been faxed 3 and 4 times) the fax number I faxed them to, and what documents were faxed. I even provided them with the printout report showing the date, time, and number of pages sent.

They informed me that in my file they had a record of the faxes coming in but that the Negotiator had failed to enter the documents themselves. I pleaded that I was not at fault for the mistake of a third party's error and that I was instructed to send those documents to that person by Chase. I must have called explaining this scene a dozen plus times being transferred no less than 5 times per phone call, eating up an average of 90 minutes per phone call only to reach a final destination of a department that I have dubbed "the dump department" after each time being transferred to that final place getting a recording stating, "I'm sorry, we are unable to process your call at this time. Please hang up." At which point the line goes dead.

One day, I get this call from a local WAMU bank now Chase trying to get my business, personal, and payroll account business. I talked with Brandy about my problems with Chase and she responded with a "But we are local and we can provide full service on everything right here at our branch, no problem". I made an appointment that same day bringing down the required documentation and paperwork.

It took only 20 minutes to get everything done and based on the fact that my debt had increased and my income had decreased since the first loan had been terminated. Brandy said the re-application for the Obama modification loan was a sure thing. About a month later, I received a letter in the mail from Chase that my loan application was declined. It referenced a letter outlining the specific reasons why I was declined.

A letter I never got nor have I ever been able to get anyone to furnish me a copy of this phantom letter. Chase did however offer me an alternative modification loan through Chase. Go figure. I signed it, returned it by the 6/26/10 deadline and waited for their response.

In August, I started to get concerned that I had not heard back and called Chase. They informed me that the loan was in underwriting and that they were backed up but there should be no problem. On 9/24/10, I receive a letter from Chase that the loan was approved and my first payment would be 9/1/10. Kind of hard to do when that date is almost a month gone. I again called Chase and their response was I agreed to the loan in June. My response to them was that I did not have a signed contract from them until the 24th. They have since then put me in collections.

Now November comes and we get a knock on the door. A woman from GMAC said that they bought our home in a foreclosure sale on November 2009. I was floored. I told her we'd been working on a workout plan with Chase and didn't understand. She gave me a number to call and told me to call them then call her back.

I went in and called and they told me, yes, it had been sold. When I explained to them that we'd been working on a workout plan, they said that they didn't know anything about it. Then two weeks later I get a letter saying Chase needs some more info for the workout plan. Are they kidding me? We lost our home!

In October 2009, I started the process to be approved for a loan modification since my income from real estate had been drastically cut from prior years. I even went to a Chase's Making Homes Affordable event to speak directly to a representative. I was immediately approved for a Trial Loan Modification. However, the payment was not much less than the payment I had and didn't help me. I made the payment anyway, but talked to several people from Chase and they told me to resubmit for another modification.

They kept loosing my paperwork and it was just the worst nightmare. No one seemed to know anything. After months of that--and then finally, I was told, "I think we have everything and we are working on it." Then, I come home one day in January to a note on my door from a realtor (I am a realtor) which stated that they were representing the new owners of this property. I called Chase and they told me that my home had been sold at an auction that morning! I told them that I had been working in the real estate industry for 18 years and know that they cannot legally foreclose with no notification whatsoever.

I told them that I am a realtor and had I known that there was a problem or my home would be sold, I would have sold it myself. I told them that I had been working with the Loan Modification Department and they told me, "Sorry, there was probably some miscommunication between the Workout Department and the Foreclosure Department." So to make a long story short, Chase sold my condo at an auction with not one phone call, letter, or notification whatsoever! On top of that, I was told that I had to be out in two weeks but they would give me cash for keys. I could not believe it or believe that they could get away with this!

I have had a mortgage with Chase for 25 years and have always paid a fixed 8% on a loan of $72,000 for a property in Charlotte, North Carolina. For the past 20 years, I have been living in Australia and for the last eight years, I have had a tenant who paid the mortgage instead of rent. However, for the past five months, he did not pay the mortgage and did not tell me. All I ever received from Chase were emails stating that my monthly payment of $650 was overdue. I was traveling overseas when I found out that the tenant had been lying and that $3,300 was being owed. I contacted Chase and said that I would pay the full amount when I returned to Australia two weeks later.

When I got back and tried to pay the money owed, I was told that Chase had put the property into foreclosure. I did not receive notice of this at my Australian address and a real estate agent who visited my property said that there was no mail from Chase. I have spent hours and hours on the phone trying to solve the problems as well as sending emails. The messages I have left have been unanswered and the emails have not been answered.

Two nights ago, I spent three hours on the phone being pushed from one person to the next. After three hours, I was told to ring back in 48 hours. When I rang back, I spent another two and a half hours on the phone having to start again, trying to solve the problem and to register a complaint. I insisted that I wanted to register a complaint about Chase's appalling service, and eventually was put through to a message bank, yet again. In my life, I have never come across a company like Chase. They foreclose on a mortgage I have paid for 25 years without warning, and refuse to answer my questions about getting out of this mess and refuse to accept a formal complaint from me.

On or about June of 2009, I contacted JP Morgan Chase about helping me modify my loan because my income has decreased (I'm in sales) and was told by the lender that I only had three options: 1) Keep paying; 2) Deed in lieu of foreclosure; or 3) Short sale.

I then went to Chase Home Loan Consumer Help located in Las Vegas to get advice. I was told specifically that they could not help me until I was three months behind then she could help me. After three months, I contacted her again and she had me bring in all my documents, pay stubs, bank statements, etc. She submitted the paperwork to the bank and I was denied a modification in December 2009. I then received a Notice of Trustee Sale on my front door on or about February 2010. Nevada recently passed a law that allows homeowners to go through mediation before the bank can foreclose. I elected for mediation, hired an attorney (at significant cost) to help represent me through this process. It didn't help matters.

The first mediation was scheduled for the end of July 2010. The bank came to the mediation unprepared and after two hours they asked for a continuance of three weeks. We granted them the continuance (I didn't have to) because their attorney in the mediation stated that I qualified for the HAMP and this is what they were looking to accomplish. Three weeks later, we attended the mediation and after another three hours of bantering with the bank representative on conference call, we came to no solution.

The bank representative was so rude and kept accusing me of strange things that even the mediator was raising his voice to get her to pipe down. In the end the mediator wrote a long dissertation that the "bank acted in bad faith". What that means in Nevada, according to my attorney, is that they had to start the whole process all over again. I had two choices at that point: 1) I could go to judicial review, which costs more money. I was told by my attorney that the Judge that handles these reviews will send us back to another mediation, because he has not up to this date forced a bank to change to the terms of the loans. So don't spend the money and waste your time. So I chose option 2: make the bank start the process all over again. My attorney told me that they generally take quite a while before they start the process all over again.

On October 1, 2010, I received another foreclosure notice on my front door. I then decided to get another opinion, something didn't feel right. I went to the country recorders office and looked through the paperwork that had been filed on my property and noticed that the Assignment that was filed back in March of 2010 from my original lender that went out of business in 2007 was signed illegally by an employee of the foreclosure company saying he worked for MERS and Greenpoint Mortgage. My second opinion attorney told me that the bank never got their "Certificate" from the mediation and they have no right to start foreclosure proceedings again and they were the ones that were supposed to go to Judicial Review to get the "Certificate".

Long story short: I am being foreclosed upon illegally and unless I file a suit against the bank, they will be allowed to take my home. All it takes is money and more money to fix the problem or just prolong the inevitable until the State of Nevada does something. Many other States seem to be reacting to this widespread problem, but you never hear about Nevada doing anything. Why? Our elected officials are too concerned about getting re-elected rather than helping honest and good citizens that acted in good faith.

my mortgage is $9,000 behind now because for all of the months I have been paying the modified amount Chase has been marking my credit history as late. I'm in a pickle and have no idea how to get out of it. You can't get anyone at Chase who knows what is going on. I have a 10-page story from the time I started this mess till now and not sure where to turn. I would however like to tell Obama, once again his plan has failed Americans! I'm behind on my mortgage, my credit is shot and I am a single mom with 2 children and not sure what I'm supposed to do.

Chase mailed a PIF disbursement check to my husband and me. It was damaged by the post office. When sent to our bank for deposit, the bank would not accept the check. I called Chase to ask where to return the check to. Because I was not the account holder, Hazel, Chase's customer service representative, would not provide a mailing address to me of the Chase department to return the check to for re-issuance. I explained that my husband was handicapped and unable to dial all the numbers required to speak with a human. To reach Chase, you must dial Chase (1-800 848-9136), then enter the account numbers, 14 digits; then the last four digits of the SSN. Hazel was unable to provide a telephone number to accommodate a caller that is handicapped.

I was in a Short sale and recently I find out that Chase sold my house on foreclosure for more that I paid 10 years ago. I did not receive even one document from Chase preparing me for the foreclosure. The only communication with the bank was by my phone calls. I put 20% down payment for my house; I lost every penny, bank did lose even one. Whenever i spoke to any of the bank rep., the only answer I had was that I cannot afford it. Now they are telling me to move out and become homeless. My 20 years of work went down too. Thank you.

I first applied for the home loan modification in May 2009 and was set up on a 90-day trial period over the phone. The rep took information from me and then asked me to go online and download and fill out the required documents. I did as I was told, paid my trial period payments given to me over the phone, filled out all necessary paperwork and faxed to Chase. After making the 90 day trial period, I was told that it was taken longer than expected for all paperwork to be reviewed and to continue to make the trail payments until I hear back from them.

Needless to say, I received a phone call from Chase collection department, wanting full payment. I advise them that I was making the trial payments and they advise me that I was taken out to the loan modification program with no explanation as why. So, again I was set up on another loan modification, given about the same amount to pay for 90 days and told to resend all the necessary paperwork which was done. Needless to say, I was removed again with no explanation.

Now, here it is 16 months later and 4 different loan modifications set up, since I first applied and still no modification. I have called Chase every two weeks to check on status and each time was told my 'package application' was complete and waiting on underwriter. I just recently received letter from Chase stating they needed a form that has been faxed to them three times.

As with many of the stories I read before about Chase giving homeowners the run-around, I am convinced that they really do not want to help. So, right now, we are saving our money so when they do decide to foreclose, we will have money to find a place to go. There are two things that are disheartening; (1.) when i initially started this process, I was only 1 payment behind, now I'm 9 payments behind and (2.) sad to think that the government gave Chase money to help struggling homeowners, but have not found one person that they have helped. I hope that there is someone to help future struggling homeowners and it may be too late for me and my family.

As I continued to work with Chase, I was told that they needed another appraisal, which is the opposite for the housing reform process, but I agreed. They sent an out of area appraiser and he said my house was worth $10,000 less than what the loan would be. Long story short, they told me I needed to pay $15,000 to get the new rate. I called my original loan company and had no hassles and a loan within a few months. I think it is unfair that we have big business companies like Chase who hold you by a string and feel they can bully their clients. It is just bad business!

The second denial took 9 months. I sent every piece of documentation possible over and over again. I was told 5 times that my request was with the underwriters. Every time I waited a week before contacting Chase again and again. I then told that I needed more documentation that they didn't receive. I decide after 6 month to fax all info thru their bank in San Antonio.

After five different faxes of info, they finally told me that they had all they needed. So I waited another week to check on it. I was then told that I needed to send the info again because they needed updated info. I sent it again and after two weeks, I received a letter denying me the modification. My complaint is that fact that I tried to pay my contact mortgage during the process but was denied.

This all started when my wife passed away in November 2005. I also had to do an early retirement with the Carpenters Union. I then got a job with the city and was laid off. I am retired military and have a military pension and a small pension from the Carpenters Union ($1800 a month). I also have another source of income they refuse to take in to consideration because the only proof is on my taxes filed. Not enough proof for them. I got into this mess because they messed up the escrow analysis which created a deficiency every year since Chase became my mortgage company. I requested that I pay my own taxes, and after several attempts they agreed. I got behind in 2008 and was working with the city to make payment when Chase paid my property taxes and my homeowner's insurance and increased my payments from $696 a month to $1100 and called it my mortgage payment.

The first payment was deducted from my checking account and bounced my other bills. The story goes on and on. I contacted the BBB and filed a complaint, but they said that they received no response from Chase and recommended I file a complaint with the Ohio Attorney General. I have filed this complaint with no reply. I am now over 9 months behind and the property taxes for two year totaling over $13000 in arrears. I am forced to file a Chapter 13 bankruptcy to save my home. I have retained a lawyer and once the debt counseling is complete, I will be filing next week. As a result, my credit is shot and I couldn't borrow any money. My credit score is poor, so I can't refinance or cash in equity.

Since I have been frustrated while attempting to communicate with Chase Bank regarding the mortgage loan for the property at 19942 SW 96th Place, Dunnellon, FL, 34432, I would like to make another attempt to express my concern about it. I submitted a copy of my September, 2008, divorce decree to you yesterday, but this was actually the second time I have forwarded a copy to Chase.

I am not requesting anything from you, except that you inform someone in authority of the difficulties I have faced in my attempts to discover the status of the loan still bearing my name as a co-borrower of the loan. At the time of our divorce, Mr. *** agreed to assume the mortgage in his name. The divorce decree is also a court order and I mistakenly believed that he would follow through with it. I included that stipulation in the divorce decree because I knew that the bank had to remove my name to absolve me of any responsibility for the mortgage.

In exchange for that provision, I gave him all of the home furnishings, appliances, new flooring, new roof and rental property for which I had paid cash from my retirement savings. The only thing I needed in return was to have him remove my name from the mortgage.

I was unwilling to provide him with quit claim deeds for both of those properties until the mortgage was in his name only, but he took me back to court in August, 2009, with numerous other claims against me that the judge found to be groundless. I was ordered to sign them immediately, and I did. That left me liable for the mortgage, but without any ownership rights to the property. By that time, communications between us were completely broken.

In December, I received a court notice informing me that Mr. and Mrs. *** were filing for bankruptcy He still owed my money because I had overpaid him until the time of the court hearing in August, 2009. At about the same time, I received a short message that they had moved into the rental property. I assumed that the mortgage was a part of the bankruptcy process, so I thought that the issue was closed when I got the final notice of their bankruptcy sometime in February, 2010.

In April, 2010, Mr. *** emailed me with a request for another copy of the quit claim for the homestead property. He claimed that he had lost the first one. In that message, he indicated that he was going to get a deed in lieu of foreclosure agreement with Chase. While I was shocked to learn that he still had the property, I immediately prepared another quit claim and sent it to him express mail. Again, I thought the matter was closed.

In July, 2010, I received a notice from one of my credit card companies that they had lowered my credit limit. I called them, and learned that they dropped it because my credit score had dropped by 40 points. I immediately sent for a credit report and discovered that Mr. and Mrs. ***n had not made mortgage payments for several months. They seemed to coincide with the months preceding the bankruptcy hearing and the discussions about the deed in lieu of a mortgage. That was when I learned that my name was still on the mortgage account. Since my credit score was still 838, even with those adverse charges against it, I still wanted to find out the status of that account.

During my first round of conversations with Chase, I told them that I was well aware of my obligations for the mortgage loan unless Mr. ***assumed the mortgage. They sent a copy of the assumption papers for him to sign. Only a short while later, I learned that Mr. *** had been killed in a traffic accident. I called Chase again, told them what happened, and they told me to send a copy of the divorce decree. Because it indicated his agreement to assume the mortgage, they said that it would be enough. I sent them a copy, along with the enclosed letter, in August, 2010.

After hearing nothing from them for over a week, I called Chase again. Nobody knew anything about it, so they put me through to the assumption department. I got nowhere with that, since she kept indicating that I was responsible unless the new owners signed assumption papers. I already knew that, but I was getting very anxious about the status of the mortgage. Finally, the person in the assumption department gave me a non-working number for the foreclosure department. I gave up. Hoping that the process was finally over, I decided that I could accept a credit rating of 838 and leave those adverse reports on my credit report. None of the information I had been given made any sense to me.

In late September, I applied for a modest home mortgage loan pre-approval. I explained my efforts to discover the status of the Chase mortgage loan, and my concern that something may still be lurking out there without my knowledge. I figured that they might be able to help me figure out what was happening with it. Needless to say, they denied my loan application because my credit rating had dropped down to an average of 625. When I contacted the credit agency, I was informed that reports of mortgage non-payments were continuing to pile up.

By now, I was really panicking. When was this ever going to stop? Would this continue for the rest of my life? Where can I get some legitimate valid information? After jumping through the hoops at Chase, and leaving a message with the same person in the assumption department who was no help before, I decided to take a different route. I contacted my local banker to find out who I needed to talk to about foreclosures in a normal bank.

I then called a Chase branch bank in Florida, with the hope that their loan officer would help me find a real person who could discover the status of this mortgage. He was very helpful, and he suggested that I go to a branch bank here in Michigan and ask a loan officer to help me wend my way through this mess. He also gave me some numbers. I was lucky during my first call, since the customer service person was able to give me the secret number of the Chase foreclosure department. I called them, and was informed that the mortgage was in the foreclosure process and that a date was set. Then the person said that his system was down and that he had to put me into the queue. I called back, and was connected to someone else. That person didn't give me a date, but he did give me the name and number of the law offices responsible for the foreclosure process.

I called the law office. After five dead-end tries over a period of another thirty minutes, I was finally connected to you. You informed me that you would remove my name from the foreclosure process if I sent a copy of the divorce decree. You also told me that you couldn't say if Chase would remove all of those adverse reports from my credit report.

Over the past five years, I have managed to survive six fractured ribs, cancer surgery and radiation therapy, surgical removal of two of the smashed ribs three years after the accident, a divorce, and the loss of my life savings. All of that pales in comparison to the hopelessness I have experienced throughout this process.

Sincerely,Leila L. ****

As our mortgage was ready to change from interest only to fully amortizing, we worked with Chase staff over a two-year period to either rewrite the mortgage or refinance. Several times, they lost documents, making duplicate requests for the same material and/or complaining that we did not submit required documents. Eventually, they declined to change the mortgage because they computed our family income without computing our family expenses and the ratio was not sufficient. The entire series of contacts made it easy to believe that they don't take mortgages seriously.

Our mortgage payments increased almost $500 the next month. We are both well past 70 and retired on fixed income. The games these banks and investors played caused a recession which made it impossible to refinance as we had planned. Then they mishandle out attempts to improve our personal financial existence.

Chase Mortgage I called and asked to change the due date by a few days. No problem. Then I get my statement. They charged me almost $800 for doing this and I was never told.

I was notified at the end of August that my loan modification was not approved because I did not make my February 2010 payment. I had made a double payment in November 2009. I had been told repeatedly by EMC customer service not to make the February 2010 payment and make a partial march 2010 because I had the credit to do so; I have made all other payments on time. Now these denials had been sent to a wrong address knowingly by EMC they had my correct PO BOX address and had been sending mail there for years. After contacting Genia in TX ** she told me to contact Cheryl ** ** to file a complaint against Larrisa ** for jacking this up so badly. Of course Cheryl would not answer her phones so I called different versions of Cheryl's number until I got someone live **. She refused to give me Cheryl's supervisor's number. So today 10-1-10 I am at the same place I was a year ago with these **.

I received a contract for the sale of my home on 12/09 (which I assume is close to the appraised value of the home.) I tried to work through the regular system for three months. I contacted the executive office and was assigned a person to guide me through their "process." I was handed off to a person in the Short Sale Department. I worked with that person from 3/10 until 8/10. After several months, I requested that I be emailed a list of all required documents and was told that they were not allowed to put anything into writing. Nice person, she promised not to throw me back into the black hole, her words. In September, I was back in the black hole. Again, I contacted the executive offices and was assigned someone to help me through the process. I have a new person in the Short Sale Department.

I believe this bank is a predatory lender. They could not exceed $200,000 on our first mortgage so they did a 2nd mortgage as well. The first mortgage is $187,668.44 at 6.50% and the second is $47,552.95 at 8.70%. The first mortgage payment is $1238.86/month. The second is $383.73/month. My home was appraised for $250,000. We were told at the time that the same property's assessed value is now at approximately $115,000 this year. Our taxes have went up and the value is obviously way down. We are struggling to make this payment and it is very disheartening to see our home devalued so low with such a high payment. I called Chase about a modification, and they said to qualify, we needed to be 60 days behind on the mortgages.

We really are at a loss. Our government bails, the banks out, and consumers can't get help unless you want to default. Why can't they help people before they get into trouble or fall behind? I try to keep my mortgages paid and not be late. I have been late on credit cards, but I felt that would be better than my mortgages. I guess not anymore.

In 2008/2009, I applied for a loan modification. My mortgage payment was $2,100. After the loan modification was approved, my payment jumped to $5,000 a month and I complained about what type of assistance is this. Chase refused to help me. My house is going into foreclosure.

In a letter dated September 23, 2010, from Chase Home Lending VP, Deana G ** states: "The security of your information is important to us, and we strive to handle it with care and discretion at all times. We recently discovered that an employee sent your name, address, telephone number, loan number, and general information about the status of your loan, most of which is available on your recorded loan documents. It did not include your social security number or other banking or financial information. Please accept our apology of any concern. We investigated the incident and have taken appropriate actions with respect to the employee.

The employee also confirmed to us in writing that the information was deleted. We do not believe you will be impacted by this; we want to make sure you are aware of what happened. On the back of this letter, we have included information on "How to Protect Yourself" that gives you additional steps you can take to help protect yourself. Again, we apologize for any concern. If you have any questions concerning this matter, please call us at 1-877-525-9156 Monday-Friday, 8 am-9 pm ET, or Saturday, 8 am-5 pm ET."

My mom has been trying to get a home modification for nine months. I hear her every day on the phone and she get a different person every time. Each one tells her a different story. We have gone to the locations every week with the delivery paper that they say they need. Then, they turn around and say that they didn't get them. They say that they will call but they never do. She has lost so much time off of work--it is a shame. These people are paid to do nothing and people are losing their homes. I wish that I could do something to help her and many others to stop this. The people that she speak to are liars.

Due to a divorce and an unemployed ex-spouse, I applied for a loan re-modification in May 2009. I was contacted by an Underwriter and put on a forbearance plan for 3 mos., then told not be make 3 mos. of mortgage payments until the loan was approved.

She called me in October 2009 to say my loan was done and a new loan document would be coming soon. To date, 17 months later, I have never received the new loan agreement, but I have been making the new loan payment every month on time. After more calls to Chase than I can count, and several letters, I was told just last month that my loan was approved in March and denied in June.

I am not being told they have to "update my information" in order to "reinstate" my loan. I was asked the qualifying questions all over again and sent the "Make Homes Affordable" packet all over again. I faxed everything required back to Chase and was told it will take 4-6 weeks for a decision. I got a letter over the weekend from the Foreclosure Dept, sending my Sept payment back. They told me my home is now in foreclosure. I explained the situation and an email was sent to my new "Relations Manager," asking her to contact me. My only hope is God's intervention at this point, so I am holding on to faith!

I received a letter about my Flood Insurance stating I did not have enough coverage. My condo is valued at less than $70K. It's a 2 story unit.

Chase informed me I had to carry $250K of flood insurance! After several go arounds with Chase representatives, they finally understood that my unit was in a building of 6 units and the building was insured by the condo association for over $600K. So they decided I have to carry $125K myself which is still too much.

There has been no flood in my area for over 100 years, and if by some weird chance water did flow over a 25 foot burn and spill 100 feet past to my back door, the water would only damage the first floor. My first floor is a tiled floor and the condo insurance covers the structure and roof. So what would be left would be the drywall! I don't think I have $125,000 worth of drywall work as my unit is only 1,200 sq feet!. I would think it is illegal for a bank to force me to carry insurance for more than what my condo is worth as well as forcing me to cover it for more than what it would cost to repair.

I never wanted Chase as my mortgage company. They bought my "paper" from First Horizon which is a wonderful company and very customer service minded. Chase ** and they are a rip off company! Chase has ** customer service. I could get in touch with our US President easier than getting a human on the phone at Chase!

We applied for a loan modification program thru Chase mortgage because they indicated that they might be able to help us on our mortgage payment, and instead they screwed us over. I should have looked online at the tons of Chase loan modification horror stories before we went thru all this. First they assigned us a relationship manager that we have never even been able to communicate with in at least a dozen calls, I don't even know if this person even really works there! How's that for a great relationship?

We never have been able to talk to the same person twice, they give absolutely no guidance whatsoever, can't answer any specific questions, transfer us to several departments, then back again, each time having to run thru all our personal information again and again. They make it so difficult to get an answer that I think they hope you give up. They filed foreclosure on our house while we were trying to get them to process this application, then our request was denied, saying we don't make enough money for a lower payment! (In other words they would rather take the house than give us a break).

Fortunately we have the money held back to reinstate the loan, (while many others don't have it, and they get ultimately screwed). But just trying to get the reinstatement amount and where to send it has taken almost a month now, they keep telling us the reinstatement letter will be sent out, we wait, and nothing. After three go-rounds of this, we finally find out that we need to get the statement from their attorney's office! And where is our "relationship manager"? There is none! The basis of my suit would be that we were assigned this Relationship Manager but still had no guidance whatsoever; never knowing who to talk to, or what to do, it was a farce. Could it be that the only reason a (non-existent) Relationship manager is assigned to each case is because it is a stipulation in order for Chase to get this government relief money? Which may be fraudulent in itself. But on top of them not helping, they have put us off for so long now that they have been able to pile on another $1000 in penalties and attorney fees. It would be my pleasure to sue them.

My payment is due on the first of October. I called Chase and informed them that I wouldn't be able to make my October payment and if I could put it on the back of the loan or something. I was told that the only thing I could do was to let my home go into foreclosure; that they couldn't do anything for me. He told me that if they let everyone claim a hardship they would go broke and the only way was to go into foreclosure. I became frustrated and sick over this. I don't want to go into foreclosure, that's why I called. I am getting to the point that I should just walk away and let them have my home back. I don't care if I have to live on the street.

Since Janurary 2010, I have trying to get a loan modification due to financial hardship. All requested documents were faxed. Chase has failed to help me in anyway. I have been told by outside source that I indeed qualify for the H.A.M.P. Chase just refuses to assist me with any help.

I was misled about a mortgage modification. The action that lasted more than nine months put me in very deep trouble with my mortgage. I want to write some letters to someone about this action. I'm looking for some addresses.

We applied for a modification in 12/2008. We were put in a modification program in 4/2009 making a modified payment. In July of 2010 we received our modification loan documents. I called Chase about the new loan amount and they could not answer my question and I was told to return the documents unsigned because there was an error of which I did. Five days later I receive the exact same docs so I signed and sent back. Two months later I call and I am told they had the wrong maturity date on the documents and were generating new documents. We made the new payments for August and September.

Today I was told that our modification was denied! What! How can that even happen I already signed new documents? I had a heart attack and quadruple bypass in May dealing with Chase. I could go on forever about hat I have been through with Chase. You cannot talk to anyone with a brain or anybody who care's. My whole life savings is in this house can someone please help!

In January my husband and I were unable to make the mortgage payment for the first time in 7-plus years because my husband was injured. As soon as we realized this, we contacted Chase's customer service and explained the circumstances. The CSR informed me that because we had always shown an ability to pay, they would not let us skip a month. The next month we contacted them and asked if we could have approval to short sale the home. They told us that the only way to get approved for a short sale was to be 3 months behind on the mortgage.

We informed Chase reps that we had not asked for a modification but rather a short sale. They were unwilling to give me an amount they would consider. They instructed me to call them if we received any offers on the house and they would let us know whether they would accept it.

The house has been listed with a property management company for awhile. We have had no bites. We lowered the price several times and still nothing. I received a call from a Tracy in the Short Sale Approval department (something close to that). She informed me that our original information packet had expired and we would have to complete a new packet.

We completed all of the information and submitted pay stubs, etc. Two weeks later they initiated foreclosure action. They are advising people not to pay their mortgage in order to qualify for a program they aren't going to approve you for anyway. Also, the attorneys that are handling foreclosures in the state of Florida for Chase are under investigation by the Florida State Attorney's office for fraudulent foreclosures. We have found information in our own paperwork that differs from the documents provided by Chase. Dates don't match. Documents were notarized before they were even signed by us. I would like to initiate a class action lawsuit against them for fraudulent practices. Chase has all of these rules, yet the average consumer is not made aware of them.

They change the rules mid game. My husband is still on disability. He wants to work but cannot because his employer will not allow him to return to work until he is given a clean bill of health. He has had one arthroscopic surgery and must have another on the other knee. We must now pay an attorney to defend the foreclosure. We were unable to pay the mortgage because of my husband's injury and now must pay an attorney to handle this or we will never be able to provide a home to our children. We are staying with my family because we have no place to stay. It has wreaked havoc on our lives. My children have health problems. I have chronic migraines from the stress that this situation has caused us. All we wanted was help. If Chase was willing to work with us, just a little, we would be sending the money to them each month. Now we get to pay an attorney.

I started a loan modification in Sept 09, sending in all the documents which were required. I never heard a word from Chase, so called them to find out the status on my account. Usually the answer was" Oh, its in the works," or "these loan restructures take time", etc. Since that time, at least 15 times in the last year, I've sent them more documents, which they say were not received by them. I do believe all of my hard work is trashed, so they can use that as an excuse to hound me for more documents.

executive bonuses and pay raises. I am so tired of dealing with these folks. Sometimes maybe they want me to lose my home, and are not willing to work with you. All of my house payments have been on time for almost 3 years now. Please help me. Thanks.

They offered me a forbearance agreement and said I was approved for a loan modification and then after 9 months put my house up for sale. I had to come put of pocket $20K to save my home. This has caused emotional and financial hardship.

I wrote to complaint before about my struggle to have chase modified my home loan. After a year of waiting, I finally got an unofficial response from a Chase representative. I contacted the department called Executive Resolution Group because Chase was taken so long to give me a decision. I receive a message about two days later to call that department.

The representative told me that my loan modification has been denied because I have not falling behind on the payments and that they only work with people who have fallen behind on their payments. If in the future, I fall behind than I can reapply. This does not make sense and does not sound like a valid reason to be disqualified. Just because I am making the payments does not mean that I can afford to make the payments. I am struggling to make these payments every month. This payment is about 50% of my income. I thought that the banks used a specific formula to help those in need. Please, I do not know what should be my next step and need some advice.

Several months ago (approximately 8), I wanted to refinance my property at ** where my 83-year-old mother resides and who is also on the mortgage. I spoke with a gentleman at Chase who advised me to take advantage of a loan modification since my interest was 8.875% and could possibly be lowered along with lowering the 20 years I have left on my mortgage to possibly 15 years. I was told that I would be put on a trial period for 3 months starting in February 2010, payments would go down to $308.00, (Chase would pay property taxes and hazard insurance which they had not in the past) from $484.68. However, the paperwork continued for several months.

On September 01, 2010, a letter was written by the Homeowner's Assistance Department stating that I do not qualify for modification through the Making Home Affordable (MHA) or through other modification programs offered by Chase. The reason was that the monthly principal and interest payment on my first lien mortgage loan plus property taxes, hazard insurance, and homeowner's dues (if any) is less than or equal to 31% of my gross monthly income. I gross approximately $2,028 and my adjusted gross income is approximately $1,500 a month. My mother's income is approximately $900 (my mother helps me by paying the property taxes and I was paying hazard insurance to Allstate who would not renew my policy after learning that Chase would possibly be paying the insurance for me.

At present, I owe late fees of $3,392.76. I was offered a repayment plan of 7 payments starting this month, September 2010, $484.68; October through January, $1,222.17; and in February, $595.34. One individual that I spoke with told me that if I did not lock in to the payment plan, a payment of $2,000 was needed immediately to avoid foreclosure. I was under the assumption that lowering interest rate was available to all homeowners under the Obama stimulus package. Chase or any other financial institution should not let individuals go beyond 3 months with their so-called trial period on loan modification plans. I strongly feel that Chase and probably other financial institutions are intentionally setting individuals up to fail and foreclose on properties. Financial institutions are still looking after their own interests and do not have the best interest of individuals in this hard economy.

I do not have the money to pay back what Chase is asking for at this time. My mother is residing at the property and for me to tell her about this problem would bring on emotional and physical consequence to her health. This is any economic crisis for myself since I also pay bills at ** Albuquerque, NM, and at ** Las Vegas, NM. I would like to join the class action against Chase.

My home was financed through Chase since June 2007. Amount of $441.62 a month. This was Prin, Int, Tax & Ins. For 30 years, I made payment to Chase in July, have called. Not late more than 3 times by a few days. Also in July Chase sold my loan to LBPS loan co. for $585.78 a month. This can't happen, I am 70 years old with ($674)SSI & food stamps & medicaid. I barely get by now. I will be homeless, no where to go.

At this point, I am thinking about withholding payments in order to pay off my credit cards bills. Any suggestion will be appreciated.

My adventure started with Chase/WAMU last April. At this time, I was with my husband, he lost his job and I contacted WAMU to see what we could do to lower payments or try to work something out. I began my Home Modification workout. This was a semi-smooth process, although I did call almost once a week to see what was going on, but finally got some resolution in September or October of 09, a modification had been approved, for $100 less than my original 1500 payment.

By this time my husband and I had split up. I was not able to pay that amount and he did not want the house. This is when my horrible experience started with them. I had already moved out and the house was vacant. I was walking away. I received a call from a Chase representative that wanted to know why we had not continued with the modification and what was going on in December of 09. I explained my situation, that I can not afford 1381 with only my income and she suggested that I try to do a modification with just my income. As long as I can get my husband to sign a Quit Claim Deed, they can modify in just my name and that it was worth a shot.

So, my process started in January 2010. I submitted all new info, got the quit claim deed and had hope. I kept in contact with the girl that had told me to do this until April. She had changed departments and had become an underwriter. I would call once a week to her, or to the call center from January until April and no one was touching my file. Getting a hold of the girl that told me to redo the modification was difficult, I would leave message after message for her with no resolve. I finally got a hold of her and found out no one had touched my file and they were going to sell my house. She spoke to her supervisor and was able to work my account. I later received a forbearance period from May, June, July. The paperwork told me I had 0 balance due and I needed to submit income information before July 1.

I submitted my information June 29th. I called once a week in July to check on the status and see if anything had been done with my work out. Every week a representative would tell me, it is in quality assurance, they are reviewing your information. It can not get escalated until it has been over 30 days. So I just called and called in July.

So, I called back on Monday the 9th, because I had not received the letter yet and I wanted to know why. The woman I spoke with said there was no letter sent and she wasn't sure what the other lady was talking about. She said she would get it escalated and that I had to submit additional paperwork again because my paperwork was over 30 days old. I asked what happened to my previous escalation from a week prior, of course no answer and nothing was done.

She told me I should have more information on the escalation in a few days. I called back the next day and spoke with someone else to check on what was going on. I was freaking out at this point because my house was going to be sold on the 18th of August. I was advised that it was escalated and to call back. I called back on Wednesday and at this point, I started requesting to speak with a supervisor or manager. This is when I found out that "they are only here for administrative purposes" Their front line is all you get and whatever they say, goes.

