Chase Mortgage Reviews

My original fees for this refinance was $7,004.80. With the new GFE, it changed to $7820.74. How they can do that is beyond me. I think we got off easy with losing the $750; we could have been swindled out of an additional $815.94 (this is less than the total of the newly-adjusted fees because the escrow amount was lower for some reason, possibly because we'd already paid the first month's escrow. ) They clearly lied to me. I would have lost an additional $800 if I had agreed to close the refinance.

Of course, as most working Americans, our debt was about as much as we could handle with the income we were making. Now with the loss of income and the rising cost of everything, making ends meet became impossible. To make matters worse, the both of us are without health insurance of any kind. She had quit a job to start her business about seven years ago and before she could get rolling, she was diagnosed with breast cancer. Well, that brought on the medical bills and we made payments and applied for assistance for her, which eventually brought some relief. Except for the fact that health insurance for her became impossible for us to afford because of the pre-existing condition. I changed jobs three years ago to an occupation that was promising as a step forward. Then the economy tanked and the small company I work for is struggling to survive. No health insurance for me either.

So last May, after trying with various loan institutions to consolidate our debt, with no success, we contacted Chase about Obama's plan for mortgages. We dug up the mountain of paperwork and sent it to them. They could not tell us anything for months on end. Finally, they said we do not qualify for anything under Obama's plan (the representative I spoke with said we make too much money and that I could afford my payment. His exact words were that I was trying to "Bogart" my way into the mortgage plan). Basically calling me a liar.

Well, that ended my communication with that **. I asked to speak with someone else, which he was reluctant to let happen, but he did. Supposedly, the person I spoke with next was a supervisor but I'm not sure I believe that. Anyway, this person said that we did qualify for a modification. So, we gathered up another mountain of paperwork and send it to them. They told us to call in two weeks after we sent the papers and someone would assist us.

After a few calls, they said we had to do a B A U trial and that if we made those payments on time, there would be a modification. He could not tell us when the first payment on the trial would be due. He also would not give any indication as to what the terms of the modification would be. About two weeks later, we received a letter that the first trial payment was due in seven days from the date on the letter which had taken five of those days for us to receive. We immediately called them and requested a short extension on the time limit for the first payment (which they did give). We were instructed that the payment could only be called in over the phone. We made the payment on time, over the phone as requested. We got a confirmation number for the payment and thought everything was good.

Well a week later, we received a letter stating that our B A U trial and modification were in jeopardy because we had not made the required payment. We contacted them again and they stuck by what the letter said and that the confirmation number that we got at the time of payment meant nothing. The person we spoke with said that it was our problem and that we had to make another payment on the spot (which I refused as I already made the required payment, with a confirmation number and I'd be ** if I would give them more money to lose). This person said we had to go to our bank and see if the funds had been taken from our account.

They were and our bank gave us a transaction number and a statement proving it. Back on the phone with Chase (again), the person we spoke with then said that the information we had is not good enough, all but called Karen a liar and that she needed to fax that paper from our bank to her and that it still would probably not be good enough. She then said we need to go to our bank and dispute it. We returned to our bank and they told us there was nothing to dispute. They did however gave us a full name and account number of the person whom our payment was transferred to (which obviously was not ours).

We contacted Chase again and they told us that still is not good enough and that they still think we did not make the payment. Now Karen has been dealing with a Wendy, who is supposed to be a supervisor and she has not given us any information on our lost payment (it has been six weeks now). She has not been friendly nor helpful and has even gone as far as to be nasty and hung up on Karen. We have since made the second payment on the B A U trial (on time) and wouldn't you know it, we got a letter in the mail saying we haven't made the second payment and that our trial and modification are in jeopardy. We contacted Chase again and the person told us that they don't have the payment. So we called another department and ended up finding out that the second payment was applied to the lost payment and that we need to make another payment on the spot (well, we don't have it to give and if they would have found the payment they lost, we would not be where we are).

So now, we have received a letter stating that we do not qualify for a modification (because we don't have enough income to afford the house, yet we have too much income to get assistance) and that we need to pay five months of payments or they will start foreclosure proceedings. We are only three payments in arrears, they have two of the payments in question (one of which is the one they lost). We have spoken with, yet again, someone else who says that one of our trial payments is in a special account (probably a day at the spa fund for some exec). The lost payment is still lost and they don't seem to care.

The last person we spoke with said they were done with us and good day. We have spoken with literally dozens of their so-called customer service people, people in collection, people in loss mitigation, people in every department they have and all we get are lies. No help. We are now both filing bankruptcy, mine a 7 with every intention of reaffirming on house and cars, which after reading some other letters here might be a whole other can of worms with Chase. Karen a 13 if need be to save the house. Something needs to be done about these financial institutions and their ways.

Due to falling home values, however, a large part of the 20-percent equity I initially put down has been erased. Whereas the home was originally appraised at $580,000 in 2005, the Chase blanket-appraised value is now $495,000. In 2005, I put down $116,000, financed the remaining $464,000 and that balance now stands at $461,789, leaving just $35,211 in equity remaining. However, I believe that a full appraisal will determine that my Redondo Beach property in fact is worth substantially more. But a Chase mortgage counselor, Josh, informed me on January 22, 2010 that I'm not 'streamline eligible'.

Though I'm experiencing no crisis, I consulted with an independent mortgage-crisis counselor to explore what I might do to improve my ability to qualify. They informed me that my chances are nil unless I want an FHA loan with PMI, which I don't, or unless I experience a crisis, which compels the bank to take some action. I don't care for that option either. I'm not looking for a rescue. Why is a responsible and sophisticated financial consumer, such as me, forced to choose between those two equally undesirable options? Unlike many people, my finances are in great shape.

I asked Chase to consider my: Good credit: my FICO score is in the 790-800 range; Timely repayment history: I haven't missed or been late on a payment to any creditor in many years; Property improvements: we made substantial upgrades to the residence. Additionally, our HOA invested nearly half a million dollars in improvements to the complex; Equity: we're not underwater. In fact, property values in my neighborhood are stabilizing; Higher income: my income today is roughly $20,000 more than it was in 2005; Greater personal savings: despite the financial crisis of 2007 and 2009, my retirement accounts all have higher balances than in 2005; Lower credit balances; again, despite the crisis, I've paid down my balances. All my credit balances trend downward historically;

Financial savvy: as a successful, independent, institutional asset-management marketing consultant, I treat my assets and liabilities as an institution might. I've been a long-term consultant with a leading financial firm since 2001. This gives me access to large amounts of sophisticated and forward-looking financial insight, which I put to use in my personal life; Income property: I also have a tenant who covers the mortgage on a second property in Hermosa Beach, Calif., which is due to be paid off in nine years. This provides tax benefits, but unfortunately impacts me negatively on my mortgage application.

I'm certain I represent extremely favorable credit risk to any bank that works with me to refinance this loan. Furthermore, it would enable Chase to remove a risky, 7/1 interest-only ARM from its books and replace the loan with a safer 30-year fixed-rate loan to an AAA-type borrower with the capacity and intention of repaying the obligation. This might look good to regulators. If Chase offered me a rate at or near 5 percent, without PMI, it would increase my current monthly payment amount by only a few hundred dollars, which is very manageable.

Of course, nobody answered after 5 p.m. or on weekends and I was placed on hold for what seemed like forever listening to awful music, then giving up in the interest of my time. I finally got through this morning only to learn that the product we had not purchased but were being charged for was emergency-road service. This was on our mortgage statement. It's an opt-out thing, people. Examine your statements closely. If you don't opt out, you're automatically getting charged whether you want/need it or not.

I called Chase to tell officials there how angry I was that they allowed this to be placed on our mortgage statement. Well, you know how it went: Call, punch in numbers, listen to more skin-crawling music. Finally, after interminable waits, I got three different "customer-care" representatives who simply would not listen to me, but just kept reading from their script. I told each one -- Trish, Sherry, Arneeka -- that I didn't want to dump on them but someone who is paid much more to listen to an angry customer.

They just kept reading from their scripts asking me questions about my account that were totally irrelevant to the purpose of my call: To complain to a manager about how I felt betrayed and screwed by Chase. Finally, I loudly told one of the women that I didn't want to answer any more of her questions and demanded that she please transfer me to a manager.

Well, 10 minutes later, after she came back three times to apologize for my wait but she was still looking for a manager to take my complaint, I told her enough. I had wasted my entire morning between the call to the road-service company that got prominent space on my mortgage statement and various low-level "customer care" reps who wouldn't listen and could not talk except from a script, and I still could never speak to a manager. Yes, I'm mad.

When I complete this message, I'm going to search other public sites where I can post my grievance about Chase, its awful customer service, its willingness to sell customer accounts to road-service companies with only opt-out provisions, its eagerness to screw its customers every and any way it can. Then I'm going to write each member of my Congressional delegation telling them to protect us from this type of predatory behavior. I caution current customers or those searching for a mortgage-loan company: Beware! Stay away from Chase. You'll be very sorry if you enter into a business relationship with this monstrous, blood-sucking company.

There were no economic consequences because I read the statement, spent a great of time calling and opting out of the emergency-road service. It's outrageous this even appeared on our mortgage statement. It's apparently impossible to speak with a manager at Chase to complain.

We were not aware that we have been double paying our Chase mortgage. In 2008 we contacted Chase Mortgage and tried to get them to cancel the auto payment that they were pulling from our account. We explained that we had also been paying, We were told that they would discontinue. Soon after we started receiving collection calls from Chase stating that we were behind on our payments. We checked our bank account and confirmed that all our payments were being pulled out of our bank account and paid on time.

We also verified that Chase was still pulling payments from our account so we were still paying double payments. So we were confused of why we were receiving collection calls. After long explanations to the customer service department we were pressured into making another payment to try to protect our credit history. Every Mortgage statement that we received each month showed the next payment due was 2-3 months ahead. So the January statement showed next payment due May 1st. So the statements were showing all the extra payments but the collection calls were still coming monthly. In April 2009, we found an error on our mortgage statement that showed that our escrow PITI payment was $4610., instead of $987.

We have an umbrella policy that covers 4 investment properties. Each property policy amount is listed and then the total policy amount of $4610 is the policy amount for all 4 homes. Chase had entered the Escow PITI amount for all 4 homes instead of the one home that they have the mortgage on. Because of this error, our mortgage jumped from $756 to $1598 double the amount. We contacted customer service and were told that we needed to get it fixed with our insurance company, that they could not take our word that the escrow amount was incorrect. We faxed them a copy of our policy showing them the error but they would not accept it.

We contacted our homeowner insurance agent and asked him to contact Chase and verify the correct escrow amount. He contacted them and sent them everything that they requested. But we could not get Chase to correct the error. We have been paying the $1598 payment since April of last year and cannot get it resolved. We had to file a stop payment order with our personal bank account to cancel Chase from being able to keep removing payments directly out of our bank account. We had the Research Department from Chase research the Escrow and the extra payment issues that we have been having since they purchased our loan. The Research Department found that we have overpaid over $12,000 in extra payments. We are still receiving collection calls from Chase and we received a default of the loan letter from Chase.

The automatic bill payment from our bank account is still paying out the monthly payment but Chase is still saying we owe. We asked the research agent how to correct the problem. She gave us the name of a manager in her company. We sent him all our bank statements showing the extra payments, we sent him the homeowners policy showing the correct escrow amount and we sent him all the mortgage statements showing all the payments received and we gave him a copy of the default letter that we received from Chase Mortgage. We requested a refund of the overpayments and a correction of the escrow amount to bring our monthly payment back down to the $756 amount.

We received a letter from Chase on 1/14/10 stating that our loan is with Sallie Mae and they do not reimburse extra payments that are over 60 days old so they will not be reimbursing us the over payments. They did not mention the over payments caused by the incorrect escrow amount, nor did they mention any correction in our monthly mortgage payment. We received this months mortgage statement that shows we owe over $1700 this month.

