Chase Mortgage

If I could give Chase negative stars, I would. I think even one star is too much for Chase. It started in 2005 when I bought a house and Chase bought the second mortgage. They sent me a welcome letter with my new account number and not another correspondence after that. I started paying them the amount on the letter, to the address on the letter, giving the account number on the letter. I noticed the first few checks were returned with my account number lined out and a different account number written on the check. It turns out they were depositing my checks into my ex-husband's second mortgage account because they didn't have an account with the number I provided. I had them reimburse me the money and requested that they find my second mortgage account. I called them every 2-3 weeks only to be told that they had no account by that number or in my name.

Six months after that, I began to receive foreclosure notices. I called them trying to deal with the fact that I had yet to get a statement for my account and they just demanded money. This went on for another three months before they finally admitted that they messed up the account and supposedly fixed things including my credit report. Several months later as I finally began receiving notices from them regarding my account, I discovered that they changed my fixed rate second mortgage to an adjustable rate HELOC. Again, no one seemed to know what to do to help me and it took another three months to fix the problem. However, they left me with a HELOC account which is not what I should have had. And I was to find out later that the ghost account that does not exist is being reported to the credit bureaus. Some fix.

Recently, in order to get out from under the hell that is Chase, I decided to refinance my house and get rid of the second mortgage. Oh, but they weren't finished with me yet. This time, they actually provided the wrong payoff information to the title company and paid off my ex-husband's second mortgage and not mine. They basically stole $15,000 from me and gave it to my ex-husband. I called them as soon as I received a notice from them about payment on a second mortgage that should have been paid off! They again routed me to the collections department who demanded money and threatened me with bad credit reports and foreclosure. Finally, after several days of trying, I got to a department that could help me. I told them my story and was delayed and was put on hold, and was given reassurances that the problem would be looked into.

They finally, after dealing with this issue a full 5 weeks after I submitted the problem, told me that they have denied my claim to reissue the money into the correct account because: 1) I did not file the claim within 30 days (I did, they stalled); 2) because they deposited the check into the account given on the check by the title company (which was following Chase's original error of giving out the wrong account information to begin with) so they were not liable for the problem; and 3) the already release the lien on the other property which does not belong to me and so, sorry, they were not going to do anything.

Please note that Chase is excellent at saying, "I'm sorry you feel that way but there is nothing we can do," even when they caused the problem to begin with. So now they stole my money, gave it to my ex-husband, and won't fix it. So I wrote a letter to the CEO of Chase. Within a week, I heard from Keya ** in the executive office who knew nothing about this case and thought it was a loan modification. She assured me that she would look into it. Many left messages and lack of return phone calls later (I believe I left 3-4 messages for every return call), I finally found out that Chase has released this matter to outside counsel and there is nothing they can do. This is a full 8 weeks after she got the problem.

Oh, by the way, their outside counsel has gotten 7-8 phone calls and have not returned a single one from the title company that is trying to help me. They got one phone call from me and advised me that the attorney is unavailable and I was shunted to a different counsel who I spoke with last week only to find out that she knew nothing about the problem except that I needed to be issued a new lien (not the case at all. I had to retell her the whole story and get her in touch with my ex-husband whose lien has been released and needed to be reinstated). She has not returned three messages left or the two emails in the last two weeks. This has been going on for over three months! I can no longer access my account online. I am being reported to the credit bureau for nonpayment. And Chase, who provided the wrong account information causing all of this, is doing nothing. I would advise any and all Chase customers to leave as soon as you can. I would advise all others to have nothing to do with Chase.

We have a loan with Chase and they are terrible! We have never missed a payment and never had a late fee with them. They call me every month about my payment because it isn't paid right on the due date. When I tell them the day I am going to call it in, they say okay and say they have made a note of it. Then, two days later, the collection department is calling me to see why the payment hasn't been received! They are not making a note of any info I tell them! Come on, can they not communicate between departments? Is it that hard?! I am being harassed every month by them and it is getting old! We again have never missed a payment and never had a late fee!