This is when everything is kind of blurry, I spoke with so many different representatives that it all kind of merges together. The just of it was that, I was in an active modification, but I was also in an active foreclosure. My account was messed up. No one was touching it and nothing was happening and my house was going to be sold in a week. I finally got someone to give me their manager, Paul. I spoke with Paul and explained what what going on and he agreed that it got messed up and basically fell through the cracks, because I was on a forbearance period where no payments were due. He said he has seen it before and apologized that the letter they sent me they did not tell me I had to submit a new package for home modification.

He got my foreclosure held off for another 30 days to give time for my package to be looked at. I printed off and resubmitted my paper work. I called to confirm if they received it and of course was told they did but it cannot be escalated until it has been over 10 days. I called back a week before my sale date of 9/15. I spoke with a representative that told me of course nothing was done, but new news. As of august 26th, they closed my account for modification. No real reason as to why, no one ever looked at my paperwork. She tells me she is escalating it and to call back Monday to request to have my foreclosure date postponed because she could not do it until someone has not looked at the account.

I call back on Monday. The first guy I speak with tells me he cannot do it. Something about fanny may, and it is too close to the sale date so he can not. I was on my lunch from work so I had to wait to escalate it until I got off of work. I called back after work and spoke with another man. He, without any issue, sent an email to his manager to have the account postponed because no one had looked at my paperwork. He told me to call back the next day to check the status.

I called back on Tuesday on my lunch and I spoke with a wonderful caring man. He immediately put me on hold to check on the status. He came back and told me the manager it was escalated to was not in until after 230est and to call back then, but that he did send it to his manager to see if he was able to find anything out. I called back after work, and spoke with a horrible rep. She was rude and just not caring. I work for a living as a customer service representative so I tend to be sensitive to their work, it **. But, when it comes to someone losing their home the next day because your company did not do what it was supposed to do, there are times you know that you need to go above and beyond the normal.

She said no updates, and it could be 48 hours. I don't have 48 hours at this point. I asked her to put me on hold and check with her manager, like the rep I spoke to earlier did because it was important. She placed me on hold and still gave me no information. I requested to speak with her manager, she refused, said one was not available. She started to raise her voice with me, which made me quite angry and I told her not to raise her voice or be rude to me, and, she hung up on me, released the call.

I called right back and spoke with another girl, who told me the same information, and refused a manager. I continued to request one and she transferred me back into the Que. I ended up with another girl. Once again was denied a manager. She told me that the reason that my account was not in modification was because all the paperwork was received while i was in an active forbearance. She could not of course explain why no one looked at my forbearance. She said i did not complete it, which makes no since, I did I submitted my info and made no payments as asked. It is their fault, they did not look at my paperwork and every time i called, I would get something new. Even the manager messed me up. According to the last girl, I should have had to submit a whole new package as of the 26th when they closed it, in error of course for not actually doing anything with my paperwork.

So here I am now, they are selling my house today and it is being foreclosed because absolutely no one did their job. I wish I had the money for a lawyer as I can see they have done the same thing to many people. Everyone asked me about all the help for homeowners in trouble, there is none. I wonder if the president actually knows, or even cares. But I am now homeless and nothing was done to try to help.

So throughout this all, no one at chase has any idea of what to do. The manager I spoke with should have done more to correct my account, but did not. All of the reps have been trained to just b.s their way through the call. These are people's lives and homes they are messing with.

Today is 14 Sept 10. This all started on July 2009 when I called Chase Mortgage. I was on emergency maternity leave and the decrease in pay was expected to last for another eight months. Being concerned about not being able to pay the mortgage in a couple of months, I phoned Chase and explained my situation. I was told that with this certain questionnaire, I could probably qualify for a mortgage modification, seeing as Obama had supposedly approved the funding for the mortgage crisis.

After the questions were answered, I was told that the mortgage could be changed for a certain period until the 60-day modification process ended. Great, I took the bait! Paper work needed to be faxed, paper work needed to be mailed and it was all done with proof in tow. I never heard anything from them. I called in December of 2009 and was told they're still waiting or they need more paper work.

In the meantime, I wanted to know what payments needed to be made. Each person I spoke with informed me that I should keep paying the amount told to me in the beginning as I was still waiting for the modification to be done. After notices were put on my door not once, but twice, I did call again to figure out what was going on.

Chase has no short list of those meanies who call themselves customer service agents so I made a call. And you guessed it now. The amount that I was told to pay while waiting for the modification has completely ** me. And now, this rep was telling me that those payments were actually payments that were way below the initial mortgage price to get those who have paid on time to get them into the not on time slot! Well, this really ** me off then, another kicker is that with every one of those payments made, Chase also puts a negative ding on your credit score!

Cake topper--here we are, September 2010. And as of today, we have been told either you make too little, incorrect paperwork or certain papers that were received prior are outdated and need to be redone! I would love to see these guys go down. I will tell you I am not above corporate bashing as this is one of "those" corporations.

Loan mod was told to be approved and then 2 months later denied without phone call/notification. Working with Chase's loan mod dept and they were not notified either. May lose home!

Chase Home Finance. Let's face it, none of us get to choose our Mortgage - they get sold so often, you end up with what you get. In my case this was Chase, unfortunately. At some point in the past 6 months, they just stopped paying the insurance (for which they are collecting via Escrow). Several calls to them gives me the run-around. In summary, yes, they are collecting insurance into escrow. And no, they are not paying insurance. My question is why?

They were kind enough to suggest I should be happy and consider this "an interest free loan". Excuse me, I'm the one giving them cash up front for bills they are not paying! I eventually had to pay for the insurance to get my house back into the safety zone, since it had been cancelled. All the while, I'm still paying Chase for the insurance as well.

I requested escrow be released and to pay taxes and insurance myself, so I don't have to pay for these things twice. They denied my request. So, I'm basically getting robbed every month by Chase Home Finance, and there's nothing I can do about it. Stay away if you can. I'm paying my escrow to Chase faithfully and they are not paying my bills, so I'm paying twice for my home insurance and taxes.

Chase gave my father Michael ** a Home Equity Loan 225% over the estimated value of the property. They told him they would accept his home equity loan provided he get Mortgage Protection Insurance through them. He did so and the loan was approved. He passed away on May 25, 2008. The insurance Chase sold him was not mortgage protection but instead accidental death. He was an old recovering alcoholic with congenital heart disease. He was a sickly man. Now Chase has forced a foreclosure on my father's home without properly serving me as the heir of his estate. I even have a buyer for a short sale, but still they refused that and still foreclosed.

Now they are trying to say the property is appraised at a much hire amount and refused to sell to my buyer. What are they doing and why did they lie to my sick father and take advantage of him in such a way? It is disgusting, the way they abused him! Shame on them! First, I have been sick from all of this back and forth with Chase. My father's home, which originally belonged to my great grandmother and passed to my grandmother and then to my father, is also my homestead. The property is foreclosed without serving me, an heir to his estate. They not only foreclosed without the opportunity to fight back, but the foreclosure amount is now up to $38,175.80 and the appraisal completed in 2008 after my father's passing is only valued at less than $11,000. How can they do this to a sick and elderly man? I do not understand!

In December of 2008, I was laid off due to lack of work. I had a loan that had been sold to Chase. I was never late on a mortgage. I have been a single parent for 22 years, raising two sons alone and struggling to make ends meet. This is the second home I have build and had a mortgage on. I called Chase in hopes that I could let them know I had been laid off and maybe they could assist me on what to do.

I was told that no one from Chase could help me until I was actually late on my mortgage. I was told by a customer service rep from Chase to miss a payment and call back. Reluctantly, I did this. I called back to be told that I should consider a modification. I was told that if I could, I should make a payment, if not, I should not worry, they will just put it on the end of my loan when it's modified. I got the papers for the modification in the mail. My payment was lowered for a "trial modification" period only $145 less than normal.

I made those payments on time just as arranged. I called every week to inquire about the status of my modification as directed by the customer service rep. Every time I called, I got a different story from every representative I spoke with. I was told to send every verification at least 10 times. I was even told by a rep that "Chase is overwhelmed, we have so many foreclosures and modifications that we just can't keep up." We are told to tell the homeowners anything to keep them off our backs. I was also told one day that I am in foreclosure and my home will be sold, and the next day be told that I am still in modification. I was told on one day that I was in modification and the next day that my home was being sold in 12 days.

I have had to move from my 3,000 sq. ft. house back to a mobile home that I had on a piece of land that had been vacant for 16 years. I would like to rent my home, but paid Chase $16,583.62 to reinstate my loan and still over a month later am getting foreclosure letters again. I have not even received a statement from reinstating my loan. This very same thing happened to my neighbors. They just could not deal with the situation anymore and filed for bankruptcy.

I did not have that option as I own a piece of land, and they would take my land if I filed. I have contacted everyone that I know, including President Obama, via email. I am willing to file a class action lawsuit against this company if I can find enough homeowners to file with me. Please, if you have had issues with this company, please contact me. I want to hear from everyone who has.

My loan payment was due on the 1st of the month. I was not able to make the payment and spoke with one of the representatives on Friday, the 9th. I told them I would make the payment on the 16th and I also explained that my husband has been unemployed since last June and this is the reason why I would be paying Late.

I speak with them several times a month and let them know when I am going to pay and they constantly call me. They told me the only way they can stop calling is if I allow them to AutoDraft the money from my account. I have small kids and receiving a call at 8 pm disrupts my household when my kids have school the next day. I want this harassment to stop.

From the very beginning in 2007, I had refinanced my home from Wells Fargo, who were very good to deal with, to be refinanced to M. T. Bank. M. T. Bank sold my new account with them to Chase Home Finance, LLC. I was coerced into refinancing my home with the idea of not having to pay my new mortgage payments for two (2) months. I'm a first time home buyer, and a patient in the hospital at the time of my signing my new contract for M. T. Bank.

I believed by refinancing, my payments would be lower and be able to have extra monies for basic appliances that needed repair or replacing in my home. I need a new refrigerator. I need a new dishwasher. I need new windows, preferably the ones that are energy savers, and have screens, also. It is all about Chase Home Finance and it's financiers, et. al.!

Since my account from M. T. Bank to Chase Home Finance, LLC, my life and credit have been screwed up; and I don't know what to do about it. Last year (2009), Chase reported me to the Credit Bureau's (12 times), saying I was a month behind on my mortgage. When Chase told me I was behind, I went into one of their programs for "Repayment Modification", to pay back what I was behind. I thought that whatever I owed Chase Home Finance, LLC, would be taken care of by entering this program, and Chase would have been paid back up-to-date, by this program process. Every time a mistake gets made on my behalf, it screws me up. I am a 100% disabled Veteran, and evidently, Chase has no respect for our government. My credit has been destroyed by Chase Home Finance, LLC, and it may take my lifetime to clear my name. I am devastated. I am being charged every month for a late fee, because Chase is saying I am still a month behind. Can you help me?

I have been on a trial modification with my mortgage company for the past 16 months. On 8/24/10, I came home to a FedEx and documentation inside for a form to fill out for a short sale or dil on my property. I called my lender to ask what this was about, because the last I knew I was under review for a permanent modification. I was advised that I had a -NPV and it was denied on 8/16/10. I was confused because I had not received notification of this. I was given a number to call for more information regarding this matter. I proceeded to call the number and the office was closed. I then called The Hope Obama Help line, after speaking with a counselor, she decided for us to call Chase on a three-way call.

The Loss Mitigation took our call and they advised us that they would not speak to a third party. The counselor informed him that she had been on the phone with Chase many times and this procedure was new to her. Then we asked for a supervisor and she also said they do not speak to third parties. At that point the Hope counselor Andy, asked for his ID number and supervisors name. He told her his supervisors name was Monkey. She then asked for him to please spell that. And it was as they thought, Monkey. We then ended the call. Then the Hope counselor put me on hold and said she was going to call them again.

She then called and got a crazy name for the supervisor once again. She then told me they were giving us the run around and for me to call the Housing Counsel in the morning and try to talk to someone else. The next morning, I called the housing counselor and we called Chase. We were then advised that there was equity in the house and that they were not going to work with me. She then told me my options were to pay the delinquency of the back money owned, and re-submit for the loan modification. I asked again if they would work with me since I had been making the loan modification payments every month and they are foreclosures in my area. She then said There are people out there who have money, who can buy your property.

The point of all this is I have been trying to stay in my house, a house I have worked my whole life for. I have done everything Chase has asked to do. I submitted all the paper work and have made every payment on my loan modification. Every other month they asked me for the same paper work. And even though I was very frustrated at times I re-sent them over and over again. They dragged me along for 16 months going through this just to tell me they are going to deny it because I have equity in my home. Then why did it take 16 months to tell me this? They should have told me this sooner then later and I could have tried to do something else.

Now they have told me that they are going to put my house in foreclosure in the next 20 days. Even though I have not received any paperwork as of today, 8/24/10 and I have made every payment on my loan modification. I received a phone call from Ms. Hill at the Chase Home Ownership Preservation Office yesterday she said that Veronica from Spring Board requested a review again on my property. This is the lady from the Obama Plan that called with me on the line to try and help. Ms. Hill asked again for all my documentation. I faxed it again today. She said she will summit to underwriting for review. I have to say she was very nice compared to all the other people I have had contact with at Chase. I also received a message tonight to call Loss Mitt regarding the packet I sent. Called and was advised not open. I did FedEx more docs 2 days ago after receiving another letter advising me I was denied due to missing docs.

I called Bruce ** to ask him how there could be missing paper work when we went over the completed documentation that he submitted to under writing for review. He also confirmed I was denied due to -NPV so I asked him how could I have missing doc's then? He advised me that Josie ** was assigned to my file last week and I need to contact her @ 818-774-1445. He said he e-mailed her to call me as of today no call from her. I have a few inches of paper work stacked going back and forth with Chase. I can't imagine what other people are going thru with this bank. I have also filed a complaint with the OCC and sent a letter to the Attorney General. It has been very stressful I have been under doctors care since March. I am on a roller coaster and stuck on the top. It is Friday September 3, 2010. As of today I have no new news.

I have called Chase and spoke to a Arlene ** and she advised me as of 9/1/10, my case was escalated but was reviewed by 2 underwriters for the Champ and Hamp programs and both were denied. She transferred me to Loss Mitt and I spoke to Trina ** and she advised me that I was denied and my account Manager was Josie ** and he contacted me to advise me of the denial. I told her I never spoke to him and I had been working with Ms. Hill and she was to call me back today after sending my file to underwriting. I told her that Ms. Hill advised me that Chase did not want to foreclosure on property and they had waterfall programs to help borrowers keep their home. I also tried to call Ms. Hill but the line was busy all day. After our conversation she gave me a phone number to dispute my NPV, which she said had too much equity in the property.

I called and spoke to Jerry **. I asked him about the letter I received regarding the NPV dated August 25,2010. He reviewed it and said the property had more than 30% equity in It. No matter what information I re-submitted it would be denied again because their is equity in the property. I asked him if I did not have the too much equity was my income in line for a modification. He said he was not at liberty to answer that question (wonder why?). I told him I had been in a trial modification for 16+ months and I want to keep my house. He suggested that I look for a new lender. I then said, Who is going to lend me money now that my FICA score has gone done significantly, now that is shows that I am ten months delinquent even though I have made my trial modification payment every month. He said that this is why we advise you to make your regular payments.

If I could make my regular payments I would never have asked for a loan modification in the first place. Why would you not review my property value in an appropriate amount of time, not 16+ months ago? He advised that most people do not have this equity, and to call Loss Mitt again. This experience has been a nightmare. I now know they do not want to help me due to my equity. I'm at loss for words that a Mortgage Company such as Chase has led me to believe for 16+ months that they would help me keep my house. Now that they have discovered I have equity they would rather foreclose on my property then help me keep my house by working out a payment plan. This is unlawful and absolutely unacceptable. What more can I do?

Today is September 7, 2010, still no phone calls received from Chase. I came home from work and called The Customer Assistance Group (provided from the OCC). I spoke to a Lisa who advised me to get a legal council and call my State Representative. Then I called Chase again to get any updates regarding the status of my loan. I spoke to Brian, he advised me my loan was being reviewed then transferred me to Loss Mitt. Dept, a recorder came on and told me to enter my loan number and last four digits of my social security number. The recorder then said, cannot process the call. I called back and spoke to Jacque and she advised my loan was under review then I was forwarded again to The Loss Mitt. Dept.

I then spoke to Emily in The Loss Mitt. Dept. who also said it was under review. I asked if I could speak to someone handing my account and she gave me a number for an Account Manager. I called and spoke to Denise who informed me that my loan was denied for the Government Program because I have 30% equity in the property. She also said I was denied for the bank modification, but I could re-summit again. I told her I worked my whole life for my house and I wanted to keep it. I asked her why no one has contacted me to discuss my account? She said my account manager was Josie ** and she would e-mail her to call me.

I told her the last time I called one of the other representatives e-mailed her and I did not receive any calls. I have been at this for 16+ months and living a nightmare day and night. I am now 10 months delinquent even though I have made every trial modification payment for the last 16+months. They would not take this months trial modification payment. It is obvious that the mortgage companies are not operating in the best interest of the people. Please help me.

Chase Collections has been calling me for the last 2 days. After disconnections and irregular phone protocol, I got what they were asking for. My mortgage is not late until the 15th of the month. These guys are jumping the gun and proactively calling people to collect the mortgage. They make people think that they are in collection in order to collect. This is a hideous method in order to get their money earlier than it is due. Again, I think that this is despicable because they want the borrower to feel like they are behind. Aggravation, waste of time in running my business, mental anguish is a great description because they are cheating people.

I have two home loans on my rental house one with Chase and one with Saxon. Chase is at 10.65% and Saxon is on an arm. I am trying to re-fi and combine the loans and I can't Chase, Saxon, and other companies have said no because the loans are with Chase and Saxon. Chase won't re-fi me refuses to talk to me. Won't lower my rates. It's a complete rip off. Who is making all this money off me! I have to sell my retirement home now because no one will re-fi my two horrible loans

We applied for the loan modification plan. When we first called, we were told that you have to miss at least two payments for them to even talk to you. Now, this is upsetting because we never missed any payments and had very high credit scores. So, we missed Sept. and Oct. 2009 and called back. They had us send in documents, came up with our new payment, and said, "Start paying $1,745 instead of $2,900 so we immediately did so.

Our modification isn't even seen by anyone and now it is April 2010, but we are still paying this payment and we have no idea where it is going. Our credit report comes back in the low 600's and we received reports that we haven't made any sort of payment. Again, where is the $1,745 going? After repeatedly calling, they finally said that we were put in short sale. What? So, after another bout of phone calls to people who have no idea what you're talking about, we finally get to an underwriter. On our original paperwork, it said 40 years at 2.4% and this is how they came up with the $1,745.

Well, after all is said and done in August 2010, we are modified. This was so worth ruining our credit and paying over $10,000 to who knows--because it never came off my principle. And now, we are basically back to where we started. Oh, and every Chase credit card was cancelled because of our poor credit even though they had 0 or less balances. Too funny--we are late because you told us to pay late and now we are penalized. Great plan. Obama should probably start following up on what is really going on.

I bought a home in 2007 with an 80/10/10 loan that was eventually purchased by Chase. My story doesn't involve falling behind, but rather paying extra every month to get the mortgage monkey off my back. My smaller mortgage payment runs a little under $200/mo and I typically send in about $500/mo. For the first few years, everything was fine; I sent in $500 and $200 went to my regular payment, with about $100 going to interest, and the remaining $300 going to reduce my principal.

A little after Chase purchased Wamu, things started getting crazy. Chase would take my $500 payment and take $200 for the current month (about $100 interest charge), take another $200 for the following month's payment, and thereby also taking another $100 interest charge. The rest is applied to the principal. So now, not only is Chase getting an extra $100 of my money by deliberately allocating it elsewhere, but the interest compounded over however many years! And for the record, it is stated in writing on my statements that an extra money will be applied towards late fees, past due balances, and then as additional principal reduction. Nowhere does it say that additional money will be applied to a future payment.

So now I'm mad and I call to get it fixed. Month after month after month because the system needs to get updated. Oftentimes, I would get an ** who couldn't add or grasp the concept of the misappropriation of my payments so things get totally screwed up. In the meantime, keep in mind Chase's accounting system is totally confusing. One payment can have 3 or 4 lines. For instance a $500 payment is split into $200 January, $200 February, and $100 additional principal. Each line is then designated into interest, principle, fees, balance. For some reason there would be a fee but that's just how the system works and then an offset on another line. So not only are my payments screwed up, but I have extra numbers to account for to further confuse me!

Eventually, I figured out a work-around so I wouldn't have to call every month. And when I finally decided to review those aggravating months of misapplied payments, the math didn't add up and I was being shorted because several idiot reps screwed up the reallocation of funds! For instance, one month, I sent in almost $700 but when all the corrections were made, my principal only went down about $70! The lady I spoke with was very nice and helpful but ended up worsening the situation. She saw the errors I was talking about and our math came to about $100 of each other which was good enough for me since I was tired of dealing with this problem. I pointed out 4 months that needed to be fixed, but she wasn't allowed to fix that many and had to go to her supervisor. I was promised a call back but never got one.

When I check my balance days later, it was close enough for me to call it even. However, because of the way the system is set up, now I'm showing to be 5 month past due and soon got a call from the loss mitigation department saying I owe almost $1000! Apparently, my payments from the last year or so have all been reversed and reapplied! Now instead of looking at 4 mixed up months, I'm looking at 20! And each month has like 6 lines to it of payments, reversals, fees, etc.

I offered to just pay $1000 to bring me current until I found out that something like $600 of that would go to interest and fees when I've never been late! I always pay early and pay extra and cannot wait to be done with this thing! Not only was Chase essentially stealing from me with their sneaky extra payment, but then, I can't fix the problem either! I have no idea how much I truly owe on my mortgage! As I mentioned earlier, I always pay early and extra and now I'm being embarrassed by collection calls for something that is not my fault!

Not to mention the mental anguish and torture of having to pour over payment documents and figure out complex math but also having to explain it to an unqualified **! Then there's the loss of time where I could have been working, generating income, or just spending time with my family but I'm stuck talking to the bank about their accounting errors! And yes, I've called to get this payment fixed so now my balance is back up to about where it was before the whole debacle started.

I was told by Chase that they could help me with a loan modification. I was told that I did not need to pay anyone, I could do it myself, and they would walk me through it. My complaint is this: In May 2009, I applied and met all qualifications. These were what they expected. Was I current on my mortgage? Yes! Did I have high interest rate? Yes! Did I have a Freddie Mac of Fannie Mae loan? Yes! Did I have a hardship? Yes! They then led me to their website to fill out forms and paperwork. And they told me to check with them in a couple of weeks. I was informed because of the high volume of people applying that it could take up to three months. They advised me to keep in touch every 2 to three weeks. I complied and each time it was a 10 minute wait, sometimes as long as 45 minutes or more. They were transferring me from one person to the next each time, only to find out they wanted updates. Again, each time they assured me that I was close to call back the following week.

4 months went by. This continued on close to the holidays now and they then asked for business profit and loss statements. It became a second job. I was put off because of the holidays and they told me it was in the underwriter's hands and it should be another week or so. This was repeated until May of 2010. I demanded an answer at this point and was told that I was denied. My first question was why didn't they just deny me a year ago? My second question was why? The first answer was I had a high credit score. My second response from a different person was I didn't have a hardship. My answer to that was why am I being punished for paying on time and not borrowing more than I can afford? My second comment was: Aren't a significant loss of personal income and a $33,000.00 loss in my business a hardship? No one could answer my question.

Interestingly I tried to refinance and I was told I was not able to because of my loss of my tax returns showing a loss. I recently was told I can qualify. And because I have a federal loan, I can apply for a stated income loan at a higher interest rate. One of the things that has kept me going but almost took my life was having a drunk driver total my car. This was also a hardship that they were aware of. I have used my settlement for everything but medical. The funds will be gone by November. I have lost clients and business has suffered. My health issues because of the accident will affect me for the rest of my life. A future back surgery is what I am faced with. Since this accident, I have developed chronic pain which was diagnosed as fibromyalgia. I am 60 and a hairstylist and also an artist. Each day it gets harder to perform what I need to do to keep up. I feel I was done an injustice.

This is regarding a refinance from Washington Mutual to Chase. As a customer, I had no choice but to work through Chase. There was no competition allowed for my loan. Chase San Ramon Loan Branch, Mortgage Loan Officer Dennis lied about the escrow costs. I contacted his bosses up the chain of command in Sacramento and received zero help. I then wrote an email to CEO Dimon and was contacted within 24 hours. I had documentation on the costs and was mailed the difference with a check for $240 within two days.

Now, a second problem has surfaced. My mortgage has gone up $100 due to the evil "Dennis" deflating my property taxes so it would look like a lower payment. I told him I did not want to do more than $1425 a month (I previously had a adj 7 year) and he said no problem. I live in Stockton, the foreclosure capital of the state. At the high of the market, my house was worth $460,000. Now it is worth $210,000 but miraculously I am not under, was and never was. I told Dennis when I received the loan papers that the $1700 payment was something I just couldn't do.

He said no problem, "Just ignore those Chase papers that will not be your true monthly payment." I was stupid to believe him. That was just one red flag. The next was when the notary knocked on my door with papers to sign and Dennis did not even call me for advance notice. The loan was suppose to take "no time at all." "This is going to be the fastest loan yet," Dennis told me. Yet it was approximately 60 days later with a lot of time with no contact from him. If I didn't sign the paper now I would lose the loan. I found PMI attached to my loan but I did not catch the property taxes being wrong. They were listed for a five month time period and I just didn't do the math. He was a fast talker like those cheap car salesman that will tell you anything.

So the story goes that customer service from Dimon's office called the auditor/assessor office and they quoted the $2820 as the correct property taxes at the time when really they should have been $3417. When I asked to whom they spoke to at the assessors office, it was just "Mark." Well what was Mark's last name? Chase didn't get a last name. How do you get answers and not get someone's full name when you are trying to investigate wrong doing? Ernest a supervisor from Chase just blew me off and said, "It is your own fault that you did not look at you signing papers." When I heard that I knew this guy was not on my side. So I am back to square on writing a letter to Dimon again to let them know of the evil ones actions. Dennis, .don't use anyone with this name at the San Ramon Office for loans. A true car saleman making lots more money. I am a teacher trying to put two children through college and on a very tight budget. My discretionary budget is small so to most people $100 is not a lot but to me it buys a college textbook or my daughters volleyball clothes required by the school.

We have been struggling for the past three years to keep our heads above water and save our home. Our banking and mortgage is through Chase. On numerous occasions, our deposits have been held and debits have gone through costing us over $500 up to $700 a month in overdraft fees. We are not the best with budgeting but it seems like every time we feel we are on target, something gets mixed up and Chase blames us. This past month, we had over $600 in overdraft fees but when you look at our deposits vs. our debits it should not be. We feel as if they hold these deposits until all transactions go through and then post our deposits along with overdraft fees. It is hard to catch up on your mortgage when you cannot keep money in the bank!

All I am asking is for a chance to get our heads above water long enough to pay all of our bills (mortgage included) and take care of our three children. I work two jobs. My husband is a Houston fire fighter and works a side job. We deserve to a life without fees. We have paid off all but two small credit cards. When we were first in danger of loosing our home, my husband cashed in his 401k for $8000 and offered to send it to Chase Mortgage to help keep us out of foreclosure. We were told it would not help by one agent and then after using the money to pay off credit cards, we were told by another agent that the money would have helped! Everyone needs to get their stories straight.

There are so many fees and pending debits that it is hard to keep up with where our money is really going! I want to be able to sleep at night without wondering where my money is. We have been overdrawn monthly in our bank account and therefore have a credit score below 600. We spend most of married life worried about money and working just to get out of the red. We have not even attempted to refinance our home in fear that they would laugh at us. Most of the time we have to borrow money from family to buy groceries.

Below is a letter I sent to my senator due to Chase's mishandling of my remodification:

I find myself perplexed as to whether writing you will help me any, specifically, but maybe on a larger scale if at all regarding my plight and I am sure is in a way the same for thousands of others as evident in the classifieds section of every newspaper publication. My wife and I moved to Sumter, SC in 1997 and purchased our first home. It was the American dream! Having our own home. It was mortgaged through Chase. To speed things up here, I lost my job in middle management ten years later in 2007. I exhausted my $401,000 up to make payments and still have no job to this date. This past January, I contacted Chase and asked for a forbearance plan to be worked out as I couldn't maintain a six hundred dollar monthly mortgage payment, which they did. It was set for 6 months at $360 per month.

The rep told me that after the third monthly payment, someone would be assigned my mortgage and call me. I made my third payment on March 28th and on Monday the 29th, sure enough, I was contacted by a Juanita. She informed me to not make another payment till I heard from her. I repeated it back to her as I thought I had heard wrong. "Do not make another payment?" and she said, "correct". Two months later (5th month in plan), I attempted to call the number she gave me and the extension, only to get transferred no less than 6 times until I was finally transferred to a number that scrupulously said upon answering, "We're sorry this number is no longer in use, please hang up". That had me pretty upset as it took forty five minutes of my day up and no positive results.

The next month (sixth month), I called and asked what was going on with my remodification. The rep said it's almost complete. He also said he had all the paperwork. At the end of the trail period (six months), I received a letter saying they couldn't remodify my loan because I didn't supply all the paperwork. I was just told I had! I called back again and then they said I had to resubmit every 60 days because the paperwork becomes obsolete after that length of time and has to be resubmitted! That was a first for me to hear. They are so inundated with remodifications that they can't even get to my paperwork within 60 days. So I have to continually send in paperwork. It's like "a snake eating its own tail" over at Chase. Meanwhile, elsewhere, papers are being drawn up for me to appear before the Master in Equity.

I resubmitted all paperwork again (4th time) and now, I got a letter from the law firm representing Chase to appear before the Master in Equity. He explained what was going on and I explained my plight. He said that I must have "fallen through the cracks" and it sounded like I had gotten "the shake down"; to use his words. He went on agreed with me to mention that the banks have so many remodifications that they can't get them all in a reasonable amount of time. I told him that wasn't my fault and not fair to me to be the one penalized to sell the place I live, my house, my nest egg, my home! For their inability and incompetency and lack of any governmental oversight to hold me the one accountable, when all I have done was comply with their request; from filling all the paperwork out of which they verified receiving, to not making payments that "Juanita" asked me not to send in till I heard from her (of which I still have not).

By the way, not only did they report the months I didn't pay per their request on my credit report, I also paid penalties and late fees. Why would they want to remodify especially when my interest rate is at 8.9% APR down to 4% APR? After all, they are in business to make money plus, who do you think is paying the tarp money back? They have eaten all my equity and all I have worked so hard to achieve watching what I owed form $48k to right at $60k now. So now, I can't even go anywhere else to get a loan. They have me pigeonholed now! Let the beast feast!

I've jumped through so many hoops with Chase, Senator. I cry every day and rustle restlessly every night worrying about what I am going to do. I've given Chase everything asked of me and now, the master of Equity is going to sell my house/home that I love so dearly without any compassion or even logic in reasoning as if I am the one at fault and I am not. It is also my sincerest belief that Chase operated under unfair consumer practices and took advantage of my thinking that they were operating in "good faith". I don't know what else to do. I fear I am going to be yet another statistic that what I call the continuation of the "Rape of the American People". Furthermore, I thought I was living the American dream, only to find out that it's just what it was... A dream. My sale date is scheduled for the first Monday in October.

I purchased a condo back in Oct 2003, which was financed by Chase. I sold my condo 3 years later, which closed on Feb 2006. I purchased my credit report from all 3 credit bureaus, and noticed that Chase never reported to Equifax, that I had a mortgage with them. I contacted Chase to inquire as to why. They told me because my loan is so old (4 years old), that they purge the old loans, to make room for new ones in their data base. I advised them that by law, they have to report to all the credit bureaus about me having a loan with them.

I provided my loan # to them and they have no record of me ever having a loan with them, yet they are reporting to Trans Union and Experian, that I was never late with them. Chase suggested I contact Equifax and dispute this with them. I advised Chase that it is their job to forward information to the credit bureaus, not me, and I am not able to dispute something on my credit file, that isn't there to begin with.

As of 9/2/2010 the Chase Rep promised me that they will contact Equifax, and have them report my loan with them by 9/7/2010. I will not be holding my breath but I am keeping my fingers crossed, in hopes that Chase follows through with what they say they will do. By Chase not reporting to Equifax of my previous mortgage, this has caused my credit rating to drop 100 points. No telling how long they have not been reporting the required information to the credit bureaus. As a result of them not reporting, I am not able to get loans, and loans to which I do get are of high interest rates.

In 2004, Chase sent multiple letters asking us to be their customer. Initially, a Scott archer continually called and told us the great terms and what a good time it was to utilize our equity. He sent a representative to our home. The lady accepted our hospitality, drank our coffee and sat at our family table telling us how she would take care of us. She said she would explain and answer any concerns we had. We were hesitant, not gullible and told her we were not interested unless it was a fixed rate loan which she assured us it was. We asked multiple times and she referred to page 2 of our contract which shows stream 1 and stream 2 interest rates.

She lied and said that both lines showing the same payment stream was proof and that if it was a variable. The second stream would have different figures. Both say 5.9 percent. About 2008, we noticed after perusing the bills due to an increase that we were conned and that Chase had devoured our trust as is coming out they did to hundreds of other trusting taxpayers who bailed them out. They are liars. We wrote the Comptroller of Currency which in itself was worthless other than to record the banking thefts for future generations and write Chase which made things worse. There were phone calls at work, harassment and threats, vulgarity and demeaning nastiness.

At the beginning of this year, we noted that the bills had gone from $180.00 to over $300.00 a month. Again, we called and we were told that Oh, didn't you know that you have only been paying the principal and now you have to pay principal and interest?" "No, we were not told that". We started getting late fees of hundreds of dollars. Our contract stipulates no more than $30.00 a month in late fees so we called. We were told that if we paid $630.00 this week combined with our payment of $517.00 last week, we would be caught up. Three (3) days later, we got another bill for $1037.00! They again lied and deceived and it is assured now that the reason Chase is doing well is that their inflated lies of late fees.

When I called and asked for a print out and explanation of all fees I was told that my account had been updated and I would have to give my new 4-digit code or they wouldn't speak to me? I never got a code or gave a code. I called another of the many numbers I have after trying for over a year to remain in our home and satisfy this manipulative and deceitful company. I went through the million questions to verify I was who I said I was and asked for a print out explaining these anonymous fees and was told that that is not their job and I will be transferred to somebody else. The deceit continued and as always I was put on perpetual hold and hung up on.