This is after our auto bank payment paid the monthly payment. We still have daily calls from their collection department and don't know what we need to do next to get back the extra money that was paid in from their entry errors and from the bullying calls that pressured us into making extra payments to protect our credit. We are afraid that things are getting worse. We do not want them to foreclose on this home that we have been making double and triple payments on for the past 2 years. I have had to quit my job due to health problems and we do not have the income to keep paying these double payments. This has been a helpless situation that is now going on to another year and we cannot get the madness to stop.

He did not tell me it was non-refundable. After my local Chase branch faxed in almost 80 pages of paperwork required, I didn't hear back from Mr. *** for almost a month. Because every time I called I only got his voice mail, I emailed him on 10/15/09. He emailed back a short response that he had spoken with my husband, Matt, on the previous day. Matt did receive a voice mail in which Mr. *** asked him to call back regarding the loan. He returned the call with his own voice mail but he never heard back from Mr. *** and they never spoke.

I didn't hear back from Mr. *** again until November when he called to ask if I'd had an appraiser out yet. I was confused. He had told me that the bank would set that up and I related that to him. He replied that yes, it was the bank's job and he wanted to know if they had done it. Again, I was confused because my loan representative wanted to know if his bank had set up my appraisal. Also, I told him that after speaking with my husband, I discovered that Mr. *** had never actually spoken with him.

He denied this, saying that he had spoken with Matt over the phone. He said he would set up an appraisal for me. Then he told me that I hadn't faxed him the Authorization to Disclose form, which I had faxed in the original batch of documents. Mr. *** accused me of not sending it in then abruptly changed his tone and said his office must have misplaced my sensitive information. I told him that I wasn't happy that my sensitive information was getting misplaced. However, I pulled it from the batch (it was still right there in the middle of the paperwork), scanned it into the computer and emailed it to him.

Again, he never responded to let me know he'd received the email. Almost immediately, I received a call from the appraiser, which was probably the only thing that Mr. *** did correctly in this entire process. I decided that perhaps the previous issues had been a fluke. The appraiser came out and again, I didn't hear from the bank for several weeks. The next time we heard from Chase, it was a different banker, Joyce ***, who called my husband at work on 12/15/09.

She needed him to fax in his 401K statement because it had expired (we hadn't received his September statement when I sent in all the paperwork originally). She also said that they needed a current statement of the car loan, a document that we were never asked to send in the first place. My husband faxed in both our car loan statement and his 401K statement from September. However, on 12/22/09, we got a letter in the mail from a Jayson *** dated 12/16/09 that required us to send in the 401K statement by 12/30/09.

As I was looking through the paperwork I had faxed, I realized that our lock-in rate was set to expire that same day: 12/22/09. So, I contacted Mr. *** to find out how to cancel the loan because it had become very clear that his branch did not know what they were doing. Mr. *** sent back a highly unprofessional email, blaming me, blaming his team, blaming everyone but himself. He misspelled many words and didn't capitalize others, so obviously he didn't care about being professional. I called him out on it and his defense was that there was nothing he could do because his bank is so large and handles so many loans that it takes a long time to process them all. He assured me that the loan was about to go to the underwriters. I figured we might as well finish what we'd started.

Then, on 1/2/10, we received a GFE in the mail that stated the origination fee was $985. I did not know if this was on top of the $750 fee so I contacted Mr. *** again. He wanted to call me to explain but since I no longer trusted Chase, I asked him to email me the information. He emailed me several numbers which I could not decipher. I do not speak bank jargon and I asked for a further explanation. He could not give me a straight answer and I finally deciphered that part of the $750 was going towards the $985.

Then, on 1/14/10, we received a document in the mail dated 1/7/10 that stated that our loan application had been approved but only if we closed by 1/9/10. (Note that was five days prior to our actually receiving the information.) It also stated that if the lock-in rate had expired prior to 1/9/10, then we would have to accept the current rate. The letter also stated that if we did not close by 1/9/10, Chase was no longer under any obligation to fund our loan. Also, in the original paperwork, there is a loan application expiration date of 11/23/09.

I immediately contacted Mr. ***, who assured me that everything had been extended for us. When I told him that the documents sent to us should reflect that, he responded that their computers generate the documents we had received and they had no control over that. I find that extremely hard to believe. On 1/18/10, Joyce *** emailed me to say that our Income and Asset documents were now too old for the underwriters to use. She asked me to fax in our current bank statements and pay stubs. At that point, I again asked to cancel the loan. How can we trust this bank with our personal, sensitive information when they have already admitted they "may" have lost some of it? They cannot seem to get organized to know that they're missing documents that they never asked for in the first place and that cannot get their job done in the time originally quoted to me.

I asked to have the loan canceled. Mr. *** wrote back, among other things, "the delay was getting the subornation done." Not knowing what "subornation" means, I looked it up and it has to do with trying to get someone to perjure themselves. Now, I'm going to guess that Mr. *** meant "subordination" but if my loan representative cannot spell his own legal terms, how is he qualified to give me a loan? I replied again to cancel the loan and refund the $750 and then on 1/19/10 the supervisor, Gus ***, sent me an email stating that I would still have to make payments, whether the loan was refinanced or not. I replied back asking what payments he was referring to and I did not receive an answer.

On 1/20/10, I sent him another email asking him to answer my question. Mr. *** replied with a snippy email saying he didn't understand what my question was and I responded that their customer service skills are less than stellar. He then answered the question. I sent him back an email requesting again to cancel my loan and refund my $750 as I had fulfilled all of my obligations, and, in addition to treating me poorly, Chase had not fulfilled theirs. As of today, 1/21/10, they finally canceled my loan but they refused to give me back the $750 I originally paid because it is "non-refundable." I do have a document that says the fee is non-refundable but I was treated like dirt from the very beginning. I was sent nasty emails and then they essentially started the whole process over. I forwarded all of the emails that Mr. *** and I had written to each other and Mr. *** wrote back that he was not going to refund my $750 because it is Chase "policy."

I have zero documents that say that my lock-in rate hasn't expired. I have zero documents that say my loan application hasn't expired but I have three documents total that give me expiration dates that have already passed. I feel that because they were incompetent, I should receive a full refund. Just because they claim to be ready to close now, that doesn't mean they're not incompetent. I have attached all of the correspondence between myself and Chase Bank. Please help me to regain even a partial amount of the $750 that Chase Bank stole from us. My taxpayer dollars went towards bailing out Chase Bank and now they are essentially stealing from us. I understand that $350 of it went to paying costs but I was told that $400 of it was a credit towards the other refinancing fees.

Therefore, Chase Bank made a $400 profit, not to mention that they earned another $400 off of my mortgage that I would have saved had they closed in November as promised. If they tell me that I can dismiss all the documents with the long past expiration dates, why can I not dismiss the document that says the $750 is non-refundable? If they do not need to be held to their promises, why must I be held to theirs? We have lost approximately $800 because of them. Even if we were to go on with the refinance, we were given so much bad information that I do not trust that I'm not going to be forced to pay more money than they originally told us or cancel at the last second, despite their claims that it's been approved. I no longer trust big banks and will be pulling all of my money out and putting it in small banks.

When I call, all they keep asking about is when I will pay my outstanding balance. They are very aggressive and without any heart. Now, they are telling me they cannot process my loan any further until I bring my account up to date and pay off what I owe. This is the reason I seek help in the first place. I am so saddened and frustrated. I don't know what to do next.

Now, Chase is coming after our home. We have never missed a payment, or even made a late payment on this home. They are now telling us that they have not received October, November, December and January payments. All payments were made online, the way we've paid for the last four years without a problem. The bank acknowledges that payments were made, but Chase does not.

I have the advantage of being close to an actual Chase Mortgage branch. I have hand delivered paperwork to no avail. It is amazing to go to the source and see the lack of organization, communication and professionalism in their corporate hub in Jacksonville. Nobody knows what anyone else is doing and you have to wait to see a person, any person. I'm so sorry we bailed these people out. They are deliberately showing late payments and pinging our credit although we have never been so much as a day late. It's a shame.

After my husband had made the October payment, I got a phone call from the bankruptcy attorney that I had a court date because the mortgage was now two payments behind. I again contacted my husband who got proof that the payments had been taken from his account. I forwarded that info via email to my bankruptcy attorney and she told me not to worry, that maybe they were just misplaced. She would ask for a continuance. In the meantime, I tried on several occasions to speak with the BK department at Chase.

I am only allowed to speak with them. I have proof (that I attempted to contact them because it was on my cell phone) where I held for 17 minutes only to be disconnected. I could not get through to anyone in the BK department. I then went into a branch and asked the manager to help me. He was able to find that the October payment had been received but that the September payment was still out.

He told me that the October payment would be posted and gave me a phone number and case number for the missing payment. I tried to find out using that information if the missing payment was posted and no one would speak with me. I kept getting transferred from one department to another and no one would help. When I asked to speak to a supervisor, they told me that there was no one to talk to. And to make matters worse, the October payment was not posted. I had to go to court again and show that the payments had been made.

Another kicker is that Chase expected me to pay their attorney fees of $500.00. So did my BK attorney. When I complained, they asked why I felt I should not have to pay and I told them it was because if the payments had been made as they should have been we would not have been in court. Also, my husband's divorce attorney told him that if Chase was not going to post his payments, stop making them.

By now, I have been to the bankruptcy court and I feel as if my BK attorney has left me out to dry and Chase is determined to foreclose on my home. I have been making payments on the rental property myself and I am one month ahead. In December, my tenant was late paying the rent so when she paid me, I took the money directly to Chase to make the payment there. If I try to pay it via my online bill pay at US Bank, it is taking almost 12 days to post. US Bank was issuing Chase a check. They will not accept electronic bill pay for some reason. Anyhow, I went into the bank to make the payment and the teller refused to take the payment. I could not find out why from the manager or anyone else why they would not take a payment (I have since found out that if you file for bankruptcy, Chase will only accept a payment via Western Union or mail. Nothing like setting people up to be late).

When I could not make the payment in the branch, I was angry and contacted my BK attorney to let her know and see if she would know why. She misunderstood what I was asking and assumed that I was late on that mortgage as well. She asked Chase's attorney for a printout of the payments for the rental property. She forwarded that printout to me. And lo and behold, they did not post my payments on that loan for September and October until November (by the way, the missing payments for September and October on my personal home were eventually found and one was posted in November and the other in December). Now that I see that it has happened to both loans, I believe that this is a "servicing issue". Chase did not have the right to start foreclosure on me. They have been very unhelpful in trying to find the missing payments and trying to keep the house from going into foreclosure.

At one point, I decided to contact loss mitigation at Chase to see if they could help me. After 30 minutes of being on hold and speaking to 3 different people, I was finally connected to someone in the bankruptcy department. He was so hostile and rude to me that I hung up on him. Now, I have my home listed for sale and I am looking for somewhere else to move. My home is not worth what I owe so I hired a real estate agent that is an expert on short sales. I have nightmares most nights and wake up in the mornings from nightmares. I believe that what Chase has done is illegal. They also treat people who file bankruptcy as lepers and do their best not to be helpful. I never had any of these issues with WAMU.

At this point, I have to feel that I am not alone and I would love to join a class action lawsuit against them. I have no money so an attorney would have to take this on for free as far as I go. I have written Congress and the bankruptcy court. There has to be an obligation for lenders when the loan servicing is sold for them to locate and post the payments properly. There just has to be.

How much economic damage this will result in, depends on how long it takes Chase to credit back my checking account for the second mortgage payment. The next several business days could very well be very stressful for me. I have to check my online balance every day because any auto-payments that try to go through my checking account (Time Warner Cable, AT&T, etc), will bounce!

They say that I have to submit a letter to a review committee before they can lower the amount or actually do the right thing and setup an escrow account. They are really making it impossible for us and they have done something similar to us with our homeowner's insurance. They billed us an extra $800 for owner's insurance even though we have AAA homeowner's insurance. They claim that it was up to us to fax them the policy. We feel that they now could get back most of their money by foreclosing on us. They do not listen to my pleas of some sanity in their billing practices but it falls on deaf ears and to me, our leaders in Congress are acting like they always do, which is talk big about cleaning up banking but once elected do very little about it.