I have tried and tried to get a loan modification with Chase. They never call to discuss and always say they did not get the complete package. I have sent it to them time and time again. I know they got it because it was sent in a FedEx envelope provided by them and they paid the postage. They are a sham when dealing with the homeowner. They never try to do any type of modification and file legal paperwork with the court to say they have offered me a loan modification. They only do this to comply with the law, never actually offer a modification. What a shame. No wonder they lost $2 billion and more to come. They did take the government's money to bail them out, woohoo, great job!

I have been in a legal battle with Chase in Federal Court for two years now, and in a battle with them since 2007. I have refinanced my home; it was blocked by reporting my credit incorrectly; I have had three sales contracts on my home; Chase refuses to provide payoff information to the title company, and I can't close. Chase wrongfully foreclosed on me after I won free and clear title in a lawsuit and tied up my title. Chase recorded the alleged foreclosure sale while a restraining order was in place preventing them from doing so. Chase attorneys have argued that they don't have to provide payoff information if they choose not to do so. Chase attorneys have also argued that they do not have any responsibility to deal in good faith.

My story is a long one. For a complete description, please see my story beginning at ** and go chapter by chapter; they are numbered. I am now having to file an appeal in Federal Court. Chase cannot even show a proper Chain of Title, yet have thrown so much legal verbiage at me that I am on the defensive. I am having to work pro se; I cannot afford an attorney at this point. I'm sure that this will continue for a while. I refuse to give up and give my "free and clear" home to Chase.

I sent Chase the balance of our home loan on 5/08/2012 and they returned the check on 5/18/2012 because funds must be certified. We have to deliver certified funds within 3 days of receiving their notification or the effective date of our original payment is rejected. Chase took 7 days just to reject the payment according to the dates on the letter we received! I asked Mario why Chase can't accept my personal check. The only answer I got was it was "company policy". I asked to be shown in my contract where it said I had to send certified funds and apparently there isn't anything in the contract. Chase bought our loan from the company that issued it to us and I guess that gives them the right to make up stupid company policies in order to squeeze money out of borrowers. Also, they want $35 to tell you how much the payout is. Why do I have to go to the additional expense of sending certified funds? Chase accepted a personal check for $10,000 when we were paying down the loan. They've been accepting my checks for monthly payments. This is just some scam to get an extra interest payment and screw people out of a few more pennies with the certified funds scam. I asked to speak to a supervisor and he was unavailable.

In December of 2007, I purchased my home with an 800 credit score and excellent history. In May 2011, my husband was transferred and we had to move to Mobile, AL. Because I purchased my home in the height of the market and the value had decreased by less than the current amount of my mortgage, we made the decision to rent our home. In September 2011, our renters skipped out and we began to struggle with the payment. As of December 15th, we paid a rental agency to rent our home out and got new renters. Since that time, we have been working diligently on making this right. I tried the modification program which after almost six months was told I do not qualify. So my next step was to call the payment center to work out arrangements. I was told today that I can pay $4300 today and $5700 for June and $2600 for July to have everything caught up. I said I would make the payment today of $4300 but just split the difference with me for June and July. I cannot come up with $5700 for June, but spread it out over June and July and I can be caught up in two months. Done, everything fine.

But Chase would not allow that. So because they're not splitting the June and July payment, they are threatening to foreclose on my home and will take no additional payments from me. I can't even make a payment if I tried. I made a payment on May 1st, again, on May 10th and had a scheduled payment on May 15th but Chase actually returned the payment on May 10th. They would not even take my money as I tried to catch up my account. It is no wonder there is such a problem with the economy when you have mortgages not wanting to help the people that are wanting to keep out of foreclosure, work out realistic payment plans, and save the banks and borrowers a lot of money. We all lose when you have these types of situations.

I have been trying for years to work with Chase on refinancing, mortgage reduction, and even getting rid of my PMI. They even sent me offers in the mail, but every time, I get denied. Finally, the loan amount to value came in at where I needed to be. I sent in the request, but just like all the other times, I was denied. They then said I could send in a check for $150.00, and they would send their appraiser out to look at the house and do computations in the area. I did. I watch the area of my home and saw what the houses are selling for. I even follow Zillow (which I know is not even close to valuing the homes but is a good gauge).