6 phone calls later, I found out why I am being continually threatened with foreclosure and my bills now exceed over 10 times the initial contract. What Chase is doing to their customers is after conning us, they profit off our hardships by never applying any payment to late fees. I asked what late fees I owe and I was told to send yet another $312.00. I told the lady that one of the 3 different figures sent this month says $325.00 which means Chase will take the $312.00 leaving me short of $13.00 and applying another anonymous $200.00 fee. My contract says $30.00 late fees which equates to them saying that I am over 11 months late! Chase admitted that they lied and told us to start anew meaning they will continue the fraud and I should get over it. They are vulgar unethical liars, a soulless corrupt thief. They have no intention of working with the consumers and are feeding off the desperation and frustration of human beings. They are sucking every drop of milk from us and have no intention of permitting us to catch up.

When I said I would walk away, they said that they can move us into a house that I can afford but my house is the lowest appraised at $70,000! I was told to modify but after getting the paperwork I spoke with partnership program of the U.S. Government and they said it was a scam and that I would not modify my equity but would have to modify the original loan. As it stands, they lied and defrauded on a contract. They lied about fees. They lied about modification. I will complain too you but I know you are corporate preferred and I will blog it and blare it wherever I can. They have destroyed our faith in corporations and anything to do with business, ethics and morals. If the government permits and sanctifies the sickness, you will too.

The loss of what I have worked for over 50 years. I will lose my home because Chase wants it and my faith in humanity. I regret serving this country and shame at where Chase and the banks have been permitted to take us. I feel no longer proud of my country. I will never put my money or trust in any bank. I will lie, cheat, and defraud without any regrets. I feel nothing for anyone. I feel no responsibility towards anyone because I am tired of a place where corporations are nullified from accountability and responsibility and I am expected to be responsible for their lies and deceit. I am physically sick. I am nauseated at having to have anything to do with Chase.

I was removed from auto pay and no reason can be determined. Chase sends the calls to a center which does not understand the issue and refuses to assist in the problem. They refuse an escalation to a supervisor or a department to help me get the findings and correct my account.

We have been trying to get on the Obama plan or a new loan modification of some kind for 2 years now. We filed bankruptcy. My husband lost his job of 28 years and we needed help. Starting November 2009, we were making good faith payments of $2235.72 a month. We were supposed to do this for 6 months. We did it for 8 and then we would see where to go from there. We want to save our home. But after all of this, they sold our mortgage to Nationstar Mortgage. Now we are out all the money we sent to Chase/EMC. We sent everything they asked for and always called to see what was going on. Do we have any recourse to get back our money that we sent them? Also, we had to start all over again with Nationstar and now we are getting further and further behind. Please help. I have no more 401 or anything left. I don't know where to go from here. We no longer have any retirement accounts or any money in the bank. Where do we go from here? All we have is this house and we have lived here 25 years and don't want to lose it.

I am a 28 year old mother of two. I left my job for maternity leave and upon my return, was bumped down to part time. Clearly this was bad timing, as now I have twice the daycare expenses, significant expenses such as formula and diapers, and still had to feed my family every day and pay the bills. I got my pay cut to nearly 50% of what I was paid before I left for maternity leave. Nowhere in my plans did I see losing 50% of my income after having my second child! I have struggled so hard but I have never made a late mortgage payment. This September will be the first time the payment will not be on time. Why you ask? Do I not have the funds? Actually, I do. Chase home finance will not allow me to pay my mortgage payment on time without a $20.00 fee.

Last Friday, I applied for a loan modification, in an effort to reduce my monthly mortgage payment. I discovered today, August 31st, that I do not qualify for the modification because "I did not settle before January 1st 2009" I quickly called Chase and informed them that I made a mistake on the paperwork by indicating that I bought my house before 2009, when in fact I settled January 31st 2009. Because of this mistake, I no longer met the qualifications for the loan modification. I apologized for the mistake, and they told me it would be taken care of. I was advised to continue to make my payments on time or penalties would be assessed.

I go online tonight to pay the mortgage payment, because by the grace of God I have enough money, and I could not pay it online. The link to make a payment had been disabled. So I call to see what's going on, and was told that because I applied for loan modification, I am now unable to pay my account online. They did, however, offer to take a payment over the phone for an additional $20.00. How kind of them! When I refused to pay the additional fee, I stated that they disabled the ability for me to pay my payment without incurring extra fees, and failed to notify me in advance, resulting in my being forced to make a late payment for the first time ever. In addition, they refused to waive the fee to pay it over the phone. In fact, I spoke with six different Chase customer service agents and all they told me was that they would not reverse the fee, and that I could wire the money via Western Union, take off work to go to a Chase bank, or pay it with a check by mail. All of which resulted in me either losing money or making a late payment.

I don't understand how Chase Home Finance can do this. Obviously I applied for a loan modification because I am broke! I am ashamed to say that I can't pay the $20.00 extra to make my payment on the phone or wire it western union or take off work to go to the bank, because I don't even have an extra $20.00 to give. All I wanted to do was give them the payment and for them to waive the fees since their "system" will not allow online payments for up to 30 business days because the loan modification is still in process.

This is in regards to my home loan. On my bill, it states that my payment due is $4284.09 and my past due amount is $2856.06. I called the company and a woman in the Philippines explained to me that the payments that I have been making are in suspense as they are not the full amount. Then when it equals a full payment, they will apply it to my account. I told her, "That is not legal." She replied, "I know, that is our business practice". I asked her how much I actually was behind and she stated $1200.00. At that point I said the numbers are not adding up. If my monthly payment is 1428.09 and my balance is 1200.00, why is my total 4284.09? She stated it was because the rest of the money was in suspense. I again tried to explain that that is not a legal practice. She again said it is the business practice. I tried to explain that they have more then one payment in suspense. She could not explain to me why the numbers did not add up.

Every month on my mortgage and my credit report, they are showing that I am behind. That I have a outstanding balance of $2856.06 and a balance of $4284.09. I am behind $1200.00. They have me at their collection department and I'm not even a full payment behind. It is extremely stressful. I am constantly worried about their actions and why they are not putting that money toward my balance.

Chase Home Finance LLC took my home for less than $11K in back payments. I had a perfect mortgage history for nine years. I am single and a real estate agent, hopelessly waiting for banks to approve short sales (ha!) and watching REO's go for cash. My average first time home buyers haven't got a shot! I kept in contact with Chase explaining to them that I would be getting the money as soon as my two transactions closed. They agreed to this. I received a notice of default, but never a notice of trustee sale. Before I knew it, there was an auction (I wasn't living at the property at this time), and surprisingly the only bidder was Chase!

The ironic part was that for over three months, I spoke to someone at Chase on an almost daily basis to follow up with them on the modification they were doing for me. I think they would've told me that they were auctioning the house instead of making me jump through the loan modification hoops! Is anyone out there listening? This is happening to home owners left and right. I see it everyday being an agent. A family member took a pay-cut at work, which most are these days. He asked his bank if they could work with him. He jumped through all of their hoops only to have them tell him he didn't qualify. He was told by his bank that they could only work with him if he were in default.

So they are telling Americans to mess up their credit to get help. What about being proactive and help keep homeowners in their homes and paying every month instead of requiring them to screw up first and not paying anything at all? All of these banks, big and small, are offering to modify loans, only to tell homeowners that because they missed a signature on a copy of a tax return, they can no longer process the modification. Is this really happening in America? People losing their homes of 20, 30, 40 years because of bad loans and now no solution to these bad loans? It's all of our responsibility to get America's economy rolling again; we all took advantage of the low rates and the cheap money. The banks have stimulus packages and investments to keep them going. What does the average hard working American have to help them get back on their feet? How can we keep America going if we can't even keep our homes? I lost my home of 10 years.

After careful thought upon completion of our conversation regarding the denial of my loan request, I have decided to close out all of my accounts with Chase bank. I currently have my Chase business account, which I have had for 20 years, 2 apartment checking accounts, 1 personal checking account, and three JP Morgan Chase broker accounts that currently have over $250,000 in them. I also have 3 mortgage loans with Chase bank including the one you called and asked me to refi. I will be working on getting those mortgage loans paid off and will never do business with a Chase company in the future, nor will I recommend you to anyone. Although I don't believe it will matter to a company as big as Chase, I will be closing all my accounts ASAP for the following reasons:

were and still are hitting historical lows. I did not seek to pull cash out of my loan, but only to refinance it to a lower rate and Chase is now my current mortgagee so I thought I would go with you since you contacted me. Now I have incurred the cost of an appraisal and a lot of time involved without the benefits of a new loan.

2. I have flawless credit, maintaining a score of over 790, and have maintained that credit for many, many years. I own 2 rental houses free and clear and every property that I own has excess equity required with positive cash flows. While the banks were lending money negligent in the past years, I was doing the complete opposite setting up my finance for the ability to buy house for my future at discounts which I will continue to do without Chase's help. I have now bought 6 houses in the last 2 years (2 free and clear and another one soon to be in the next month or so) and all with less than 50% loan to value loans with positive cash flows.

3. My property appraisal on the subject property came in at $1,275,000 and with a loan of less than $665,000 the loan-to-value would have been very good according to bank standards.

4. Chase was advised from day one about all of my properties and encumbrances and still convinced me to go through with the loan. Now it is Chase that has backed out of the loan. In closing, I feel it would be in my best interest to pursue other avenues to have any fees returned and to file a complaint against Chase bank to the necessary authorities due to the misinformation that I was given at the start of this process.

P.S. Hopefully you will pass this email on to your superiors.

I'm telling you my story in hopes that you'll investigate Chase Mortgage Making Homes Affordable Program. Here is my story.

I started this most horrible experience of my life with Chase in April of 09 by applying for the Making Homes Affordable Program. My hardship was that my husband was no longer able to work due to illness and we only had my income to pay our bills and his medical expenses. I made the initial call and was qualified immediately and Chase sent me out a package to fill out and send back to them. I was told that I qualified a few months later and was sent another package to fill out and sign and was given their Trial Modification Period, which I was told was only for me to make my adjusted mortgage payment for this trial period of 3 months to see if I could make my payments on time and then it would be finalized and approved for my final modification.

I made sure when I signed this agreement that my credit would not be affected if I agreed to this trial modification period and I was told repeatedly that it would not be reported as my husband and I had perfect credit and have never been late on any of our bills or our mortgage. Chase had been our mortgage lender since we purchased our home 13 years ago and we had never been late on a payment.

Well, after the initial 3 months I had made my payments on time. It was January 10, and this is when my life turned upside down because of Chase. I literally had to make phone calls once a week to them as I was already getting worried because when I would call I never got a straight answer to my questions. I would be passed around and told to call different numbers never getting the same customer service rep. I was always told by them not to worry that this is the procedure you have to go through and I was looking great and should be no time before I had the final modification to sign. Every 60 days I would have to gather my financial updated information and fax it to them so as they put it I would be up to date and wouldn't get put to the bottom of their pile. Months went by and I kept making my modified payment as I was told to do by the 1st of every month.

In April of 09, I had an episode where I had passed out for no reason I knew of as I felt healthy and had to go for many tests until finally I saw my neurologist and was sent for the final test a brain scan and was diagnosed with a brain aneurysm. I was scheduled for an embolism procedure at Lahey Clinic on July 13th. So I still made my weekly calls throughout all of this to them to make sure they were getting all the information they needed and to make sure everything was still good.

In June, my husband, who is on SSI disability now and at home, received a call from one of our credit cards (Chase Visa) telling us that we had been reported to the credit bureau and that they cut off our credit line. The next day we received another phone call from our other credit card also Chase telling us the same thing. I called them and they said to get in touch with Equifax and request our credit report to see what was reported. We received our credit report and the only thing that was negative on it was from Chase Mortgage stating that we had been making short payments due to being in a loan modification program.

I called Chase to ask them why they would do that to us after we had never been late in our lives and why would they misinform us because we had been told that this wouldn't happen. After many phone calls to them and going through every department there I was told that this is what happens to everyone going through the program and that they were sorry I was misinformed, but there was nothing they could do until we either got approved for the modification and then all late fees and penalties would be put at the end of the new loan and they would then clean up our credit report. I tried then to call a Veterans Administration lender, as my husband's a veteran, to refinance, but was told that due to Chase reporting us to the Credit Bureau they couldn't refinance us till our credit report was clean for 12 months. I felt hopeless and lost and mad that I was lied to and after all of this was still calling once a week and getting the runaround.

I had to focus on my health after this last episode with them as my surgery was coming up. I went through my surgery and recuperation and then started to focus on this problem with Chase again determined to get an answer. I called them on July 30th and demanded to speak to a manager. I was told one would call me back by Tuesday the 3rd. I also researched on line and found HOPE, a nonprofit housing counselor, for help. I was given a councilor who said she would call and conference me in on Wednesday if I didn't get in touch with a manager by then. Well, when I called Chase on Tuesday the 3rd because of course no manager ever called, I was told I was denied due to the debt to income ratio.

I though it funny how when I asked for a manager to call and got in touch with HOPE that I was denied the next day. I was astounded and couldn't believe what I was hearing. They sent me to another department and told me I then qualified for their in house modification program. So I was sent another package filled it out and sent it back reluctantly as I now did not trust Chase. I ended up owing more money for their fees and penalties. The mental anguish that I was put through for a year and a half. . .

The very next day, on the 4th of August, my husband who is sick at home started receiving calls from Chase asking for money to be sent right away as I was 3 months delinquent on my mortgage and needed to send this to get current. They actually called a couple time that day and the next day. I was infuriated and called them and told them not to call my home ever again as they were bothering my husband who is sick. I desperately called HOPE and went over my figures with them and they told me that I was well within their guidelines and shouldn't have been denied MHA program. We got on a conference call with Chase and my councilor asked them questions, but of course we didn't get any answers. I was told by HOPE to keep calling them once a week for an update and if I had any problems to call them back.

Then the unthinkable happened to us on the 23rd of August (ironically this is the date of our anniversary of purchasing our home). We received in the mail, one for my husband and one for me, the Accelerated Intent to Foreclose Letter stating that if we didn't pay $3609.03 in 31 days, we would be foreclosed upon. We were shocked. I took off from work on Wednesday the 24th and my husband and I called HOPE, who in turn called Chase for another conference call. We were told by the CSR Carlo ** that this letter of foreclosure was probably just an automatic letter sent and not to worry about it, that we were still in active review and that they wouldn't foreclose until we had a decision from them on the 2nd modification application. Well, that did it for my husband and I. We told Chase right there and then that we wanted out of their modification program and that we would have their money owed to get us current.

We called our son in CA who generously agreed to lend us the money owed to Chase. I called them the next day and comically took me 40 minutes and five different customer service reps to get a final figure owed (I wanted to make sure that it matched what the foreclosure letter stated). The other thing that I just had to laugh at was when I asked the last CSR if it noted that we want out of any of their programs, he said no and that I would have to place this request in writing and send it to them to opt out of their modification program!! I'm so scared right now that when I send them this final amount due, which I can't even get a breakdown of charges (penalties and late fees) because I figured for the shortpays every month for the 11 months I was on the trial period the total amount I should owe them was $2773.54, but I was told that was incorrect that I owed this $3609.03 (a difference of $835.49). I guess this is for late penalties and fees, but I can't get an answer from Chase.

My main concern right now is not to get revenge on Chase, but to make aware their practices and procedures so that they don't hurt any more hard working American homeowners who are only looking for help.

An employee has said company deleted my Home Owner's House Insurance Escrow from my account. They did send me a refund check that stated the refund was for an over payment at closing, which I had no reason to question because I was asked for additional money 4 times to a point that I finally said, "No more, you can keep the house." Anyway, when Chase received my house insurance bill, they did not pay it. They did not contact me as the customer. They did not contact anyone from my insurance and it wasn't until my insurance contacted me to say the insurance was fixing to lapse that I became aware of any of it.

After months and months, I talked to 20 people and experienced being transferred to 5 different departments (as apparently not one single department knows anything about any other department) and being lied to by supervisors and being ignored. The first 4 times I called no one even noted in my chart anything about any of this and I am disgusted and angry.

Chase has increased the amount of my house payment. I am on a fixed income and made sure that the payment was one I could afford before closing on this house. But it go up $60.00 a month and I have been counseled on my job about using the fax machine and business phone to discuss this matter because when you call Chase you made to wait 15 or more minutes before you get someone. Then you are put on hold for more time and then transferred several times, etc. I believe I should pay the money back, but I do not feel I should be forced to have the payment go up on me. I should be able to repay the amount to my escrow in a way of my own choice. I work two jobs and have a child and have many expenses. There are times I could put some in there, but I can not afford to pay that amount of a house payment when it exceeds the amount of the check I get on that date and I had the payment date set up for the exact day I get paid at the beginning of each month.

My current mortgage is with Chase and I called them up to refinance my mortgage to lower my interest rate. They charged me $750 non-refundable on my AmEx credit card to begin the refinance process. I was told a minimum of around $3000 will be the closing cost, but when I got the good faith estimate, the state the closing cost was over $8000. I called them but the representative never returned any of my calls. So I called my credit card company and disputed the $750 payment and got my money back, simple. Chase has no intention of helping homeowners with refinancing. They are making money by charging application fee of $750 and declining the application.

I was involved in a hit and run accident back in August of 09. The police never found the person who hit me. I am in a hospital bed and made arrangements to have my bills paid by the Veterans Administration. Yes, they were a little late, but they were made. I am contacting my congressman. Also, I am trying to refinance my home loan now and combine two other loans in one and I would be able to save my house. If not, well, you can come and get it. It's to hard to keep up any how. Please get back to me with an answer. Thank you.

I was going through an extremely rough time in my life, as the result of a horrible divorce. I contacted Chase for months on end because my ex made the majority of the income and would not help me with child support or maintenance payments as he was ordered to do. I worked part-time at that time and tried to get Chase to work with me so that I could keep my house and continue to provide a roof over my 11-month-old son's head. I could not afford the mortgage on my own so I applied to re-do the payment to something more affordable and even asked if I could rent the house out until I got back on my feet, nothing.

Because Chase mortgage refused to help me out, I lost my home (the only thing I had left). I was forced to file bankruptcy because of the horrible debt on my head and Chase ended up selling my property through a silent auction or something like it for half, yes, I said half of what I owed on it! I love the fact that they were so money hungry that they would rather settle for half of my debt vs. helping me out and eventually collecting the whole. They would rather put a single mother and her baby out on the streets, instead of working it out. I lost the last thing I had. My home had sentimental value (I know that means nothing to them because they seen me as a number and not a person). I lived in the house as a kid and swore I would purchase it when I got older, which I did and now it's gone and to this day, my heart is still broken that my home is gone.

I filed bankruptcy in June 2009, and the bankruptcy was discharged in September 2009 (Case number 09-70996-BHL-7). My mortgage was included in the bankruptcy, and I vacated the property. Chase came and locked up the property, and my credit report shows that the debt was cleared in the bankruptcy. The issue is that Chase Mortgage calls me 5-6 times daily, to collect the debt on my mortgage. I tell them repeatedly to call my attorney.

They are rude, and will not stop calling. I don't know what to do at this point. I have explained that my mortgage was included in the bankruptcy, and they just keep repeating that they would like me to setup a payment by phone! It is emotionally draining, and it interrupts my day. I have two small children, and Chase is calling all day, even as late as 9:30PM. I have an attorney, and he has also attempted to contact them to stop the harassing calls, but they keep calling. I want them to be reprimanded for what they are doing to me, and many other individuals.

I have been trying since early last year when I lost my job for Chase Mortgage Bank formally {Washington Mutual} who said I was qualified for loan a modification to reduce my interest rate which is 7.75% and reduce my payment from $1,346.50 to an affordable rate. I was been played around for a along time before I decided to get an attorney. I started my loan modification process in may of last year, but then I hadn't missed any payment so I guess chase figured I wasn't going thru any hardship. I was made to fax my information in over an over, they are claiming maybe somebody else received my faxed info and didn't document them.

This went on for a long time until I had to get the help of an attorney, then I could no longer make my payment which I missed 3 months. Subsequently thru my attorney, I received a letter from Chase placing me on a trial period for three months urging me to pay $750 monthly. However, advised me to continue the payment if the modification process wasn't finished which they claimed would end in 3 months. I had started this process in may 2009, my attorney in October of 2009. I submitted all the document they request but the Bank claimed my only source of income which is my child support from out of the country is not recognized. Cause it was not Court Ordered here in the United states, as a result am denied again.This notarized document of child support from out of this country was the same original piece of document that supported me when I original purchased my home in 2007.

My income didn't qualified me which was $7.00 an hour working with Mashalls Retail Stores. It took Chase almost 2 year to finally say if I didn't qualify for loan modification I will have to pay all my past due which now amount to about $10,000.00. Why did it have to take this long to say one is not qualified, when they are not really trying to help their customers? How do they expect me to raise such amount knowing am not working, but with my present income I can never miss payment if am still paying same $750.00 and lower my interest rate. I need help. Anyone who could do something to change how this bank is toying with our lives. I love my home and will do anything to keep it even if I have to fight with my last breath, can't leave my children on the street cause my parents gave me a home and shelter till their death.

I currently have a home mortgage with Chase that I originally obtained as a WAMU customer in 2003. I was solicited by mail in June 2010 by Chase to refinance my current mortgage to a lower rate. They drew up the paper work and handed me off to a loan officer after the pre-approval process was complete. I had to pay up front a $495.00 fee for an appraisal. My credit score was over 800 points with zero debt besides my current mortgage that was under 200K. My property appraised over 500K, and I have been gainfully employed for the last 21 years by the same company. The refinance was scheduled to close in 30 days. I had to call on a weekly basis to leave messages that were rarely returned on the closing status. I had to correspond by email to get any answers.

I kept being told that the underwriters were holding up the process. About 3 weeks into the process I received a call from a local bank where I currently have a line of credit, with zero dollars drawn against. They informed me that Chase had contacted their loan dept and was putting pressure on them to either close my credit line or lower the limit. I felt this was unethical, maybe illegal? Furthermore this sent me through the roof! I immediately contacted them and told them that the deal is off. I have since switched my checking and savings account, and plan to shop for another mortgage.

I tried to place a complaint with the local Chase branch manager; she was nice enough to give me a number that was no longer working. I also sent an email message through my online account, but no one returned my call. I understand that these are risky times for lending, but they already had my mortgage, and my credit line already existed. I just don't get why they want to **** off their good customers that are not financially strapped or a credit risk!

Chase Mortgage said, we could do a trail loan modification, so we did for 6 months. we were told after 6 months we did not qualified. Then we received a letter stating we need to come up with 17,000.00 or our house would foreclosure. We never talked with one person, we talked with many. They acted as if we never gave them a dime in those 6 months. If my house forecloses, I will never do business with them again. We have been a customer for 11 years. Because we came upon some hard ship. There would rather lost a customer than to help. Bad business practice if you ask me. I hope there can live with themselves knowing that 6 people will soon be homeless. I have been sick with worry everyday knowing I am going to lost my house because a company will not help.

I have been trying to to get a modification from Chase sine October of 2007. We hired an outside company to assist but they took our money. Chase has been giving us the run around and every month we are placed in foreclosure with a sale date and then taken out. Now we are facing foreclosure again as of Sept 7. I want to keep my home but no one is wanting to work with me. I can afford to my home I got the income coming in but no.

We have applied for a loan modification in Aug 2009. After submitting new documents every 3 months, Chase always misplacing one thing or another. In April of 2010, 8 months after applying, they send us a FedEx package congratulating us on being approved to go in to a trial payment. They lowered our payments by $36. What a joke!

But trying to be optimistic, we made 5 trial payments, just to get a letter from Chase that as of Sept 1st, our loan will be serviced by another company. I called Chase and asked how the trial loan modification will work since a new bank is taking over. We were told not to worry, that our complete file will be transferred to the new bank. I called the new bank, and they have no paperwork from Chase, and no idea that we were on trial payments! How can Chase do this to people who are struggling to stay in their homes!

We waited 1 year just to be "sold" to someone else! !Chase is a fraud! They will play with people's emotions and with their livelihoods. Today, I filed a complaint with the FTC and am looking for an attorney! In the meantime, we are most likely forced to let go of our house! Please help if you can shed some light on the situation.

I was told by Chase that I didn't pay taxes on my residence so they opened an impound account and were trying to charge me 1,800 dollars extra a month. I went to the tax assessors office to find out if Chase paid my taxes and was told my taxes were never paid by anyone but myself. I tried to contact Chase and let them know of the mistake in which case I was told, "if you don't like the payment walk out".

Then in October 2009, I went to NACA to see if they could help with the situation and have been waiting for Chase to respond. I then filed a previous complaint with the company, which received a phone call from a Chase executive. She did send me more paperwork to fill out to start modification again. It has been two months and haven't heard anything from them. I have tried to call and left messages and no return call. I have been trying to get this straightened out for a few years. All I want is for them to fix my loan so I can pay my amount that I was suppose to be paying originally. I have a 4 yr old son who I am raising all by myself with no help from his father at all. My son deserves something stable in his life and this is where he has grown up. Please help thank you.

I was informed about thirty (30) minutes ago, via a telephone call with a Nell, that I have been declined from Making Home Affordable Program through Fannie Mae as of August 6, 2010. Please be advised that I seek to appeal this and request a reinstatement for the reasons specified below. I first contacted Chase in November 12, 2008 regarding my issues with my mortgage and why it was behind. I was advised that an analyst would call me within 10-14 days to discuss this and in the meantime, keep saving as much money as I could for the mortgage/workout. I never received a call from an analyst. On December 22, 2008, I called Chase back and was transferred to the analyst assigned to my case, Jeremy **. Jeremy and I spoke at the end of December relative to my options, as well as documentation I was to provide to him.

Given the holidays and weather, I was unable to gather the required documentation by the end of the year. I contacted Mr. ** via telephone and sought advice as to how to proceed next. Specifically, I faxed him on 1/5/09 and received no response. Thereafter, for the entire month of January, I left Mr. ** a message once a week. I inquired on the status of this and further seeking assistance as to how I should proceed, specifically on January 6th, January 13th, and January 19th. I never received a response to these calls. The next communication I received was correspondence from Chase dated 1/28/09. It indicated that my workout had been cancelled because I failed to respond to requests for documents/communication. At that time, I contacted Chase and advised them of the above situation. At that time, I was made aware that documents had purportedly been UPSd to me and I never returned them.

I explained that I never received anything from Chase, let alone a UPS package where a signature would be required. I was given a tracking number and advised to contact UPS. I contacted UPS and was told that the billing information relative to this tracking number was received. This meant a shipping label was generated, but UPS had no record of a package being picked up or even being requested to be picked up. UPS advised me to have Chase confirm with their shipping.

I called Chase back to relay this information. I was told to contact my analysts, Jeremy's supervisor, Ms. Lakesha **. I attempted to contact her on 2/9/09 but was unable to leave a voicemail as her mailbox was full. I thereafter attempted to contact her again on 2/12/09 and left a voicemail. This message was never returned. Finally, on 2/20/09, I was able to speak with Ms. **. She simply informed me that I would have to deal with Jeremy, and it was my understanding essentially to start the whole process over again, now arguably three (3) months later.

Again, in keeping on top of this, I then began my attempts to get in touch with Jeremy ** again. I attempted to call him on 3/3/09 and his mailbox was full, leaving me unable to leave a message. I called on 3/4/09 and again his mailbox was full and again, I was unable to leave a message. I called again on 3/5/09 and was able to leave Jeremy a message. Lo and behold, I received no response from him.

Since March of 2009, I have been approved and unapproved by Chase for the loan modification program at least three (3) times. Each and every time, I was not notified that I was unapproved or declined. I found out only through my own phone calls/follow up. Each and every time, I have been told it was because documents are missing. However, I never received a phone call or letter asking for documents. On the occasions I did receive a phone call, I expeditiously forwarded the requested documents. This has been going on for two years.

Specifically, on or about December 2009, I received my first loan modification packet. I signed and notarized. I returned in the envelope Chase provided in or about the first week of January 2010. At this time, I was dealing with a representative named Brian who called and requested documents. I faxed to him, thus receiving my first modification. I made my payment as required under my first modification on March 11, 2010 in the amount of $1,368.57.

In or about March 2010, I received a telephone call from a Chase representative asking me for documents. I inquired on this person as to why, as I have already been approved for a modification and made the first payment. At this time, the representative told me that they have no paperwork relative to this. Curiously, Chase has no paperwork regarding this but as they are aware, they provide a pre-paid FedEx envelope for return documents. I received no phone call or letter from Chase indicating that they had not received my application timely. I received no phone call or letter from Chase indicating that they required new or additional documents.

On March 4, 2010, I faxed a copy of the first modification to Chase. Thereafter in March 2010, I spoke to a new service representative, Steve **. He informed me that they needed to re-do the modification because of timeliness and looking at the numbers, the amount would likely go down. At no time did Steve request that I provide updated documents of any kind. I received no correspondence from Chase regarding this, only the telephone call with Steve.

In or about the third week of March, I received in quadruple the second modification agreement. Upon review of the second modification, the monthly amount went up instead of down. On March 21, 2010, I faxed directly to Steve a copy of the first modification and explained that I would prefer that one since the payment was lower. Shortly after this, Steve and I talked on the phone and he advised me that although the payment went up, the time of the loan went down. He did not request any further documents at this time. I then signed and notarized the second modification and sent it back again in Chase's envelope on April 7, 2010. It is my understanding that it reached Chase on April 8, 2010 as I noted the tracking number this time for my records. I subsequently have made my second modified payments for May, June, and July, 2010.

Also, during this time, I received no less than four (4) door knockers at my house. Each time I received a door knocker, I called Chase. Each time, I was told it was fine, ignore it. Documents crossed in the mail with the door knocker. One time in particular I spoke with an Angelica. Also, during this time, I received no phone calls or correspondence from Chase indicating that I have been denied, cancelled, or that they require additional documentation. On Friday, July 9th, I received a Chase statement and it was still reflecting my old payment. Furthermore, they were asking me where I want my suspended funds placed (apparently the last three payments I have made).

I contacted Chase via telephone on this date. I was told for the first time on this date that my second modification was cancelled. I never received any documentation stating this. I also never received a phone call or any request for documentation prior to the cancellation of my second modification. I find it incredible that I can get documents in quadruple and no less than four (4) door knockers for what was already a completed modification. But at no time did I get a letter or a phone call indicating that my modification was cancelled or any reason as to why.

I left a message for Steve on 7/9/10 regarding this. On July 12, 2010, I faxed over to Steve an outline of the above and a signed and notarized copy of my second modification agreement, as he requested. At this time, he did not request any further documents from me. Thereafter, I spoke to Steve on approximately two occasions. Both times, he gave me an update. On 7/12/10, he advised me that my modification was being turned over to the escalation department and he would get back to me. Steve called me one more time after that. Based on this conversation, it was my understanding that my modification was being turned over to another department, to an individual by the name of Liya. At no time was I asked for additional/up to date documents.

On July 20, 2010, I called Chase to get an update. Specifically, I attempted to contact the Liya person at the number Steve gave me. I do not believe I made contact with her. I did speak to someone at that time, who told me my modification had been re-submitted and was waiting on approval. I was also advised not to make any payments and to call again early the following week. Again, I was not asked for any additional/up to date documents at this time.

On August 12th, I received a letter from Chase, dated 8/5/10, indicating that I was in default and they were going to accelerate my mortgage. Given the above and my longstanding communication with Chase regarding a modification, I contacted them again via telephone. At that time, I was informed that there was no foreclosure date and that the system generated the letter in error and to disregard the letter. I was additionally told that my documents were submitted on the 6th of August and I was just waiting approval. On August 14th, I received another letter from Chase, dated 8/5/10, essentially indicating that I was electing not to proceed with a modification because I failed to provide documentation, documentation mind you that has never been requested from me.

On 8/16/10, I called Chase yet again as clearly given all of the above; this is not only outrageous but wholly untrue. At this time, I was told my third modification was cancelled on August 7, 2010. And at this time, for the first time since July 2010, I was told that I needed updated documents. During this phone call, I spoke to a Jennifer. I attempted to outline the above for her. She refused to allow me to speak to a supervisor and insisted that all I needed to do was re-submit the following documentation: the RMA, the form 4506, and my recent pay stubs. I have had the summer flu since my telephone call with Jennifer.

Today, 8/18/10, is my first day back to my office. The first thing I did was print and fill out the RMA, form 4506, gather my recent pay stubs, and write my supplemental letter to attach to my RMA. I faxed 15 pages to Chase this afternoon. Thereafter, I contacted a Fannie Mae help line because I feel that my faxing and phone calls are not sufficient. And I need someone to assist me in getting contact and getting this modification complete with Chase once and for all.

I contacted Hope for Homes and my representative, Anthony **, in turn contacts Chase. It is during this phone call that I am made aware for the first time that I have not only been denied under Making Home Affordable Program, but I no longer qualify for it because of the denial. Jennifer, who I spoke to two days earlier, did not mention this. I tried to explain to the representative that all my denials have been due to Chase's errors, not mine. I asked to speak to a supervisor and a woman by the name of Nell came on the line. Nell essentially repeated what the agent before her stated, knowing nothing about the history of the situation or the lack of information I have received from Chase. Nell, in reviewing my account, could not tell me when a request for documentation was made to me, either in writing or by phone. I explained this is because no request was ever made of me.

She informed me that my bank statements are two years old. I tried to explain to her this is because that is when I began this process. No one ever requested up to date bank statements. In yet another show of good faith on my part, I have enclosed copies of the last two (2) months of my personal banks statements (having previously forward the RMA, Form 4506, and pay stubs). Nell informed me that my modification was submitted on 7/20/10 and denied on 8/6/10 due to missing documents. However, my letter from Chase is dated 8/5/10 indicating I elected not to pursue the modification, which is in error. Furthermore, nowhere in this letter does it say I am banned from the Making Home Affordable Program.

Nell also informed me that she could not give me the name of my underwriter. According to her, this underwriter would have been the one to make the request for documents from me. She questioned me as to whether or not I have heard from my underwriter. I emphatically told her that I have not and did not. Nell then informed me that I have to appeal or request a reinstatement. I cannot fathom how I have to do this, when the error that got me to this point in the first place, namely the most recent denial, is not in any way attributable to me. In the past when documents have been quested, I have provided them. At no time were they requested from me - I would have provided them.

The only thing Nell could do for me is email my underwriter. With all due respect, having not heard a peep from this person during all this time, I am not confident that this will happen or make a lick of difference. Given the above, it should be abundantly clear that I am interested in keeping my home and from the efforts I had made, to get some assistance/answer/response from Chase. Chase has dropped the ball on numerous occasions as far as sending me required documentation. Thereafter, they never returned a single telephone call or wrote a single correspondence, or sent my duplicate correspondence. And they never told me additional documents were required and/or that prior modifications were cancelled. Unless and until I contacted Chase to follow up on this issue for two years now, I was never made aware of anything from Chase directly.