We provided all the documentation they requested. Weeks and months passed and all we heard back is that the file is with underwriting awaiting decision. Finally, today I got a call from Mr. Joey K. that our loan application is denied. The reason: because our current loan is a lender-paid PMI instead of borrower-paid PMI. I asked for the $750 refunded to me; he told me that we will only get $350 back as the $400 goes to the expense of loan application. After months of waiting in hope to refinance our home mortgage to lower interest rate, and $750 paid up front, we were told that the application is denied and our application fee is not entirely refundable.

They didn't request current info at the time of the reduction. They simply sent out the reduction notice and hope that you don't appeal it. In the notice, they don't tell you that they used inaccurate info so we didn't know they used our original mortgage amount. We found out by calling multiple representatives and asking how they arrived at $11,000 and one slipped up and told us. When we informed them of our true mortgage amount, we were told to fax in a recent statement and it would likely make a big difference but they didn't said they used the info they had at the time and it was our fault for not appealing it sooner. They say our only option is to pay for our own appraisal $400 and if it comes back high enough, they will consider and increase now at a 70% loan to value.

My concern is how many Chase HELOC customers limits where reduced with inaccurate info to calculate them. I went into our local branch and convinced the young branch manager to give me several high positioned Chase executives phone numbers that she apparently wasn't supposed to. Because now, they are asking me how I got these names and numbers of these executives but I can't get past their secretaries. I tried the proper channels and am not looking for a handout, we have 2 checking and 3 savings accounts as well as our HELOC all in good standing. All payments have been on time and above the minimum payment.

At one point, around five months into the process, I was informed by Eric B. that our house had to be re-appraised due to "a technicality", but that everything is still going as per plans. In fact, around that time we received another good faith estimate which indicated even lower closing costs than before. Although, I was concerned that for each month that went by was another month we were not paying off our principal (since we currently are in an interest only loan), the low closing costs and very good rate helped maintain my level of patience. It wasn't until early November, if you can believe it, that it was revealed to me that our closing costs will be more than double. After many attempts to find out the reason for this increase, it was finally revealed that the house appraised lower during the 2nd appraisal - the same appraisal that was issued due to "a technicality". Furthermore, it was also revealed to me that the reason for the 2nd appraisal was because the 1st appraisal expired - due to JP Morgan Chase's delays!

After many attempts to have Chase remedy this situation by either 1. honoring the latest good faith estimate, or 2. reimburse me for the loss of equity and the additional closing costs. All offers were rejected. We now find ourselves in a position of finding another lender at a higher rate, since the rates were lower a year ago than now. Also, if we had closed within a normal time frame, we would have contributed at least $4,000 toward our principal.

In addition to the loss of equity we suffered by not closing last spring, we are also faced with higher interest rates at this time. Our monthly payments, when we finally refinance, will certainly be higher than if we had closed last spring, either with JP Morgan Chase or Wells Fargo, who we were also approved by, but decided to go with Chase since they were our current lender. Over the lifetime of the loan, that could mean a loss of over $30,000.

Furthermore, Chase conducted themselves in an extremely rude and unprofessional manner throughout this ordeal and showed no concern whatsoever for what they were doing to us. After I am contacted by Consumer Affairs, I will be more than willing to share with your agency all the emails between myself and Chase from the inception of the process to its conclusion. The emails will speak for themselves.

Here are my complaints:

1. I reached out for help on November 3, 2009 it is January 10, 2010 and I have yet to ever speak with Tracey H and found out by the rude debt collector Juan on 1/9/2010 that I was denied help.

2. How is it that I received a call from a debt collector every single week and never talked to a person that represents Chase is a way that was designed to help a person in my situation.

3. I was told that you have to be behind in order for the banks to help you. I am now behind with no help from Chase.

4. Why does it take 6-8 weeks to get help and the help that is provided to you is like no other help I have ever received - you do not even get the opportunity to discuss options with a live person who is in a position to provide options.

5. The president has designed a program to help people in a situation such as mine and has afforded the banks to help us and Chase is not rising up to the occasion.

6. Chase would rather have your home foreclosed on than to help you keep your home.

7. Every time I call it is a different person who asks the same questions and they say that they are updating the system and if that is true why do they call and ask you the same questions and have you repeat your hardship over and over. I have faxed Tracie H on several occasions and I have yet to this date to have had a conversation with her. I am beginning to wonder if she exists or if her name is the name of a team. Chase banks are popping up, the old ones are being remodeled, and it seems they have used the governments bail out money to help themselves not the consumers.

Chase called me and said my modification was with the underwriter and every thing was fine, this was around Dec. 16, 2009. Then on Jan,4, 2010, I received a letter dated 12-11-2009 saying that my modification had been denied, and there was nothing else that could be done. Chase said I had insufficient income.

Loan processor asked me to send my loan documents from the company they had purchased the loan from (I had to show them that I didn't pay PMI). I received voicemail today from loan processor indicating that loan was "declined" because Chase has the option to not move forward under HARP without PMI (as they discovered they were paying PMI on my behalf). I cannot continue to pay my mortgage amount and wanted to extend my loan from 20 years to 30 years. After three and a half months, I was under the assumption that the loan would be going through to settlement. I am now back to square one and out $750 that Chase stole from me on the day they approved me for the application.

I called several times, and when I was lucky to get someone on the phone, I received conflicting information every single time. I felt like I was calling a different bank every time. After many attempts and a few more months of wasting my time and money, I got a hold of Monica ** who took all of my financial information and then told me that I was pre-qualified for a Chase Loan Modification and that for the next 3 months, I was in a "forbearance" period paying $1,550 a month. And after that, if I was able to make the 3 payments, then I was supposed to get approved for that amount on the modification.

I completed all 3 payments, and after that, I received a call from Chase telling me that now I was qualified for the Make Home Affordable Program, and that if I accepted, I was to be in another "forbearance" period of 3 months but at $1,240 a month this time. And at the end if I did not miss the payments, I was getting approved. 5 months since the second offer by them, I'm still waiting for their decision.

I faxed all the docs they requested 3 times now, and after I did, I got told that all the docs were in and good. And then a week or two later, I got a call or when I called, they told me that my documents were not there or that I need to send updated pay stubs and other documents. But nothing ever gets done. When they called me, sometimes 3 times a day, to collect the money that I'm falling behind since they put me on these 2 different "forbearance" programs, their reps always have conflicting information and they do not even know that I am on the modification process and are extremely rude.

When I asked to speak with a supervisor, they are always in meetings. I just got told by one of their reps tonight that "He works there, because he does not have anything else to do and he likes to talk with people." in a very sarcastic way.

In addition, I was never briefed by Chase that during the modification process, I was going to actually fall behind on their reduced payment amount option and that there was no provision for that. Right now, my credit is suffering and is destroyed, because they have me as paying late every month and behind $12,000 on my payments. If they run these programs, how is it that there are no provisions to take care of the problems that are created to those that were never behind on payments when we initially asked for assistance?

Now because of their "doings," I really risk losing my home if they disapprove the modification, because I am so deep in the hole now. Had I known this, I would had possibly taken other routes with this. I cannot get anything with my credit now, and it is causing a lot of pain, psychological stress, and health problems for my family and our stability.

Initially, Chase told Quality loan service to put a stop on everything, since the sale was being rescinded, and being recorded with the county office. Somewhere along the way, Quality Loan Service proceeded with the foreclosure. Quality Loan Service states that they were instructed by Chase to proceed, because we were denied a home loan modification, only we were never notified of any denial or grant of a permanent work out plan. So, to sum this all up, Chase collected money on a note, which they didn't even own for a while, committing fraud, and also proceeded to foreclose our home, while telling us there was a stay until the matter was sorted, another act of fraud.

Now, interestingly enough, Chase has not given anything in writing to us, regarding our home, yet their actions speak loudly for itself. We have a foreclosure on our record. We are in a dire situation with wanting to keep our home, but they are refusing us a loan modification, even though we can afford to pay the full original payment now.

They have been charging me late fees of $170 a month even though I have not been late on a payment in the last 5 months. I cannot get anyone at Chase to send me monthly statements and nobody can tell why! I do not have the money to hire an attorney and I do not know what to do, so I'm sending this letter to everyone I can think of to try and resolve this problem.

Obviously, this is simply not true - I have documentation proving otherwise. I have faxed them, called them in attempts at showing them how wrong they are and endlessly tried to resolve this issue while providing them with this information and no one - not even this so-called person assigned to my "case" named Betty ** - ever responds. I’m at the end of my rope. I have kept records of people I have spoken with (persons spoken to and dates), have receipts of fax confirmations and letters sent, but they still deny this. I’m still in search of employment. Dealing with WAMU/Chase on a daily basis has resulted in my suffering from migraines and stomach problems due to the stress it’s caused me. In addition, I went from having excellent credit to now terrible credit due to their false claims. I would greatly appreciate assistance and look forward to hearing from someone who can actually do something and get answers.

It is now day 77 and we have heard nothing from Chase. In fact, we have never heard anything from Chase, not a phone call, not a letter saying that our application was received - nothing! The only contact has been when I have initiated contact and it is now going on 8 months since we began this process. Now, when you call the customer care center and are put through to the imminent default department, there is no recording, no music, nothing to let you know whether or not you are connected with the department and the wait time is often over 30 minutes. The frustration and anxiety of this entire process has been enormous! Not knowing if we have been approved or denied leaves us in limbo and the constant worry over defaulting on our loan is tremendous. Maybe we could have applied with another company and have had this resolved by now, saving us money each month.

I have provided all the necessary documentation to the bank as requested and on time. I am just asking for a decision to be made on my loan modification request. I was told today that I should fax them the form and call every week to check on the status of the request. My issues with Chase is that they have done nothing for me as a paying customer (I continue to pay my mortgage payment on time when due). I don't feel that a customer should have to be put on hold for over an hour to be told that there is no update on their request. I also feel that if a revised or updated document was required of me for my request, this should have been told to me in writing or during one of my many calls previously.

Chase should be ashamed of the way they treat their customers and should do a better job in handling their customers' needs. It is absolutely absurd that any customer should be placed on hold for over an hour regardless of the call volume. In addition and more importantly, a decision on my modification request needs to be completed shortly. This process should not take over 60 days to complete.

When we contacted the bank, they told us that the mortgage company had made a mistake and taken it out twice. The transaction was reversed, and the bank said the money would be back in our account and all NSFs would be taken care of within a week. In the meantime, some of our payments on bills were kicked back due to lack of funds. We asked the bank if there was a chance that the mortgage company would run the payment through again after it was reversed, and they said they spoke with the mortgage company and posted notes on the account so that it would flag it in case it happens.

On December 22, they did it again. This time, the bank said that they are only allowed to reverse the transaction once and that when they notified the mortgage company, they said that since the mortgage is due on the first, it was close enough and that we should consider it an early payment. Why should I have to pay for someone else's mistakes.

I was then told to submit the two most recent pay-stubs and bank statements as the ones that I had sent with the original paperwork back in July were too old. I made the October trial payment as usual, but then I received a letter via FedEx on 10/2/09 stating that my modification is at risk and urgent response needed. It also threatens that I will only be given a one-time extension of the deadline. The letter states that I failed to provide income documentation (2 most recent pay-stubs), signed IRS Form 4506-T, and a signed hardship affidavit. These were all documents that I provided with the original trial paperwork back in July. However, on October 12, 2009, I used the fax cover sheet that was provided by Chase in the recent 10/2/09 package and faxed and sent via FedEx the documents they requested. I again receive the same modification is at risk letter via FedEx on 10/16/09 asking for the same documents.