I owe about $169K. Zillow is around $215K. My appraisal came back at $151k. What a joke. They took the lowest computations they could find. I received my property tax bill 3 days later, and the county values it at $169K. I am aware that realtors and mortgage people use this number x 1.25 to get an idea of the value of a home. That would put the value at $210k. Once again, Chase wants to take your money but will not work with you to reduce any payments. They find loopholes or any reason they can. By the way, my credit score is excellent and I have never been late on a mortgage payment. This just stinks. Has anyone else had similar dealings with Chase? A friend of mine is going through a lawsuit with Chase. He had to get a lawyer, before Chase would even start to look over his mortgage.

I own an insurance agency in Connecticut. To go back to the beginning, we worked with many banks when the mortgagee pays the homeowners insurance from the escrow account. In December 2001, we requested that Chase send us a check for a renewal made out to our agency. They sent it to us made out to Lloyds of London at 1 World Trade Center in New York. I could not cash it to forward the net premium to the carrier and had anyone there seen the news, they would have realized that as of September 11, 2001, there was no 1 World Trade Center.

Several years later, I needed payment for two policies. Again, they mailed me the checks made out to the incorrect parties and jeopardized coverage for our mutual clients. They told me I was not set up in the system and it took longer to get payments than they had said. I was told that they would overnight the checks, but found out that this meant it had to be sent to another department for approval, which took more time. Their idea of overnight took a week. Subsequently, Chase started to call my agency to verify coverage for loans all over the country. I explained to them that we service only Connecticut and are not affiliated with any other agency. If they have the name Insurance Problem Solvers, then their information is wrong. I googled the name and we are the only one that comes up.

After explaining this to literally 100 of their people, I then decided to ask the people they have verifying coverage what state the home was in. If it was not Connecticut, I just said we do not handle anything outside of our state. After this persisted, I asked which state and rather than wasting my time, I just hung up. Then they just started sending me checks. I called them the first few times and they asked me to send them back, which I did. After the first few times, I called and asked if I could just mark them void and fax them the copies. They said, "No, you must mail them back."

I brought two or three down to the local branch and pleaded with them to make this stop. I was told that they would try, but the bank and the mortgage company has minimal connection. I told them that I am absolutely irate and would just shred the checks from this point forward. If I could only find a way to legally cash the checks to be compensated for my time. In the meantime, I continue to shred them and hang up whenever they call. I hope that someone from Chase is monitoring this website. I just wish it would stop.

I applied for a HARP loan. They said I did not qualify. When I tried to do a refinance, I was told I could not get one because my other loan was still open. I have called the loan person back and have called her supervisor three times. No one will call back. I have sent emails and have not gotten an answer back from them either.

Loan Delays - The contract for our home was signed in mid February by the buyers with a close date at the end of April. So, they had over 2 months to work on the buyer's mortgage. Got a "good to close" call at 1 pm on Wednesday for a close on Thursday. The close was set up but at 8 pm, got a call saying that the loan officer made a mistake and it was not good to close. The loan was actually declined. How the hell does that happen? Stupid, inexperienced **. The loan officers and underwriters need to get their head out of their butts. Warning, don't use Chase for anything, especially a mortgage.

Chase is cheating people. 2009 and 2010, I had two almost back to back surgeries and was late paying my 2009 taxes. I never missed a house payment until Chase refused my house payments. Then Chase paid my taxes and the reason they gave for their action was I was delinquent with the taxes. I was not delinquent with the taxes. Late, yes. We went through a lot of harassing phone calls, their representatives making smart remarks to me, calling everyday (7 days a week) several times a day, even up to 10:00PM at night to where I finally had to take out my home phone. I paid my taxes as agreed with Chase stating pay the taxes and everything goes back to the way it was. I sent them a certified letter that had to be signed.

After receiving the 2009 taxes, they informed me that I could not have my house payments back the way they were because I did not have home insurance. I then proceeded to argue with them, telling them I had home insurance but they kept saying no home insurance. They lied and one of their representatives informed me that "no one would touch Chase because we are the biggest bank in the United States". He was telling me they could do whatever they wanted, no one was going to stand in their way. Not even the federal government. Well, they then started to try to force me into a loan modification. I refused to sign anything informing them that they violated a legal binding contract. This is still ongoing in 2012. They have finally acknowledged I had home insurance and then proceeded to place that with the escrow account, which I never had with them.