I have a similar story to others I've read on this site. I had been trying to get a mortgage modification done for over a year, dealing with incorrect forms on websites, missing deadlines due to receiving no letters or calls until I reached out to them and of course, increased payment amounts due to the 'payment plan' I was placed on during the process. When I finally was able to get the modification, my monthly payment was actually higher than it was before! I had to sign the papers though because my monthly payment would have been so outrageous I wouldn't have been able to make the first payment if I hadn't done the modification at that point. It was and still is a very frustrating experience. I'm still trying to figure out how I will be able to keep my house with the new 'modified' schedule. This company has been no help at all during this hardship.

I have a long list of complaints. It all started with WaMu in late 2008, when I found out that 4 rental properties that I purchased was done so illegally by a team of fraudulent individuals. I come to find out that the loan documents that WaMu had were in fact not even signed by me, but an impostor; the appraisals were falsified and the FBI had proof. I helped the FBI put these individuals behind bars but WaMu still held me reliable for 1 million in debt. As a result I am currently 2 1/2 years behind on my property taxes on my personal mortgage which is now with Chase.

I was forced to file bankruptcy and my wages have been garnished for the next 5 years to pay for these taxes. Chase just now decided to pay the taxes without the County Tax department, or my request of $5100. They are now requesting that I set up a payment plan to repay them for the taxes. Obviously, they do not understand what active bankruptcy is nor do they care that the taxes were being paid monthly through the state bankruptcy court from my garnishment. I have no intentions nor can I afford to pay triple for these taxes. So in a nut shell WaMu approved loans that should not have been approved and nailed me for it and Chase is trying to push the last nail in my coffin and foreclose on my house because I now owe them $5100.00. I personally do not see how any of this was allowed to happen.

Someone deleted my house escrow from my mortgage account in April 2010. Chase then didn't pay my house insurance when bill went to them nor did they contact me or my insurance to inquire about such and when I asked to have this investigated, I called 5 times and everyone I talked to told me there was nothing notated on my account about such. I finally got an investigation going and it has been weeks when I know that anything done by a worker on a computer can be traced to the person that did it with minutes.

I have asked to speak with several supervisors for which I stay on hold every time, I call for no less than 30 minutes and each supervisor tells me they will call me back and I have asked for every person's supervisor that I talk to and everyone keeps putting me off.

I only have two questions: 1) How will the employee that did this be reprimanded and 2) Who will replace this money in my escrow as I cannot afford an increase in my payment nor should I pay for someone else's mistake. I want results promptly and if I am forced to retain a lawyer, I will take this matter as far as I must.

First of all, thank you for what you do. My daughter and son-in-law have fighting with Chase Bank on trying to get a modification. Like others, they were turned down on the same reason, not a hardship or permanent situation. I have been in contact with so many departments of government etc., OCC, FCC, FTC, OIG, and so on. He works for General Motors and had taken a buy-out, and is now barely making ends meet. They have tried refinancing/modification, 3 or 4 appeals, and there's always a different reason for denial. Their home is owned by Freddie Mac. Can and do we have a leg to stand-on? Thank you.

I received an Annual Escrow Account Disclosure Statement which stated that it assessed my Dec 2010 tax bill to be $11,337.84. My 2009 bill was approximately $1950.00 for the whole year and in the value assessment for 2010 my property value went down. They are demanding that I pay $2491.63 for my 09/2010 payment plus an upfront escrow adjustment of $2716.86. There is no way my property value has gone up per my statement from Ada county.

There should be no increase in how much they are charging us. This is fraud to me! Flat out, plain and simple because this is called an estimate, which someone at Chase would have had to calculate. I tried calling the Chase Customer Service Number, and found that there is no option to speak to a real person for a difficult situation like this one. I tried "0" and found that there is a message but no one is there anyways.

We, my wife and I, applied for a loan re-financing in December 9, 2009. We were making payments of around $1,400 per month. Everything was okay, so far. Our new loan with Chase is for $925.89 which was still okay. After some jockeying around to get my Social Security and State Retirement straightened out, it was also okay. I explained several times that I wanted my mortgage payment to be automatically deducted from my check so that I would not need to write a check every month. They said, "yes, yes, that will be arranged." Several months went by, with no problems then on August 4, 2010, we received a letter from the collection department saying that we were behind on two payments, one in August which we thought our August 2010 payment was okay just like the others and the other sometime in June 2010. We are now in arrears of $1,994.00.

If our payment wasn't made in June as they say, why they didn't notify us. I went to the bank to ask for an explanation. He said there was never any papers signed to say that the automatic payments needed to be made and he promptly had me sign them with the headquarters.' Now, here is actually one of the catches, I had gone to the bank in person every month since February 2010 to make sure my automatic mortgage payment has been made. They always said, "Yes, your auto mortgage payment of $925.00 has been made. You have nothing to worry about. "Now, no one at the bank will be accountable. They are all dumb."

Today, I called the loan officer by phone and he became belligerent and insisted we owed them $1,900.00. He said that if our statements show the payments were made, we are okay. To my surprise, some of the payments were made and others were not. Is this normal practice with Chase? Why didn't someone at Chase tell us about this new policy? If indeed, this is their policy, don't they have the responsibility to tell their customers "Oh, in three months you will have missed two payments unless you sign papers". Where is their accountability? We are just sliding by, if you know what I mean. We can make one month's payment but not two. They will not work with us but just keep insisting we need to make two payments this month. Where is their sense of fair play? We may end up losing our house in the end. David is probably a foreigner? At least, I had a great deal of difficulty understanding him. This is no excuse. Thanks.

In 2008, I was behind on my payments, because I lost my job. I hired Kirkland Young to modify my mortgage, and needless to say, I have not heard from them since I paid them their money. I've since had to work with Chase directly. I have been sending them their mortgage modification papers for almost 2 years now. It keeps expiring according to them. Supposedly, my mortgage was modified, and they sent me the agreement through FedEx, and I never did get it. Then the time elapsed. I had to end them another packet. I was told it would not take that long since the mortgage was already modified. That was 2 months ago.

After I faxed the papers in, I called to talk to my account rep, and after calling about 15 times, I found out she is no longer my account rep. I talked to another girl who went through my fax, and told me that my bank statements had to be in order. I told her that I had to turn the pages over, and fax them. She told me that underwriting would probably not accept that. Then I made a calculation error on my expense page, and had to cross it out, and rewrite. She told me they probably wouldn't accept that either. I said well, I will white it out. She told me that wasn't good either. I had to fill out a new form.

I think they are being, way too picky about things. I have a one year old, and I don't have time to keep doing things, over and over again. I told her at this point, I'm tired of dealing with people on the phone, who are incompetent, having to call Chase to get any information about my loan, and being lied to about my modification, time and time again. If I didn't call them, I wouldn't know anything about what they supposedly need again. It's to the point where I'm going to put the house up for sale, and if it doesn't sell, then they can have it back. If they try to get the money out of me, good luck. I'm unemployed. I've tried to do the right thing, and it has gotten me nowhere, with them. I can't mentally play this game with them anymore.

In June of 2010, I started having trouble making payments to Washington Mutual/Chase. I have called my payments in every month from October of 2009 up to June with no problems. In June, I called to make the payment. The person I was talking to said they had not received my payment from the month before. I gave him a confirmation number. He put me on hold and came back. He said that he saw the payment, but it was not applied to the loan. Every month between June and September, I had to do the same with the same results.

In October, I decided to send a check to see if it would make a difference. On the 12th of October, I noticed the check had not come through my account, so I started calling Chase to see if my check had gotten to them. I called every other day all the way up to the end of the month. Finally, I got a person from Chase who told me to stop payment on the check and call in a payment. On the 2nd of November, I went to my bank (SunTrust) and stopped payment on the check. The lady at the bank did a payment for me by wire.

On November 30th, I made a payment by phone for the November payment. In the second week of December, the check that was missing that I stopped payment on was found and Chase tried to cash it. I tried calling several times to correct all this. Chase claims the payment I made from my bank on November 2nd was never made. I went to an attorney. I got him to write a letter requesting a payment history and a way to make payment where they can be applied to my loan. I did not hear from them for 4 weeks. I had my attorney to write another letter to them asking Chase again for the same info. I finally got a payment history from them, but not any info on where to make payments to them where it will be applied to my loan.

I went December and January not making a payment because I could not get Chase to give the info I needed to make payments. I went to SunTrust and had them do a trace on the payment that was made at the beginning of November. And they gave me a tracking number and a letter showing the payment did go to Chase. I tried several more times to contact Chase and find out about the payment from November 2nd and to see what to do about making a payment.

On April 3rd, I received in the mail a letter from an attorney firm in Birmingham. It stated that my house was going into foreclose. I called my attorney and let him know. He called their attorney and sent them the paperwork and all the info about what was going on with my loan. Their attorney stopped foreclosure and sent all the paperwork back to Chase for them to look into the loan. I called Chase on April 5th. I was transferred to 5 different people before a lady in foreclosure department talked to me about the loan. She told me it was going to cost me my house payments plus fees, which she could not tell me at that time. She told me she could get back to me in 24 to 48 hours at the latest and let me know what I would have to pay. I never heard anything from her or any else from Chase. I sent Chase a check for $3405.00 and sent it certified mail. It was returned to me 3 weeks later with a letter saying it had to be certified funds. I went and got a certified check from SunTrust and sent it back to them by certified mail on the first of June.

On the 9th of June, I called my attorney and told him about the certified check, that it was returned saying that it was not enough money. The attorney told me he had just received a letter from their attorneys saying they were foreclosing on the 16th of July. I am now sending their attorney fund for house payments and their fees to stop foreclosing. I still have not had anyone from Chase to call or write me and try to find out where the payment in November 2nd went to. Chase would rather foreclose on me than to clear up the problem.

I have currently paid the loan out of foreclosure and had to pay Chase's attorney's fees. My mortgage is current and Chase had me to pay the payment again that was missing. I have had SunTrust do a second look into the payment and they again came back and said that Chase did receive the payment. I still have not heard anything from Chase. I have $682.00 floating out there and one bank says the other received it and the other says they never got it. I need help and don't know who to turn to; I have suffered a lot over this whole ordeal and can't seem to get help. My house was put in foreclosure and my health has suffered and my wife's. I am also out of $682.00 and another $4,000 I was charged to get my house out of foreclosure.

Was approved for a loan modification in November 2008 @ 7.625%. According to numerous Customer Service Representatives, they verified the approval rate, claimed it was merely a computer glitch. A lady in the Rochester, NY office assured me that if I sent modification documents with verification via Fed Ex, she would personally update the system & that I was to continue sending the amount I was approved for because it may take up to 90 days for the update to be recognized in the computer system.

Needless to say, when I called that office to check on it, no one knew who this person was and I was transferred to the collections department. They insisted I was several months behind on my mortgage, but I know for a fact that I am not because this is my home, after all, and I pay everything on time, even while being given nothing but grief by Chase.

Then, they started saying they couldn't just update the system & that I would have to reapply for another modification & I was to check once a week for the status. When I would call, they were supposedly missing forms (which had been sent), they "misplaced" documents (while documents before & after in the fax were received). Then they informed me that due to my not cooperating in supplying the requested documents (absolutely not true!) my modification request had expired & I would have to start the process from square one. This happened 3 times since being originally approved in 2008. Every time I would call for status, each Customer Service Representative would give me a completely different scenario. One time, they were "very close to making a decision" and the next week I was told "the paperwork hasn't been looked at by the underwriters" "could be close to 90 days because we are so backlogged". I finally felt some sense of hope in acquiring an actual account representative and his direct phone number & thought this nightmare was close to being over. He, too, told me that the underwriters were close do making a decision & to keep checking with him.

One week when I called to check on status, I reached a different department & when I asked to speak to Mr. J, the person on the other end of the phone told me that his department had been closed and merged with the Collections Department. A lot of sense that made, considering how many representatives made it known that they were flooded with modification requests. Why would you close a department if that were the case? Shouldn't they be expanding to expedite the floods of requests? After filing a complaint with the BBB, a very understanding lady was assigned my account and assured me I would have no problem getting approved.

After numerous calls and re-sending documents (some things never change), I was greeted with a package from Chase when I arrived home from work. I could barely contain my excitement as I opened the package, only to see that my "affordable monthly payment" would be $300 more than I was originally approved for. Regretfully, after almost 3 years of trying to get this issue resolved, I had nothing else to do but collapse on the floor and sob. When I called to discuss this "affordable" amount and to make it known that there was no possible way to cut back any further to send $300/month more. After over an hour on the phone and speaking with several departments, all I received was "I'm sorry" and "Have you considered selling your home?".

I was not asking for anything more than the rate to be updated in the system. I have been submitting the approved amount, as numerous representatives told me to do. When instructed to do so, I inquired about the collection calls & letters threatening foreclosure action if I didn't submit the supposed "overdue" amount, they said to just ignore the calls and tear up the "computer generated" letters. To date, Chase Home Finance claims I owe them over $4000 in past due payments, but I have submitted payments as instructed and for the approved amount with a copy of the modification document, areas highlighted to point out the rate and amount that I was assured would be taken care of.

I was put on a trial modification which lasted 11 months and has put me behind in mortgage payments worse than when I started. They finally sent me permanent modification paperwork and I refuse to sign the modification paperwork, because the way it is worded it says that there is a balloon payment for $126,000.00 that is due above and beyond the new principal balance which is due in full whether I stay in the house for 25 years, or if I sell in 1 year. They want the whole $126,000.00 balloon payment in full.

I have contacted numerous reps at their location who say that the terms are the terms and that is what I have to pay. I now, am past due about 10 mortgage payments because of the lack of knowledge and urgency on the part of JPMorgan Chase, and I am at risk of foreclosure even though I made all 11 trial modification payments the 1st of every month on time. I will not sign paperwork which states they want more money than the house is worth, it should read that is I sell my house in 1 year. I would have to pay accrued interest up until that time, not the whole $126,000.00 as it now states.

At one time, I spoke with a rep who suggested sending weekly payments to bring the account up to date and even ahead. Of course, this is denied now. Now they are claiming they do not accept weekly payments and have repeatedly charged me late fees despite the fact that they have received and cashed funds sent to them, put the funds "in suspense" then applied some of the funds toward the monthly due while other funds they allotted to other expenses.

Over the course of the past 6 months, I was bombarded with call after call from different reps from different departments, but all from Chase. Conveniently, they did not have the ability to communicate with each other and "did not realize that I was being contacted so many times about the same issue". Each one had different advice and told me to do something different. Lengthy phone calls, forcing me to repeat my financial status over and over. Forcing me to apply for payment relief programs that I did not qualify for. I repeatedly told them I made slightly too much money for the relief and did not purchase my home long enough ago but..."as part of the process" different reps forced me to go through it again and again. All the while they kept charging me late fees while they were "helping me" to bring the account up to date.

I made several large payments and many smaller payments over the course of the next 6 months. I very specifically instructed them to apply all the funds that I sent to be applied to my total monthly payment, not principal. They did not do this correctly and now are trying to force me to pay fees, claiming that they did not receive payments on time. They did receive payments but did not apply them as instructed and have made it appear as if I was not paying my bill on time in order to extort fees that I should not owe. They have complicated a very simple matter and are bombarding me with numbers that do not correlate with my records but because they hold the note, claim I have no choice but to pay.

At this time, Chase is trying to charge me late fees, in excess of $400 and keep charging me late fees as I try to straighten this mess out with them and get a real and accurate accounting of how much is due. They have convoluted the account so much and have modified payments that it is near impossible to tell how much is actually due. According to my records, the monthly payments are up to date and slightly ahead at this time. Chase is attempting to force me into paying more than is due.

It took me 2 years to get a modification from Chase. They lowered my interest rate and fixed it at 7.125 (still to high). I attempted to have it lowered again as my financial situation got a little worse. Again I was declined after waiting 6 months. Now I am attempting to get a re-finance and I find that my credit score is 3 points shy of qualifying. I have found out that since my original adjustment in 2009, Chase has put a note on my credit report stating that I am paying on "a partial payment schedule", this notation is preventing me from getting a refinance. This totally sucks.

In their effort to help me, Chase has ruined me. How can I get Chase to change the wording in my credit report? I am paying my mortgage payments on time and in the full amount they ask. Why is this stopping me from getting my refinance? I really feel that it is up to Chase to fix this, so that I can be allowed to at least get a refinance on this mortgage.

I recently retired due to a merger between my non-profit and another non-profit. I was told initially that there was not a similar position in the new company, so I elected to retire. I have lost at least half my income. I put my condo on the market on March 1, 2010 and have been unable to sell it; in part due to the market and failure of my HOA to make needed leak repair for 8 years. I was not able to pay my mortgage, HOA, insurance, medical deductibles, food, etc., so decided to use part of my IRA to move to NY to live with my sister. I have lowered the asking price for my condo twice, original $64.5, $54.5, now $49.5. Earlier in my loan I asked to refinance, but was told Chase doesn't refinance condos.

I informed Chase that I wanted a Deed in Lieu of Foreclosure. First, they said I should lower the price of my condo, which I've done. Now they insist I complete paperwork for a "short sale" even though I do not have an offer. I did this prior to my move to NY and was informed by Chase representative that without an offer they couldn't accept the papers for a short sale and closed my case. I continually get correspondence in NY about my account and how Chase wants to help. Each time I call, I get their call center and the same run around. No one there knows anything except what is written in their standard script. The mortgage department keeps itself well insulated from their customers.

At one point, it was suggested that I contact one of their credit counselors. My call was forwarded and after speaking with a counselor, she said there was nothing they could do for me as my income was at least $500/month short of what I needed. That's not a surprise to me. As recently as August 5th, I called again in response to another letter from Chase and received the same stock answer to complete paperwork for a short sale even though I don't have an offer. I know that my credit will suffer, but at 65 years of age, I'm not going to purchase another home or car - I can't afford either.

They are quite a nuisance between their telephone calls and mailings. I really would like to just do a deed in lieu of foreclose and save us both the hassle of a foreclosure. Do I have any way of just getting them to do a Deed in Lieu of Foreclose and get this nightmare over with?

A simplified version is Chase Home Finance, like many others, continually lost our paperwork for our modification. They would request paperwork that had been submitted multiple times. We had refinanced in April of 2008 and did not find out until late December 2008 that we had a balance left. We contacted Chase to find out what it was for. No one at Chase could figure it out and kept advising us we had a second mortgage. We advised them no, this was 2 primary FHA mortgages on the same property carried over from a short pay off. The representatives at Chase did not know what to do and would repeatedly disconnect our calls. I have enormous records to substantiate this. Chase would not acknowledge the two loans were primary on the same property and they failed to note the account accordingly.

Ultimately, Chase placed us in a "trial modification" for 3 months on each loan and we completed successfully. However, Chase again "lost" the paperwork and we had to reapply. We started the process in March 2009 and finally had our permanent modification in March of 2010 on the large balance and April for the short payoff. Eighteen days after permanent modification, the second mortgage balance (short payoff), Chase referred it to charge off. During all this, Chase denied the trial payments.

When we presented our receipts at the local branch, they acknowledged their error. Chase offered to remove $1000 in fees if we agreed to leave it in a charge off status, we declined. They now want to modify our modification(s). We contacted the OCC, FTC and office of investigation, Attorney General's office. Through this we recorded calls from Chase's executive office, but once they realized the mess, it would get referred to someone else. Chase has done everything possible for us to default, including blocking access to payments online, branch and Western Union. What do you think thus far? Out there is it not?

In the year of 2007, my husband and I were facing foreclosure of our home. In the month of February, we were 90 days behind so we made a payment of $3196.22 which made us only 60 days. However, in the month of March, we were 90 days behind again and so we contacted Chase to try to save our home. They set us up on a payment plan. We made three payments; on March 28, 2007 we paid $3196.22, on April 13, 2007 we paid $2856.00 and on May $3300.00, which was supposed to get us caught up. These three payments, including the payment made in February equates to $12548.44. Afterwards, we could not continue to be on time because the payment that we were placed on was almost $3500.00, which was more that 50% of our income. So our home was foreclosed.

That following year, we received a tax statement showing that from the $12548.44 we paid to Chase, we were only given credit for paying $6450.08 in interest, which we know is incorrect and they are unwilling to correct the amount. Please help us. We are only asking for Chase to give us the proper credit for interest paid for the 2007 tax year. We were not given proper credit for the interest on our mortgage of our home, affected our tax return for 2007.

I received a call from Chase telling me that I was late on two of my mortgage payments. I have my mortgage payment set up to pay automatically on the 25th of every month. I called Chase back and they stated that my June and July payment was never received. They will not acknowledge the error on their part. My bank statement, as well as a report from my Automatic Bill Payment, states that my mortgage was paid to Chase on June 25th and July 26th. I've also validated with my bank that the payments were sent and that there appears to be no fraud involved. This means that my account was debited and this money sent to Chase.

It is certainly concerning that several thousand dollars of my hard-earned money has been given to Chase and that I was told from their representative "We have no record of this". I continue to be called by collections department with threats of my credit being affected. These calls from Chase have caused me to spend a lot of energy, stress, time and concern as the person on the other end of the line from Chase who I speak to continues to threaten that this will affect my credit. I have been a good customer with Chase and always pay my mortgage on time. If this was an error on my part, I would fix it immediately. But it appears from both the records of my bank and my own records that I have paid my mortgage in full. I don't know what to do or call now and I am very frustrated with Chase on how they are handling this situation. They just assumed that the issue is mine.

This is the second time I am filing a complaint. I have been getting several calls a day since 7/7/10 until today 8/03/10. They are harassing the wrong person. My husband and the person they are looking for have the same name, the difference is the middle initial. When we mention this they give us a number to call to clear it up and of course they are requiring a social security number or account number which we have neither because we do not have a mortgage with them.

I was able to contact some one at Chase that handles taxes and she forwarded my information on to the collections dept. I even provided the the other gentleman's information like his phone number which I found in the phone book and the addresses of the three properties he owns. This was last week and I have not heard from the collections dept at all to say they have made a mistake and they are sorry for all the calls. I want the harassment to stop.

I am a customer of Chase Bank having a checking account and mortgage through them. Thinking that rates must be down, I checked on their site and filled out the form for a refinance. I gave my account number and all the other info. So I get a call from Milly wanting to know how long I have been in the house. It was on the form. Are my wife and I married? It was on the form. I told her we have an account with them but since she was on the phone, could I get the current interest rate on a 30 year fixed. She would have to call me back. Maybe she was going to read my account info. I have a 5.75%, 30 year fixed and I get quote for a 5%, 30 year fixed loan. No savings there. Then I get an email from her with a per-qualification letter. The problem there is it was for someone else. Great Security there! I am for sure looking elsewhere for a better rate loan and getting away from Chase as fast as I can.

I was told to send a new payment amount in April of 2009. I followed all the instructions from the Chase reps, Freddie Mac approved the modification and Chase stopped sending me monthly statements. I sent a QWR on 5/17/10 to receive my statements, Chase confirmed receipt on 5/25/10. As of 7/28/10, I still have received nothing. I sent all the details to my elected representative in congress and I am still waiting. In the meantime, Chase is reporting me more than 120 days late and my FICO score has dipped to the low 500. I am still making my payments in full and on time as per the agreement with Chase and they won't communicate with me. I am being unfairly treated, unjustly reported to the credit bureau and Chase is going to foreclose on my home any day now.

Loan modification program is a scam! They had me on the program for 16 months then decided to decline me and the next day start foreclosure proceedings.

Two years ago, I filed bankruptcy and was granted a discharge. During the 3-month waiting period, Chase financial never contacted me regarding ways to keep my house. Only after the discharge did the phone calls, letters and harassment start. I have told them repeatedly to quit calling me, given them my lawyers name and phone number, and my lawyer sent them a letter stating the fact that they were to have no more contact with me, but instead to contact him.

They continue to harass me by phone or mail. I had to file bankruptcy as part of the recession and a nasty divorce. I have learned from my past and am trying to rebuild, but am daily haunted by Chase finance. I have had to go on antidepressant medication and am on the verge of a nervous breakdown. Is there any way to get the harassment to stop? I have already paid for filing bankruptcy by the shame and quilt that accompany it. Why do I have to continue being embarrassed by my past actions?

Since 7/7/10, we have been getting harassing phone calls from Chase Home Mortgage. As of today, it's a total of 13. The person they are looking for has the same name as my husband. He and his wife own 3 properties here in Denver and 2 of them have Chase Mortgage. We have told them we do not have a mortgage with Chase. They told us we need to call a certain number to clear it up. When we call this number, it is asking for either a social security number or an account number. Of course, we have no account number. When my husband tries his social security number, of course it is not valid because we do not have a mortgage.

Falling on finical hard times I am trying to refine my mortgage with chase home loans, I had wa-mu and they sold me to chase. In Jan. not knowing that the payment on my mortgage would double plus in payments. The process of this loan modification has been going on since Jan. I was told that don't worry, send paper work in and we will help you reduce your payments and keep your home. I pray to god this will happen. I have sent the same docs in over ten times. I feel like I don't get answers and them keep me stringing along. I need help. I had hoped that when the new president got it I would get the help I need, I know Chase has got money through the bail out. They tell me I can't be part of it.

We became behind in our mortgage with Chase due to my husband's illness. He has terminal cancer and was unable to work. We started a loan modification in July 2009 when we were still under Washington Mutual. In August 2009 I received a call from a representative of WaMu and he told me that they were putting all modifications on hold until the Chase/WaMu change was completed, approximately November 2009 to December 2009. He said that when it was complete, Chase would be contacting us to complete the modification. At the end of November 2009, we received notice on our door that there was a sale date for the foreclosure set for December 9, 2009.

After several phone calls, many times per day and several faxes, we were able to get the sale postponed. At that time they acknowledged they had received our paperwork from July 2009 but had not done anything with it. On November 30, 2009 we sent in our modification paperwork for the second time. On January 6, 2010 we received package from Chase with a Special Forebearance Agreement for us to sign and return. It stated that our payments for February, March & April would be $0. We called Chase to verify this because we thought it might be a mistake. They said no, it was correct and we would hear from Chase sometime in April with formal modification documents.

On May 15, 2010, we received a modification package to sign and return to Chase. We sent it back via FedEx the next day. We then received 2 more packages over the next few weeks, with the same information in it. We called Chase each time, and were told they had received our original paperwork back. We received calls constantly requesting the documents back, one lady told us she was calling from Costa Rica, one said she was calling from the Philippines. Each time we received the calls, we called Chase and were told the documents were there. Our new payments of $980 were supposed to start on July 1, 2010.

We set up direct withdrawal from our bank account to come out on July 5, 2010. When we checked the bank account on July 6, 2010, it had not come out yet. My husband went to the local Chase Bank branch and they called the loan center and they said that they hadn't received the paperwork and was proceeding with foreclosure. They told him we would have to start the entire process over again. He then went to the loan branch in Riverside and they called the loan center and worked out with them to send a new package to sign and they were told it would be to our house within one week.

When we didn't get the package, my husband went to the Riverside center to talk to them about it, they were being helpful but there was only so much they can do. Today we received a Notice of Trustee's Sale posted on the door of our house for a sale date of August 9, 2010. We have had so many people walking around the property, knocking on the door wanting to get in to see the house. They are very rude and persistent.

My husband has very few good days, his cancer has spread to 80% of his bones and this is very traumatic for him. We have lived in our house for 22 years and until the past two years, we have been current on our mortgage. We even had been paying extra principal payments each month. I am extremely worried for my husband's health, he is deteriorating each day and this stress is unnecessary. On March 4, 2010 we sent it the third time per their request.

My wife and I have really had a string of bad luck and the business practices of chase home mortgage company are truly nothing short of criminal. My wife lost her job in June of '09. She had 3 miscarriages in '09 and because of our financial hardship and lack of income we had to give up 1 of our cars in order to make ends meet.

Because of all of this, we fell behind on some of our house payments through chase bank. We were told in March of '10 that we were approved for a loan modification program that would lower our home loans because of a better financing rate and basically any back payments would be added to the end of the loan. Sounds like a fair deal right?

Well, the chase rep told us to absolutely not make April's payment and make our first payment of the modification program in may of '10. So we did. We sent the first payment which was the lower amount which we were told was because of the approved interest rate. When we paid the bill through our online banking system just like we always do. We found out that 2 days later the payment was returned to my online banking institution because they cannot accept my payments any longer through online banking because I'm part of a different account due to the loan modification program. Okay. No big deal. 'How can I pay?" I asked.

They then told me a week after the due date for the loan that as it turns out we were not approved for the loan modification program because our paperwork wasn't filled out correctly? So, how come if I've been denied for the loan modification program, they wouldn't accept my payment? No response was given for that question.

Every time we call, every time, it's always a different answer and we can never ever talk to the same person more than once because they don't have voice mails and they state they cannot connect you with anyone other than who answers the phone. So we once again begin the process to fill out the forms for the modification program and once again, we are told all we need to do is sign 3 lines on the forms that they say were never signed previously (because those original papers were never sent to us.

We have the faxes we sent them to prove it and it would be taken care of and just so we know we are pre-approved for the program so we absolutely do not need to send in June's payment because it would be covered under the new loan. Okay.

Too good to be true you ask? Yep. Come to find out that we once again need to sign more papers that were not previously delivered to us and now because of the lack of payments and the late fees and interest on those fees we now owe more on our house than we previously financed it for 2 and a half years ago. Coincidentally right before the market crashed and we lost all established equity in the home. So now as it stands my wife is 6 months pregnant with her first child, my 2nd. My daughter lives with us because I have custody of her and we are being told that we are going to be foreclosed on because of our lack of commitment to pay our mortgage?

I just don't understand why in the world this bank would want to kick people out that absolutely want to do the right thing and work with them on taking care of the debt and foreclose on a house that's worth around 35% less of the original loan. Why? We would end up claiming bankruptcy and the bank would be stuck with a house that they either can't sell or have to take a substantial loss in. We are getting to the point where there's just no hope in sight and all we can do is try to give them money each month in hopes that they will wait on foreclosure. We feel lost and hear of loans that we should qualify for yet are told we can't.

Keep in mind our total take home each month is only around 3500 dollars. We can still pay for our house now due to restructuring our budget but we feel that the bank will absolutely not work with us and just sends us through a maze of confusing tail chases while they sit and laugh. How can they get away with this? Why after all the complaints against them has somebody not intervened and said 'hey! Something is wrong here! ' Its criminal. If we played the same game with our taxes that we pay each month to our government, we'd be placed in jail.

We are trying to prevent foreclosure on our home. We applied for a loan modification in April 2009. We were given a plan that we completed and continued to pay on. In April 2010, we called because we still hadn't heard anything from Chase (we had made numerous calls) to inquire about an escrow letter that we received stating that we had a surplus. At that time, I was told that our home was scheduled for foreclosure sale on 1 June 2010 because our modification had been denied. We were never notified. We were informed by Regina that the only way to prevent foreclosure was to pay to bring our account current or do another modification. We were told that all the money paid was in a suspense account and couldn't be applied to the loan.

We started another modification with payments beginning in May 2010. In July, we received a letter that our modification was denied because we weren't occupying the property and that it was noted by our underwriter, whom we've never spoken to that we weren't living in our home, a total lie. I was by told by a representative, Chris, that we should make the July payment and that their error would be corrected. On 9 July 2010, I spoke with Beverly, who confirmed that the proof of residency information had been received and that we should make our July payment. She told me that she was forwarding our information to a relations manager. The July payment was made on 10 July 2010 (due on 11 July 2010).

Today, I called to inquire about the August payment and was told by Angela that our July payment was never received (I faxed in confirmation of payment on 12 July 2010 for their review just to make sure that Chase knew that payment was made via Western Union on 10 July 2010). I asked to speak with a supervisor and was placed on hold for exactly 20 minutes. Sonya picks up the call to inform me that she wasn't a supervisor, but that the call was placed back in rotation for another representative. She informed me that she was going to email our relations manager, Joel, and request that he contact us, and that though she was emailing him, there is no guarantee that he'll call. How reassuring. When I arrived home today, I received a letter from Western Union that our July payment was denied. I'm still on hold with Chase (38 minutes now) to find out why our payment was declined.

This is a scam to keep ripping home owners off. All I'm seeing is that Chase lacks integrity and if they aren't going to help, be truthful and stop stringing home owners along for a let down. I have every conversation and fax confirmation that has been sent to Chase beginning April 2009 to present. Please help. We may lose our home.

I lost my job in November of 2008 and had little savings and was receiving to pay my mortgage. It was difficult, but I was making it. As my savings started to diminish, I contacted my mortgage company, Chase Home Finance, and asked them if I could do a mortgage modification because I was struggling to come up with the monthly mortgage payments and needed to have them lowered. I was told that they could not help me because I was not delinquent enough!

I thought the modification was to help us so we would not get delinquent! I tried to do the best I could and eventually I got 4 months behind on my mortgage. I called Chase and they told me I had to submit all the paperwork which I did. I submitted this once and was denied because I owed too much debt. I had to resubmit the paperwork and then I was told they did not receive all the paperwork. The phone calls back and forth went on for almost 6months when I had to resubmit and fax paperwork. I was finally told that if I made three payments and was not delinquent I could qualify for modification.

I agreed and struggled to come up with the money by not paying for my gas and light and water. I was to have my new documentation by August 1 and my new mortgage payments would be reduced by $200, while not a lot, they were going to roll my 4 months past due into my loan. I was told by a representative (I will withhold name) that I was approved and I needed to save my money for June and July and my first payment would be in August.

I have since then not received any calls or any paperwork reflecting my new loan amount. Today, however, I received a letter stating I need to pay 6 months past due by 7/31 or my house will be foreclosed! I called the 800 number and was told I was denied because my unemployment benefits were cut off! When did they decide to deny me and why was I not told? I tried to call the representative who had agreed on the new loan, but her voicemail is not receiving messages! What do I do now? No one at Chase can help me because my unemployment was cut off. I have two kids and according to them, on 7/31, they are gonna foreclose on my home.

I am unable to hold my head above water, I am behind on all my utilities and the stress is taking its toll as I see that I am losing my hair and I am so depressed I do not know what's the worse that can happen to me. I keep this all to myself to not scare my children, but one day they will see all our stuff on the front lawn and there is nothing anyone can do for us.

I am a Chase Customer. Last year I also asked for a loan modification due to back surgery and health issues etc. I was advised that since I wasn't past due, Chase could not do anything. I was advised to stop paying the mortgage and then they would help me. So I stopped paying and called directly after. I got the same run around everyone else did until six month ago. Then I was put in a trial period which I honored at a higher monthly rate. I received a letter with legal papers congratulating me that I had been approved for a loan modification, except the payment is only $96.00 less than my original mortgage payment.

That's not a loan modification! I asked for help before I was ever late to no avail. I have an 8 year old, the house is falling a part. I just had 6 water leaks (for 2 months) fixed today before my floors fell in which shorts me my whole payment this month. It's so unfair to everyone out there to be treated this way and to have to worry about their homes, stability and mostly sanity over this.

The Obama help make your home affordable plan is a joke, and as you can see from the numerous posts on here, Chase does not care. Evidently, no one else does either, why else would they be "allowed" to continue to ruin peoples lives? That's exactly what they do when they run you around in circles and are not honest and forthright. Very sad! Some one needs to make Chase accountable. Too many people (me next probably) have already lost their homes over their greed.