This time I called Chase to let them know that not only did I send the documents back in July, but I also faxed and sent via FedEx another copy on 10/12/09. The Chase representative Larry (code **) in Tempe, AZ stated that I should have sent bank statements, IRS returns from 2008 and 2007, W-2 Forms from 2008 and 2007, and proof of insurance. None of these documents were ever requested by Chase. In fact, the letters from 10/2/09 and 10/16/09 state that income documentation, if salaried or wage employee, is two most recent pay stubs including year to date earnings; if self-employed, those are the four most recent bank account statements and most recent quarterly or year to date profit and loss statement. I told Larry that since I am salaried, I didn’t think I needed to send in my bank account statements and that I didn’t understand why I had to provide the IRS returns since signing IRS From 4506-T basically gives Chase the right to request copies of them. Larry stated that he wasn’t sure what the letters are requesting, but these are documents that he tells people to send in if they want a modification.

So, on 10/23/09, I faxed and sent via FedEx the documents that Larry suggested. I finally get a call from another Chase representative, Tanya, on 10/28/09. She tells me that the IRS returns that I sent in were not signed by me (I normally send them online), so once I sign the returns and fax them back to her, I should hear back regarding the final modification within 3 weeks. Six and a half weeks passed and on 12/14/09, I tried calling Tanya several times. Her voicemail inbox is full and I cannot leave a message nor transfer to the operator as her voicemail greeting suggests. I then called the phone number for Chase to make a payment and that representative told me that they have been trying to get a hold of me because the final modification came in and it looks like they raised your payment back to $2000 since my income increased by 20%.

I am not sure how they figured they should raise my payment 66% when my income increases by 20%. And I am pretty sure this income increase they are seeing is either my annual bonus or the 401k money I took out in 2008. I feel that Chase intentionally did not execute the final modification in a timely manner and that they have been fraudulent in handling the requesting and processing of my documents. At first I was very serious in staying in this house which has been home to me and my two young girls. But now I have run out of trust in dealing with Chase and am seriously considering getting away from this house and Chase and starting anew.

I have complained several times, including to Sara **, (866) 766-2165. Today when I tried to reach her, I got a message that the office is closed. The last time I tried to reach her, I did not get a response to my message. The time before that, she indicated I should hear within 72 hours as the underwriters have so much information already from me. That was several weeks ago. Recently I sent an email to Ms. ** and asked for the status of the loan. She sent a reply email indicating it had been denied due to the Special Assessments. However, she asked for 1 more day as she thought she could persuade the underwriters to reverse this decision. I waited and heard nothing from Ms. **. Today I am unable to reach Ms. ** who handles the loan as she is on vacation and will not return until the 4th of January. Today I have tried phoning several of your offices for help. I've been transferred 3 times. The last time I was transferred, a recorded message indicated the times the office was open EST, and then disconnected me.

When I look online at your website, I notice the following message from your Chairman and Chief Executive Officer, Jamie Dimon: "It's our responsibility to hire the right people, develop their skills and outline the business principles that are fundamental to our collective success." He is speaking of upholding the character established by Mr. J.P. Morgan in 1933. I am afraid that I have not been successful, and I don't think your organization has been either.

Later Mr. Dimon writes about supporting consumers, "we seek to provide clear, understandable disclosure about terms and conditions for everyone to understand..." Sadly, I have not got a clue what is happening to my loan! I get no clear message from anyone I speak with. I do hear misinformation. When I tried to contact the department who handles complaints about this matter, I was disconnected.

Mr. Dimon further writes, "This means emphasizing the tailoring of our offerings to clients' needs, and providing helpful, responsive customer service." I am afraid I have generally not experienced this "helpful, responsive customer" service. At this time I am contacting you to ask that you put right the situation, immediately. I have excellent credit (as testified to by the copy of the credit report your firm sent to me). My income from my job is $90,000/yr. I have 4 properties that currently have tenants generating approximately $4,000/mo. My expenses do not exceed my income.

Ms. ** referenced the Special Assessments as a reason for denying the refinance. I wonder if the underwriters understand that these are simply taxes? In the state of North Dakota, where the property in question is located, special assessments are charged in areas where improvements are needed, such as for roads. Since the property is in Fargo, ND, the city would look at an area of town where work needs to be done, charge the residents of that area via a Special Assessment (rather than issuing a tax to all property owners in the city) and notify them of the assessment. Typically these are paid off in installments.

I have sent every possible item I can think of to Chase. I had to send my tax returns for one year twice as some of the pages went "missing." I'd like to add that this is quite worrisome because at about the same time I was notified by Master Card that they were issuing me a new account number as there had been some suspicious activity related to my account. I'm concerned that this activity may be associated with the "missing" pages of my tax return. I would appreciate an immediate and clear reply that includes the status of the loan request and explanation of the problems that have plagued this process.

When I called in September, I was told that my application had been passed on to a department where it would be approved. However, when I called that department, I was told that although the officer assigned to my application was not in, it would be rejected. Further calls told me it was still in process. In November, I received a request for forms that I had sent with the original (checked) July package. I responded right away. In November, I was told that case had been opened at the end of October and that other forms needed to be submitted - all of which I had submitted already, some twice. This was verified by the person to whom I spoke. In December, however, I was told (only when I called to check) that our application had been rejected as a result of non-compliance. No reason was given. I was told to reapply for a loan modification! I sincerely wonder if Chase has ever approved a loan modification.

After reading some of the other complaints, I can't help but wonder how they are allowed to stay in business. Interestingly enough, I recently made an online purchase and was asked to fill out a survey on the service I received. I filled out the form and I think rated one item a 4 instead of a 5. I actually got a phone call from that company asking me to reconsider my score for that item because it could adversely affect their internet standing (I changed the rating). What if we consumers could bring biggies like Chase under that kind of accountability? They certainly deserve it.

On November 30, 2009, I checked and noticed that our November mortgage payment had not been drafted out of my account. On the 1st call, I spoke with someone in India. I was told that I was not able to make another payment because the loan had matured. 2nd call, I spoke with Freddie. He told me to go into a branch and make the November payment. I tried to pay in the branch, but was declined. 3rd call, I spoke with someone who told me she was sorry, but there was nothing she could do. On December 1, 2009, the November payment was mailed to Chase Home Finance, POB 9001123, Louisville, KY 40290-1123; Check #** was cashed by Chase in the amount of $1,177.41.

On December 10, 2009, I faxed written request to the Chase Balloon department requesting them to lock in a fixed rate 23-year loan for us. December 10, 2009, we went to the Chase branch on Windward Parkway, Alpharetta, GA and spoke with Ms. Nora **. She was on the phone with Chase customer service Charlyn for over 2 hours. We were given 2 case numbers - ** and **. December 14, 2009, I called and spoke with Felicia. She noted the account with all the information listed above. She told me to re-fax the balloon department with the above notated information. A new work order (#**) was created for create amendment. The bank ruined our credit and started the foreclosure process.

The new buyers wanted to pay cash for the house. The buyer's title company put in a request for a payoff statement on 12/3/09 and have yet to receive a statement. The realtor then asked me to put in a request, and I have yet to receive a statement as of 12/14/09. I have called several times, and they passed me around. I even threatened to sue them if I lost this cash buyer due to their negligence.

Today, I called and they told me that every time someone calls for a payoff, they cancel the last request and just work on the most recent request. So why have they not sent the first request to Commonwealth Title Company from the request made on 12/3/09 since it was the 8th before I called for a request? I talked to Amanda on 12/11/09, Friday. She promised an expedited statement by the end of today, Monday. The agent called and had me check the status, and that was when I found out that Amanda did not expedite the request, as the new girl Katy said that she would not be able to put in the request if someone would have already done that.

So here we sit, and after the 15th, Chase will start charging me 5% penalty fees. All I wanted was a payoff to be able to get the money to pay off the loan. I actually think it is intentional, and they just want to collect more fees. I would never recommend Chase bank for any serious banking ventures other than a simple checking account and then your overdraft fees would be $35.00. I am just trying to do the right thing and pay off the loan, so I can move on. The middle class in our country is on a downward spiral. Who is going to pay all the taxes when we are all broke?

After months of faxing and re-faxing financials and loads of misinformation, unreturned phone calls and emails, we almost just gave up. Then we were contacted by Chase and were told that they had received all our information and we were moving to the next step in the process. We were then told that we were being placed in a 3-month temporary loan modification, which would be what our monthly payment would end up being once we closed. We then set up automatic payments for the modified amount and when we made our first modified payment, we started getting calls from collections. We immediately called Chase to find out why and we were told "Not to worry, that we were technically in default but it would be all cleared up once our loan modification closed."

Now because we have done everything Chase has told us to do, we are $12k in default of our loan and have been denied our modification for the exact same reason we were told we qualified in the first place. If we had known or been told that going through this process would affect my credit and put me in default, I never would have done it. Now I'm left with either paying back the $12k or a short sale. You need to know what Chase is doing with our tax dollars with no intention at all of helping homeowners. In fact, it seems just the opposite. My wife and I feel like we've been duped by our lender because if we hadn't listened to Chase and started this whole process, we'd be fine. We are now forced to seek litigation to try and save our home and restore our good credit. The more research we do, the more we find that we are not alone.

I was definitely getting the runaround. When I asked why I was not getting any communication from them, they said it was up to me to communicate with them. How unrealistic is that? Now, I am being told the file was sent to underwriting on December 3, 2009 and that I may not hear anything for 60 more days. I find their business practice to be deceptive and uncooperative.

They said that they didn't have to tell them because they are proprietary guidelines and that there's not a rule that they must have something done within 60 days. Then I was told that my file hadn't gone into final review until November 3. So, after much more frustration of dropped and hung up on calls with no direct numbers or specific people to talk to, I finally got someone to listen to me for 10 minutes and asked for a one-month reprieve of the loan and to have it moved to the back of the mortgage. I had to call 5 times that day to get through to someone. It took me over 3 hours and was told at the end, before they hung up on me again, that I couldn't have a loan modification if I tried to get a 1-month reprieve. Then they put me on hold for the 200th time and the system then hung up on me like it often does.

So December 2 came and went with no call or contact from the bank as to what they are going to do with my loan. I was just asking for them to be civil and move forward with my file as we have made the payments but can't afford to keep up with them currently. They also said that I may not qualify because I have a cash reserve, too. I'm so flippin mad at them I could spit! Everyone tells me to stop making payments so they will give me some attention. The system is so screwed up. I've got a 788 credit score and no other debt but a high CA mortgage and just need a modification of the current terms so we can keep our house and our 4 kids in it. Please call with advices and help as to how to get Chase Mortgage to move and call me with terms for the modification. My work number is **.

Now six months later, I have an elderly woman purposely garbling her name yet speaking very clearly otherwise telling me to call her to check my status. The first number she left works. It sends me to the general customer service location; the second one sends me to a personnel line! What the heck was that about? I called to find out where I am at with this process only to be told they don't have any of the information I already sent them. The rental agreements, the complete signed tax forms, last two paychecks, hardship letter, and utility bills from the property. They need them again. In the same breath, the man on the phone told me they didn't have the information. He says the last paycheck stub they have is from January 2008. I'm confused. I thought you didn't have anything firstly, and secondly, I started this process a long time ago and have since sent updated check stubs and called to verify receipt due to the fiasco of the first faxing. Where did all this information go? Oh yeah, and how did the loss mitigation process even start if I didn't get all this to you in the first place?

They had to have all the information to open a case and give me a trial period while they worked on this loan re-modification or so I thought. I guess I must be missing something. Not! I believe they are missing the common decency to communicate with the borrower in the first place. Surprisingly, that would seem like a good idea to me but apparently not to them. I have a sneaking suspicion they are going to foreclose anyway despite payments through this waiting in the dark period and not tell me until the last minute. I have talked to a few lawyers and they really have no idea what to tell me. They don't even know what to think or how the whole process is working. I have also asked about credit reporting because it seems my credit is all locked up and will continue to be until this is either resolved or not. This does not help with trying to get debts consolidated to make life easier and open up monthly income to get out of debt. What a wreck! Not to mention all the family health issues that went on during the last year, a major move to come be available to the family during all this at the same time. It has just been one nightmare after another.