I have been with several different companies that has put me through the loan modification program with Chase denying it every single time. Chase has placed me in foreclosure and refusing to do anything except to continue to deny my rights as a citizen. Chase destroyed my credit so I could not get a loan with someone else and get the loan (bought from Ameriquest) from Chase. Chase started refusing my house payment in 2011. They had informed my present group helping to resolve this issue that the reason they paid my taxes is because I was in loan modification. I had to go and dig out the letters from Chase stating I was delinquent with my taxes for 2009. I am wondering if one of the reasons Chase is allowed to get away with cheating people is because Obama placed the guys (who were in charge when the banking system went under) over the federal finances or this was stated in a documentary.

No one cares about honesty and fairness in the government, it appears. I was told once by a person who worked for the federal government that the government system is "scratch my back and I will scratch your back". Or am I wrong on this? Chase will never settle anything unless it is to their benefit and like Mike, one of their representatives, told me "we are the biggest bank in the United States and no one will ever go up against us". All I ask for is honesty and honor the legal contract. Obama wants us to have financial freedom, but will not help stop Chase from cheating people out of their homes. These same banks were bailed out with our money. I am beginning to believe that we can not win unless we have the money to back us like they have.

They don't care who they destroy, only how much money they can get for their bank and their bonuses for cheating people. I will probably be losing my home within the next year because Chase knows they can wait us out and still get whatever they want. I have had this home since 1990. Will anybody listen to us? I know I am one of thousands who Chase and other banks have cheated or not dealt honestly with but once again, how do you fight against a big financial institute that knows they will get what they want and no one to stop them from doing what they do? Chase representatives laughed and bragged about this. I am puzzled why the media does not do a report on this? I want to know why no one will stop Chase and others like Chase from cheating the people?

My husband got laid off about 2 years ago, but he got back to work within 4 months. We had trouble paying the mortgage, so Chase advised us we should try the loan modification. Well, that's been 2 years ago and they still are running me around with all these papers they want to fax. So now they want to do papers all over again. What do they think? People stay at home and fax papers all day? We both work and don't have time to fax all day the same papers. They need to stop losing them. I will recommend anybody that wants to do business with Chase to run for your life and get the hell away because they are crooks and they don't want to help.

Chase has given me the runaround for more than two years. They are wildly inconsistent! I supplied CHF (Chase Home Finance) with every document requested within 24 hours. Because Chase gave me the runaround for more than two years, I have had to cash in two Tax Sheltered Annuities, another retirement account, pay penalties and taxes, never mind losing money because the market was down. They are infuriating. It would take me far too much effort to type all the notes I have to show just how abusive and dishonest Chase has been. I will never do business with Chase in any way and recommend no one use CHF for a mortgage.

Two years ago, we were being over-escrowed. When we looked at our statement realized it was to the sum of $26k. We confronted Chase. They did give us $5k back but said they had to check on the remaining. In September 2011, after many conversations, we fell behind on out mortgage. We were only two months behind and were trying to pay for one month. They refused to take our money. They are still refusing to take our payments and are trying to foreclose on our home! These guys are crooks! They have consistently violated RESPA, have not responded in a timely manner and consistently pass the buck.

The loan was with EMC. I paid all arrears to prevent charge-off from the 2nd mortgage. I started paying the loan on time through EMC. This loan is now with Chase as a charge-off. Why would EMC take my funds? The representative told me that paying the arrears would prevent the charge-off. Now, Chase will not let me modify this loan, after they told me it was not charged off; and Chase has been accepting monthly payments. The last payment made was for April 2012. Now, Chase has told me to stop paying on the 2nd mortgage. My 1st mortgage was modified by Chase. I could not modify the 2nd mortgage per Chase until the 1st mortgage is completed. I need a lawyer. I don't need a charge-off on my credit. Help.