Again, I called Chase several times before my January 2010 lower back surgery asking for help. I needed lumbar surgery and would be off for a while. I also have a kidney that is not functioning, liver issues, need sinus surgery, and blood problems. I was seeing many different doctors and having to take many medications. I had to stop seeing most of my doctors and not get all my medications because I could not afford them.

I called Chase many times (always getting a different story from who I spoke to), asking for help. They could not help unless I was in default. I went into default, all the time still calling and asking for help, just to get a notice in the mail that I was being foreclosed on. I called, and called again to which, I was eventually put on a forbearance plan. This was at a rate that was even higher than my mortgage payment. I paid 1409.00 each month for 6 months (I borrowed from my family, didn't have food for my 8 year old or I could not see my doctors or purchase my medications.)

I called them and told them I had water pipes busting under the house that were leaking. I could not afford to get them fixed. I thought they might at least waive one payment so I could save the floors from falling in. I explained that I bought this double wide and just recently found out it did not have it's on well on the property. It is shared with the neighbor. It was also not on a permanent foundation. My car is falling apart. The pipes are busting, shingles flying off, hot water heater went bad, AC unit has broken several times. My electricity runs $400 in the summer and $800 in the winter. It uses emergency back up heat because it never had a heating system. I never knew any of this. It was my first home purchase and I thought that is why you were charged an inspection fee.

I am now paying almost 200k for a fabricated home, falling apart, without a well, etc. I think that was unfair, and to me illegal to sell me a home with all these problems that I was never made aware of. The loan was sold a couple of times. I refinanced once to try and get a lower payment. It actually went up because I was told I was not and had not been paying enough in Escrow. I lived on my credit cards for a while which are now maxed, and now am having to pay those. I kept receiving help letters (have most of them) saying they would help me if I was struggling. Not only did they not help, their so called help actually cost me more. I am under great financial stress and only want to keep this property because it was bought from my brother and the land has been in the family for many years.

The house next to me sold for 130k, and I am paying almost 200k for a double wide. I got an offer in the mail a couple of weeks ago from Chase. They considered this help, I suppose. My new payment would be $1290.00 month at 5% interest. My original payment was $1384.00 per month at 6% interest. Yea, they consider that help to me. I can't believe they even wasted the paper to send that out to me. Anyway, I am sick, a single mother of an 8 year old who can't even afford to buy him underwear (or a hamster, what he really wants) because of trying to hold onto this piece of junk.

Chase has done nothing but run me around and around in circles. Again, I called them several times asking for help before I was ever late on a payment and got the run around. Now that I am trying to save the place, all I have gotten is a run around. I know they base the payment at like 31% of your gross, which is unfair. They take $600 of that for medical insurance, medicare, loans etc. I could probably swing $750 per month, and that's going high just so I can see my doctors and not die anytime soon. My best bet would be to let it go into foreclosure and just go rent somewhere. But, I feel I worked hard all my life paying all of my bills, and being a good citizen. When it came time for someone to help me, they all turned their backs on me. So unfair! I don't see why Chase won't help me. They would get more money from me than from a foreclosure. Please help me. I only have $750 for this month's payment. I had to get the pipes fixed (just did today after 2 months)

A certain Berry ** at Extension 3777 called and left a nasty message for me to call him back. I finally did and asked him why he had to leave a nasty message. He started saying something while I was speaking and I heard something like "Loretta, I don't have to listen to you unless you change your attitude!" Again, I asked why he left me a message like that and he said that he didn't have to answer me so I said that I would speak to his supervisor. I spoke to Ms. Kelly **, I explained the situation and she put me on hold. When she came back, she informed me that Berry claimed he had not spoken to me. I said that the message is on my recorder. She avoided the issue and stated that she would transfer me to someone else. I said thank you and she proceeded to transfer me to a Greg **.

He also was rude. He said that he was listening to the conversation and that if I didn't change my attitude, he wasn't going to help me. He asked me what were my intentions as far as my auto was concerned and I said that we were not in bankruptcy any longer and I was trying to get information on the vehicle like how much we owed, how much was paid, etc. He proceeded to tell me that he knew that because there was a problem--the Trustee had filed a motion to dismiss. I told him we wanted it that way. I didn't think it was his business to know why we had decided that we no longer wanted to be in bankruptcy. He then proceeded to tell me that while we were in bankruptcy, the interest was accumulating and we owed almost $10,000.00 and that he wanted it right away.

I said no and that we would make payments but he said no. Then, he proceeded to ask what were my intentions and I said that we wanted to pay for the car. He said that he would not take payments and that he could make arrangements, but that I had to change my attitude. He then stated that they were going to pursue the loan and I said, "Okay, well, if you won't work with us, he could pick the vehicle up and he said that they didn't want it!

Again, he asked what were my intentions and again, I said that we wanted to pay the car and he said they would not take payments. Because he spoke to me as if I were a low-life, I decided that I didn't want to continue speaking to this guy. I informed him that we would make payments and he said no. So we are at a stand-still. He wants his money, but he won't take payments and he doesn't want the vehicle. It's really a shame that someone of that caliber holds people's lives in his hands and is too immature to make sound decisions.

Approximately one year ago, I applied for and was pre-approved for the Making Homes Affordable Program (MHAP). At the time, I was only ONE PAYMENT past due on my mortgage loan with Chase. It took several months to get pre-approved, but I continued making payments and have not missed any payments during the past year. Once I was placed on the pre-approved program, I was told to make the modified payment of $1,085.00 for the next several months, which I did. I followed the directions Chase had given me to the letter.

A few months ago, I was advised by Underwriter, Heather W. that I did not qualify for the program because my income ratio did not meet the requirements. She said the program looks at gross income versus net income and because of that, I did not qualify for the program. Ms. W. did advise me that I would most likely qualify for an "in-house" modification called "CHAMP". She actually told me to continue making the modified payment amount, at which time I told her I was going start making my regular payment of $1,282.00 again, even though she and other customer service representatives had advised me to continue with the modified amount.

Not once during this entire time did anyone at chase inform me of the income ratio requirement. All of the financial statement documents Chase sent to me to complete stated net income. My obvious question was, "Why wasn't I advised of this requirement up front?" No one at Chase could answer that. If this had been determined initially, I would not be in the situation I'm in at this time.

When I applied for assistance, as stated above, my account was only one payment past due, and although I didn't miss any payments during this time, I am now three payments past due (plus thousands of dollars in late fees) simply because I followed the directions given to me by Chase. How is this fair to me, the customer, and the person Chase was supposedly going to help? Not only did Chase not help me, Chase has caused me to become even more delinquent and made my credit even worse. After speaking with Ms. W., I was unable to get a straight answer out of anyone at Chase regarding the status of the in-house (CHAMP) loan modification for the next 3 months.

When I did talk with someone who was willing to check the status of the in-house mod, I was told that Justine S. was now the underwriter assigned to my account, but that it looked like the Champ Mod was declined too because of the financial info. I then tried to contact Ms. S. close to 50 times with no success regarding the change in my financial statement information. I faxed and mailed updated financial information and left many more messages with her as well as her supervisor, Paula S., but neither had the courtesy to return my calls. I've talked with many different customer service people regarding this matter; however they were absolutely of no help, in fact some were nothing short of rude. They made it clear that they are dealing with thousands of requests, however, that does not help my situation, I am just as deserving of their assistance as the next customer.

Earlier this month, I learned that the Champ modification was also definitely declined, but the man in customer service sent out another modification package for me to complete (this is at least the 6th one I've completed for them). I agree with the complaints from other people on this site, Chase is just putting me off; they have no intention of actually helping me, even though they certainly caused this mess. When I applied for assistance, I was "pre-approved" for the Making Homes Affordable Program.

At that time, my account was only one payment past due, and although I haven't missed any payments, I am now three payments past due (plus thousands of dollars in late fees) simply because I followed the directions given to me by Chase. Chase has made no attempt to assist me in resolving the issue. If they had been forthcoming with the MHAP parameters to begin with, I would not be 3 payments past due at this time. I would appreciate any advice in correcting the situation.

My uncle secured a HELOC for $50,000 from Chase in 2008 to buy a wheelchair, accessible van for my aunt, who died in October 2009. My uncle died 10 days later. I was named executrix. The attorney for my uncle's estate sent Chase the death certificate and my letter of authority in November 2009. The branch also sent these documents to Chase Home Finance and I sent them several times. However, Chase refused to speak to me about the HELOC! I called and emailed several times and they said they had no proof I was the executrix!

In early May, I received a letter from Chase attorneys stating they had sued us! I guess they decided I was the executrix. The balance on the HELOC was approximately $40,500. I sold my uncle's house, and at closing on May 17, 2010, the title company discovered Chase had never recorded the lien against the house! So the payoff was delayed. Chase was paid on May 20, 2010 and they kept $2800 from the proceeds for attorney's fees! Finally in June, I spoke to someone in their executive office, who said it would be investigated. Yesterday I heard from Chase that they will not refund the $2800.

Chase has a website devoted to helping their customers with foreclosure, but they never offered that help to me for my deceased uncle's estate. They would not speak to me! This is how they treat their customers who die! This is appalling to say the least! On behalf of my deceased uncle who had very little, I want this $2800 returned to us! This is pocket change to Chase. This must be resolved for my precious uncle and all others who may be treated this way by Chase Home Finance!

In January 2010, I applied for a loan modification and was instantly approved for a trial bases, which significantly reduced my payments. I was somewhat concerned that payments were to be mailed to a center in Ohio and only by a cashiers check. My fears came true in May 2010 when my home went into foreclosure. I admit my payments on the loan modification were not on a timely basis but they were made! It cost my family over $7000 to recover attorney fees and back payments that Chase claimed we were behind on. Chase should not offer an imaginary service to customers, in this economy, most of us are financially and mentally burdened!

We had been dealing with Chase ever since our mortgage was sold to them in 2003 and had been managing the mortgage account online. We had set up recurring mortgage payments through the website to be deducted from our checking account with our credit union (not a Chase bank account). We refinanced in June 2010 to consolidate the primary mortgage and an HEL and lower our monthly payment, and the Chase mortgage was paid off on 6/30/2010. They immediately disabled online access to the account so that I could not see the last transactions or download the last statement.

I also could not access the recurring mortgage payments but assumed that this had been disabled along with the rest of the account. I requested information about the final payoff transaction through the customer messaging system and was sent the information about our escrow refund and got the transaction information through snail mail.

On 7/9/2010, another recurring mortgage payment was deducted from our checking account, despite the fact that the mortgage was closed, resulting in an overdraft taking several hundred dollars out of a savings account. Fortunately, this did not prevent any payments from being made on time but we were not planning on being short by that amount this month and had other plans for that money. Also, we have often enough been in a position where we would not have had a sufficient savings buffer to sustain this loss. I had checked our accounts on the morning of the 9th, before the deduction, and did not check again until the 11th when I discovered what had happened.

I immediately called Chase to tell them what had happened and to make sure the recurring payments were cancelled going forward. Again, because they disabled access to the mortgage account and the recurring payments that went with it, there was no way for me to see or manage this myself. Chase customer service very politely told me that when the overpayment was detected, they would refund the money via paper check within 21 days. I said this was unacceptable and asked why they could not simply refund the money using our credit union's transit/ABA number the same way they use it to deduct funds.

I was then transferred to the bill payments unit, who cancelled the recurring payment for me over the phone but then said that they could not do anything about a refund and that the mortgage unit would have to initiate it and suggested that I ask for a supervisor in the unit. I then called the mortgage unit back and asked for a supervisor with the goal of getting the refund expedited. After long periods of being put on hold and never actually talking to a supervisor, I was told that if I faxed copies of my bank statement proving that the money had been deducted from our checking to a "supervisor's" fax number, they would try to speed things up and cut us paper check within 5 to 7 days instead of 21.

When I pointed out that for one, their own bill payment unit could verify that the funds were deducted and two, that our credit union statement reflecting this deduction wouldn't be generated until August 1, I then asked that if they would accept a snapshot of my online account management. After another long hold, they told me that they would make an exception and allow that. I then asked if I could not just upload the snapshot through the Chase messaging service, which is secure (more so than fax), and they said they would only accept the information by fax.

At this point, I called the billing department back and asked them if they couldn't just fax a verification that the funds had been deleted over to the "supervisor" whose fax number I'd been given, since obviously, that should serve as the best possible verification that I wasn't simply making up this deduction of $1,100.00 from our account. After another long hold, the bill payment agent said they had spoken with the mortgage unit and reiterated that they would only accept a faxed copy of my bank records. I got the impression that I was supposed to be grateful that they were making an exception and letting me send the online snapshot instead of waiting until August 1 to fax them the final statement.

The next day, I faxed the requested documents with a request on the cover sheet that I be contacted with confirmation that the information was received and that it would suffice to get the "expedited" refund rolling. By that evening, I had received no such confirmation and uploaded a message with copies of the faxed pages to the Chase messaging center asking for confirmation that the documents had been received and were sufficient. I received no response. Finally, I called Chase and after a long session of being on hold, I was told that they had received my fax. We are now waiting for this refund check.

I started the loan modification program last September 2009. It is now July 2010. I had been asked for the same documents 4 times: taxes, pay stubs, bank statements and filled out hardship paper. One time, I didn't mark the boxes all so I was told I had to fill that out again. I have talked to the people in Arizona, Texas, Florida, New York and Carolina. One day, I got 4 foreclosure notices: 2 from Texas and 2 from Florida. I have given up on this shame of a loan modification.

I was put on a modification payment plan which I made my payments just fine and on time. One lady whom I talked to wanted my divorce papers again and said that I was not approved because I never sent the papers in. Well, I already had since months ago. I told her to talk to the lady in Texas because she had just told me that everything was fine. She said that she was a Chase Bank representative and I said that so was the lady in Texas. I gave her that lady's number to call. I last talked with them about a month ago. I was supposed to be called in every 2 weeks. I was told that they were working on my escrow which would take a couple of weeks. I don't have escrow. I pay my own taxes and insurance. Anyway, I gave up since I haven't talked to them since. I've kept all the paper work since them including at one point, they sent me papers to assume that I already have the loan.

In early February 2010, we started the process of Making Home Affordable Modification - MHA. We have mailed and faxed every piece of paper that was required. When we called and spoke with someone in the department, we were told that everything was received and that things were looking good. Then a week later, we received a letter with documents that are missing. But these are the documents that we've either mailed or faxed. This never fails and it's not right. This is ridiculous. It's all a game but I do not have the time to play games. We are current on our payments and all we want is a little help to reduce our monthly payments, but it seems like you are not willing to help us out.

I understand that there are lots of people trying to do the same thing, but on the other hand, I don't feel like your employees are on the same page. You are told one thing and then it's something else. Just last week, July 6th, I spoke to someone in the MNS department and he told me that everything was there and that he was putting a request for someone to start reviewing our files right away. I even faxed my July's pay stubs just to stay current on July 13th. Today, July 14th, I received a letter that I was missing the federal tax returns and the 4560-EZ Short Form Request. This is not true, I have mailed and faxed this same paperwork twice already. It is very frustrating when you are trying to do what you're told and you are not getting anywhere. I would like for something to be done as soon as possible. Thank you for your help.

I decided to buy a home. I chose Chase and they gave a pre-approval for $200,000. After I have chosen a home, I saw the appraisal and in this report, it showed that the condominium dosen't have flood insurance. I continued with processing the loan and I have spent $2,000 more than what Chase needed. A few days before the closing date, Chase didn't give me the loan because the condominium and the apartment doesn't have flood insurance.

So Chase, who's supposed to be experts in processing of home loan, never read the document of the appraisal and never knew that because at the beginning they have to now what they needed to approve the loan. Now, nobody wants to give my money back. I lost my lease in my old apartment. I lost more than $2,000 in the process and I have to move to another apartment.

This company held my payments in suspended account and did not apply to my account and marked me 60 and 30 days late to the credit reports. They raised my payments after they made a mistake of paying double on my homeowner's insurance which raised my payments. The payment I sent in was $125 short because of this and they put the $2,000.00 I sent in in suspended account because they were short the $125.

Please help me get them to fix my credit reports. I need to get away from this company. I was trying to refinance my home to make things more affordable and found that they did this, which keeps me from getting a new loan. They are ruining my credit by reporting this rolling 30 days late and going from a fine to 60 days and no 30 in between, even with having my money in an account with them. Thank you.

I have a chase mortgage loan. I have this payment on auto pay and have made my payment prior to the due date since the inception of this loan. I have never had a late payment. This is on a condo. I have had continuous flood insurance on this condo since its purchase. Chase decided I didn't have insurance and attached insurance to my mortgage payment via an escrow.

This made my payment higher and my auto payment short every month. Therefore Chase is saying I'm late every month. After months of calls and numerous faxes, the billing is fixed to the correct amount/payment. However, it is still reported on my credit report 10 months later and my score has gone from 780 to 620. I have called every department at Chase for 10 months regarding fixing this. I disputed this with the credit reporting agencies and Chase told them their reporting was correct!

Yesterday, I find there is some kind of note on my mortgage file about I've been in to speak with Chase about short selling my property. I have never had a desire to sell this property nor have I ever discussed this with Chase. I need an attorney, I will pursue a lawsuit for damages. Ive been damaged and Chase should pay for this incredible complete lack of concern for my credit, my health and my financial health. They have been made aware of this problem time after time after time and they just do not care about the damage this has caused to me.

My Amex was closed after 10 years, due to the incorrect reporting to the credit report. My home equity line was closed due to the credit report. My access to cash was closed via the credit line. My recent car purchase cost me almost 8% due to the credit report instead of 0%. I had a 780 score and now I'm at 620. I cant even refinance this loan and move from Chase because of this nightmare. How can you pay your bills responsibly and end up in this?

On May 14, 2010 I spoke with Michael of Chase Mortgage Company. We had received numerous offers from Chase to refinance our mortgage with them, stating that we would not have to pay certain fees since we were a customer already. We requested a 15-year-loan consolidating three loans that we already had with a little cash out amount that Mr. ** assured me would be no problem. He also quoted me our monthly payment which was less than what we were paying now for all three loans.

We proceeded with the paperwork as requested and went back and forth many times sending all types of additional information that they requested, like insurance policies for both homes and copies of tax bills, etc. Most of this info they should already have since they pay our taxes and insurance through our escrow account. Finally after around 48 days, I received a call from Teresa stating that the underwriters would only approve a 30-year mortgage with us paying two (2) points. The more I thought about this during the day the more upset I got.

We had applied for a 15-year fixed mortgage with no points at 4.375%. When I first spoke with Michael he gave me an estimate of what my monthly payment would be and my husband and I had no problem with that amount. Since our plan was to pay off our existing mortgage (with Chase) and another home equity loan and line of credit, the new amount would be less than what we are paying right now. My letter of explanation stated all of the above.

We have been married for 40 years in April. We both have fixed pensions so we will not be laid off. I also receive social security benefits and have a part-time job. My husband will also be receiving social security in about 4 months. So, we really don't understand this debt to income ratio issue. We feel that this has been a total come on by Chase. We receive offers daily from many mortgage companies. This is very insulting and frustrating. This has taken up so much of our time. We both have excellent credit ratings and have been paying our present mortgage to Chase for 7 years. Our home has gone up in value and we have a lot of equity in it. Why in the world would we want to get a 30-year mortgage when we only have 22 years left on our present mortgage? Our only wish was to consolidate our mortgage and our equity and pay it all off faster.

Then to top it off, last week at my office someone called and spoke with one of our managers. I don't know who it was but she asked questions that made it sound like I was being untruthful about my position. First of all she questioned when my manger left for vacation and when he would be back. Then also, why he did not use a typewriter? What was that all about?

Now Chase has charged my credit card for the application fee and they have decided (after over a month and a half of questions and the aggravation of sending all types of documents) that we are not qualified for a 15-year fixed rate. This is very upsetting. Again I feel that this is just a way of Chase getting our application money and that is it.

My wife and I have been trying to get a loan modification through Chase Home Finance since March 2009. We have a file that is almost 4 inches thick with paperwork, notes from every telephone conversation, and misinformation sent to us from Chase. On every occasion that we speak to a representative by phone, we are told that we are within the guidelines for the modification. We were told that it would be 30 days, then we were told 60 days, then 90 days. Sometimes, we made phone calls on a daily basis and we would get a different story from one day to the next. We have received 3 denial letters, and on all three occasions, we were denied for a different reason.

We filed a complaint with the OCC in November last year which triggered a phone call from a Chase Corporate Representative in February 2010. Her name is Wendy **. She advised us that she would now be handling our account since Chase had received notification of our complaint filed with the OCC. We told her that we were getting frustrated with always having to speak to a phone representative who would tell us that the underwriting department makes the decisions and no one is allowed to speak to the underwriting department. She then set up a telephone appointment with us so that she could be on the line and she would put us in touch with the underwriting department at Chase.

My husband and I kept our appointment as did Wendy **. She contacted the customer service department for the loan modifications with us on the phone, and she presented herself as a Chase corporate representative, gave all of her corporate identification information to the customer service representative, and she was told that no one can speak to the underwriting department, not even a manager from the corporate office. Approximately 2 weeks later, we received a denial letter from Chase.

The most recent letter they sent us stated that they could not offer us a loan modification since we are less than 60 days past due on payments. However, on every phone conversation we had with them, they told us that we had to be current to qualify for a modification. We have used almost $15,000 of our savings trying to stay in our home.

We have lived in our home for 14 years and have 15 year old twin boys who are in high school. I was self-employed until July 2007 when I was forced to shut my doors due to an economic downturn. My wife was a flight attendant with United Airlines and was forced into an early retirement due to an automobile accident that has left her with a permanent disability. While I am working full time, my income is less than half what it was when we obtained this mortgage in 2006, and due to the ongoing monthly struggle with multiple payments, we were forced to file for bankruptcy this year.

In addition, our home is only worth half the amount of our principal mortgage and our mortgage payment is going to adjust next year. We were told by a Chase representative that since we have filed bankruptcy, we should re-apply for a modification. We filled out all of the paperwork and faxed in a new application on June 3, 2010. We were told that we would be notified within 30 days; however, we contacted Chase on July 2, 2010 and were told that our paperwork was received and put into the system in June 4, 2010, but nothing has happened since that time. We have not received anything from the OCC to indicate that they have followed up on our complaint. If there is anything you can do we would greatly appreciate your help!

Chase sent me a letter in June 2009 stating that they were offering a loan modification program and that I qualified for. I called and spoke to the agent and he arranged for me to fax 42 pages of documentation and then put me on a special 3-month trial payment plan. The payments were higher than my normal mortgage but I agreed because I was going to get my interest rate reduced by at least two points that would in effect lower my monthly payment. I completed the trial payments and heard nothing from Chase. I called and called and I was told different stories every time, sometimes requesting more documents, sometimes saying I wasn't even in this program, but I was on a repayment program. I was not behind on my mortgage when I entered and I still am not behind.

Finally in March 2010, I was no longer permitted to make on-line payments for my mortgage and when I finally spoke to someone in the Collections Department, they told me that my modification was denied because I had too much equity. I was never sent anything in writing to verify this and they refused to allow me to make on-line payments until I sent a letter saying that I was not interested in loan modification any more.

I sent five letters and still nothing changes. I am dealing with rude customer service people telling me that I was not paying my mortgage, but I was and on time! They attempted to get me to pay $20 service fees to accept my payment for several months, but I argued for hours on the phone only to be hung up on and they refused to let me speak to supervisors or managers.

Only a few days ago while waiting once again on hold for hours with Chase, I stumbled on several web pages with hundreds of people with the same complaints. Well, I will admit that I was relieved to know it wasn't just me! I have struggled since my divorce in 2002 to keep my mortgage paid and my lawyer even had to take Chase to court when they failed to allow me to make partial payments or end me information on ways to avoid foreclosure. Needless to say, when my divorce was final, I paid my mortgage to current. I got behind again but always caught up payments. The last time was well over a year ago and I went on a payment plan.

When I finished the last payment, the next month they added $900 in late charges to my account. I disputed the charge since all late charges were paid in the repayment plan every time I had done this in the past. Chase stated that was not the case this time. I continued to refuse to pay the $900.

During the loan modification, I paid three higher payments which were supposed to also wipe out the $900 late charges, which never happened either. I am still fighting with Chase to change my name (I was remarried in 2007). I submitted all paperwork and fees and this was never done. Also, the house continues to be in my former husband's name, in spite of numerous letters from me and my attorney proving it was quit claim deemed to me in my divorce in 2002. I would love to sue them just for the hundreds of hours wasted in this loan modification process, numerous phone calls, letters and nothing changes. The hang up on you and outright lie when they are cornered. Can anything be done?

I was not able to lower my interest rate and wasted over a year and low-interest rates could have saved me thousands on my payment. I made three increased mortgage payments that were not applied to anything nor refunded when requested.

In or around May 2010, I submitted my complete modification packet to Chase, I was requesting help with a HELOC that is attached to my property as a second lien. The first mortgage has already been modified and completed through the HAMP Program. I was under the impression that if the first was modified by the HAMP program, then the second has to follow suit. On June 8, I contacted Chase and spoke with Julie **, she stated that my packet had been sent to underwriting and that I just had to wait to hear back from them in order to receive my new payment. Please keep in mind that I did not or still have not received any "3-month trial mode payment plan" like I had on the first.

A few days later, a Ms. Ugenia ** from Chase contacted me and stated that she was my "Relationship Manager" and informed me that I was 49 days past due and that if my account went past 60 days delinquent, it would be considered a "plan break". I asked her what the plan was. If there was a plan break then there had to be some plan in effect to begin with. She could not give me answer all. She kept saying is that if I wanted my modification to go through, I had to deal with her and make a payment in the full minimum amount. Obviously, I can afford the minimum amount. That is why I am requesting a modification. She insisted that I speak with collections and pay. After speaking with her, I immediately contacted Julie ** at Chase and told her what had occurred. She told me that Ms. Ugenia was probably working with the collections department and not to worry because my loan was already in underwriting but she was not 100% sure who Ms. Ugenia was.

Julie asked me for her full name and phone number along with her extension. Julie told me that she was going to speak with her supervisor and both of them would contact Ms. Ugenia and her supervisor since one entity is in Arizona and the other in Florida and find out what is going on. Julie contacted me the next day and told me that Ms. Ugenia was my relationship manager but she did not know why she was referring me to collections if my account was already in underwriting. Julie also told me that since my file was already in review there was nothing else to do but wait. A few days after that call, Ms. Ugenia called again and asked me why I haven't made any payments. I told her that I had spoke with Julie and she told me everything is in underwriting and all I needed to do was wait. She became very upset and said that I did not need to be speaking with Julie anymore! She was the one handling my case and again, if I wanted my modification, to go through it would have to be because she said so. I immediately contacted Julie again and asked her to please be honest with me and tell me what was going on.

Julie said that she used to handle second mortgage modifications. However, since my loan was a HELOC then it got transferred to the "2MP Team" which was in Florida and my relationship manager was Ugenia! I told Julie that Ugenia was basically holding my modification "hostage" unless I made a payment in the original amount that I am requesting help with! Julie did not answer right away but then responded and said that no she can't do that, that would be against the law and I told Julie, "Well, she is." Exactly one month later on 7/8/10, I contacted Chase to find out the status of my modification. I was told that my account was 69 days past due and my account had been "inactivated". I asked about my loan being in underwriting and they all said the same thing, "We don't know, sir. We need you to make a payment."

I did not know who to turn to,Ugenia so I contacted the people from HOPE and explained to them exactly what I stated above. They immediately transferred me to the escalation department and opened a file to assist me. On 7/8/10, a conference call was conducted with Ugenia (Chase), myself, and Debbie ** (HOPE). The call was conducted in order to figure out the status of my modification. Right from the start Ms. Ugenia took the defensive and tried every avenue not to have Debbie on the phone. She stated that my verbal authorization was not good enough. However, she would let it slid this time but next time I needed to send an authorization form. Ms. Ugenia then asked me a series of new "security questions" that I had never had to answer before. Once I answered those questions, she stated that she could not go any further into my account unless I gave her the specific dollar amount with change of my last payment, Debbie was speechless!

Lucky for me, I was able to log into my bank account and find the exact amount. After jumping through all her hoops Debbie asked Ugenia what was the status of my account and stated that it was "inactive" due to delinquency. I then asked if my modification was in underwriting and she could not give me a straight answer. She just kept telling me that I was delinquent and that I needed to make a payment in order to move along my modification process. (Sounds like extortion to me) Debbie explained to Ugenia that the federal guidelines regarding second liens or mortgages must follow suit if the first has been modified through the HAMP program in which in my case, it has. Finally, Debbie asked her "What does Mr. R have to do today in order to re-activate his status and move this process forward? "

Ugenia said that I needed to make a payment so she would transfer us to the collections department in order to make some type of payment arrangement. Debbie told Ugenia that she had never heard of collections arranging the 3-month trial modification. Collections is a separate department and they do not have anything to do with the modification process. Ms. Ugenia told us that they did. Debbie and I were transferred to the dollections department's call center located in Arizona and spoke with Boyd. Boyd stated that he was going to set me up with payments that I could afford on a regular basis as my modification was being reviewed. I agreed on the amount of $500 per month which would be due on the 9th of every month for 3 consecutive months.

In September, I would receive a finalized modification with a payment amount "slightly" higher than my initial trial payments but more affordable than the original. Boyd told us that this was considered a "STIP Mod" and that he would expedite this so I could move forward with the process. Boyd also instructed me that I could make these payments at a local Chase branch or via internet, or by phone. Boyd also asked me to fax over my entire packet once again, which I did, and that everything was under control. It seemed to good to be true because after countless hours on the phone with these people it was that easy. Debbie was also pleasantly surprised but I already knew the kind of people I was dealing with.

So today (7/9/10), I called the number that Boyd in Arizona had given me to make my first payment of $500 over the phone. However, I was somehow routed to a call center in Florida because the call center in Arizona was busy, keep in mind it's the same number. I spoke with Shaina, I told her I wanted to make a payment. She advised me that my account was 70 days past due and that the total minimum amount due was over $4,000. When told her that I had set up arrangements with Boyd in Arizona for $500, she said that she was not authorized to take that amount.

I had to pay at least the minimum amount for one month. It was like I was speaking in a foreign language to her because she had absolutely no clue of what I was taking about.It was a figment of mine and Debbie's imagination. Shaina was unable to help he and told me that I needed to speak with Ugenis as she was my relationship manager. Immediately after speaking with Shaina, I contacted the HOPE Hotline again and spoke with the escalation department, hoping to speak with Debbie because she new exactly what was going on from the day prior. I was unable to speak with Debbie so I had to explain the entire thing all over again to Shela **.

On 7/9/10, another conference call was conducted with a rep from Chase, Mrs. W. and myself. The conference call did nothing, the call got disconnected and I lost communication with Mrs. W. I continued to be transferred from rep to rep and department to department. All telling me the same thing, "Speak with Ugenia, She is your Relationship Manager in charge of your file." I was able to find out that my account had all of a sudden become "active" again when the day before it was "inactive". Ugenia works for the 2MP Team out of an office in Florida, I attempted to contact her with negative results, she was gone for the day. I spoke with another relationship manager who transferred me to Liz **.

She, however, was very nice and answered a lot of my questions. She told me that my account is currently in review and my account is active. However, she did recommend that I make a payment if I could in order to keep my account from being "charged out" because it is a home equity line of credit. I agreed and made a payment over the phone with Liz, she also stated that I should call in a few weeks and verify the status of my modification. I still am worried because I don't want Ugenia to take advantage of her position simply because we disagree. I know she works for the bank and her job pays her bills, I understand that. However, what I don't understand is why they play so many games with people's lives.

Moments after I spoke with Liz I located a "Chase Homeownership Center" in my area via the internet and spoke with Tammy. I explained to Tammy my entire situation and she told me that the bank cannot refuse the modification because it has to follow suit of the first as long as the first was modified under HAMP. Tammy told me to call back in two weeks and check up on my status.

This is ruining my life, I have other issues in my life of greater importance. This is simply unethical and immoral. It is making me physically sick with stress. I don't know who to turn to or who to report these people to.

We have been getting calls from Chase. I purposely answered this call to find out why they keep calling. They stated they were calling to collect a debt on our home! At this point I said, "What debt?" They were looking for our mortgage payment that is due July 1st and has a delinquent date when late fess are assessed of the 16th of any given month. Then she proceeds to try to make me make a payment with my bank account over the phone. I then again told her that I would make the payment in person by the 15th of the month as I always have planned. She then again tried to make me pay with my checking account over the phone.

With this I told her that this was harassment and that I will report them to the banking commission and others if this does not end. She tried one more time and I told her that I will make the payment my way by the 15th and that is the end of this phone call. With that I hung up on her. Since July 1, 2010 to today, July 9, 2010, they have called 8 times as per my caller ID. Heaven only knows what they are doing to our credit report let alone what they are trying to do to us through the phone calls! Please publish this for all that have Chase Mortgages. Try to find another lender! I wish I could!

Due to a 45+% reduction in self-employment income, we applied for Obama's Making Homes Affordable modification in December 2009. To date, July 2010, our modification is still in "review". Eight months later and we are getting nowhere. I call weekly for a status, only to get the same answer "it's in review". On June 14th, a Chase employee called us and I was told we have been approved. I was even given the new payment amount and interest rate, and was told that the documents were to be drafted and sent out. By the end of June, I called to inquire where the packet was --only to be told that the modification is still in "review".

On July 7, I actually got a call from the "negotiator" who is assigned to my modification, asking for further documents. I explained that we had already been told that we were approved and that all documents have been submitted (at least 3 times during the last 8 months!). I got placed on hold and after 15 minutes, she came back and said, "yes, our system does reflect that you were approved on June 11th. I don't understand why they need further documents. They probably told you you were approved in error. I will have to inquire and call you back". I had the illusion that the negotiator would be more competent than the 5,000 service reps I've spoken to over the past 8 months. I was wrong. She knew less. Do you think I've heard back from them? In the interim, I have sent them what they were requesting (again) but know that I am fighting a losing battle.

Chase is purposely stringing its customers along. Had they handled this modification in a timely manner, I wouldn't have had to empty my savings account or had to cash in my define benefit plan to make those payments. Where is the administration to monitor that the Making Homes Affordable Plan is being effectuated on a timely basis? Who forgot to put in the MHA program some kind of timeline that should be adhered to? By Chase's agreement to participate in this program, what are their responsibilities to their customers? They have and continue to act in complete and utter bad faith.

On June 5th, I received a letter taped to my door. I called the number on the letter on June 6th. I started calling at 12:00 noon Denver time. The first person who picked up the phone said, "I am placing you back in the queue". Then the call disconnected. The second and third calls were also disconnected after I put my loan number in the system. The 4th call was answered by Josh who placed me on hold at 12:27 pm and it disconnected at 12:29 pm. I called right back and was disconnected at 12:31pm. My 6th call was picked up by Hanna, but was also disconnected. On my 7th call Glen or Glime answered, he was helpful and showed me where to go to get the forms to fill out.