First, I know for a fact that they have backdated the date on the letter because it is impossible for them to send a letter before the date of when I sold the house on Nov. 27th and canceled the insurance on Dec. 2nd. 100% this has to be a dishonest practice. It is impossible for the letter to have Nov. 25th date. Funny thing, they can tell when my insurance was canceled, but still do not show the electronic check that was sent to them on Nov. 27th for the payoff to release my escrow balance of $2,600.

My credit has been totally trashed by this company. What once was a credit score in the 700's is now maybe 560, thanks to them. They have caused me unmeasurable stress and has had me in tears many times because of their I don't give a crap attitude. I was beside myself and had no recourse but to refinance my mortgage just to get away from them.

Finally, they set up a closing date, the day before they called me and said that the underwriter made a poor decision regarding my loan and that they had to look into my loan a little more. Two weeks later, they called me to tell me sorry you are denied because of your income. I am already paying a lot more for my mortgage now than I would be with this 5%. How does that make any sense? Needless to say, I got back only $350.00 from the $750.00.

In my opinion, I think they are scamming a lot of people and making a lot of money while doing it. I wish there was something we could do about it. It’s pretty sad that all you see all over the news and TV is how the president is trying to help people keep their homes, and then you have these people from Chase taking money from them that they didn’t have in the first place. I wonder if Obama is aware of what is going on here. I was emotionally abused by this company causing stress and frustration while I was recovering from surgery.

He pre-approved me by phone and said I would have to charge the $750 application fee to a credit card, which I did. I specifically asked him two things: 1) I did not want to have to close my existing HELOC, which is also with Chase; and 2) would I be speaking directly with him through the process or would I have to go from rep to rep. He assured me I would not have to close the HELOC and that I would deal directly with him. He gave me his direct phone extension.

I followed all the instructions from Chase and the bank's attorney. During the process, I had questions and repeatedly email Mr. Shawn and left voice mails with no response. In early November, I was told they were just waiting for the subrogation department to complete my second mortgage and that we were right on time as most loans were closing in 45 days. During the process, they did ask for documentation confirming my residence was a co-op, as they said some Washington Mutual documentation showed it as a single family. I forwarded what I had, and also, the UCC documents from their attorney clearly show it as a co-op.

Again, I started emailing and phoning as my lock would expire on 12/15; but as usual, I got no response. Yesterday, I placed a dispute on my credit card for the $750 application fee. I emailed Mr. Shawn and Patrick, the processor, that I had done so. Then after reading all the customer complaints, I realized my loan was never going to come through. I also said I would be filing a complaint with the State Banking Department as soon as my lock expired.

That email evoked a prompt response. I was told that underwriting had just returned my application the day before (What a coincidence.) and they were now offering a full documentation mortgage and requesting further paperwork. I responded that I would not qualify for a full documentation mortgage due to my part-time employment status and requested a refund. I was fortunate that they agreed to refund the $750 application fee. I am still following up with them regarding reimbursing the $175 fee paid to my co-op's attorneys for the required recognition agreements. In the future, I will not give Chase any more of my business. They are unprofessional, and I agree with others on this site that it appears to be a scam to get $750 from each applicant and then blow them off! Once my credit card is refunded, I will pursue my NY State Banking complaint.

It is December 3 and it is still not corrected. They have since reported my to the credit reporting bureaus as paying late. Every time I call them, they say I am late with this payment and I have to tell the collections department the whole story over and over, even though there is a case number assigned. I now have a late payment on my credit record and my credit score has been lowered. It will take at least 3 months to get this corrected. I am in the process of looking at investment property and will have to make the case to another mortgage lender about this whole story.

Some months we were told not to send a payment for at least 3 months while they worked on our mortgage (with the promise of them not ruining our credit and that to make the modification process work, we had to be late on payments. However, it would not be reported to the credit bureaus) and then we would be asked to send a lump sum of money for the 3 months back payments. We would do as told, while the bank promised that they were still working on modifying our mortgage. For a period of 3 months after, we were asked to mail $1,150 as our mortgage payment instead of $1,420, which we did. Then finally, one year after, they came back with a decision saying that our modification request was declined and our mortgage has changed from $1,420 to $2,918 per month.

During this period of time, even though we have always made extra payments towards our principal, our principal amount has also gone up. The bank/Chase has gone ahead and paid our taxes, even though we were caught up on our tax payments (we now have a credit balance at the city hall) and had never been late before on our taxes. Chase has also gone ahead and paid our insurance company directly, which before we paid them over a period of 8 months. Now, they are billing us for the total amount of the taxes, insurance and the escrow, $2,818, every month until we are caught up. If we were having difficulties paying $1,420 for our first mortgage and another $300 on second mortgage, how are we going to afford to pay over $3,000 now?

We have tried everything we can, from writing to the BBB to writing to the bank. No one is helping or listening to us and we now have nowhere or no one we can call or ask to look into this matter to help us. We had never deferred or been late on our payments before with WAMU, but Chase is working hard on damaging our credit and pushing us towards foreclosure. When we tried to ask them to work with us, they have asked us to short sale our home and move out or they will foreclose us. Where are we to move to if we sell our home? This is the only home we have known for 3 years. We have pleaded and tried to work with the bank, but they refused us any communication and threatened to foreclose us if we do not pay them the $2,918 within a month. Please advise us on what to do or who to ask for assistance.

The physical and economic consequences to me are devastating. I have filed for bankruptcy and I am losing my home of 15 years. I have to move in with a friend and I will be losing my clients due to this forced move. I feel utterly disgusted and violated by Chase’s actions. How can this country give bailouts to the banks and allow them to legally foreclose on a person’s home at the same time as being in the process of doing a loan workout? There are a frightening number of complaints that are like mine documented online. How many more lives have to be destroyed in the process? How much more damage than this can be done to destroy the fabric of our society? I want recourse. My house is being stolen from underneath me because Chase Bank had no intention of helping me or millions of others to retain their homes. A class action lawsuit needs to be filed. When is this nightmare going to end? And when is an attorney going to fight for us and have the courage of his own convictions?

On Monday morning the closing date expired and still there’s no bank packet. We were told that they were waiting for employment verification, which they had received repeatedly early in the process. The loan officer had stopped returning our phone calls in the final week before the closing date and her manager was very cool and arrogant with us. On Tuesday morning we woke up smart and applied with another lender and terminated the loan with Chase. We also pulled our funds from our account with them and are cancelling credit cards.

I believe they never intended to grant the loan and were planning to string us along until we grew tired of their game. Chase wants to sit on the money that the government gave them and does not want to lend. We lost our processing fee, but learned a valuable lesson not to deal with them ever again. This bank should have been left to fall flat on its face and should never have received any bail-out money. Our country is in real trouble when the folks who are still working and paying their bills are not granted loans to help stimulate this economy.

A week later, I went to the bank for something else concerning my account to find out my account was negative and I didn’t know why. I left to check my account online at home to find out that the unauthorized payment was taken from my account on 9/16, which caused my bank account to go into the negative. I then faxed over my Bank of America bank account statement to the research department verifying the unauthorized debit transaction on 9/16. The research department sent me back a letter stating that I need to prove the unauthorized transaction.

This incident has caused my Bank of America account to be in over -$500.00, causing all my auto debit transactions to my account to be stopped from paying my other bills. Also, the few purchases I was making before I found out about the negative balance were considered overdrawn. Now, Bank of America is now calling and has sent a letter informing me that I will be turned into collections if that negative balance isn’t paid. I’ve also talked to a Bank of America representative who informed me that it wasn’t the bank’s fault for allowing such a transaction to go through clearly noticeable that there was not enough money in my bank account to cover that $607.00 check. The Bank of America rep said it wasn’t their fault for causing my account to be negative.

I informed him that it wasn’t my fault either and that between Chase and Bank of America somebody is responsible for this. I also have a parental savings account with BOA where $25 per week was transferred to my primary checking. That $25 auto transfer knocked down the negative balance that the unauthorized payment caused. I stopped the transfer. I have had to open another account with SunTrust Bank which cost me money to open the account.

Today, they said they show no modification notes showing us wanting the five year plan. I cannot get any answers from Chase, just the runaround. We have provided everything to Chase to process the 5 year modification plan, including continuous updates. I do not know where else. Consequences: loss of sleep, emotional melt down, and stress.

So, I called today to make my November payment and Chase told me I am in foreclosure and they stopped the fresh start program and even though the mailed out the ad for me to accept the program, everyone is not approved. So I need $4,285 today to bring payments current and they will not accept my November payment and my file was mailed on the 24th to the attorney’s office! I asked for a manager and he said they ended the fresh start program and he was sorry they said I was approved, but I need $4285 to stop the foreclosure! I instantly burst into tears because I feel that I have been scammed by Chase!

They FedExed me a program that is bogus and the representative lied to me and said my payments were added to the back of the loan. Now I am facing losing my house that I have been in for 10 years! I don’t know what to do. I asked the manager, “Isn’t all conversations recorded? Please go back and pull the tape.” He said yes, but that representative is no longer working there. So the conversation I had with her does not matter and the fact is I need $4285 today. I am outraged! They told me I was 100% approved because I qualified for the "fresh start" program. Now that I am now 4 months behind, they tell me there is no longer a "fresh start" program and either I come up with the money or I lose the home! What kind of mortgage company is this?

I have been communicating with Scott ** in the legal department and his standard answer is to apologize but that it has gone through all the channels and was approved but that WaMu, who was the original lien holder, will not sign off on the transaction. Instead, they have sent me a modification package which I have been working on for close to 3 months and they have made that process very hard as they keep demanding the same information over and over again. I have probably filled out 3 different packages for them and as of today, they agree that they have all my information. It remains to be seen what they will tell me next. Customers should be able to file suits against them but they are so big and the government will not make them do what is right.

When I called Chase back about this matter, they told me to be glad that I was $50,000 less in debt & hung up. They would not answer my phone calls or return my calls. They said our home appraisal had come in less than they first thought and that that was why it's for lesser amounts. I said that I should have been notified of that fact and that I should have had a say in which bills got paid in that event. I then had to put monies back on some of my cards to make a payment to the omitted card, as they had been expecting the payment they had been told was coming. This was 2 years ago.

Now, with the economy even worse, we are trying to survive on my husband's social security while we are unable to draw anything from our business, which is up for sale. Back in November 2008, my husband got diagnosed with cancer. Now, we are in even bigger financial troubles. To make matters worse, Chase upped our payments from $898.00/month to $1000.00 and our income is $1305.00. I called about the loan modification program. They said we didn't qualify for the Obama plan but did qualify for their in house plan, so now the process begins.

We were put on a temporary $531.34 payment plan for 3 months, while going through the modification process to make this permanent. I faxed everything they asked for, as requested. The 3 months went by, and then, they called and said they needed more info and that I have to download this modification packet from their website, fill out, & send back. I did this and was told they have everything they needed and a 4th payment was set up. Then, I got a letter from their Chase Fulfillment Center advising me that our home is in danger of foreclosure.

I called them and was told that even though this was in the works, I have interest and late fees building because payments aren't in full. Then a 5th payment was set up and was told they now needed more current info. I faxed what they said they wanted now & called as requested. Once again, I was told they have everything and were going to rush it through their underwriters to get this completed. Then, they called and needed 3 more pieces of info, such as an award letter from social security. They can see clearly on my bank statements what is deposited from social security!

Now, I am having to make a 6th payment & was told to keep making these payments until I hear from them. In the meantime, late fees and interest are continuing to build. I was current but unable to make the payment owing at the time this all started due to doctor and hospital bills that had to be paid at the time of services for my husband's cancer treatment.