Chase put me on a trial plan for 3 months at first. Then they went another 3 months in which all payments were made on time. Then the house went into foreclosure after collecting the money from the trial period for 9 months with no explanation and I had not missed any payments while in the plan.

I called Chase Bank to get the payoff on my daughter's mortgage loan. I called the number on their loan statement and only got voice messages. I then sent a check to Chase paying off the mortgage and they sent the check back because it wasn't a cashier's check. My daughter talked to Chris ** and I got his phone number and extension which I called three times and I am still waiting for a call back. I need to know the exact payoff amount and where to send or wire the money. Since I am still waiting, I am sure the interest and late charges are still mounting.

Long story short, I was approved for a loan modification, made all my payments but Chase was foreclosing while taking my money. They took all money held in suspense (house payments) and paid every dime to Stephens Millirons law firm for foreclosure fees. The home is still advertised every single month in local paper only to be postponed because my home of 30 years was destroyed in April tornado. Chase and Robert ** are waiting like vultures until insurance settlement is complete. 19 illegal foreclosure attempts and counting.

We applied for a house loan in the beginning of March. Our closing was on 4/27/12. Chase has hassled us to no end! Eighty eight emails (no exaggeration), multiple phone calls, multiple faxes of the same ** stuff over and over and over - they lost our personal papers! They have hassled our realtor for paperwork too. We had to move the closing because our approval expired three days before the closing. Why? Can't you extend it? No, of course. Now two days before the closing and they are asking for more paperwork that we already sent! We have excellent credit (over 825), I have a fantastic job (>60,000 a yr) and we have over $110, 000 in their bank. We aren't even borrowing that much! ** Chase bite my **!

In 2010, I was diagnosed with a disease that needed chemotherapy. I was unable to maintain my job and forced to work part-time. I owed my home for over 10 years without ever missing a payment prior to this. I tried to modify. It has been two years and Chase keeps denying me. They keep finagling the numbers. First, they said I don't qualify because I make too little. Then they said I don't qualify because I make too much. When they want to, they include the taxes and when it suits them, they exclude the taxes. This is illegal! They just want to foreclose on my home. I have put in a complaint to the independent foreclosure review, but so did millions of others. I don't know whom else to turn to and I do not have money to hire a lawyer. I do not qualify for free legal aid. I do not know where to turn to or where to get help.

Robbed in a loan modification - I was laid off and called Chase to modify my loan. Chase put me an escalation loan and charged my $10,000 which they added to my mortgage price without my consent. Then they sold the paper to another servicer.

I began a loan modification years ago. I went one year with hearing. They didn't have all the paperwork. I continued to submit the same information that they requested over and over again, each time they told me they didn't receive it. After I contacted the CEO office of Chase, I had a decision in three months. However, instead of helping me out and lowering my payment, they raised it from $1600 to $2200. How does this help me? It does not. I was a divorced single mother and did not want to lose my home, so I stopped paying other bills and paid for my home. I was forced to file bankruptcy in 2010. My attorney did my paperwork and I was keeping my home. Chase did not allow me to do the reaffirm, however, never told me or my attorney.

A year later my ex-husband filed bankruptcy and was told that my house was never reaffirmed. I was on time with my payments and signed my reaffirm form and it was given to Chase; however, they failed to tell me they were not reaffirming me because I was divorced and my husband, who had nothing to do with the house, was not reaffirming. The thing is he would've for me if Chase had told us. But a year had gone by and Chase said they would not do it now. So, since I was paying an outrageous payment and getting no credit on my credit report, my attorney told me the house was in my BK. So rather than continuing to strap myself, I let it go.

I have since then tried to do a deed in lieu, yet still I have not gotten a response from them. It's as if they want me to foreclose. I never wanted to do this. They forced it on me. Had they given me the loan mod back 4 years ago when I ask, I never would've even had to file a BK, but they made things worse for me. Now I have lost my home completely, and I was current when this all started. Chase is 100% to blame for this happening. You can never get the same person when you call and constantly need to start at ground 0 with a new person so it is completely pointless!