On July 6, 2010 I received a letter to connect with Chase. The following day, I received a certified letter which is the same letter I received the day before. I received the letter at 4:44 pm and began calling the phone number on the letter since the letter stated, "Please don't delay - call us now at 1-800-...". Joseph answered the phone and I informed him I was recording the call. He could not pull up any info by the loan number or my social security number because it was a WaMu loan so he would need to give me a different phone number to call.

I explained to him that the number I called was listed on the letter 5 times, and why would they send a letter out with a number that could not help me. I requested to speak to his supervisor because they needed to change the phone on the letter because it was very frustrating to receive a letter requesting me to call then get past around. His supervisor Cesar came on the phone and I informed him I was recording the call because of all the problems I was having. He gave me a different number to call, 1-866.

I requested that he have someone fix the problem with the phone number. I called the phone number Cesar gave me and it does not accept incoming calls. I called the number Joseph gave me and it routed me to Paulette, who I informed I was recording the call, who told me she could not help me because it was a WaMu loan and gave me another 1-800 number. I asked to speak to her supervisor because this was the 4th phone number I was given today and could not get anyone who could help me.

She put me on hold then came back and told me that number was not working and gave me the same number I just called. When I spoke to her supervisor, Ms. W., I told her I was recording the call and she said she would not be recorded and hung up the phone. I have the recording of the calls if this will help in anyway. I have no way of reaching anyone at Chase to try and make sure they know I am trying to work something out so I do not lose my home. Now what do I do?

We had been approved for a Chase refinance on our mortgage. All that was necessary was the appraisal to come in at over $300,000. I was told by Anthony ** that the loan would close and to contact Priscilla ** on a regular basis to finalize the loan. I was sent an email (the only correspondence) on June 16th and was informed by Ms. Priscilla that the appraisal was submitted and if the underwriter did not need any additional information, the refinance would be ready for signatures and be finalized. I waited two weeks for an answer from Anthony **, Priscilla **, and Patti ** and no one returned our phone calls.

This caused me a return of the $395 application fee.

I'm cleaning up credit card debts in preparation for the refinancing of my mortgage. I paid off my balance and was sent a letter stating that they lowered my credit line from $1,500 to $300, which has a negative impact on my credit score, which was exactly the opposite of what I was trying to accomplish. My lowered credit score will hurt my mortgage refinance terms.

Last year, I applied for a loan modification on my equity line through Chase. My loan was with WaMu. It was then taken over by Chase. I was asked to set a stack of paperwork by fax. All was sent. Then, after a month and a half, they then said the procedure had changed and more paperwork needs to be sent. The paperwork they asked for is the same as some of the stuff sent the first time. But I went ahead and faxed it anyway. After a week, I called and checked and they said they did not get it. So I faxed it again. Then, I checked right away. They still did not get it. Then I was told the fax number they gave methey did not know where it went or who ended up with it. Then, I was given another fax number. Same thing, except this fax number was disconnected. Then the third fax number seemed to be okay. But when I called to check back later, I was told they do not have the loan. It was in charge-off.

All this was done and the payments agreed upon were taken directly withdraw from my account. The original paperwork was the same. The things asked for the second and third times, but the first time they wanted years of tax information and other stuff. I would not have had to go through all of this if they would have used the paperwork sent the first time. This was a setup for failure and immoral practices. This has affected my credit score that was about 720 and now I have been turned over to collections for the entire amount and post foreclosure.

My loan was transferred from GMAC Mortgage in Feb 2010 after my loan modification was approved. Chase alleges they did not get the necessary documents from GMAC to continue with the loan modification. I have kept a continuing log on all conversations with Ms. ** and was promised in April everything would be finalized in 72 hours to 14 days and that she had everything she needed to send to her supervisor, Robin. I have tried to call everyday since April 7 and the phone at her extension just rings. She called me on June 17 and I gave her my financial information, she claimed that they had done nothing on my file, they had no paperwork from GMAC and they would do a modification and that sounded like I qualified.

On June 26, 2010 I received a letter stating that my loan was going to adjust and that I had to pay my taxes and insurance from Sept 2010 onwards. In the meantime they allege that I am $3300 behind in my payments, but I make the modification payment every month. They claim they do not have to follow the protocol with GMAC and the modification done with them. I am ready to join in any class action suit. They have done nothing but lie to the public and Obama is doing nothing to rectify this situation. In the meantime, my credit that I have worked so hard to keep good, is now not good.

My mother was contacted by Chase to enter a loan modification program that until approval for this program was to only pay $496 a month for her payment. This has been going on for a year since July. After a year of calling every month, making sure they had her documents, being reassured that they in fact did have her documents and they were just waiting on an underwriter, was informed that they had not received the documents they needed.

Because of this, she was declined and now owes them $4,000.00 or she will lose her home. Needless to say, since she had entered this program, she does not have $4,0000.00. She has paid $496 every single month on the day it was due, and was never late. She called every month to check her status and to make sure they had all the documents they needed and they assured her they did. My mother will be losing her home as soon as today if they decide. She is currently resending paper work to try and save her home.

I have been contacting Chase since January 2009 about a loan modification and have been given the run around. I will give you the most recent details as I could write a book on the rest. I was put on a forbearance plan in February 2010 in preparation for a loan modification, removed from the forbearance plan (in May) due to a computer error and then told I was on the wrong plan. I was told to re-submit paperwork again (4th time), told the case was being escalated and I would hear from someone in 5-7 business days, and told that again the following week, and the following week, told that again and again. As a result, I'm unable to pay the mortgage which is now past due for 60 days.

To Whom it may concern:

Please accept this letter as my FORMAL complaint regarding the handling of my Mortgage Loan by Chase Home Finance Company. This letter is intended to be a complaint as well as a request for IMMEDIATE INVESTIGATION AND RESOLUTION!!!

In July 2008, L. was subsequently terminated from employment as his job was no longer covered under the Family Medical Leave Act. Latif went through 3 surgeries and physical therapy in order to be able to return to gainful employment.

On March 25, 2009, we contacted Chase to notify them of my husbands employment and to reestablish our monthly payments. After taking down all of our financial information, our account was later assigned to Kelley S (Repayment Analyst) on April 13, 2009. Ms. S indicated that we met the qualifications of a loan modification plan.

Since we signed and completed the Forbearance Agreement, I immediately sent a letter to Chases legal representative, Ms. Dolores M. D. of Fein, Such, Kahn, & Shepard, P.C, requesting they resend the foreclosure summons and adhere to the written agreement dated April 28, 2009. This letter was dated May 20, 2009 and is enclosed for your review. Please note that I have never received a response. However, I did send a follow up letter dated June 17, 2009 directly to Ms. A. requesting a response. Again, I did not receive a response.

On 7/2/09, I spoke with Eric (Customer Serve Rep at Chase) who explained that as of May 12, 2009, the Foreclosure proceedings were postponed until the modification agreement was finalized. Eric also explained that our Modification Request was under review and that our case was assigned to Oscar Rivera (Underwriter).
Since I did not receive a response, I again called Chase on 7/16/09 and spoke with Keera (Chase Customer Service Rep), who indicated that our loan modification should be completed within 30 days and informed us to continue to make our monthly payments.

Since I did not receive response, I again called Chase on 8/3/09 and spoke with Christine H. (Chase Customer Service Rep) who indicated that the systems were down and explained that our Load Modification would be processed within 2 weeks and we should receive a packet in the mail. She also recommended that we continue to make our monthly payments of $2062.76 via Western Union.
Since I did not receive a response in the 2 weeks promised, I again called Chase on 8/27/09, and spoke with Adam (Chase Customer Service) who explained that he was not sure how long the process s would take and stated that it could take a few weeks. He also explained that we should continue to make our monthly payments regardless of the delay.

As I was uncomfortable with the advice provided by Adam and had lost all sense of trust with Chase, I again called n 9/3/09, and spoke with Michael and Theresa (Supervisor at Chase Customer Service) who explained that we needed to send 2 recent pay stubs, 2 bank statements, a copy of a Hardship letter explaining the reason for the default. She recommended this information be faxed to the Lost Mitigation Department. This information was faxed on 9/21/09.

On 11/4/09, I spoke to Maryline (Chase Customer Service) who explained that our application was with the underwriting department and the Modification request had been approved. She stated that we will receive a packet in the mail via overnight delivery. She also recommended we continue to make our monthly payments. This packet was never received.

On February 2, 2010, I spoke with Jeremy (Chase Customer Service Rep), who stated that the modification has been approved, but stated that the 4506T tax form needed to be filled out (even though this form was submitted 2x). He indicated that all financial documents are good for 60 days.
As I did not receive any written or verbal communication from Chase since the last that I CALLED, I again called chance on May 24, 2010, and spoke to Dakhuna (Chase Customer Service) who stated that she would submit this issue to her supervisor Rebecca R. who will try to look into this issue as the loan modification was approved in 12/09 and we should have received correspondence. She provided me with the name of my underwriter Martha M.. Dakhuna promised to call me by Friday May 28, 2010 with a status.

AT THIS TIME, I HAVE EXHAUSTED ALL OF MY OPTIONS WITH CHASE. I have been going back and forth with this company since March 2009. It is now June 2010. My husband and I have been doing exactly what they ask us to do for over a year and 2 months.

We intend to keep our property, and we will fight for whatever we need to do to keep it. My husband and I make decent money and have successful careers; we are not trying to walk away from our responsibility. I DO NOT FEEL IT IS RIGHT OR FAIR FOR THE MORTGAGE COMPANY TO STRING US ALONG FOR OVER A YEAR WITHOUT A RESOLVE. THIS APPEARS UNETHICAL AND DOWN RIGHT UNLAWFUL!!

Last but not least, since we were not under any type of mortgage contract for the entire year of 2009 (through no fault of our own), there was no payments applied to our mortgage interest. Therefore, we owe the IRS $2500 for 2009. I am requesting that we receive a separate check covering all interest paid in 2009 so that we can satisfy our unpaid taxes for 2009 that was a direct result of Chase not applying our interest to our taxes.

I would appreciate immediate review and investigation into this matter.

Chase purchased our loan from WAMU. When gas went up, two college students and additional expenses pulled us under. We missed a few payments. Went through modification, and actually got approved, HOWEVER, THE NEW PAYMENT ENDED UP ONLY

In May 2008 my husbands company went bankrupted. Our Mortgage holder at the time was WaMu. We tried to talk to Wamu at the time but until we missed a payment they wouldn't help us. In August 2008 we applied for a loan re-modification. Like everyone else WaMu would claim they were missing documents but didn't bother to call and tell us. We got further behind in our payments waiting to hear. My husband took another job making 1/2 of his salary. Jan of 2009 we received a letter that we would be assigned to a negotiator and they would contact us within 45 days. No one ever contacted us.

I called to speak to the "negotiator" and was told we were in foreclosure. I was never able to speak to someone who could help me. I spoke to people at the call center only who told me they would email the "negotiator" and they would call me back. I have a 3" binder full of documentation of every call I made and who I spoke to. I never spoke to the same person twice. We have been in and out of foreclosure with notices attached to our door with sales dates on them. To make a 2 year long story short, I submitted no less than 5 loan re-modification packets which include no less than tax returns for 2 years, bank statements for 2 months, pay check stubs. In December 2009 we received documents for a "3 month trial period". We are now into the 7 month of the "3 month trial period" and just received our loan re-modification terms.

This is the best part. This document is 5 pages long. It's very vague and doesn't include specific information at all. What it does make perfectly clear is that at any time we sale, refinance, or at the maturity of the loan, a balloon payment of $223,000 is due. Yes, at any time. So if we decide to sale in the next 2 years, they require that the principal be paid in full plus a balloon payment of $233,000. So, for our house that appraised, according to the drive by the bank did, for $420,000 they want us to pay over $653,000 at any point we refinance the loan or sale the property. Oh, and they gave us 7 business days to sign and return the documents or go into default. The cover page advises us to have our attorney review the documents.

What attorney has an appointment within 7 days? We went to a Chase to make sure that we were understanding this balloon payment thing and the representative couldn't believe what she was seeing. She advise us to call the 800 number on the loan documents. We have called. We were advised that the due date could not be change and we would need to speak to the under writer. We the under writer is busy and will call us back. Yes, you guessed right. We have not been called back. No one in their right mind would sign these documents.

I hope other people who receive "modification" actually read the loan terms before signing. If anyone is interested in a class action suit please include us. We will be at the front of the line. The past two years have been the worst of my life. I don't sleep. I'm on stomach medication to prevent an ulcer. We have half way packed up our house twice. My kids are stressed out with the thought of having to move which is ongoing for the past two year.

They call me again, they want me to sent the paperwork again. I sent this financial packet 4 times totalling 13.00 a packet. The are playing games and they alway say that they are the executive level. I told him politely that i'm not sending any more package to Chase. i don't have the money for all these fedx. He said ok and hung up.

Subject: 4th request and they still won't modify OUR/HER loan. Doris E. (mother) good credit score; and Doris S. (daughter) bad credit score) We applied for a 1st time loan on our property that had no Mortgage. We applied for a $63,000.00 Mortgage. We both signed the loan papers, about 25 pages. We received the check with both our names on it. We cash it, and made improvements on our jointly owned house. A year later, Doris S. got laid off; I have been trying for almost 2 years to get Chase to modify this 10.875% interest rate. We applied for this modification loan back in April 2009.

After sending everything that they needed to process the modification loan back in April 2009. In November 2009, they asked me again to send the same paper work. I sent the same material papers on two different occasions. Back in November 2009, They told me that I, Doris E. (mother) didn't live there) I said yes; I know that and the Loan Officer that was assigned to us for the loan also knew that I didn't live there and that's why they have a different address for me. I called them back around January 2010, they said send me a copy of the check that bared both our names, which I also sent a copy of that check back in April 2009. I asked my daughter to deal with them because she is the borrower too. She sent letters explaining her problems and gave them again all her financial information for a 3rd time.

Eventually they contact me on 3/16/10.They said the loan was made to me (mother) Doris E and because I didn't live there; I was denied. I immediately said that can't be. She was a borrow too, as well as me; Cause we both took turns signing the loan papers--page by page. On separate lines and chase consolidated her debt for pay off. They again said that I was denied the modification loan because, I, the mother didn't live in the house at South 59th Street. I said, the loan specialist knew that I didn't live at the house.

My daughter who was sitting right beside me, signing these papers, I told them that. They knew I lived in Brookhaven, Pa., because they said "where do you want the statement sent." I said send it to me at Bridgewater Road, Apt, Brookhaven, PA 19015. and that is the address that the statement comes to from the beginning. Chase Mortgage only objective was to get the loan. My daughter was a borrower too and she should be able to get a loan modification for her hardship as well. Now that she is laid off, they do not want to help her. She is receiving unemployment and it is hard for her to make the payments.

I copied all the loans paper that bared OUR names and they states: Doris E. and Doris S as Borrowers. My Daughter name is through-out the loan papers. Then he said, (Paul) Chase Representative, I don't see her signature on the paper work. I said, I don't see Chase either. I don't have a signed copy of the loan paper because the loan officer did the loan transaction at our house and didn't have a copier with him. $63,000 with a 10.875 % interest rate. Why wont you help her. That loan officer that came to our house knew that I didn't live there. She needs help -I need HELP or advice from someone who can help me get my daughter a lower interest rate. If she signed all those papes, and she had to sign the check. Why can't she have a hardship?

My Daughter has been unemployed for a over a year and desperately needs this modification to this loan --10.875%. As of 6/25 her unemployment compensation has stopped. Oh they gave her another 2 months as of 6/28. and Yes, she is looking for a job and she has been on interviews. And she doesn't have health insurance. Remember me...Stress, depression, no health coverage

chase home finance, these people will not work with at all on your morgage. I am making my morgage payments barely. I tried to get a modification but they turned it down. I pay by mail due to my pay periods. Instead of sending me a statement.they are saying that I am one month behind and they charging me late fees over 600.00 worth with out me knowing about it. They dont send me statement so I've been just sending my morgage payment. I asked them to send me a report on my payment history since I didnt know I was behind .I know they are collecting a debt but I also didnt know that my house would drop in value 14,000.00 in two years and I wouldnt receive a raise for 3years. chase home finance is aweful to work with. They will not work with you at all. I do have a job and working a partime also to make ends meet. and they are hitting my credit rating really hard. They said they would re-finance me but for only 20.00 less on my morgage payment it wasnt worth it. I have lived there for 2 1/2 years.

On 5/18/07, I was injured on my job at the Post Office. I have not been able to work since. I was placed on Workers Comp and began receiving about half of my normal monthly income. For 2-1/2 years, I continued to pay my mortgage on time, having exhausted my entire savings and borrowing from friends and family. In the beginning of December 2009, when I realized it was going to be difficult, if not impossible to continue to make my mortgage payments. I immediately contacted Chase Home Finance and explained my hardship to them. I was told that I should apply for a Home Modification Loan, which I did.

After several attempts over a period of weeks were made to Chase to find out the status of my application and no answers were given, I placed the house on the market on 1/5/10. I contacted Chase and advised them that I had placed the house on the market. Finally, after waiting approximately 3 months for an answer to my Loan application, on 3/5/10, I received notification that I did not qualify, even after originally being told by Chase that I did. After not getting any offers for the house for over 3 months,and falling further and further behind with my mortgage payments, I decided that a Short Sale might be in the best interest of all parties. I changed the Listing Contract to reflect the short sale and contacted Chase.

On 3/10/10, I received an offer from a prospective buyer who was willing to pay just below fair market value in cash. The offer was sent to Chase by my realtor. 3-1/2 months passed and it has become difficult, if not impossible to speak with the negotiator handling the paperwork. Finally on 6/24/10 Chase countered the offer with an amount of $102,566. No one can figure out where they got these numbers from and the negotiator can not be contacted. Everytime I call or the realtor calls, it goes right to her voicemail and she never returns the call. The buyer contract ends on 6/30/10. He has decided to pull out of the deal because of the length of time that has passed and the non cooperation by Chase Home Finance.

I wonder what would happen if all of these homes went into foreclosure? Is this why they(Chase) is afraid to give cunsumers the loans? Something is fishy here. Very stressed out at this point. I dont have the funds to start a payment plan.

Chase is holding back on completing loan modifiactions and not following through. I have completed evey single request which has been asked of me. I have waited over 15 months. I have made trial payments and numerous phone calls as follow ups. Today they tell me I have to start all over again. UNBELIEVABLE. I truly believe they are holding back from completing loan modifications. I am a working business woman and am trying desperately not to lose my home.

I have an acocunt in good standing with chase for my home loan. to simplify my payments I opted for the auto pay form my checking account. Let me be clear, ther eis no obvious way to confiorm wether this is set up correctly. in any case my laon was not paid on time for thge first time in june and I received a rude call on saturday June 26 from an individual claiming to be from Chase.

I was not about to give out my loan info to this person (who shold have known all my info to begin with, without me reiterating it). In any case I made my payment through online but my complaint is as folloows:

3. I had to pay a late fee and phone fee to process my payment even though this was their issue.

As an individual this bank tends to make you feel helpless. I am in good financial standing with plently of equity and I do not appreciet this approach in customer service (or lack there of). You simply shold not treat finanially responsable client in this fashion.

Since then I have been forced by chase home finace to purchase additional insurance for 94,000 that is more than the value of my home which was just appraised at $84,000 that includes the land value even though they said I only needed to cover the value of the structure which would be about $60,000 I questioned this issue during a conference call between my insurance broker and the service rep from chase. The customer rep became evasive and was unsure of exactly what insurance is required by chase. At this point I am double insured and over insured because of Chase Home Finance. This has caused me and my family undue financal hardship and may result in a default on this Loan of $25,000

i have been dealing with chase home finance since Nov05 during this five years we have our taxes notpayed late fees applied to our mortage payment when it wasnt late our escrow account has been short every year we have tryed thousands of times to get answers from chase of course we got no answers we have had our mortgage payments lost and never found or chase would put our payments in what they call a suspense fund account we we would contact them it would sometimes an hour or longer on the phone being bumped from department to another they would find our payment and charge another 42.80 late fee.

in august 07 our youngest son who was 7 yrs got very ill we where in the hospital with him for seventeen days wich caused financal problems we tryed to explain our situation to chase and all they would do for us is to add 250.00 extra to our mortgage payment untill we repayed our past due payments wich added up to more than we could pay we lost our son to cancer september16,07 we recieved a letter from chase demanding the two months past due payments plus the next month paymen well so we had to come up with3330.00 plus late fees with in 30 days or loose our home and land so we borrowed money from my sister to keep from loosing our home while dealing with the loosing our child. In november 07 i payed two mortgage payments so chase would leave us alone and let us deal with loosing our child and not be harrased by them .But jan1,08we get a call from chase stating that our mortage payment was late even tho our payments are due the first of the month needless to say they found our payment after argueing for anhour and a half the payment was in a suspense fund of course and they once again charged me with yet another late fee .

To make this 5 year horror story short we go to the lates problem june 09 we recieve another letter from chase stating our escrow was short once again (nothing new ) so we went to a chase bank to talk to a real person we payed our escrow shortgage amount plus our two months mortgage payments that they said where pass due our mortgage payment still went up . After srtuggling for7months i applied for the remodification laon in jan 2010 since then chase has stated that we have not payed our mortgage since feb so i contacted my loan ambassader regarding this matter he told me to start sending ourmortgage payements to GMAC he would contact chase and let them know we were going to pay our mortgage paymentsGMAC untill the remodification was completed. he would handle the matter of chase contueing harrassed us with daily phone calls ranging from 3 to 10 calls a day every day of the week counting sat and sun from 7 in the morning untill 9 at night.but that hasnt done anything. I have yet toget any informatoin regarding my remodification .

At this point i have continue recieve phone calls from chase and letters as well the lastest letter stating that chase has forclosed on my loan and that now our home and land will be sold august3,2010. I once again contacted my loan adviser and all he would tell me is that is was againest the law for a mortgage company toforeclouse on a loan when it is in a remodification proccess but i dont know if this is true or not. Now all i can do is wait and see if i loose my home and land .

in the same situation

I am a 71 year old living in Hill County, Texas. Both the city of Whitney and county of Hill allow senior adults to pay our property taxes in four equal payments through July of the following year. I have never been late on either of these schedules.

During the second quarter of 2010 I received a letter from Chase Mortgage that my property taxes had been reported by both the city and county tax offices as delinquent. In following up with these offices both denied ever having been contacted by Chase or reporting my taxes as delinquent. Both taxing entities (Hill County, Texas and Whitney ISD, Texas) faxed to them a statement that taxes were not delinquent. In a followup phone Chase I was informed that the notation had been made on my mortgage loan.

A few weeks ago I received another letter indicating deliquent taxes. This time both the Hill County Tax Office and I phoned to complain about this false information being processed by Chase. We were told that the fact that my taxes were not delinquent had been noted on my mortgage and that they were researching the cause of the error.
Since that time I have been informed of a forced escrow account and Chase has proceeded to make tax payments on my behalf that are not due forcing me to repay them. They have increased my loan payment by $500.00 monthly due to the forced escrow. Phone calls to property tax supervisors on two levels have not been returned.

Any assistance will be appreciated.

This loan modification process has been going on for 11+ months and never completed and actually they have recently denied the loan mod. A few people at Chase have said that I can reapply while others have said I can't reapply? Just prior to the Loan Mod process, I had just completed a Forebearance Repayment plan from Feb 2009 to July 2009 for 6 months and a 5000 down payment (with the help of my Father's Credit Card). That was because of getting behind in payments at the end of 2008.

Nearing the end of that repayment plan, I called up Chase to inquire about what my next step was - do I keep making the "arrearage payments? and some person on the phone at Chase stated that a Loan Mod would be the "best" thing for me. I agreed, not knowing much about the mortgage industry nor the consequences of this on my credit. Nor did anyone explain the consequences on my credit report for doing the Repayment plan - and how all of it would result in rolling late delinquent payments!!

Now my credit is even worse. At the end of that Repayment period, (August 2009) I didn't understand what that meant for my mortgage balance and payments. I could have paid extra towards my mortgage at that point as I was working (and still am), but nobody explained that to me - they just assumed that a loan mod was the best thing for me. I started the process and they kept telling me "keep making the trial payments - keep sending them in." At that point since I was in a repayment plan from 2/09 to 7/09 and making catch up payments for 2008, that meant that the mortgage payments for 2/09 to 7/09 WEREN'T GETTING PAID YET. No one explained that to me. I am just now figuring that out and am actually speaking to only a few competent people at Chase from time to time who actually informed me of the dangers and drawbacks of loan mods on my credit and they actually stated that they would have steered me clear of it if I could have avoided it.

Just 2 months ago, They denied my loan mod for "failure to provide documents" (which is so untrue as I've sent them many, many, many documents 100 times over). Frustating! But I hear so many other stories of others in similar situations. Then they make the stupid mistake of mailing the letter denying my loan mod - to the property address. The only thing is that I don't live at the property address, my tenant lives there! It is a rental (I'm living with my boyfriend to pay off debt). So the letter was returned to Chase. I never saw that letter ever.

A month later (after I assume that the loan mod is "almost complete"), the next thing I see is an Accelerated Foreclosure letter sent to my Mailing Address (where I actually live and they know I live there because they send my mortgage statements and other correspondence there) stating that I haven't made a payment in 15 months!! This is untrue as I have been making the advised montly "trial payments" based on their guidance. And before that the advised repayment arrearage payments. Only those payments are less than optimal and not a full payment - leading to delinquency!

Derogatory Credit Report with default, and delinquency = rolling lates, when I've been making monthly trial payments and also arrearage payments - as advised by Chase. And yet no one from Chase told me about the negative consequences of doing this loan mod. I likely didn't even need to do a loan mod as it could have been avoided.

SUMMARY: I am writing to explain my situation, outline the horrible and misleading experience I have had with J.P. Morgan Chase and the Making Home Affordable loan modification program, and my appeal to Chase to remove the negative marks they have placed on my credit report and Chase's internal files so that I can get re-financed. Chase dragged on for 13 months and ruined my credit for a decision that could have been made in 1 month.

I was laid off of my well paying job and out of desperation had to take a job that paid commission only which equated to much less than I had been making. The position was with a luxury retailer and the economy at that time unfortunately was not supporting that industry.
On April 15, 2009 I visited the Chase Bank branch at Wilshire and La Cienega in Los Angeles, CA to speak with a mortgage rep regarding refinancing my mortgage. I had an amazing credit score of 813. I had never been late or missed any payment ever! At that time all I wanted to do was take advantage of the new rates which were about 1% lower than when I bought my condo and originated the loan about 1 year prior.

The representative told me that I would be much better off taking advantage of the making home affordable program because the interest rate would be much lower. Per her suggestion I called the 800 number she gave me and spoke with a Chase representative in the Imminent Default Department. That rep told me that I qualified for the program based on the information I gave them and said that they would send a package of forms to fill out. I finally received the forms on May 15, 2009. I completed them and faxed them back with 50 pages of my financial information on May 21, 2009. I was very relieved to be eligible for the program and was looking forward to getting some relief from the stress that my mortgage was causing me.

Following is a list of dates that I called Chase to check the status of my re-mod and what I was told. 6/11/09 file has been assigned on 6/8, 6/25/09 file was assigned on 6/23, 7/7/09 no update, 7/13/09 told to call in 2 weeks and that the file would be completed in 8 weeks, 7/27/09 no update call back in 2 weeks, 8/10/09 was told that I needed to fill out an resubmit ALL of the forms and financials that I had already submitted on 5/21/09. 8/29/09 I re-faxed all of the requested forms and financials. 9/1/09 told that my file has been assigned and I would be contacted when any change happened. 9/14/09 no change, 9/28/09 has been assigned no change, 10/8/09 it's in underwriting and will be ready in two weeks, 10/22/09 no change still in underwriting, 11/5/09 no change still in underwriting, 11/12/09 approved for the trial period plan.

Trial period payment plan forms were sent to me received on 11/16/09. I promptly filled them out and returned them via FedEx on 11/18/09.

The first payment for the trial period was due for 12/2009. I called to make the payment on 11/30/09 and spoke with Sue. I expressed my concern to Sue that I had perfect credit and didn't want to mess it up by paying the trial payment amount which is less than my normal payment. Sue said that paying my normal payment would more than likely have a negative impact on getting the modification. In the trial payment guidelines that were sent to me it says that Chase will report delinquencies to the credit bureaus during the modification process, but once the modification was approved they will note that and remove the negatives from the credit reporting agencies' reports. With this information I decide to go ahead and make the trial payment in the amount that Chase told me to make.

I proceeded to make my monthly trial payments on time for Jan, Feb, Mar, Apr, and May 2010 which was a total of 6 trial payments.
On 3/129/10 I was on-line reading blogs about the Making Home Affordable program because at this point I was starting to get very concerned that I was being led on by Chase with no end in sight. As suggested on one blog I filed an official complaint with the OCC so that I could get Chase to get serious about my application. I also faxed 40 more pages of my updated financials as suggested by a phone rep at Chase.
As suspected, Chase finally noticed me once they received notice of my complaint from the OCC.

On 4/14/10 and 4/20/10 I received identical letters from Chase letting me know that they reviewing my file and will provide a complete and accurate response in a timely manner. Also, that they had assigned Analyst Nicole B. to my issue. On 4/21/10 I received a letter from Nicole B. stating that "in order for Chase to review my loan for a modification they will need updated financial documentation". Once again I faxed Chase the 40 pages of my financial information as requested on 4/21/10.

On 4/30/10 I received a letter from Freddie Mac informing me that my home was in danger of foreclosure because Chase has reported delinquent payments. This is false information of course because I made every payment on time and in the amount that Chase told me to pay. I immediately called and left messages for Nicole B. on 5/3/10, 5/4/10, and 5/5/10 to inform her of my concerns about the letter from Freddie Mac. On 5/5/10 she finally called back said that I shouldn't worry because foreclosure cannot happen while I am in the modification program.

On 5/11/10 I got a letter from Chase Fulfillment Center informing me that after researching my account (FOR 11 MONTHS) they have determined that I do not qualify for a modification through the Making Home Affordable program or any other programs at this time because the NPV (Net Present Value) results.

On 5/21/10 I received 3 identical letters from Chase's Homeownership Preservation Office informing me of "events" happening in my area where I can meet with a Chase representative in person to go over ways for me to stay in my home and avoid foreclosure. I immediately called Chase and paid my loan up to date which was $6662.94. I also called Customer Service and spoke with Been A. about getting the negative marks that Chase put on my credit report removed so that I could apply for refinancing (which is all I wanted to do in the first place). Per the recommendation of Chase agent Been A. who I spoke with 5/21/10 to request an amendment to my credit report I wrote the following letter and faxed it in.

"Chase has filed mortgage lates for Jan 2010, Feb 2010, Mar 2010, and April 2010. I need to have all of these negative marks removed from all 3 of the credit reporting agencies. The reason that I am entitled to this adjustment is as follows; On May 4th 2009 I visited the Chase branch on Wilshire Blvd in Los Angeles and spoke to the mortgage officer about refinancing my mortgage as the rates were at an all time low. At this time, I had absolutely perfect credit and had never been late on ANY payments including my mortgage. After some discussion about my situation, she recommended that I apply for the Making Home Affordable program rather than refinancing because it was free of charges and would be the lowest possible rate. I took her advice and made the call to the Imminent Default Dept. for Loan Modification. That department said that based on what I told them, I qualified for the MHA loan modification. They sent me a package of forms which I filled out and returned via fax with my financials (over 50 pages) on May 21, 2009.

"For the following 6 months I made weekly phone calls to check on the status only to be told that my file had been assigned to an underwriter. Finally in November I was told that I had been approved to start the trial payment portion of the modification process. I was sent more of the same forms as previously filled out to re-submit. I returned those forms on November 18, 2009. My first trial payment was due by 12/1/2009 for December's payment. I called on 11/30/2009 to make the payment by phone. I originally spoke to Earnest who transferred me to Shanaya who transferred me to Sue. I spoke to Sue regarding my options for payment and weather or not I should make the full payment or the trial payment amount.

"I was concerned because I had flawless credit and was worried that the trial payments would adversely affect my credit. Sue assured me that the trial payment amount should be made because paying the full amount could adversely affect the outcome of the modification decision. When I spoke to her about my perfect credit and my concerns about ruining it, she assured me that once the modification was approved Chase would remove the negative reports to the credit agencies and restore my rating. So, I went ahead and made my payment for the trial amount.

"What was supposed to be 3 trial payments turned in to 6. My frustration with the amount of time the mod process was taking led me to file a complaint wit the OCC. This resulted in a case worked being assigned to my case immediately. After about 5 weeks of conversations with Nicole B., Chase finally made the decision to deny me the modification. I received the denial letter at the beginning of this week. Today, I made a payment of $6662.94 to bring my mortgage current. I need the negatives removed from my credit report so that I can refinance my loan at the current rates which is all I wanted to do in the first place. Chase put me in this situation and I now need them to rectify their actions so that I can get back on track."

On 5/26/10 I tried to make my June payment on-line at Chase.com. The system would not allow me to make a payment and showed that the $6662.94 payment had yet to be applied to my loan (even though the funds had been removed from my checking account 5 days earlier). I called Customer Service and was told that they couldn't help me and that I would have to speak with the Imminent Default Dept. I was transferred, told that they would get the payment applied but that I had to speak with Customer Service to get the negative credit marks dealt with. Customer Service informed me that a letter with a response was on it's way.

On 5/27/10 I received a form letter from Micheile L. H.-I. denying my request to amend credit. I called Customer Service to get connected with Ms. Higgins-Ivory but was refused a contact number for her. On 5/28/10 I received 3 more identical letters from Chase's Homeownership Preservation Office informing me of "events" happening in my area where I can meet with a Chase representative in person to go over ways for me to stay in my home and avoid foreclosure. Also on 5/27/10 I received another letter from Chase Home Finance LLC notifying me of the denial of my modification due to the NPV being negative.

On 5/30/10 I made my full June payment on-line and it was applied on 6/2/10. On 6/2/10 I received a letter from Chase Fulfillment Center informing me that my "modification is at risk" and that I needed to immediately return the enclosed "Request for Transcript of Tax Return" I will return this form however I don't understand why it is being requested since I have already been denied a modification.

To wrap this up, I want you to know that I feel that I have been treated with NO RESPECT during this 13 month process. I have been led on for no reason and have basically been forced into the horrible situation of negative marks on my credit file. All I originally wanted was to refinance my loan. Now all I want is the same thing I asked for 13 months ago but was led astray by a Chase representative. I want Chase to remove the marks from my credit and refinance my loan to the current rates of 4.785%. My credit has been ruined leaving me without the ability to re-finance my loan.