I am now behind in the last statement $4069.14 due to these fees and still getting foreclosure letters. I don't even have any assurance that modification is going to go through at this point or when. From the beginning with refinance to ending with a modification, Chase has put us farther into debt rather than out of it, which was the whole point to begin with. This is on top of what credit card companies are now doing to us and everyone else like raising interest sky-high and lowering limits to below what is owed, so they can charge more fees. Life has become very bad. But that's another story.

How can this be right? What can be done about this? I have a credit score of 750 (because I pay regardless of treatment) and yet still get treated this way. It's absurd. I imagine there has to be something illegal about manipulating the available credit and then raising interest rates because of it. I am making every attempt to close every account I have with Chase but that I'm sure, they are aware it's not always that easy.

At this point, she started to yell. Yes, yell at me. "Sir, you are not listening. Your loan is not paid off, why can't you understand that!" Miss, you will sure go a long way in your career in customer service. Click. The call was hung up on. Where's my escrow balance check of $2,600? They have been paid off and have kept my money. I am tired of this crap. The banks always come out ahead. Just the other day, my wife went to withdraw a large some of money, supposed to be for cash and the manager told her that she would have to get a money order. So now we went back to cash the money order and guess what? 3-5 business days to cash it. That means they will have the extra cash for almost 2 weeks. Doesn't sound like much, but let's say they do that with a million dollar. At their 22% credit card rate, that 2 weeks equals $9,369 in profit for just delaying payments.

About 4 years ago, I got a similar note from Chase - they have the mortgage for the condo I live in. Our condo community has more flood insurance than Venice so I promptly faxed the forms showing we had flood insurance and figured that would be it. I was traveling a lot for work at the time so I had my bills set on automatic payment because I wouldn't be able to monitor my mail closely. Somehow, Chase ignored my flood insurance information and bought me flood insurance (of course from the Chase insurance company) and they started adding it to my mortgage bill. It took four months before I realized what was going on and by then they were registering me as late payments and it had messed up my credit score.

It took two years of fighting them every month before I finally got them to admit they had made a mistake and they finally fixed my credit score (luckily, I saved the original fax to them with the confirmation that it sent). So now, it seems we are starting this cycle all over again. Do yourself a favor and run like hell from this company!

I contacted Chase before we stopped making payments to inquire about options and was instructed to complete financial hardship paperwork. I completed all of the required paperwork and sent it to Chase. I was also informed that the property needed to be on the market for 30 days before Chase would consider a short sale. It has been on the market for 45 days.

As expected, collection calls from Chase became a daily ritual. I have spoken to at least 1 collector who was very kind, wherein I explained my situation in detail. I was assured it was noted on my file. This week, I spoke to Mrs. **, a financial counselor for Chase, calling from the same 1-800 number from Chase (by the way, that number if you call it has been disconnected). Again, a very nice conversation and detailed to the extent that she pulled up my file and noted that all of the required documentation was in place. She asked me to fax over a real estate agreement for the short sale; I did so the next morning.

Alas, today I received another call from a Chase collector, Edward **. He identified himself and advised me of the normal legal collection debt language. Like a good collector, he jumped right to the "chase", "Can you make your payment for your outstanding debt over the phone right now?" I responded with a simple "no". When asked why, I responded with, "do you have my file available?" His response was quick to rebut, "why can't you make your payment?" After a few go-arounds with "read the file" and "why can't you make your payments", I was beginning to feel uncomfortable dealing with Edward. I asked for his supervisor. He simply responded that there was no one available. Edward then stated he would note my file that I refused to answer his questions.

Feeling quite frustrated, angry, and anxiety setting in, I asked him if the conversation was being taped. He replied, "yes". I then asked again if he had reviewed my file. He ignored that (repeatedly) and was persistent with the idea that I was refusing to answer any questions. I consider that harassment. I voiced my concern with Edward and advised him that I would file a complaint. He denied that he was harassing me. I told him I was uncomfortable talking with him, and I gracefully said good bye and hung up.

If I was refusing to help Chase understand why I can't pay the mortgage, why would I answer the phone knowing full well that Chase was on the other end? In normal debt collection practices (I work in healthcare), collection agents have full knowledge of prior contacts and access to files to understand the nature of the balance owed or debt. What is wrong with Chase? Yes, they want to be paid and the collectors are incited to collect. I truly understand what their role is here, but is harassment the way to pull blood from a stone? The information should be, and probably is at, the finger tips of the collectors.

In this economy, lenders must show some compassion for people with a real and justified need. I won't spare the details of my situation, because everyone's is different. But I feel that I have done what I need to do to afford Chase the honest communication and work with them to negotiate reasonable solutions. I cannot and will not tolerate nasty calls that make me uncomfortable. I am not angry. I feel genuinely emotionally upset. I, therefore, will not speak to anyone from Chase unless that individual gives me the respect I deserve based on my honest commitment to reach out and manage this unfortunate situation. I do, however, want to hear from others about the nature of the treatment they receive from Chase collectors.

We finally got an answer in November. We had been declined. We were told that we were declined because my husband's income was adjusted and we were no longer in a hardship. In the seven months we were waiting, we fell further behind. I contacted Chase to try and work it out and was told that I couldn't get an extension or deferral because Chase doesn't own my loan; they are the servicer. I was lied to by several Chase employees and told by a Chase employee to contact NACA and lie to them about my situation. I refuse to lie to anyone in order to get what I need.

I want everyone to know what is happening with Obama's bailout. I need help to find out what my rights are and who to complain to about Chase. Please help. I need an advocate so I can keep my house.

I have additional information about my original complaint with Chase Bank. They have still not corrected my account. On the 23rd of July, I conducted a conference call with Ms. Agnes, the account supervisor in the customer advocate center at Chase, and a customer service representative from Andrews Federal Credit Union to discuss how Chase was not authorized to draw funds electronically from my account. Chase attempted to draw the funds from the account causing bank charges to be assessed to my account. Andrews sent me a letter referencing the transaction, and I faxed it to Ms. Agnes. To date, these monies still have not been credited back to me.

Also, my November statement still shows unpaid late charges assessed to my account. I was only late one month. I made 2 payments in the month of September - the September payment for $1781.40 was made prior to the 15th for my September payment, and $1851.53 was made to cover the August payment shortly after that but was after the 15th of September. I don't think it is right to charge me two months of late charges when in fact I was only late once.

It has been awful trying to get assistance with my account at Chase. These problems started in May with the electronic debits from my account. I have spent hours on the telephone with Chase representatives only to be transferred from one department to the other without resolving the situation. At one point in September, I was even laughed at on the telephone having to use my home phone and cell phone at the same time to get assistance because of hang-ups and disconnections and being transferred from department to department for hours and never having the issues resolved.

I am hoping that the Better Business Bureau can assist me in this matter. Chase says its goal is to provide the highest quality of service for each of its customers. Service for my wife and me has been deplorable. Thank you for looking into this matter for my wife and me. Hopefully, these matters can be resolved with a favorable outcome. Please let me know what progress has been made in resolving this issue as it has been 3 weeks since the original complaint was filed on the first of October 2009.

We hired our attorney for bankruptcy to write 3 letters and attempts to let them know that we were not responsible in any way for that loan. Then Chase said that we could modify our loan, so we began the process in November ‘08. Well, after phone calls and numerous paperwork over months, we called at least every 2 weeks. We got the same answers: keep making your "trial payments,” which were more than our original loan. We were supposedly in the underwriter’s waiting final approval from March ‘09 until we had a representative tell us sometime in September we had to start over.

We asked why. Well, it’s because the president passed the new bill in April and they had to shred all our old application. Well, no one had said anything about this in all of the correspondence sent back and forth month after month for 6 months. So then the Chase rep states they had mailed us documents to sign. We told them we never received them. They mailed out new documents and after 10 days there are no documents. So, I called them and was told, "Well, you can get them online." We told them there was no such link. So finally they mailed again and it was posted on 10/20/2009. We filled them out and faxed them 2 times.

Then we get a call today that we are in foreclosure. Our documents faxed on 11/14/09 were blank. The rep Christine stated they were blank. Then, she said that they mailed us the wrong ones. Maybe they will accept them. Meanwhile, we are still getting negative feedback, late charges and no answers. When is it enough? We have what Chase calls "updated our finances." Every couple of weeks we returned every phone call and paid our original agreement amount and faxed every paper. Yet they didn’t keep their end of the deal originally taking approximately 3 months. It’s been one year and now we are either in foreclosure or starting modification process all over. They can’t give us the answer. We have to call back tomorrow to speak to a supervisor in foreclosure. We are not ignoring their request or not paying. They aren’t doing their paperwork and telling us lies. Please help us.

During the escrow period (30 days), Chase did an appraisal on the property of interest which they required us to pay $395. After they had conducted the appraisal, they had found out the property was a flip. The property was sold at approx. $325K and the current appraisal on the property was coming back as $500K. The previous owner had their loan through Chase. This kicked off an internal investigation at Chase to determine why Chase had let the previous owner sell the property to the current seller at ~$325K when the appraisal on the property was noted as $500K. They also started looking more closely into my husband records to see if a scam was being committed. They started questioning their own property appraiser. Of course, it was purely Chase's decision to allow the property to sell at a specified amount and my husband had nothing to do with their decision.

During this investigation time frame, our escrow period was coming to a close and we were still waiting on Chase to approve the loan. My husband and I asked the seller for an extension on the close of escrow. The seller granted us only 10 additional days to close. If we couldn't meet the deadline, the seller was going to pursue his backup offers. We notified Chase and they informed us that they still couldn't close even with the 10 additional days. This amounted to 40 days which Chase had to close on the property, but due to their investigations, Chase could not meet this deadline. We were forced to seek a different lender who could close within a week. We had to request the new lender to expedite the processing and we incurred again another appraisal fee. We requested our appraisal fee that was paid to Chase be reimbursed. They have declined.

On April 24th, 2009, I faxed 47 pages to 1-866-282-5682 including the modification application that I printed from Chase's website. I called the Modification Dept at 1-866-550-5705 after I finished faxing the documents to make sure they received all of them and was told that they wouldn't check the fax machine and they would know if they received everything until my case was assigned to someone in about 30 days.

On June 1st, 2009, my son, Brian, turned 18 years old and May was the last check I received from him. His check was $762 a month. I called on June 6th, 2009 and was told that they didn't have any documents and that there was nothing in the computer. On June 9th, I went to the Community Assistance Network and Mr. Jon ** faxed the new application forms and documents, a total of about 36 documents, to Chase Modification department. The phone numbers I had was no longer in working order and the second number was not accepting any calls.

I called 2 weeks later to see if my application had been received and they said they didn't have anything yet. On August 3rd, 2009, I met again with Mr. Jon **. This time, he called a VP, Jason **, at Chase Home Finance and faxed all of the forms again to his fax number. Mr. ** called me on August 14th, 2009 and told me the all he needed was the W-2s for my husband for 2008 and my disability income. I faxed them to him the same day. He sent the package to the Modification Department.

I received a call on September 6th, 2009 and was told that they needed Section 3 of the application and a utility bill and proof of loss of income. On September 7, 2009, I faxed the 7 documents that were requested (these were included in the packet that Mr. ** sent to the Modification Dept.). I called several times and offered to pay $1,000 of the $1424.92 that was due and they said they didn't take partial payments. On September 16th, I called and confirmed that the pack was now at the Underwriter. I spoke to the Collections Department and was told that the only payment plan they had was to pay payment this month and a payment and the following month. I lost 1/3 of my income, $762 per month, permanently and could not do their so-called Payment Plan.

On September 30, 2009, I called and was told by Kenya that it was still pending. On October 16, 2009, I called and was told by Richard ** that it was still at the Underwriter. On November 2nd, I received a call from the Collections Department who want a payment and was told by them that my Modification Application was declined on 10/24/09. I still haven't received a letter stating that the application was declined and why. The Collections Department transferred me to Ed ** in reference to a Forbearance Loan and he said we were not eligible. He then transferred me to the Refinance Department and I was told by Patrick that we did not qualify to refinance. I then asked to speak to someone with authority and was transferred to Supervisor Fernando **. He told me to send them a new hardship letter, bank statements, pay stubs, proof of disability income and loss of income.