We have been working on a loan mod for 3 years, yep 3 years. We initially became late because I got laid off from my job. I contacted Chase right away and after several months were told we could do a loan repayment so after 4 months, I would be caught up, great. I took the agreement (paying $300 more per month). I received the paperwork and sent it back in. I paid my 1st payment via Western Union and guess what, I received a letter from Chase stating that it was late and the repayment agreement was now cancelled.

I contacted Chase, they told me the letter was sent by mistake, and to continue payment as scheduled. I requested something in writing, stating I was still enrolled in the repayment and was refused the letter, stating they don't send anything out after the initial agreement. I went ahead and sent in my 2nd payment and then the 3rd month realized my payments were being held, not applied to the loan unless I paid the full past due amount. I then filed all the paperwork for a modification and over the past 3 years, I have had to fax and send the same paperwork at least 15 times.

I have a VA backed loan and the last response was that we didn't qualify because 12 months of payments hasn't been made on the loan. Well, yes it was but wasn't applied. Our VA rep contacted Chase because Chase did not follow the law for VA loans. Chase is required to contact VA to get approval or denial to modify loans with less than 12 payments, which Chase had never contacted VA in over 3 years. Our VA rep contacted Chase 3 months ago and neither she nor I have heard from Chase since her initiated contact with Chase. I am just going to keep submitting paperwork until I am told to go away.

I applied for re-modification but didn't get it. They took my disability of $997 and multiplied that by 125% and got $1246.25 a month. I don't think that should be because I pay tax on the amount I receive. They won't let me redo my modification. Chase says we make $8000 per month. No way in God's green earth do we make that. If we did, we wouldn't be where we are today!

Our daughter is way under water with her home in San Marcos and her mother would like to buy an investment home in San Marcos. She would like to buy her daughter's home and rent it back to her daughter. But the Chase Mortgage company told our daughter's realtor that they would not allow this! What right do they have to disallow a relative to buy a short-sale of (any) home in San Marcos?

My wife and I were involved in a car accident in August of 2005. The driver who hit us was under-insured and because of the nature and extent of the injuries we sustained in the accident, my wife's employer released her from her job. Due to the astounding medical bills and the fact that Utah is a "no fault" state, we declared Medical Bankruptcy and filed a Chapter 13 Bankruptcy. As a result, our mortgage was assigned to the Bankruptcy Division of Chase Home Finance. That was when the trouble started!

We have spent the past six years battling with the Bankruptcy Division of Chase Home Finance because they have lost or misplaced our mortgage payments on multiple occasions! They accuse us at least four times a year of missing payments and when we provide proof of payment with receipts, they shrug it off as "no big deal"! It is a huge deal to us because they are not only toying with our home, they are toying with our lives! We have lost countless nights of sleep and have encountered more stress than you can imagine because of their blatant disregard for professionalism and propriety! Home ownership used to be the "American Dream", but thanks to Chase Home Finance, it has become nothing short of a living nightmare!

We are continually threatened with foreclosure as a result of their incompetence and inability to perform their end of the mortgage agreement. They lose or misplace our payment records all the time and then have the unmitigated gall to stick their "vulture" attorneys on us because of their incompetence! We have paid them nearly $12,000.00 in addition to our continued mortgage payments and they still claim that we are behind on our payments! I believe the legal term for their actions is commonly referred to as "extortion"!

It is appalling to think that in spite of repeated and continued public outcry, not to mention the huge bailouts they were handed on a silver platter a few years back, they are still allowed to operate when it is obvious to anyone who has ever had to deal with them that they should have their business licensing revoked in all states in the United States!

Read this if you think Chase Unemployment Program is a good deal. You will lose your house: Last year, my wife lost her excellent paying job in a large layoff. We immediately contacted Chase and told them that we would need assistance in paying our mortgage. We were told that because we were current with our mortgage, they could not help us. We were told we need to be 2 months behind. So, we went 2 months behind. We then started getting calls and letters. We filled out the papers for a modification as we were told to do.

About 3 months later, we were approved for a "forbearance" that reduced my payment from $2,300 to $550! They also told us that they were backed up and wouldn't get the papers to us for a while. We knew this didn't sound right. We decided to continue paying our mortgage full payment. The papers never came. We filed chapter 7 and cleared all our debts. We were then told by Chase to re-file for the modification. This was in December 2011.