We are writing this letter in regards to our Home Affordable Modification Trial Period Obama Plan situation and process. The process, originating with WAMU, now Chase Bank, has deteriorated into a complete disaster. We, as responsible participants in the process, have been mistreated, ignored, and utterly mishandled. We, for our part, have done everything the bank (and government) have asked of us and outlined for us, only to be told, at the end, that we no longer qualify. As a responsible taxpayer, voter, and citizen, we believe we've done our due diligence and worked hard to hold comply.We have our entire process, from beginning to end, documented.

A short history: My husband, Chester, was a partner in a development company, holding several partially developed subdivisions when the economy plummeted--we were hit hard, as many, many were. After depleting all assets in an honest, transparent attempt to keep up with our financial debts, we were forced to file for Chapter 7 protection--completely broke, we were left with no choice. A few months after our bankruptcy discharged, my husband secured a job out of town--working on the North Slope of Alaska. By that time, we were way behind on our mortgage payments, but we wanted to keep our home, primarily because our elderly, retired, fixed-income parents share our property with us, living in their manufactured home. They purchased the home with the entirety of their retirement funds and are living on our property under a Hardship permit, sharing our water, sewer, and electricity. Losing our home would not only displace us unfairly, it would leave my elderly parents--who have no savings to speak off--without a place to go. Both suffer from various health problems, and moving would prove most difficult for them.

We submitted our paper work under the new Obama plan and we began making Trial Period payments to WAMU/Chase on June 5, 2009. Over the course of the following year, we have several documented phone calls made to the bank re: our Loan Modification request--each phone call made was to ensure we had submitted all the proper, required information. We also asked if any additional information was needed. Again and again, we were assured the bank had everything it needed. We made all our required "Trial Period" payments on time; we submitted requested documentation with follow-up phone conversations; we were informed by the bank on May 3rd of this year: "we were approved with a modification date of 7/1/2010 and should be receiving a copy of the agreement soon." We have the phone call documented with contact person's name.

We then received a letter dated May 19, 2010, indicating the bank was unable to offer us a loan modification under the Making Home Affordable Modification program because, "we did not provide them with the documents requested." The problem is, we had. We contacted the bank yet again. We were told the missing documents for our file was a 4506T-EZ form. We, on several previous occasions, submitted a 4506T form in our repeated attempts to comply with the bank's request, not realizing there was an alleged difference between the two. The 4506T form was the original form in the original Modification packet, which we procured and downloaded from the bank's own website (at their behest), with the bank's name and address pre-printed at the beginning of the loan modification process. Each time any documentation was submitted, we followed up with a phone call to the bank to make sure documents were received and correct. Again, this is all documented. In those documented phone conversations, it was never clarified to us that the 4506T form was not the correct form and they needed a 4506T-EZ. We were only told that the document was requested again because: "it needed to have a more current date".

It was not until they denied us the Making Home Affordable modification that we were told that a new rule was implemented and the 4506T-EZ form was the correct form. No bank official ever contacted us to tell us about the change. No bank official shared this information with us during the many times we contacted them throughout the process. After several phone calls we were given a resource from the Department of Financial Institutions. They gave us a phone number for Chase Bank in Tukwila, a resource for Washington State homeowners having difficulties dealing with loan modification. We now have a contact person there, Karen R., who feels that we have complied with our Trial Period Plan and we should be considered for the original modification request.

Unfortunately Karen R. is a counselor and can only make recommendations. Our modification request has been closed, our June payment is in suspension and our file is now in Loss Mitigation with Chase Bank. Loss Mitigation is now actively trying to collect the amount in arrears which is well over $ 29,000. We received a phone call on June 9th from Chase Bank, Loss Mitigation. We attempted to explain to them we were working with a person in Tukwila but we were told by Dina in Loss Mitigation: "it is too late", "I am the new contact person," "nothing done in the past matters."

In her phone call to us, she attempted to collect the $ 29,000 plus debt. We explained we are unable to bring our loan current, so she proceeded to offer us a loan modification, but our new payment would be well above the original payment offered through the Home Modification Plan. We indicated we could not make a payment that high but the Trial Period payment we had been making over the last year is within our financial means. The bank representative in Loss Mitigation proceeded to tell us that she needs a New Request for Modification Agreement as well as current bank statements, paystubs and copy of 2009 Tax form.

In essence we are being asked to reapply and start the process over again. How can this be, when they already have all of our information and we've already gone through the entire process?
This situation is beyond stressful and frustrating. It is all-encompassing, burdening us beyond belief as this process has gone on for over a year. We are appalled that the bank is pretending we somehow made a mistake, when all along we played by every rule, and we adhered to every guideline. We, in a good faith effort, made every attempt to meet our responsibilities, and we believe we did. What good is a government program that doesn't help the people its supposed to protect? In talking with the Department of Financial Institutions, it seems our story could be a thousand others. Thank you for your time in reviewing this letter and we look forward to hearing back from you soon.

Again if we lose our home it will not only displace us but our elderly parents with health issues who are living on our property in their manufactured home under a hardship permit connected to our well and electricity. We have faithfully fullfilled all requirements from the bank for the Making Home Affordable Loan Modification implemented by the government only to be told we do not qualify due to a technicallity (although we submitted the document downloaded from the bank's website with the bank info pre-printed), and now being told to resubmit the documents again in a revised version which prolongs the finalizing of the loan modification and continues to put us further in arrears. They have offered a loan modification program that is higher in interest than the program originally applied for in June of 2009 which results in a higher house payment that we can not afford with an end result of losing the house.

I was having trouble paying my mortgage due to being laid off in January 2009. I went into a trial payment period starting in February '10 so that I could get a mortgage loan modification. According to my letter I was to make payments in February, March, and April. In May, I received the loan modification saying that it had been completed and that payments were to start July 1, 2010. I called Chase as soon as I received the letter (around May 13th) and asked a customer care representative if I needed to make a payment for May. The lady told me that since I had the papers for the modification, that I didn't need to make the payment. She said that I should start making the payment in July as specified, but to make sure I sign the agreement and send it back as soon as possible. I did so the same day.

I received a letter around June 10th stating that I was taken off the modification because I missed a payment for May. I contacted Chase to try to straighten this out at least 4 times in the past week. They said there is no one that can help me. There is no one I can complain to and that I would have to start the ENTIRE process over again meanwhile the fees and interest of course will keep being tacked on.

No one at Chase will help me. I have tried to contact managers to which I am told they are always busy. I have left messages for managers which say they will get back to me within 1 to 2 business days and now it has been over a week.

The representative I talked to last week(June 15th)said she could see the note where I was told I didn't have to make the payment. Then when I called today (June 22nd), the representative said he couldn't see anything saying that.

I then asked for a letter to at least say that I have been trying to work with Chase to straighten out my mortgage. I was told that it would take 30 days after they receive my new paperwork. I was then told they couldn't do it at all.

We paid off a home mortgage with Chase April 21, 2010. Yet Chase continued to automatically deduct from our checking account the monthly mortgage amounts for May and June. I have now placed a stop payment against Chase, but am having great difficulty getting all my money back from Chase. Contacting a Chase representative is a chore and while cordial, they have not demonstrated any ability to help beyond lip service even in a clear cut case as this.

No aid or help has been provided by Chase, no resolve on how I can just get the loan rewritten so I can continue to live here. I will go on SS in Dec which is fixed income by Government and that will qualify as income, as my unemployment doesn't. No one person at Chase has offered me a solution, and when I was employed, no resolve then either. This is now almost 1 year that I have been trying to get someone at Chase to help me, and now I am 6 months behind in my mortgage.

I need to resolve this before I loose my house. I can make lower payments, just need the loan rewritten.

In 1995 my husband and I signed a contract to purchase our $85,000 home at a fixed rate of 7.5%. After 15 years of dealing with Chase Manhattan Mortgage we've paid over $150,000 in payments and they are foreclosing on our loan for the 3rd time. I would like to become part of a class action lawsuit for all of us who have paid the asking price of our mortgage and a sufficent amount above that for interest. When I asked for a report of how my payments had been applied, I received a multi-page listing of 25, 3 letter initials/acronyms with small amounts posted in each account. I don't know what all this means but it sure isn't to our benefit.

Also, upon researching information regarding my title, I discovered that my property taxes were paid last year by the First American Bank in Dallas, Texas whom I've never even heard of. One year Chase made us pay $1200 a month. We have also made lump sum payments of $4,000 and $8,000 on two separate occasions. At present, they say we still owe them $70K.

Presently I have a law suit pending in the Federal Court of Orange County against Chase Mortgage. I would love for people to join me and make this a class action law suit. M case in Federal Court is against Chase for giving loans to people who could not afford the loan. I have lost all my credit and now I can't afford my monthly payment. If there is a lawyer who can help us, also contact.

To Whom It May Concern:

Let me begin by saying we need help.

In April 2009 we applied for a re-modification program through Chase after my company gave me a 25% pay cut in November 2008 and my husband had no business (he is in residential construction) after December 2008.

We tried everything to make our payments, even at the expense of defaulting on our credit card debt, but our mortgage was more important, we needed a house. In 2009 we lost $100,000 between my pay cut and my husband's loss of work which does not include 2007 and 2010 losses.

Once we started the process in April 2009, I had to wait 90-days before they would acknowledge my request because they said it was their policy. Then after the 90-days I called them again and was told I was denied because they never received papers that I sent with the original request.

We had to start all over. This happened for 12 months.

Then we had to go bankrupt but we kept the house in hopes of a re-modification. We needed to use one mortgage payment to pay for the bankruptcy fees and accountant and the second payment missed was because of my kids doctor's visits, prescriptions, food, electric and gas bills, day care costs for my husband's job search which had not proven fruitful among other costs while having only one income which was reduced 25%.

Finally after calling HOPE in March 2010 because we were getting nowhere with Chase, we started a trial period where they lowered our payment $100+ a month and told us that if we were approved the mortgage with be lowered either the $100 or more per month and the 2 months we were behind would get tacked onto the end of our mortgage. Ah, finally good news. So we thought.

We made all three payments on time per the requirements of the trial (April, May & June). After my last payment on June 1st we called Chase to find out we were denied.

We asked them why and they said by law they didn't have to tell us. We asked why Chase didn't notify us, their reply, you should have received a letter but if not you probably won't.

We received a letter but not the denial notice and instead a letter stating they want to start foreclosure on us because of the two (2) missed payments and since the three (3) month trial period (arranged by HOPE and Chase) where they dropped our rate $100+ a month one mortgage payment is sitting in a suspension account until we pay the difference including late fees and interest, so basically they want us to come up with about $6800 (2 months + $400 to release the 1 mortgage payment) plus late fees and interest immediately plus my next mortgage payment which is due July 1, 2010.

How can they do this? I don't understand. They agree to lowering the monthly rate for the trial period and now they used it against us by saying our mortgage payment was short the full fee and must remain in a suspension account -- which by the way doesn't gain interest for me but they can charge me late fees and interest on the missed payment that is sitting in their suspension account..

I purchased my house in August 2007, two months later my house lost almost $100k in value and the type of mortgage we did (100% financed with no documents on my husband) doesn't even exist anymore.

There are blogs with the same thing happening to so many others out there. I don't want them to give me my house for free, all I am asking is to give me the approved interest rate (5.5%) at the time I purchased if I did the regular 30-year conventional mortgage (my credit score was 830 at the time) instead of the 7% interest rate and to put the two past due payments on the end of my mortgage. I can't understand why they won't help; it would cost them more if I foreclosed.

At this time, low and behold, they have all the packet pieces and with your current situation, you do not qualify. At this point, you are denied the modification; and they add up all the fees they can possibly find and demand this huge payment; and slap you with foreclosure and proceed to steal the home ----because by then you are even further behind. Also during this period neither tax nor insurance are paid (if escrowed), thus making matters even worse. Not to mention the reduction in the temporary payment, in our case, less than $200 dollars is certainly no favor at all---just more of the same scam.

I also might add you never have one adviser. Instead, you are shuffled through many creating mass confusion, and even the contact phone numbers are shuffled continuously. This must be investigated, as I am quite sure we are not the only ones going through this very unethical and downright evil charade. In fact, there are already web sites trying to organize themselves, all with the same complaints concerning Chase. First it has been a living hell. They are going to auction our house . We put 20,000 down and all the improvements we have done are gone completely lost. This is a deliberate con scheme.

They cancelled the draw privileges on my home equity loan. They then had chutzpah to charge annual fee despite the aforementioned.

I applied for the loan modification program on Feb.6th, 2010. completed and provided any documents they asked of me. Called to follow up 8 times from Feb-June 2010. Not once was my phone calls returned. I was told that my application was turned down due to incomplete file. This is totally unacceptable. I know I fall under OBama laws and I know Chase bank just wants to eliminate people from benefiting from this program.

Chase says that I am behind in my mortgage and they going to foreclose. I have cancelled checks proving that I have paid every month. I have spoken to them hundreds of times (clerks) and they say they have no record of my paying. I am at mt wits end

$105000 and the property is worth less than my loan balance. I personally think that the way your company does business and doesn't allow any reasonable contact creates a situation leading to foreclosure. I have never written to any company before but I request a proper and timely response to my request. Also, is there anything that your company would do to avoid another foreclosure and how do you really value and service your clients.

I am completely dismayed by the lack of professionalism and customer service that you have not provided and how you create walls between your business and the clients you are paid to serve.

Tim J. from Chase called me at work. Says that we want to help you. Fannie Mae wants us to refi all there mortgages with us and since your a great costumer and never late and always on time, we would like to offer you an loan at a lower rate. 1 1/4 lower. I fought back, calling the Chase fraud dept. and they said he worked for us. So he email a guarantee "I did not print it out" That if I don't get the loan, my 395. would be returned. 6 pages latter, and a few faxes and the loan never happened. I feel they just wanted to spy on my house if there loan was upside down or not! They had a phony low ball appraisal that was 20% less than real value, lost over 150K equity value. Now I have no leverage at all, and they hold all the cards.

I received a refinance offer from Chase Mortgage as a preferred customer. They required a $750 loan application fee which they said $450 would go toward closing costs. They then told me I didn't qualify for a conventional mortgage and worked me into an FHA loan. The appraisor who was selected by Chase come out and made a list of items I would need to complete in order to close on the loan. He said I needed to scrape any chipping pain on the outside of my house and apply 2 coats of new paint.

This was in February, in NEBRASKA! He estimated the cost to be $250.00 for the entire job. I scraped and painted any loose paint and applied 2 coats of new paint. He then came back out and said he wanted 2 new coats of paint on all the facia and around the windows of my 2 story house. This paint was not chipping, it was just worn and faded. I could not do this work myself and was told this could be escrowed and done at a later time after closing when the weather was better. I needed an estimate for the paint job, which I promptly supplied to chase. I was told it had to go back to underwriters. Three weeks went by and I did not hear back from Chase after numberous emails and phone messages I left. Finally the week before my loan documents were set to expire, I received a message back on a Friday afternoon, that they would not escrow the paint job and I had to have it completed by Monday in order to have the appraisor give the final report.

I hired a painting crew and lift equipment over the weekend which cost $2000.00 and got the job done. I was told on monday that the appraisor was now out of town for the next 2 weeks and he is the only one who can do the final appraisal. I begged to have his parter who routinely will give final reports on his behalf, but Chase would not approve this even though she is an FHA approved appraisor. Basically my loan documents all expire and I have to start over. This has been the most stressful 4 months of my life. I think Chase just wanted the application fee and never intended to follow through with the refinance. They were the worst at communicating. I would not recommend any sort of business with Chase Mortgage!!!

After completing my application, I received a letter from Chase dated Msy 19th,2010 assuring me this is a worry-free and simple procedure. After billing the application fee of $750 to my Chase Credit Card ending in -8311, I waited and didn't hear from them so I began calling to see what the hold up was. This proved to be an exhausting and time consuming problem. I called often and was told my application was being processed. By October, I finally gave up and decided to increase my payments instead. It should never have taken that long to approve the loan as I have excellent credit and have several other accounts with them that prove my credit history of paying on time. I felt as though I had been scammed and should have had my $750 returned.

Subject: They won't modify OUR loan. Doris E. (mother) good credit score; and Doris S. (daughter) bad credit score) We applied for a 1st time loan on our property that had no Mortgage. We applied for a $63,000.00 Mortgage. We both signed the loan papers, about 25 pages. We received the check with both our names on it. We cash it, and made improvements on our jointly owned house. A year later, Doris S. got laid off; I have been trying for almost 2 years to get Chase to modify this 10.875% interest rate. We applied for this modification loan back in April 2009.

After sending everything that they needed to process the modification loan back in April 2009. In November 2009, they asked me again to send the same paper work. I sent the same material papers on two different occasions. Back in November 2009, They told me that I, Doris E. (mother) didn't live there) I said yes; I know that and the Loan Officer that was assigned to us for the loan also knew that I didn't live there and that's why they have a different address for me. I called them back around January 2010, they said send me a copy of the check that bared both our names, which I also sent a copy of that check back in April 2009. I asked my daughter to deal with them because she is co-borrower. She sent letters explaining her problems and gave them again all her financial information for a 3rd time.

Eventually they contact me on 3/16/10.They said the loan was made to me (mother) Doris E and because I didn't live there; I was denied.

I immediately said that can't be. She was a co-borrow as well as me; Cause we both took turns signing the loan papers--page by page. On separate lines and consolidated her debt for pay off.

They again said that I was denied the modification loan because, I, the mother didn't live in the house at South 59th Street. I said, the loan specialist knew that I didn't live at the house. My daughter who was sitting right beside me, signing these papers, I told them that my daughter lives here at 19., and that I live in Brookhaven, they knew I lived in Brookhaven, Pa., because they said "where do you want the statement sent." I said send it to me at Bridgewater Road, Brookhaven, PA 19015. and that is the address that the statement comes to from the beginning. Chase Mortgage only objective was to get the loan. My daughter was a co-borrow and she should be able to get a loan modification for her hardship as well.

Now that she is laid off, they do not want to help her. She is receiving unemployment and it is hard for her to make the payments. I copied all the loans paper that bared OUR names and they states: "Doris E. and Doris S as Borrowers". My Daughter name is through-out the loan papers. Then he said, (Paul) Chase Representative, I don't see her signature on the paper work. I said, I don't see Chase either. I don't have a signed copy of the loan paper because the loan officer did the loan transaction at our house and didn't have a copier with him. $63,000 with a 10.875 % interest rate. Why wont you help her. That loan officer that came to our house knew that I didn't live there. She needs help -I need HELP or advice from someone who can help me get my daughter a lower interest rate.

P.s. If she signed all those papes, and she had to sign the check. Why can't she get modification just as well. Stress, anxiety, financial burden of 10.875%. My Daughter has been unemployed for a year and desperately needs this modification to this loan--10.875%.

My husband, Melvin, and I were approved for a Trial Modification plan with Chase (formerly WaMu). We received our trial plan packet in August of 2009. Our plan consisted of 3 payments for Sept, Oct, and Nov in the the amount of $1,378.88. Our first payment was submitted with our signed paperwork on August 14, 2009. It was sent, via FedEx, to WaMu fulfillment services in Glendale, CO on August 17, 2009 at 11:02 am by H. Corl. This was our initial payment for Sept. We submitted the October payment on Sept. 24th.

We received a call on Oct. 18th stating that our first payment had not been received and that we were behind on our trial plan payments. I advised the rep. that we had made the 1st and 2nd payments on time and that we have the stubs from the cashiers checks to prove this. She asked that I fax her a copy of the stubs. I faxed the stubs to her (Kristi). We submitted our 3rd payment, via overnight FedEx, on Oct. 31st.

A few weeks later we received a letter stating that we were in danger of defaulting on our Trial Plan payments. I called Chase and explained the situation to them. The rep. told me that he would open an inquiry with the Cash Research Dept. to locate the lost payment. I assumed that it would not take long seeing as though our cashiers checks were purchased at a Chase Bank branch. We received a call in late January from a negotiator by the name of Cynthia D (x. 3821107) advising that she was trying to submit our file to the Underwriting Dept., but that she couldn't because we had not made all of the required Trial Plan payments. I again explained to Ms. D the situation. I advised her that a rep. was to have opened an inquiry with the Cash Research Dept. to locate the payment that Chase lost. She then advised me that she showed no evidence, in her file, of an inquiry ever being opened for our loan. She assisted us in opening the inquiry. We submitted all pertinent information; 3 check stubs, copies of bank statements proving that the funds were withdrawn from our account, and a letter of explanation. She kept in close contact with us for approx. a month and a half.

The last time we spoke to Ms. D was in mid March. She suggested that we submit a 4th payment in order to continue the modification process. We submitted the 4th payment on March 10th. After attempting to contact Ms. D on March 18th, we were advised that our 4th payment was being returned to us because they stated that we had defaulted on our agreement. I tried to contact Ms. D 4 more times via voice mail and by having other reps. send her emails, but never heard back from her. I called twice a week after this was told that I had not given them enough time for resolution. I called on April 2nd and was told AGAIN that they hadn't had enough time. I submitted a letter, via certified mail, on April 5th asking that someone contact us regarding our loan. The letter was signed for by R. M at 11:38 am on 4-5-10. I did not heard from anyone. I submitted a second packet on 6-1-10, including everything that I had faxed to Chase, documents that they sent to me, certified check stubs, bank statements and tracking slips from FedEx and USPS certified mail showing that we have made great effort in trying to prove that we did not default on our Trial Plan. The packet was received in Chase's office on 6-3-10.

I received a call today, 6-8-10, from a rep. by the name of Victoria stating that our file was reviewed and closed as of 6-3-10, the same day that they received my packet. She also stated that her supervisor, Marlin, reviewed the notes and could offer us no help. I asked to speak to Marlin 3 times and was told by Victoria that I could not speak to him. She told me "you should have stayed on top of the situation". I have been dealing with this situation since Oct. 2009. I have all documents to prove the same. If all of the documents that I submitted were properly reviewed, there is no way that they should have closed our file. I have copies of all check stubs, bank statements, documents, faxes, and names of reps. that I spoke to. Chase is showing no effort to locate the payment that was LOST in their office.

We hadn't planned on being in this situation, but had no choice once my husbands hours were reduced. We have four young children ages 7, 6, 5, and 3 and are trying to keep our home. Please help us!!

It has been more than 6 mounth I have been trying to refinance with no luck,our loan officer,however he is very nice and I think he is trying,but 6 mounth with the underwritter,all I been hearing either this week or next week.At one point it was on the final review,but nothing ever happen.We complained to the branch manager Constent,I don't think she sounded very happy,she was short and didn't seem to care on the phone I knew her words of encouragment were fake specailly the second time I spoke to her she didn't seem very happy,and that's too bad,with such a powerfull position in making a different in peopl's life,she should be happy to have a job in such rough economic time.

Just over two years ago, my family and I moved from Fayetteville, Arkansas back to our hometown of Bryant, Arkansas. Our house in Fayetteville has been on the market for about two and a half years, and we have had some activity, but not what we had hoped for. About a year and a half ago we accepted the fact that we were going to have to do a short sale on the house, and since then we have had multiple offers, but nothing has made it to the closing table, and that is why I'm writing you today. Although we have provided everything asked from us, Chase has given us the run around for the last year and a half.

Until earlier this week, we had an offer on the house, but Chase closed the file due to lack of sufficient documentation on our part, or so the letter said that we got in the mail Wednesday, but we have given them every bit of paperwork they have requested no less than three times! When our real estate agent FINALLY talked with the person at Chase who has been working on our file, they told our agent they had closed our file due to "government policy". Chase's incompetence is having a huge domino effect on many lives! My husband and I can't buy a house until we are out from under this one, the value of the houses around ours in Fayetteville is rapidly decreasing, and the people who want our house are putting their lives on hold and everyone is waiting on Chase. Certainly Chase can't WANT to hold onto this house, can they? They aren't receiving some kind of bailout money from the government on houses they can't sell, are they?

We have been doing everything Chase asks us to do over the last year and a half and now they don't have the decency to even return our phone calls. They have completely failed to work with us on such an important issue! No one will talk to us and give us a straight answer, and we desperately need your help. It's not just my family that is dealing with this; thousands of other families are going through the exact same thing. None of us know what to do. Please help my family see the light at the end of the tunnel.

Because of Chase's incompetance and lack of help in moving the short sale of our house forward, my husband and I are unable to purchase a house, the value of the houses around the house that we are trying to sell has diminished and that affects the enitre community, if not more. This issue has caused us much distress and anguish, not to mention stress that could have been avoided if our case worker had moved forward with getting the first deal closed - MONTHS AGO.

On 6/8/10 at appromaxetly 11:30 am or 12:00 noon, i placed a call to chase regarding my mortgage account. As usual i was transferred at least 3 times. I then reached the department of loss mediation in which i spoke to Lee. He was rude from the start. i could hear in the tone of his voice he was not eager to please or satisfy any of my needs. He was very distracted with handling some form of documents as i heard in the backfground as we spoke. i had to even repeat myself many times due to his distractions.

All i wanted was an explaination in regards to why my account appeared 4 months behind when indeed i have been making payments. his only response was "well you are just behind". he proceeded to tell me he could not look at my information that customer care had too. However, i informed him, i was just tranferred by them. i began to get impatient by his attitude and lack of respect while talking to me. he even sighed as i told him my frusterations. I asked for his supervisors phone number. he mentioned he would place me on hold. i knew then he was going to hang up on me. after being on hold for a few minutes, that is indeed what he did. he hung up on me.

chase took over my mortgage from countrywide without notifying me and i paid countrywide on time. a month later i received a letter from chase stating i was late and after much trouble of me sending statements from my bank i got a letter of apology from chase and that they sent a letter to correct my credit. that was in feb.2010' since then i have paid on time more than the min. on june 3 i got a call from chase stating i was one month behind on my payment and after an hour on the phone and more research another apology. today june 7th chase called once again stating i was one month behind on my mortgage. i am at the end of myself with these clowns and don't know where to turn.

My wife is the named mortgagee on our Arizona home which we've not been able to make payments on for several months. As her husband, I was given rights by my wife to contact Chase Mortgage as we have 2 children under 4 and it's been difficult for her to be on the phone for the long stretches of time required to get through and then talk to an agent at Chase. We have been trying to avoid foreclosure on this home for many months now.

We originally wanted to do a loan modification but that was not possible as I was self employed and business was not making any money due to the recession. I have been searching for an outside job for almost 2 years to no avail, but was finally employed as of last week.

Because we weren't "qualified" to modify our loan, we tried VERY hard to sell the property as a short sale working with 2 different brokers over several months and as a result got 5 offers to the bank. We then had to work very hard with the your short sale dept to get one accepted. You did not agree to the escrow terms and enforced your own deadlines. The buyer completely balked at that which rendered us useless and helpless to get anything done.

I have spent over a 100 hours on the phone with 25 different agents, supervisors and managers (names and dates listed below) even an attorney. I have sent dozens of emails. I feel I've been misinformed, misguided and bounced around from department to department and person to person and it's been a completely frustrating and unnerving experience. I'm a responsible home-owner who has had excellent credit up until now - please check our records and credit report. Yet I've been treated like an irresponsible, negligent person despite how hard and earnestly I have tried to work with you to limit both your and my losses and to resolve this to both our advantages.

As a last-ditch effort, I offered to pay to get our account back in good standing and to stop the foreclosure But no one is working to keep yet another property from becoming an REO. [Their] employees do not disclose last names or phone extensions so all I have is first names and this is an incomplete list of the people I have spoken to or written to over the course of the last 6+ months: Orlando 12/17/09, Isabelle 12/29/09, Patty 1/15/2010, Mr. H. 1/28/10, Jim 1/28/10, Norma 3/16/10, Robert 3/16/10, Michael. x. B. emails 3/17/10 onwards, Jason M. emails starting 3/18/10 onwards, Michael B. 3/17 thru 5/15 many time, Rishaunna 3/22, Frank 5/10, Donna, Jason P. 5/10, Anna 5/27, Vinnie 5/28, Symphony 6/1, Manuel 6/3, Mr. J. 6/3, Betty 6/3

There have been many others and the bank's call center records will most certainly bear that out. Mr. Jason P. indicated that he was with the "special services division" and could work out a "Stip to sale" (stipulated payment to sale) payment plan. I wanted this as a failsafe the buyer is taking a long time to close escrow. HE PROMISED to get back to me with the approval of the payment we negotiated. Of course he did not give me his phone number and I could not reach him directly but had to request a call center agent to send him an email requesting to call me. I had many emails sent to him and he did not respond to anyone of those requests over several days. All this time the negotiations were stopped waiting for his approval.

Then on labor day weekend he reverted the case back to the general call center staff with no explanation or cause. That leaves me 24 hours to resolve this with the call center's agents. Your agents have not even found the paperwork I have faxed in 3 different times. Finally bank agents are now refusing to take payments of any kind on this account to stop the foreclosure sale tomorrow.

I have been working harder than the bank to save the bank money and to stem their losses, I need answers now. I feel terrible that we haven't been able to pay this mortgage, I'm doing everything in my powers to stem the losses, but have only run into obstacles and sometimes extremely rude agents. This is a terrible example of a company who doesn't all seem to care about its customers, especially during a time of hardship for many people, including us. Will someone please contact me who can stop this and who will work with me. I will continue to contact the company at whatever levels necessary to let everyone there know what is happening to earnest customers who are doing their best to comply with all demands despite how they are being treated.

I was solicited by Chase rep to refinance. I paid $399 application fee and asked if fee would be refundable if loan could not be approved or provided under acceptable terms. Chase rep indicated by email that fee would be refunded. I subsequently recieved three good faith estimates, each containing terms different and more costly than what was represented during solicitation call unpon which I relied. Chase is not honoring its representation to refund fee and manager, Mr. S., will not return my emails. I did not sign any documents. I consider the solicitation to be a teaster offeer to induce me to pursue refinancing and collect up-front fees. $399 out of pocket, while unemployed and unable to take advantage of declining rates for a process that has lasted 3 months.

My problem is: if there is such a thing as "streamline refi" are the stipulations different than my being told that the only thing being is not ever having being late on your payments. Because these people stammered and stuttered, I question this. Is it because I am right and because the company is not making any money per se on this, they will not offer this option to me.

Requested a loan modification under my hardship (Disability). Applied submitting supporting documents since October 16, 2009. Based on periodic status checks, Chase loses documents, gives wrong fax numbers for submitting documents, telling me My documents are in review process following a letter days later requesting more documents and repeated documents. I contacted a supervisor at Chase in March 2010. She told me everything looked great and nothing else was needed, My application was in review.

Today 6/2/2010 I contacted Chase again to check status of the documents received. I am now being told that I was denied (no reason). I am very displeased with Chase having all my personal documents (medical info. tax statements, Divorce Decree, financial Statements proving my Hardship. I ahve depleated all my resources during the last 8 months of the review process. I am currently going on 2 months of non payment of mortgage. My disability/retirement income does not meet my monthly payments nor does it provide the basic needs for my family of 7.

Due to supporting documents I have provided Chase of my serious medical problem. I am seeking to file a class action suit for denial of the MHA program due to my permante medical Hardship and loss of my Federal job due to my medical disability. loss of my families home and all invested into it since date of purchase. Being denied MHA due to Hardship, based on current medical and loss of employment income and mental/emotional and physical stress Chase put me and my family through.

I have had the same experience that many other people have had with Chase Mortgage. Back in 2008 we were having financial difficulties due to starting a business 2 years earlier and the economy taking a nose-dive. I called Chase to inquire about modifying our mortgage and was told there was nothing that could be done because we were current but... if we were behind we could be considered for a loan modification. So, we stopped paying our mortgage. Chase then recommended we complete the paperwork for consideration of a loan modification.

We submitted the paperwork and about 4 months later we were denied. Chase stated we didn't quality for the Obama plan and we didn't qualify for Chase's modification because of our debt ratio - well imagine that? We then requested that 1) Chase lower our interest rate to the current rate; 2) add the past-due mortgage payments (several months of arrears in the thousands of dollars range) to the end of our mortgage and we would start making the payments; or 3) set up a repayment plan for the arrears. Chase's response - NO to all options. They would not do any of those options.

Now left with little options and are house set for Trustee's Sale in January 2010 we submitted our paperwork for a short sale along with the Listing Contract from our Realtor. The Trustee's Sale was postponed. 3 days after our house was on the market we received an offer. Escrow was opened in April so that the buyer could take advantage of the tax credit. Chase sent out their representative to conduct an Independent Broker Analysis. Chase countered on the offer submitted by the buyer, the buyer accepted the counter-offer and the Addendum to the Real Estate Contract was signed by Buyer and Sellers and escrow was set to close by 6/28/10 so the buyer could receive her tax credit. Chase then said they needed additional documents from me (Seller) because it thinks my business is making money and I'm hiding that. I submit all the documents requested by Chase that show my business lost more than $30,000 in 2009.

Now, today Chase advised me that they are declining the short sale because the buyer did not meet the minimum price set by the investor and because I'm not contributing any money towards closing costs - all this after Chase countered on the sale price! My options? Well our house is set to foreclose on 5/7/10 even though I have not received any written communication from Chase confirming same. Chase set me up to fail, now they are taking my home! I'm in this position because Chase told me to QUIT MAKING MY HOUSE PAYMENT! I would like any information available on a class action lawsuit. My house is going into foreclosure.

Thank you.

I was pre-aproved with Chase for a home loan. I met all the requirements they requested, I have a very good credit, 2 job and one of them for more than 5 years. The property I was going to buy had an appraisal late January 2010 and came out with a value of $90,000. Chase didn't want to take that appraisal so I had to pay $395 to have a new appraisal. The new value according to the latest appraisal was for $80,000. Chase told me I had to pay the difference or renegotiate with the owener and lower contract to $80,000. We all agreed and new contract would be for $80,000. Chase made me incurred in $350 expenses to get infomation from the Association.

When I was getting closer to the closing date, processor dissapeard from the company, endless calls and transferred to voice mails, no one returned my calls. Finally after calling all day long I found out my loan was denied, just because the underwriter didn't like the comparatives used in the appraisal, appraisal that was done by a certified FHA appraiser.

So basically they couldn't find any other reason to deny the loan, as I met all the requirements. value of the house dropped from first appraisal to second in $10,000 but still they didn't want to take into consideration this. It is like they knew in the first place I was not going to get the loan, but they took my money. They don't want to give me anything back because they always have the right fo denial. It was my worst experience with a bank, I was mentally exhausted for 3 months and they made me expend $750 that I can't get it back. Worst customer service, unbelievable that one has to spend his money to get that poor service if any.

Same as most of the stories. Firstly, I had my first and equity line with Chase. They suspended my equity line saying the property value dropped and I did not have the equity. I told them I had invested $100K in the property. They then told me the burden to prove value was on me. I then went to my credit union and got my equity line no problem. I then decided to refinance my loan. I too paid the $750 fee. Remember they held my first and second mortgage at one point.