On November 3rd 2009, I spoke to Dodi ** from CHAI in reference to getting help with my mortgage. Later that evening, I received a call from Chase Account Manager, Adrian ext. **, who wanted to know what our intent was in reference to paying the past due amount. She stated that I was 90 days late and that I am in the pre-foreclosure status. I am past due for September and October. November was currently due on November 1, 2009 and I arranged for her to process a payment from my checking account on the 3rd Wednesday of the month, November 18th, when I get my check.

Also, on the 3rd of November, they mailed the pre-foreclosure letter that says If I do not pay the entire past due amount in 30 days, I will be in default and they would start foreclosure. On November 9th, 2009, I emailed authorization to Dodi ** from CHAI so she could speak to Chase on our behalf. On November 10th, 2009, I emailed all of the supporting documents to Dodi ** from CHAI. She called me and said that she received everything. Also on the 10th, I left a message for Fernando ** informing him that I had all of the documents he requested and was going to fax them. I asked him to return my call, because of receiving the pre-foreclosure letter when I am not 90 days late. I wouldn't be 90 days late until December 1, 2009 and that's if I didn't make a payment in November. The only persons I spoke to that had customer service skills was Fernando **. Richard **, and Jason **. The others were nasty and had a bad attitude, especially the Account Mgr, Adrian.

On November 12th, 2009, I left 2 messages for Mr. ** to call me back. Before I was transferred to his voice mail, the woman I spoke to said that they had received the fax and that she would forward it to Mr. **. She told me to ask Mr. ** for the Underwriter to send another copy of the Denial Letter that was sent on October 24th, 2009, since I have yet to receive anything from the Underwriter to the date.

I contacted them in November 2008, but she never bothered to even start till January 2009. After that I would call every week to ask why it was taking so long and got the standard answer that it was the underwriters. Then, it was one lost document after another and countless trips there to give them new ones or to sign another piece of paper that had been lost. The more I complained, the more trips I had to make. Once, I called and she started to give me someone else's information. Then I contacted her boss to complain about the second appraisal and was told I would not have to pay for a second appraisal. And now, I do. Is anything they say true.

I even explained to her that we were having hard times and needed to get this done as soon as possible, so as we would not have any late payment on our mortgage. I was told it would take no more than 30 days. It is now November 2009, and Ms. Joann finally called to say they can no longer do the loan. I wish I had gone to this website before I chose to go with Chase Bank.

I don't think Ms. Joann had any intention of ever approving this loan. I wonder how these people can sleep at night after taking money from people who cannot afford it and are in danger of losing their homes. If anyone knows how to contact Mr. Jamie, the head of Chase Bank, they should let him know his bank is stealing money from innocent people. If you are going to refinance your loan, do not go to Chase Bank they will only take your money and put you in the poor house.

I called the condo association's insurance agent again this morning and she said that she has been on the phone all week with Chase customers who are having this problem. She has wasted her time on the phone with Chase as well. She has confirmation numbers from all the faxes she has sent. I have a confirmation e-mail from the MyCoverage website. But still the threatening letters from Chase Home Finance keep coming.

After numerous phone calls to my office and re-faxing of information already faxed to them, Richard from Chase called to set settlement date of Thursday, 10/29/09, on the refi of the investment property. I asked Richard during this phone call what the status of the refi on the principal residence was and he stated that he did not see another loan in process under my social security number in Chase system. Since one of my primary reasons for entering into this refinance was to get the rental property fixed and rented, I was very concerned about this whole issue. Richard asked if I still wanted to go through with the settlement on the other loan and I stated that I wanted to know what was going on with the other loan first. Later that day, in the evening at home, I received a call from Monica (she gives the name Cecilia) who said that she had already called to inform me that Chase would not be able to do the refi on the principal residence with the cash out because the debt to income ratio was too high at 92% and that she had already called me with this information.

I told Monica that I had never received such a call and if I had, I would have gone elsewhere to get these refinances done. Cecilia put me on hold and on coming back to the phone said she and her supervisor had listened to the recorded conversations and she has that record of having made that call. This is completely untrue. It is important to note that during this phone call, Cecilia stated that since I was disappointed at this news, her supervisor had authorized to give back $200 of the application fee and that she would talk to the supervisor about refunding the entire $750 because I was so displeased. Of course, she believed at that time that I would still complete the other loan as did I. The only correspondence indicating such a decision was via US mail and when I called to inquire about this turn down, Monica told me not to worry about that letter. Although, I did not receive the letter until 10/13/09, it is dated 9/24/09. So, I continued with the refinancing believing that in the end, I would receive the needed additional funds to complete repairs and get the rental property to begin producing some income and get a somewhat lower interest rate on both properties as well.

By all appearances, Chase never intended to refinance the properties as I stated I wanted during the very first phone call to initiate this whole process. If this was the case, why didn't Chase just state that and I could easily have worked this out elsewhere? During the last two years, we have been trying to repair the rental house out of pocket. I have had my salary reduced and my wife has lost her job. Why didn't anyone at Chase suggest a loan modification in lieu of refinance? Without the additional funds to make the final repairs, I will continue to have a vacant property dragging down our already difficult financial position. I am not sure how I am going to make all of this work out but I am sure that I am better off not working it out with a misleading, if not downright deceptive, company such as Chase has presented itself to be.

Finally, after several months, I got the original person who took application and she said loan had been denied due to debt ratio? Also, when I asked to speak to processor, she said, "oh, that has changed. That person does not even have your loan now." I asked how long the appraisal was for and she said 90 days - long past. I told her that I wanted the money refunded immediately since I did not get approved. They eventually credited 350 dollars but the 400 dollars for the worthless appraisal was shot into the wind. Everyone beware when dealing with Chase.

Chase went ahead and paid my mortgage on October 13 and ignored the fact that 12 other transactions were made and not showing pending anymore. Also, they charged me insufficient fee on all, totaling $420.00. I really think this is why their profit's always up, because their way of conducting business is wrong. They do whatever they want with people's hard-earned money and thinks everyone has money like them.

I'm a single mother with two kids and was expecting to utilize my first paycheck after a long maternity leave. I could understand if the payment got presented a second time before I made all those other transactions. According to Chase, as much as the 12 transactions went through my account before, my mortgage is more important, so they did what was best for me. They did what would generate more money for them. Because of that, my son's school is about to put him out of school for not paying his tuition of $265.00; and my cable got turned off. I budget my money, and I'm always in the negative after trying to pay the most important bills first. Therefore, if I'm missing a dime, the situation would only get worse.

If you talk to 9 out of 10 Chase customers, they'll tell you that at some point in time, they had this experience with Chase. After I explained the situation to a manager at the local branch, she explained that I was right but they (Who is they?) will only allow her to credit me with half the amount. I think this is robbery, and this should be addressed. Thank you so much for reading this long and boring mail, but they need to be told that their way of conducting business is very wrong! Thank you!

My husband called them that Monday (October 12th) and they said that the investigation showed that it was their mistake and they would reimburse us the difference ($933 plus all the banking fees which my bank charged). They also stated that we would have to wait at least 10 more days. When I arrived at home, I called them again because this was unacceptable because I had bills that I was obligated to pay on the 15th of October. Our gas/electric was due and so was our car insurance. I also explained that my work paycheck is automatically deposited into my account and that most of my paycheck would go to the overdraft fees and the difference of the overpayment.

I spoke with Jamal and he reassured me that he could make things happen and that we would have a check express mailed to us and it would arrive on Saturday, October 17th. That never happened. I contacted them yet again on October 19th and spoke to Angel and she informed me that we would have to wait until October 28th. That is when Chase would wire back into my account. I tried to dispute and asked to speak with her supervisor but they were all in a meeting and could not be disturbed and that there was nothing I could do. At that point, I was almost on the verge of an anxiety attack that I had to stop and just let things happen according to Chase. Well, on October 28th at 3:00 pm, I called again and spoke with Rick. He said at that point, nothing was done but he reassured me that it would happen by the end of "business day today". I checked my bank today and it did not happen. My husband called them and they said we were not going to get our money back because of a balance past due.

Because of our financial situation, I am afraid I cannot come back from this. I was barely making ends meet and then they took $1000 extra away from me, my children and my grandchild. I do not have many people I can turn to for loans or for help. For about a year and half, my husband has been out of work and I have taken on the brunt of all expenses of our household. I was excited that our application was approved back in July 2009 by Chase that we qualified for the modification program.

I believe that what they did was wrong. They took money that I did not have and, now, I am not sure I can recover from that. People like PSGE, BOA, want to see their money on October 30th. Our phones have been shut off because the payment that was to be in their office on October 15th didn't happen. I want to know if there is a crime that was committed here.

I made modified loan payments in July, August, and September. All were on time. During this time, I began to receive calls from Chase's collections department. I carefully explained the situation each time and provided detailed information. In each instance, I was told that the collections and the loan modification departments were not in sync but that I had nothing to worry about. In late September, I received a letter from Chase asking for updated information. I faxed and mailed the requested information and have been told it was received on September 29, 2009. Within the last week, I have received two intent to foreclose letters from Chase. I have called each time, detailed all of this information, given payment dates, cited all the paperwork, and been told that I was fine and that Chase simply was backed up.

I mailed a package of information, including payment information, to Chase to the attention of Justin. I tried to email him, but the emails would not go through. I received an email from Abdoulaye. He confirmed receipt of my payments but also stated I was 90 days late. He also told me he was recommending me for a 6-month forbearance plan. I have attempted to follow up with Chase 5 times, and I have either been disconnected or told their systems were down.

I received a bill from them for $1,426.94, which means that they did not correct the problem and this could affect my credit severely. I had a friend in Arkansas who had to file bankruptcy for the same problem with them. If there is a class action lawsuit out there that someone knows about, I would like to join for the harassment and stress they have put me through. I am an active duty army and have a security clearance that problems like this could affect badly. Every time they call, I worry that they will contact my command and then I will have to go around circles with them as well to prove I have paid my bills.

To further show this as a con job, on April 23, 2009, after again asking to speak to a supervisor, this was the response I received: "It is not earnest money; it is a 'non-refundable' application fee. I state that it is non-refundable on every call and there are no refunds. If your loan is declined, you will receive $350 back which I also told you." I still have all the emails to back up my complaint.

Finally, I called the branch and asked to speak to a manager. I was told Fiorella was busy with someone else but that they promised someone would call me back about my loan. That day, I received two voice mails. The first was from Ryan at 11:57am saying he had gotten my messages and that he was looking into the status of my loan. He said he did not have access to Angelo's files and he had to go the long way to get any information. He said he would reach back to me. The second was from Sallie at 12:05pm saying she was returning my phone call. So after hearing that Ryan was looking into it, I waited.

On Monday, 9/28 (three days later), I called them back to find out the status. Again, no one returned my phone calls. So on 9/29, I tried to call again. This time, I asked if I should be speaking to another bank, because I'm obviously not a valued Chase/WaMu customer since no one returned my phone calls. I finally got Sallie on the phone, and she told me that the loan was denied in August and I should have received a denial letter. I told her we never received a denial letter, and she said a copy would be sent. She also said we would receive a partial application fee refund. After speaking to Sallie, Ryan called me back and basically told me I should try working with one of the smaller banks and there's nothing that Chase could do for me. I told him that I never received our denial letter and to please make sure that we were sent a copy.

So here I am on 10/28, and I have not received the denial letter or the refund for the application fee. I left Ryan a voice mail this morning, and of course, he did not call back. I also sent him an email, and I did receive a nasty reply in which he said I should speak to Sallie about my refund and letter. At this point, I would never recommend Chase/WaMu to anyone.