Here we are, in April 2012 and we were denied because we had already filed and Chase wouldn't allow 2 unemployment programs. After a lot of phone calls and a lot of interaction, Chase realized the mistake they made and said we were right, they never sent us the papers. Yesterday, we were approved. It sounds great. It looks great our mortgage has been reduced to $550 a month for 6 months.

My wife and I have some finance experience. We asked many questions. During the 6 months of low payments, we are responsible for the full amount due. That's $1,800 a month after we make the low payment. In the 7th month, all money is due. That means we need to come up with $10,800 plus my November payment and the 2 months past due. That means we owe $17,700. We were told that Chase would not extend the unemployment program. We asked about a permanent modification and we told only if my wife were working she would be "considered". No guarantee. We were told that if we could not come up with the money, we would have to short sale the house!

Folks, this plan is just a way for the bank to squeeze us out of the house. A family struggling to pay its bills, trying to lower its payments is not going to be able to come up with $18,000. This is a bad deal, do not go for it. This almost sounds criminal. We still have a little equity in the house. Chase knows that if we are forced to sell, they will get all their money back. We wonder if that's why Chase isn't really interested in helping us. Either way they cannot lose.

I have the same issue as most. I am in foreclosure status and I would call asking for a payout. They would say, "Oh, sorry, we couldn't send it." I have asked 4 times and then asked for a modification. All Chase would say is: "We can't help you." Until NACA helped out but now they won't tell me the percentage of payment. So I don't get a private loan, which means they don't get that big interest hit. I call and everyone in Chase is a moron. All they want is a way to get more money. I ask what my percentage is and they don't know. Now, I have to pay for attorney's fees obviously, but they don't tell me if it's a payoff and will ask to send a fifth time. Let's see them ** up now.

I tried to take advantage of one of the new Obama plans to "help" folks that are underwater with their mortgage. I sent the paperwork in sixteen times! That's right folks, sixteen times. I sent it in 12 times and our attorney another 5. I have felt like I'm in an old episode of The Lucille Ball Show. If it was not me and it was not real, it would be hilarious. I have spent hours and days trying to get this done. Before embarking on this journey, I told the rep at Chase exactly our position, earnings, etc., and was assured we qualify. That was four months ago. Yesterday, I got a call from a punitive woman who told me we would not qualify because of late payments, broken promises, etc. She was on her high horse and I kept asking, "Are you sure? What? That can't be right."

She was very disapproving as she rattled off all our past problems, including saying that we had signed papers and she was looking at them. Just as I was beginning to think I'd lost my mind, she said, "Oh, I'm sorry. I'm looking at the wrong screen." To clarify, we have a good credit score, we pay on time and we were just hoping to get a little relief on the mortgage and wanted the interest rate to be a little lower. They said they couldn't help us because we were current with our mortgage. When I asked if they'd help us if we were three or four months late on our mortgage, they said yes! So, after I expressed my dismay to the rep she said, "Well, why don't you try again. I'll FedEx you the paperwork. Most people have to apply six or seven times before they are accepted for a change." No, thank you. I already knew of Chase's reputation, but our loan was sold to Chase. We had no choice. Now, we are stuck - unless, of course, we are late.

My husband (Roy **) assumed a home loan with Chase Mortgage. The dreadful mistake he made was not adding my name to the loan. He passed away on November 28, 2011. I have been working unsuccessfully with Chase to find out the procedures I need to take to get the loan name changed to my name. It has been the worst experience trying to get the professional assistance that I need to get this accomplished. I have been going in circles with customer service representatives at Chase and I keep ending back at square one. I have never worked with so many inexperienced people as the ones at Chase Mortgage.

It's interesting to know that I have been paying the mortgage payment since my husband passed away. Chase doesn't seem to care about helping me to assume the loan as long as they receive the monthly payments. This is a very frustrating time for me and it is unfortunate that I am having such a difficult time trying to assume the loan. It doesn't seem to matter that my name is on the deed of the house and that I have submitted all kinds of requested documentation. Chase would definitely not be my choice for future business!