They came back to me with an underwriting issue and refused to refinance. I told them I did not agree and wanted my $750 back. No response received. My credit score is close to 800 and I earn over $250K per year with no debt except home. No credit card balances. No car loans etc. and several hundred K in stock and 401K. I then went to my credit union, and had a new refinance mortgage within 45 days. I feel they literally stole $750 out of my pocket and prolonged my refinance option which cost me more $$ per month due to delay, and that extra $$ was paid to Chase.

I owned a home and had a first and second with Chase. Due to divorce and financial hardship, I had to sell the home. The home closed escrow in August 2009 as an accepted short sale. I won't even begin to share my experience with Chase during the short sale. That would be a book. However, I started receiving calls from Chase on 5/3/10 and 5/4/10 trying to collect a debt.

Chase received the short sales funds at close of escrow in August 2009. They have contacted me and notified me that I am 15 months past due on my mortgage. After 2 days of phone calls, they will acknowledge the short sale but will not fix their records in their system. I have all of the documentation from Chase--closing docs and my credit report showing balance paid ($0 balance). How do I get them to stop calling me and harassing me?

I called Chase to inquire to refinance our home. They ran our credit and said we had excellent credit and therefore they pre-approved us. They asked for $495.00 up front, for processing. I sent all documents as needed immediately. I even had an appraiser come out and appraised $60,000.00 over what we owed. We were asking for $20,000.00 out to pay off debt. I have called, emailed and called. My time is just as valuable as theirs, yet no call from anyone. I called this week. I was informed that two weeks ago, a letter was sent out. We never received the letter. The letter was to inform us we were not approved, this is after we received a letter stating we were "tentatively" approved. Our credit score is in the high 700's to 800. They said my debt ratio was high. I calculated our debt ratio, compared to stats and ours is good.

I will never do business with them again. When I am able to proceed forward, I will refinance and never do business with them again. They should have refunded the appraiser fee after they said we were approved. This is wrong. They are obligated to send me a letter stating why we were refused the loan. No letter to date.

I have been having a 2nd mortgage with Chase for over 5 years. I keep my loan paid up 3 months ahead. Only owe $15,888 on loan and less than $30,000 on my 1st mortgage. I have now received a letter from Chase stating that I need to increase my flood coverage to $250,000 after 5 years of only having to have enough coverage to pay off loans they are wanting to charge me over $1600 for additional coverage and my home is not appraised at this amount. I do not know how they can change their requirements on a 20 year loan that I have been having for 5 years and was originally required to only have enough insurance to cover both loans.

Here is a list and dates of what happened when my son's father died and our attempts to solve the problems. On 10-4-09, he died. Discovery was made 10-24. Authorities called and next of kin notified. USAF grants emergency leave for son. Creditors contacted by phone 10-26-09. Executor and lawyer set up 10-26-09. Change of address with Post Office directing all mail to executors address. 12-5-09, mortgage lender notified by mail to request payment arrangements, check was enclosed for two months payment (Nov. and Dec.) No response but check was cashed. Set up a property manager (PM) to find a renter for empty duplex, she applied her lock with contact information to the door. 1-3 We continued to checked for mail but found none.

Renter found another apartment. 1-8-10, a second check was sent by registered mail for Jan. payment, again requesting a coupon booklet and repeating executor contact information.

1-12 Call to Ask a Lawyer information given below. 1-12- call to PM who contacted the title company to check if property was in foreclosure or judgment, it was not. PM said we need vandalism and police report to document the damage. This was done. 1-13 to-18 documented damages and confirmed mortgage checks had cleared our bank. Chase admitted it was their representative who had applied the lock and drilled out our deadbolt because although all payments were current they had, deemed it vacant. Our PM had her lock with all information on the door but was not contacted prior to the new Chase lock being installed. Chase had no identifying marks or contact information on their lock. We did not know who or why it was placed on our door.

Weekly demands for reimbursement continue. Locksmith repaired damage to locks and placed occupied sign on the door. New Renter found and she began cleaning the mess left behind inspector. Plumber called again to reinstall water meter that the inspector left lying on the floor. 2-12 Request for help to resolve this matter from state of Montana, Division of Banking and Financial Institutions.

4-20 Call to Alpine Home Inspections by PM but received no answers. Email sent to ask a lawyer below:

The Executor should call the lender, and after confirming that they have the court documents proving authority to act on behalf of the estate, demand to know if it was they who performed the lock-out, and what the status of the loan is.

I wish you and your family the best. Thank you very much for having allowed me to assist you. It would be greatly appreciated if you would click the green Accept icon so that I can receive credit for having assisted you.

Damage to property=$1250

My husband applied for the modification loan program with Chase, for almost one year of sending all the documents that they were required, we finally got approved just on one loan, even after sending everything for both loans only one got approved. Why they will lie to us and make us pay the 3 months of trial fees for both loans and approved just one!

We never denied payment for the trial months, yes we were able to afford that! So what kind of help is that? After all, we tried to talk to any one in Chase and one knew what happened to that loan, finally we got a called from a collection agency notifying my husband that Chase has charge off the second loan and was sent to the collections agency and we need it to pay them 98K or else. What to do now? Not sure, Chase didn't do their job right and it is very upsetting to know that "The Obama Home Help" only works for the first mortgage, and now we need to find the way to get $98K to pay off the debt. Thank you for nothing Chase!

In April of 2009, I started the loan modification process to try and make my payment cheaper after months of calls and faxes I was finally told in August that I did not qualify that I made too much money ($32,000 a year). Then in March of 2010, I received my monthly statement and for no apparent reason, Chase had decided to increase my payments by $394.00 citing that due to the modification, my account would now be escrowed! I have always paid my own insurance and own taxes! Insurance is $600.00 per year and taxes about $1100.00. I called them and was told to fax copies of my receipts and that they would take the escrow off!

After 4 faxes, no one will admit to having ever receiving them, and now I am told that I owe $2800.00 to my escrow account. I have continued making payments. However, because I have only paid what is my actual mortgage, Chase is now reporting this as late to the credit bureau! It would be different if I was delinquent on these items, but I have not ever been! As per my original loan contract, I wish to continue to take care of taxes and insurance myself! I feel that this company is acting in a Gestapo fashion! Is this even legal! All I want is my loan returned to its normal amount!

I switched banks from Bank of America to PNC bank (I work in Pennsylvania) and missed one payment on my Chase Mortgage on my transition (long BofA horror story). I immediately, before it was 60 days called and made a payment in full for that month and the current month via phone. I then sent a boll-pay check from PNC bank within the Chase mortgage time period. They returned it two weeks after it was due saying they would only accept certified funds from me and that they would not deposit the check and by the way, I was late again.

I have spent hours on the phone trying to get them to remove both the late payment and the "certified funds" stop they have on it. The will now not even except payment over the phone from a debit card. I have been hospitalized for cancer surgery and cannot get to the bank. The customer service "technician" said I'd have to find a way before he put me on hold and hung up.

I literally do not know how to make a payment on this mortgage since Chase is refusing my funds. I would like to go back to the 10 years of current payments prior to this one-month lapse both in timeliness and in payment style since I have access to a computer.

In June of 2009, I received a letter from Chase about a modified payment plan to help lower my payments. Thinking this was a refinance offer, I called. They stated they could help me lower my payments and told me to pay $800.00 in July and don't make a payment in August because a loan processor would call to set up my payments. I made the payment, and at the end of August, I received a call from this processor who received financial information from me in order to complete the modification. He told me to pay $953.00 in September via Western Union. Don't make a payment in October, and then in November, my payments would go from $626.00 to $590.00. I paid the $953.00, skipped October, and made the November and December payments as directed. In January, my work did a credit check as we are required to maintain good credit. They told me that my credit was showing that I was 7 months past due on my mortgage and that if I didn't get it taken care of, I wouldn't have a job. I called Chase to inquire as to where my payments were that I had been making and they informed me that my payments were placed in a suspense account and not applied toward my account. I asked them why they didn't apply my payments, and they stated that under the modified payment plan, all payments are put in a suspense account until 6 months of payment have been made, and then it is moved over. I was never told this and was led to believe that my payments were being applied to my account.

In order to keep my job I had to pull my 401(k) out, pay penalties for early withdrawal, and pay the $5,137.00 Chase was showing I owed. However, it doesn't end there. When I checked my account online a couple of weeks later in order to make a payment, it showed I hadn't made a payment since June of 2009 and that now I owed $6,266.00. I called Chase to ask them where my payment was that I paid to make my account current and the man told me it showed my $5,137.00 dollar payment, but the modified payment center had a block on my account so that any payment I made went into the suspense account. He told me I needed to fax a letter to the modification center telling them I wanted to opt out of the plan and to advise me about the money in my suspense account. I faxed the letter and didn't hear from them. So after about 2 weeks, I checked my account and it was still showing that I owed $6,266.00. I called them again and they said they never received my fax so I faxed it again. Again, I checked my account about a week later and still it was showing I owed $6,266.00. I called them again and they told me they would move the money in my suspense account over. I asked if I could make my payment over the phone since I couldn't make it online and they told me they couldn't take my payment over the phone and to wait until the money was moved over and make my payment online. This same conversation occurred over and over again from January 2010 till now (April 2010), and still the money hasn't been moved over and they still haven't let me make my payment.

During the first week of April, I called and talked to a manager by the name of Bruno **, who not only would not let me explain what was going on, but yelled at me and when I yelled back, he threatened to end the conversation with me and that he was recording it. Finally, after some few choice words on both sides I was able to explain to him that I wanted my money moved over to my account, and he told me he would have it moved over within 48 hours. I asked him again if I could make March and April's payment since they wouldn't allow me to make March's payment last month. He told me no, to wait until the money was moved over, and make the payment online. Two days later, I checked the account and the money still had not been moved over so I called again. The girl on the phone told me it had not been processed and she would transfer me, then hung up on me when trying to transfer me. I immediately filed a complaint with the Better Business Bureau who gave Chase until April 20th to respond.

Today is April 30th and Chase has yet to respond to the BBB or to move my money over. On top of all this, they are tacking on late charges even though I have been trying to make payments and they won't let me. Now my credit is ruined because it shows I am 180 days past due even though I have been making every payment they have required me to make. I am looking to file a lawsuit against Chase for the money I paid that hasn't been applied, for the 401(k) money that I had to pull out because of their misrepresentation and misappropriation of my funds, and the penalties I had to pay and will pay for pulling it out early, and to have them clear my credit that they have ruined. If anyone knows of a good lawyer who would take this case and could take their payment from the settlement, please let me know. I lost a week's worth of wages, had to pay penalties on early withdrawal of my 401(k), plus I will have to pay tax penalties when I file my 2010 taxes, and my credit is ruined.

This letter is to notify Chase Mortgage of the situation I found myself in with regards to this loan. I have made numerous attempts over the past several years through letters, emails and phone calls in order to find some possible resolution to the situation which started at the inception of this loan. In 2005, we applied for a mortgage loan with Chase for the property at **. We went through all the processes and Chase as part of the mortgage loan process had a title search done for the property. We were approved for the 1st Mortgage loan and a closing agent provided by Chase came to our home to complete the formalities.

At that closing the following occurred; Chase's agent came with the loan documents and HUD Truth in Lending forms. The seller, my father , a licensed and registered Real Estate Broker in the State of Alabama was present. Myself and my wife, the buyers were present. The results of Chase's Title search showing no liens or other obligations pending against the property. Although this was to be a mortgage loan in mine and my wife's names and releasing my father, the seller from the loan, the loan paperwork still has him listed as, not only the seller, but as hold an obligation on the mortgage.

In 2007, my wife and I attempted to place the property on the market for sale. Within a month, my father advises me that there is indeed another Promissory Note in Advance of a mortgage against the property which he had taken prior to our loan with Chase. This made it and continues to make it so that we cannot sell the property and be able to acquire the monies to clear both these sums. This other Promissory Note in Advance of a Mortgage which my father had taken with Regions Bank in Enterprise, Alabama was not explained to us as being a mortgage and was not discovered by Chase's Title Company, Lawyers Title of Land America. I was not in the country at the time of my father's dealings with Regions bank and was never advised by him, Chase or Land America that it was a Mortgage.

6. At no point ever have I received any documentation with regards to Chase, Land America or Regions bank with regard to any of this matter.I do not see how it can be done that through errors by the parties in the lending process of all this, can now be heaped upon myself with no notification or solution without my input.

I have made every attempt to get some resolution to this and be able to sell the property for only what is outstanding on my original 1st Loan from Chase. As the realty market took its plunge in 2008 and with the lien now held on the property by Land America, we cannot and will not be able to do this. We have exhausted our savings in trying to keep the mortgage current and meet all the other cost of this property.We are now at the point that we can no longer do this. I therefore am advising all parties involved that we cannot and therefore will not be able to make these payments and that Chase, Land America can begin the steps to take possession of the property. House is being foreclosed on or I can pay for a deed in lieu of foreclosure, same thing

I took out my mortgage about July 2008. It was a 30-year fixed and my payments were $1260.60 per month. The company sells the mortgage to Chase and I have had nothing but problems. Less than a year later, my payments are raised to about $1330 per month. I can't and no one can explain the raise. Then I get a letter saying they took out house insurance since I didn't have any. I had chosen Progressive to begin with.

The first six month had been paid. Chase fails to pay the insurance, then charges me for expensive insurance? Now I open this month's statement to find my payments are now $1510.76. I did not sign up for a $300 increase in payments. The property value cannot be that different. I even pay some extra to escrow to help. What the heck is going on and why can't I find someone with answers?!

My wife became unemployed in November of 2009. I knew I was going to have a hard time paying my mortgage and asked Chase for help which they immediately told me I qualified for the MHA making homes affordable program to modify my loan. Since that date, I have diligently supplied all the paperwork required, to the point that when I call now, they tell me my loan is pending review even though it's past the 60 days they require to make a decision. It has now become clear that they are stalling and there is no intention to modify my loan.

I don't understand what Chase benefits from this if the government is willing to help Chase modify my loan and they won't take advantage of this situation. I wish I knew of a government entity that is willing to investigate this situation. I've already sent a complaint to the BBB but a real investigation needs to be done. Meanwhile, JP Morgan boasts a 55% increase in profits first quarter 2010? Thanks for using my taxes to help yourself profit unbelievably, Chase.

My home is in foreclosure. I recently got a PT job and resent a new packet into Loss Mitigation showing my income as they would not accept unemployment as income (which has now run out). I have done everything they have asked and they call me daily asking me to pay the loan which is in default along with enormous Attorney's fees for them sending me a few pieces of paper. Give me a break. I tell them it is in modification and one says, "oh I see that," and another says "no," I get a different answer every time. These people are incompetent and when they say it has been noted, where are they noting it?

I am totally stressed out and about to blow from the calls they make, sometimes 5 times a day. I am 61 years old and about to become homeless after I have worked all my life. I have no family to turn to as they have gone on before me except my 95 year old mother whom is in a home with Alzheimer's. What happened to my living the American Dream?

I applied for a home modification back on 6/1/09. I was put on a 3 month trial modification. After 3 months, I was put on another 3 month modification. Each time, they told me I was missing paperwork. I kept sending them everything they asked for (check stubs, forms, etc.). I never got a phone call back from anyone.

I have been on another trial modification and still no answers. It is now 4/26/10 and no answers. I know what is going to happen after seeing these letters, but I am still making my phone calls to Chase every week hoping I'll get good news. By the way, I got a letter back in Jan. 2010 saying that I was accepted for the permanent loan modification only to be told that I should not have received that letter.

Over the last 14 months, I have applied to have my loan modified because the amount owed on the mortgage is $138,700 and the value of the house is no more than $128,000 and the payment is unaffordable $1,516.35. The interest rate is also 8.813%. I've explained to them that I'm in financial hardship and my income will fall to $2,076.00 per month. With a mortgage of $1,535.65 per month, you can summarize that I'm getting very desperate for immediate assistance because Chase is not helping at all.

I made my monthly mortgage payment as I do every month. The payment was pulled from my checking account on Jan 22, 2010. In February, I went to make my February mortgage payment and it reflected my account was past due. I called and e-mailed Chase multiple times. I sent my bank statements 4 times proving the money way taken from my account my Chase.

It is now April 22, 2010, the last e-mail I received was 3-31-10 stating they had to review my information and would get back to me. I have since heard anything and in my account the amount of payment is locked for what they show as still being. I cannot change the dollar amount to make a payment. They will not accept a payment over the phone unless I pay their payment process fee.

My mortgage is now behind and it has horribly affected my credit. I am a single mom and cannot afford to have bad credit that I have worked so hard to have. I don't know what else to do, they respond, if at all the same way when I e-mail or call. My credit score has gone down several hundred points. I always had a score for 725-750.

I applied for a home mortgage modification through Chase Home Finance back in Feb of 2009, when my mortgage payment unexpectedly went up by $245/mo and I lost my job. Since that time, I've had to follow up with them several times for updates, at which time, I get general responses and timelines. One day, I called and the representative on the other end, she told me I need to re-submit my documents because the others had expired. I asked why and she said because they had not been worked and therefore expired and in order to process my application, I would need to submit all my documentation all over again. I complied and was told they would take 90 days to process and that I should follow up in a few weeks.

Well, a month later, I called and the representative said that it was being reviewed by someone in Loss Mitigation to be sent to a negotiator. I was transferred to the person responsible for reviewing my application and got a voice mail. Well, that's all I got for the next several weeks and never got a response.

I finally called the number on my statement, so I could just speak to someone and get some information. The rep said they had no documents on file for a previous application and would I like to proceed with an application. I said "I already did this and I don't want to submit this again." He informed me that, if I didn't want to apply for the modification and didn't pay, then they would proceed with foreclosure or I could arrange a short-sale. Of course I wanted neither, so I complied once again and waited.

After about a month of waiting and hearing nothing, I called and talked to a very nice woman who said I did not qualify for the "Making Home Affordable" program. I was very upset and asked her to explain why. When she explained the formula, how my figures met up with the requirements, and why I didn't qualify, I just conceded.

After a week had passed, I reviewed the figures the nice woman had given me and did the math myself, only to discover that I did qualify. I called Chase and demanded to speak to someone who knew what they were talking about. The rep I was speaking with, assured me she was competent. I explained the situation and she said again that my documents had expired and would need to re-submit them. She also explained all the programs I qualified for. I was mad but chose a program, that sounded like it fit our situation and re-submitted the documentation. I was told that I would be placed in a temporary program, in which I could make payments through official check of my original mortgage payment amount. Anything not paid once, it was finalized would be placed on the back of the mortgage.

After several weeks of not hearing anything, I decided to send a complaint to the Office of the Comptroller of Currency. Several weeks after that, I received a call from a Mary C., an executive at Chase Home Finance, and she said she'd received the complaint and was doing everything she could to help. After a month or so, she called me to say that I needed to submit the documents needed to process my application sometime in the next 90 days. I was so livid, I can't even express it. I rounded up all the documents and sent them in about 2 months later, after I had patched up some family issues.

I emailed Ms. C. about 2 weeks after I faxed the paperwork, and she emailed me back saying, she submitted the paperwork and would keep me in the loop. I emailed Ms. Collins 2 more times before today, with no response. So, I called Chase after I got a notice on my door, saying to contact the Homeowner's assistance department. I was told that my application was declined over 2 weeks ago because our income was not enough to cover expenses. I said "Are you kidding!? " That's why I'm applying for the program. Isn't this the reason for the program? I've submitted another complaint to the Office of the Comptroller and my Congressman. I would like some help with this issue and if I lose my house because of Chase's incompetence, I would consider pursuing legal action.

I filed for a home modification when I felt like I was having difficulty paying my mortgage. I was initially denied (although the only way I found out was calling several months later about another issue) because the company said I was current with my payments. I have applied again for a loan modification in April of 2009. It is now April of 2010. The process was held up because they kept telling me I was missing several items. Although very frustrated, I continued to fax to them everything required of me. Finally in February 2010, my paperwork has been submitted to the underwriters.

I am now three months behind in my mortgage payments and still waiting for an answer. The representatives are not rude, just uninformed and not very helpful. I don't want to walk away from my home, however, after coming across the site and reading the many complaints against Chase, I don't know whether to just walk away from my home. I don't have a lot of money and have been contemplating if I should withdraw from a supplemental retirement account that I have through work. I am really scared to give Chase this money and have one of the similar accounts that I have been reading about happened to me.

So right now, I don't know whether to take that money and start over (renting) or take a chance with Chase. In any event, I have to send paperwork and a letter along with documentation proving hardship just to be able to get that money. It's very possible that I may not be able to get that money and if I receive it, I will be penalized and taxed on it. So if there is someone who can help, please do. I may not be eligible for the loan modification but a year and counting is a long time to have to wait for any answer.

Chase Home Finance sent me a letter telling me they were stopping my automatic monthly mortgage payment immediately due to a bankruptcy and if I wanted to remain on the auto pay, I needed to contact them. I did not contact them and mailed my next mortgage payment. They also took out a mortgage payment automatically. When I contacted them by phone they said I never should have received the letter, they would refund the extra payment and that I should send a letter requesting refund and my bank statements so they could review them and make a determination.

I did that and received a letter saying they would not reimburse me the overdraft charges because I was supposed to stop the payment, even though their letter said otherwise. I appealed the decision and received a letter from Larry ***, VP Customer Service, in November 2009 stating he was looking into the matter and would send me a timely response. To date, although I have sent two more letters, I have received no response to this matter. The overcharges at my bank account totals $198.00.

We recently went through a short sale on our home with Chase. In short, the process took eight months to finally finish. Mistake after mistake was made by each person involved in this process. Our first buyer backed out after seven months of this mess. We immediately submitted with a new buyer and they again tried to stretch this process out. But we were able to convince them to push this process through before we lost this buyer also.

Chase submitted to our credit agency that our home went into foreclosure. Then, they submitted that we had a deed in lieu/bank liquidation and during this period checked our credit--creating two "hard inquiries" on our report. None of this information is correct and after numerous calls by my husband and I, we are not able to get anyone to fix these mistakes.

We were given Eufemio's name and number at the bank. We have left him a message each day over the past week and he refuses to return our call. We were told he was the supervisor of our closing process. We are pleading for simply an update or a call back to tell us if he is doing anything or plans to do anything about this. We have asked to talk to supervisors, managers, anyone and we just keep getting transferred from one department to another.

My loan modification was approved and finalized on December of 2009. My first payment after the modification was approved was scheduled to be made commencing on January 1, 2010 and I did make the payment on a timely basis. On February 1, 2010, I went back to Chase.com to make my February mortgage payment and I couldn't do it online. I called the Customer Care at (877) and spoke with Ms. Parker (Chase's employees refuse to give out a complete first and last name and/or ID number. They always tell you their last name or first name only and the department they work from. In this case, it was the customer service/care department. The biggest problem is when you call back again, nobody knows who that person you just spoke with is.

Another big issue is that every single person/employee you speak with tells you they're making a note on your account and again, when you call back, nobody knows the person and even worse, there are no notes whatsoever about the conversation you had with them. I explained to her that I was trying to make my February payment and it was not taking the payment online and asked if I need it to do it through Western Union, which was the method I was told to use to make my payments during the loan modification process, again or what was going on. I also noted that under the payment due date on my mortgage account online stated that the next payment due date was June 1, 2010, which I totally ignored because that was impossible.

Ms. Parker indicated to me that she was going to put me on a brief hold while she checks my account. She came back to the line and told me that I was not due until June 1, 2010 based on a refund from the Hazard Insurance and the amount I was paying before the loan modification was finalized and approved, which was greater than the amount I am paying now. I was not happy with the answer because it did not make sense to me at all. On February 4, 2010, I called Chase again and spoke with Eddie (again, no last name) and I informed him that I was trying to make a payment online and I was having a problem with it and requested if he could look into the account and find out what's going on.

He put me on a brief hold and came back with the exact same information that Ms. Parker provided to me on February 1, 2010. I asked Eddie if I could have a letter for my record only confirming my conversation with him and he stated that he could not give me a letter, but that a Mortgage Loan Statement was going out on 02/04/10 or was probably sent out already, but he was able to see it on the system and that statement depicted the due date of 06/01/10. On February 9, 2010, I received the statement that Eddie has mentioned I'll be receiving and in fact, had a due date of 06/01/10. I called Chase again and I spoke with Gail in the Customer Service/Care Department and I told her once again, without specifying that I had talked to two (2) previous employees that I was not able to make my February mortgage payment. She put me on hold and came back with the exact same information and without me telling her that I had received the statement, she informed me that a statement had gone out and that I should have it by now or I should shortly.

That's when I told her that I did have it with me as I was talking to her, but that I didn't understand why was that happening and she told me not to worry because I was paid from 02/01/10 through 05/01/10 and my next payment was due on 06/01/10. She even made a joke and stated that she had never heard a customer being so worry about wanting to make a payment and the customer couldn't make such payment. I told her that I did not want any problems and wanted to make sure everything she stated and what the statement dated 02/04/10 reflected was correct and had accurate information. I felt better having the Mortgage Loan Statement dated 02/04/10 showing what those three (3) employees have previously informed and confirmed it with the said statement.

I didn't get a statement for the payments due on February or March, which led me to believe that everything was correct and they were right, I had no payments due until 06/01/10. On March 26, 2010, I received a Mortgage Loan Statement dated March 22, 2010 stating a payment due date of 02/01/10 in the amount of $6,012.69 and included late fees in the amount of $78.63 for failure to make the February and March mortgage payments. I was devastated and so confused about such statement. On March 29, 2010, I called Chase at 800 once again and spoke with a person named Jesse at extension ** who I asked to please review my account and told him that there was a mistake on the recent statement I received indicating that my account was past due and was showing a due date of 02/01/10 where in fact my payment was not due until 06/01/10. He put me on a brief hold and came back to tell me that in fact there was a mistake (I was very happy to hear that short statement), but on my part because the payment was due on February 1, 2010 and I failed to make that payment as well as the March payment and as such my account was now in collection.

I explained to him the entire conversations that took place with those three (3) previous employees and he said that he couldn't tell me why they said and/or gave me that information when what he sees on my account was totally the opposite. I was very upset and crying and honest to God, I could not believe what Jesse had told me. I waited and called Chase back on 03/30/10 and spoke with Richard at extension ** hoping to hear something different than what Jesse had told me, but Richard confirmed once again what Jesse had told me on 03/29/10. He made it even worse and told me that if I did not make the February, March and at this time, the April payment, I was going to be due in two (2) days that I was going to be in default and Chase would start foreclosure.

Not sure and familiar with these procedures, I started begging for help because based on the information I was provided by three (3) different employees on three (3) different dates, I did not make the February and March payments and now I had to also come up with the April payment and he basically told me that there was nothing he could do other than take the payment over the phone if I wanted to prevent foreclosure. I asked for a payment plan and/or to see if it was possible to put the February and March payment towards the end of the loan or whatever he could help me with because I did not have the money to pay for three (3) months he was stating I was behind. I also explained to him that those employees misled me with the information they provided to me. He indicated to me that was a mistake on their part and that they shouldn't have given me that information and he apologized for any inconvenience and said that it was a mistake on their part and that he was very happy to take the payment over the phone and was the only help he could give me at that moment.

Once again, I explained and begged him to help me out since it was a mistake on their part and he told me that he wasn't sure that that was what really went on and/or if that was what Chase's employees communicated to me. I was more frustrated and said to him that I understood he didn't believe me, but I questioned him about the Mortgage Loan Statement I had with me dated 02/04/10 indicating that my payment was not due until 06/01/10 to please explain what was that. He went ahead and he said that once again, he couldn't explain to me why I had that statement wherein there was no record of that statement ever going out and/or mailed out, that he didn't have it on the system. The only statement he showed/had on the system was the one dated 03/22/10 wherein I was informed that I was past due for two (2) months and as such, I needed to bring my account current to avoid any foreclosures.

It is very unfortunate for customers like me who are at Chase's mercy and cannot do anything about this miscommunications and/or mistakes just because they are the bank and they are allowed to do this and/or conduct their business in this form. As such, we have to pay for their mistakes at our own cost. There is got to be something we, the customers, must be able to do to stop Chase from abusing people in this way and so many other ways they are abusing people with their misinformation. I understand that if it is a mistake they made and I was misled by their own employees and by a Mortgage Loan Statement that they sent, Chase could very well work with me and try to resolve this issue without the threat of foreclosing on my property. It gets better. On April 7, 2010, I received a letter dated 04/02/10 informing me that I am in default and that this letter is a "Notice of Intent to Foreclosure" and I have thirty two (32) days from 04/02/10 to cure the default and I must pay the total amount due in order to cure this default or Chase will proceed with the foreclosure.

It is very hard to believe that there is not one single thing that can be done to prevent Chase from doing and/or conducting business this way. If they do not have the proper employees who know exactly what they are doing and are providing the wrong information to the customers, why should the customers have to pay the consequences? I hope that this issue makes it to someone that really cares about how some of these banks (specially Chase who I heard from different people/sources of how they are in a bad situation due to Chase's wrong doing) are running their business and I pray to God that someone can stop them from doing this to people. I might lose my house and it is so unfair that because I was misled by Chase's employees and not only that, but a statement confirming what those three (3) employees have told me, I could have made those payments on time when they were due.

Now, it is very difficult to come up with three (3) full payments all at once since I invested the money in my kitchen that due to the rain, there was mold on the walls and my six (6) year old daughter was getting sick a lot and the doctor told me that it was due to the mold and could harm her pretty bad. Since I did not have to make my mortgage payments, I had a contractor remove those walls and used the money to fix that problem. It's not like I went on a vacation to the Bahamas and that's why I cannot make those payments. The money was well invested and have the invoices to prove it. I have enough evidence (i.e., doctor's letter/reports) to show/proof that what I am stating here is the truth and nothing but the truth. I do not have the money to come up with three months' worth of payments to prevent me from losing my house and/or foreclosure. I'm stressed and suffered emotional distress, all as a result of Chase's conduct.

In 2008, we anticipated that our three ARM on our mortgage would be up and understood that the increase would be substantial. Our first line of defense was to attempt to secure a refinance with another company. We applied for a refinance with a local company (American Equity Mortgage) who indicated we had credit issues, mainly from a missed mortgage payment in June of 2007 which would take until August of 2008 to be removed from our report. And we were advised to clean up any miscellaneous items on the report prior to the refinance to get the best possible rate. We were already late on our 2007 property taxes and were told to use the money we had set aside for the taxes to pay down the items on our credit report, indicating that the refinance would cover the cost of the 2007 taxes and the upcoming 2008 taxes.

We did as we were advised. The housing market crashed soon after and we were not able to refinance our home, nor pay the property taxes which were past due. While our mortgage company, of its own accord, did freeze our interest rate, and not increase as they first indicated they would, this did not help our property tax concern. We contacted Chase to work with them on the solution and were told the best we could do was to pay the 2007 taxes as soon as possible or they would. And we would then be responsible for an escrow account on our mortgage. We received our income tax return and immediately applied the money to the past due taxes (which was our method for property tax payments).

Unfortunately, Chase made the 2007 and 2008 payment, throwing our account into a repayment schedule which was beyond our means. It took months to sort out the overpayment issue and once the extra payment was applied back to the account, the payment was still out of our reach as Chase then began to escrow for the current taxes as well. We applied for a shortage spread for the 2008 taxes and it was granted and applied over a 60-month period. The 2009 taxes were still being applied and our payment which then went from $1,170 to over $1,600 a month. We were unable to pay. We were granted opportunities to make our principal payments without escrow until a modification could be secured.

We participated in the trail plan from August 2009 until February of 2010 when the paperwork was completed, indicating that the modification was approved first lowering our interest rate from 7.25% to 6.0%. At first, I was grateful for the decrease until after going through all the paperwork I realized it also raised our principal balance from $157,457.27, with an escrow balance of $8,402.22 (totaling $165,859.49) to a new principal balance of $176,965.06, a discrepancy of $11,105.57.

On February 12th, 2010, I questioned Chase Modification Department on what that extra money was for and was told they didn't know, and asked that I fax in the paperwork to show them the terms. I indicated that the paperwork was due into the office by the 18th of February and they said they would have the answer to me before the deadline so I could still get it in during the specified time frame.

I received notification on February 18th that the increase was due to the money lost from lowering the rate from 7.25% to 6.00% and the past due amounts (from not paying the escrow and any penalties which had accrued). I was told Chase wasn't going to eat the cost of the modification. The modification payments are listed as $1,585.27 a month. Without the modification, the payment including escrow is $1,603.09, a savings of $17.82 a month. If we accept the terms of the modification, we assume responsibility for the extra $11,105.57 Chase would be having me pay them for the modification, or lose my home. Because if the terms aren't agreed upon, then I owe $2,695.01 for past due payments this year and would owe the additional $1,603.09 on March 1st.

We opted out of the modification process and used our taxes to pay for the past due amount as well as of the March payment. When we attempted to make the remaining payment of the March mortgage payment, we were denied, being informed that due to the modification process not going through, it would take a month to remove the hold on my mortgage account. I mailed the payment (because I had no other option) and they applied it late, thereby justifying me a $54.00 late fee. Further, they did not send a payment coupon for the month of April and I was told I will not be able to make that payment until Monday, April 19, 2010, thereby justifying another $54.00 late fee.

I have been making house payments to Washington Mutual by phone since October 2009. In June, every time I called to make a payment, the person I was talking to said that I did not have a payment from the month before. I then gave him the confirmation number for the payment from the month before. He would put me on hold and come back and say he found the payment and it had not been applied to my loan.

Every month after June, it was the same thing every month. I decided to send them a payment by check in October and I checked my account from the 15th until the 28th to see if the check had cleared. I also called every other day to Chase to see if the check had been applied. Finally, at the end of the month, one of their people said to cancel the check and make the payment by phone. I went to my bank and had them cancel the check. I had the teller make a payment to Chase for me on November 2. I then made a payment at the end of November for November.

Then, in December, the check I had canceled was found and Chase tried to cash it. Chase says they never got the payment I made at the beginning of November. My bank has done a research and said that Chase did receive the payment. I had sent a letter to them asking for a payment history and where can I make my payments to them so they can receive them and get them posted to my account. I did not hear anything from them in over a month. I got an attorney to write them a letter asking for the same as I did and all Chase sent was a payment history. I went a couple of months not making any payments because I did not know where or how they would receive them.

In April, I finally got a letter from their attorney saying that they where foreclosing on my home on the 19th of that month and I would have to pay the full amount or call their attorney and see about making arrangements. I had my attorney send their attorney everything we had been doing with Chase and the problems I had. Their attorney sent me a letter two days later, informing me that they stopped the foreclosure and was sending the paperwork back to Chase.

I contacted Chase on April 5th and was transferred to five different people about trying to make some payments. The last person was in the foreclosure department and said that I was going to pay $2,700.00 for the house payments and she was going to find out what all other fees I would have to pay like attorney's fees. She also said that she would get with me in 24 to 48 hours with everything. It is the 16th of April and I still have not heard anything from them. I am having a hard time sleeping and my health is going bad due to the stress and pressure this has caused me.