With a typical mortgage, if your due on the 1st, you have until the 15th before you're late. Chase will start calling me about 5 days after the 1st if they have not received payment. And every time they call, they ask for my mother (which disturbs me), and then, when I tell them she's deceased and I'm her administrator, they see that information right away. Yet, if I call for anything and need to speak to someone, I either get put on hold for 5 minutes while they try to find this information, or they just don't have it and I have to fax it again. Also, when they call about it being late, and I mean 5-10 days late, not even late enough for a fee, they will call numerous times throughout the day. I've asked repeatedly for them to stop calling me about the account, and they only stop after receiving payment. I would never consider Chase for a mortgage or equity line just because of the customer service I have received dealing with my mother's mortgage and equity line.

You guys and girls need to take this up with the White House or Congress or these banks will continue to allow good people out of their homes and continue to sink this economy further and then get rewarded with our money on the other end. I have lost every penny of my savings and have recently borrowed half of my 401k total to keep up with my mortgage.

The following month, I received another letter showing that my monthly payment had gone up again. When I called this time, I was told that the following month, they had been given my home insurance bill and that it had gone up by more than $100 (from $661 for the year to $851). So, I called my Allstate agent and had him recompute my coverage, so that the cost would remain at $661 for the year. Then I called the servicer again and asked how much the shortage was. I was told it was $129. I asked if I could pay the amount in question, so that my payment would not rise. They said I could.

So, I went to another branch at their suggestion and paid the amounts they requested. After five months, they still cannot get it right. I just got another letter showing that my payment is again going up with no explanation. When I called them again, I spoke with a girl by the name of Paula. She told me that my payment had been lowered, using all the wrong data to support her position. I was very calm and explained everything once again. She told me that only Angel had the power to do anything on my account and that she would call me back in an hour. I never heard back from her. This is short of a small claims action. What can be done? Can you help?

It has been a nightmare! I have been told I was denied and had to pay back the difference. Now, I have to pay all the late fees. And on top of everything, I had to make a double payment in September to keep my house from going into foreclosure and I found out all of this is being reported on my credit! My points are dropping when I'm in a program that is designed to help people.

I call weekly and have not gotten the same answer twice. One person actually told me to stop sending money and let it go into foreclosure because the process is so long that they will figure it out before I actually would be evicted! What kind of advice is that! Now, I really can't go anywhere, because they have drained my accounts and damaged my credit score. I wish I never got involved!

After reading these posts, it is obvious these scamsters are trying to prop up their cash flow by taking the $750 and running with it, loan be damned. His name is Steven ** and he is a bold faced liar. His phone is ** and these shady ** are scamming us. I will be the first to sign on to any class-action lawsuit. Please join in the fight against these shady banks. I thought Chase Manhattan JP Morgan was a reputable and honest bank. They are not.

Then on October 5th, the 1st Monday after the 1st, I received a call from the Chase collection department telling me that my mortgage is 30 days late. I was panicking beyond belief. I ran to grab my receipt all the while telling the rep that I made that payment at the branch. He went into his script mode and lectured me that my payment is due by the 1st of each month and that since they don't have my October payment, I am technically 60 days late. After he said that, I tried desperately to explain to him that I was holding the receipt in my hand and that there is a mistake. Again, script mode, he told me I had to submit a payment inquiry. He said there was nothing he could do about it. His job was to inform me that I was 30 days late and then asked me again when I planned on making my payment, like I was lying! He gave me the customer service phone number.

I immediately called the customer service number and was routed directly to the collection department because my account is in collection. I spoke to a rep. named Nadia, who informed me that I was 30 days late, etc., just like the script that I had just been read from the guy before. I need to tell you that Nadia spoke very broken English so I really didn't think that she understood what I was saying. I asked for a supervisor. She put me on hold for 5 minutes, came back and said that all of the supervisors were in a meeting. I asked her where she was calling me from. She said Panama. I told her I would hold for a supervisor because I wanted this addressed now. She again told me that the supervisors were unavailable. She said that the only option I had was to fax my receipt to a 1-800 number and the payment research department would look into it. She then informed me that it would take 10-14 business days for that process to be completed. I said, "No. It would be resolved today!"

Feeling desperate, I immediately called the branch where I made the payment and was instructed to bring my receipt to the branch and they would take care of it. I met with Liz, who processed the transaction. She remembered the transaction vividly because it is not often that the account number reassignment does not accept the payment under the old account number during the transition of new account number assignments. She told me that Chase has a habit of making changes like that and then not being prepared to accept and process payments under the new account number. She tried calling the same numbers that I did. She got an operator in the Philippines that gave her the same script that I was given. Liz then contacted the payment research department and was told to fax everything to them and that they would expedite the investigation.

I again insisted that they mark the account paid as I have proof of payment; the branch has proof of payment. They said that I had to be patient, as it is not their practice to mark accounts paid until they track down where the money was applied. I expressed extreme concern over my credit report and was told, "Don't worry about that, Chase will provide you with a letter that you can present to creditors after the matter is resolved." I explained that we wanted to refinance our car loans because the rates are lower now and that I did not think it was fair that my credit report is being held hostage due to their error. It is unacceptable that my credit report would show delinquent payments that were made on time. I have never, ever missed a payment in the 15+ (I think it is 20+) years that we have had this mortgage. Our credit is excellent, or at least it was.

I am writing to you now because I feel helpless. It has now been 10+ business days and Chase has yet to resolve the issue. We have made the October payment as usual, and Chase posted that payment to the delinquent September payment. Now I am getting collection calls about my October payment being past due. I have also received a letter from Chase informing me that I can prevent legal action if I sign up for an approved credit counseling class. Seriously, this is a nightmare. I got a message at work that Maya from Ohio called. Chase's collection address is in Ohio. My kids have taken the calls made to our house and asked me if we are going to lose our house like everyone else. All because Chase decided to change our account number and then was unable to accept payments under that new account number. I cannot be the only Chase customer that is having this problem.

I have asked for phone numbers to the payment research department and was told that they don't take calls. I asked for the phone number to the corporate office and again was told the only phone number I could call was the customer service department. I did eventually speak to Oscar, a supervisor in the Panama area and told him to read the notes, update the system and to have these calls stopped now. He told me that if I do not want collection calls that I would have to submit a letter stating that fact. He reminded me that Chase is attempting to collect a debt and that they will continue to call until the account is current. Gee, I wonder who I will call when Chase never finds my September payment. I wonder who I will call when my credit report is trashed and Chase won't fix it. Please let me know if you have had other complaints in this regard. As it stands, I have paid my September mortgage payment twice. My October payment shows delinquent. Both checks have cleared my bank account the day after they were made. I guess my only option is to pay my November payment early so that the Chase doesn't continue to harass me for their error. Thank you.

During this time (April 08) our home suffered hail damage and we received a check from our insurance company in the amount of $11,363, the amount our insurance approved to fix the damage. We sent the check to Chase as they instructed us to do. That is the last time we heard or saw the money. (The roof, siding and gutters have never been fixed and the money never returned to the insurance company.)

At the end of May, we tried to log in to our online account and were denied access. A phone call told us they were having system problems. We wrote a check and mailed in our payment. Three days later, we received a letter from a law firm stating that we were in default. I called Chase only to be told that they could no longer talk to us and that I would need to talk to the law firm.

I contacted the law firm and asked what we needed to do. He stated we had to pay off the owed amount but would not give the owed amount to me over the phone or e-mail. He would send a letter out with the new amount. After two weeks, I had not received anything. I called and was told they would send it out. I received the letter the two days before the amount owed was due. I called him and said we could not get it together in that amount of time. He said that was fine and would recalculate it and mail it out. Once again, I didn’t receive the letter and had to call. I also asked him about the money from the insurance. He said he would check on it.

In mid-July, I had not received the pay off so I mailed a cashier’s check for $8,000 to the law office to show good faith because they never could give me a number in time. We finally got things worked out the last week of August. The only problem was I had a check that my bank held for three days. I was not going to be able to get them the full amount in time. I notified the law office and was told not to worry, but we would owe a new amount. When I called after Labor Day weekend to get the amount, I was told our home was sold.

Chase didn’t want to talk to us about the insurance money or the problems with their representation. In Texas, they can foreclose on your home without appearing before a judge. If we would have, we would still have our home. We are people who have money in the bank, investments and my husband has a great job. We did everything we thought we should, except get a lawyer to help us.

We lost over $70,000 equity and improvements to the home. Our credit is ruined. My husband who is an engineer with a security clearance is in jeopardy of losing his clearance because of the foreclosure. We have had to pay to move our items after they were thrown on the lawn on over 98 degrees day. I, who suffer from extreme pelvic adhesions, had to help move our items. I had to lift and carry things that are over the 10 pound limit I have. Mentally, this is something no one wants to go through. The banks are getting bail outs, but they won't help their customers, the ones making them money.

When the paperwork came (by email) to sign, the city was incorrect on the property address. I contacted the loan officer, who told me please don't call me anymore, I am very busy. I received rude calls and emails from him and from the real estate agent (I believe they were working together) informing me that the papers had not been signed. I informed them that the address was incorrect, and that I had been trying to tell them this for weeks. Oh, sorry, we will correct and re-send.

I received a new email PDF set of documents (46 pages!) for me to print out and sign. The address of the property was still incorrect. The city was incorrect. I tried to contact the supervisor with no results. My calls were forwarded to voice mail and were not returned. I finally pulled all of my accounts from Chase. What a disgusting way to do business. I will never deal with Chase again. I also filed a complaint with the State Attorney General's Office, but was told there was nothing they could do. Consequences: loss of $375, stress, guilt that I put my parent through the mess as well.

I sent him all the documentation they requested and a $750.00 payment to start the process. Because my wife's income and my income were split, Mr. Richard claimed I did not qualify for the loan he quoted me, which was 4.375% because I did not have enough verifiable income since I am self- employed and would have made my payments $640.00 per month. But I did qualify for a 5.375% loan, which would make my payments $930.00 per month. I thought of the bait and switch you always hear about.

I asked if this was a joke, and Mr. Richard said it didn't make sense but that was the only loan he could pass. Since I was already into the process and he assured me it would move forward, I decided to keep going . He also stated he never forwards applications to underwriting unless they are going to be approved. He further stated the process would take four to five weeks in underwriting and to contact him by mid-August, if I had not heard anything from underwriting.

On July 21, I was contacted by Brett, a senior loan officer, who was now handling my loan. He told me the same thing that he sent my loan to underwriting and it would take four to five weeks. I was then contacted in early August by Jeffrey, a loan processor, who said he was now handling my loan and would take ten days to finalize everything for closing.

On September 3, Mr. Jeffrey contacted me and said that the loan was approved and set a closing date for September 11, 2009 at 10:00AM to be held in my residence. I contacted my attorney and informed him. On September 9, Mr. Jeffrey called me and said I needed to send him bank statements proving I was paying the mortgage. I stated that he had all documents throughout this process they requested, including bank statements. Mr. Jeffrey said my bank statements that were sent were used for income verification and I needed to send another set to prove that I have been paying the mortgage myself for twelve months. I informed Mr. Jeffrey that I have only been paying the mortgage individually since January, because that is when my wife and I separated.

Mr. Jeffrey said he would speak to his supervisor Mr. Desmond, operations supervisor, and he would contact me regarding the underwriter's request. I asked Mr. Jeffrey why the underwriters were requesting this since the loan has already been approved and scheduled for closing. He didn't have a straight answer for me, and I requested his supervisor contact me. Mr. Jeffrey stated there was a slight chance the closing would be postponed, but they were still shooting for September 11.

I faxed the banks statements out immediately showing I have paid the mortgage individually since January. Mr. Jeffrey e-mailed me and thanked me for the quick response. On September 10, I called Mr. Jeffrey, and he stated they are still working on it. I asked him why his supervisor didn't contact me, and he assured me that by the end of the day, he would.

On September 11, I called Mr. Jeffrey and had to leave a message, this time on voice mail, to please contact me. I received no response. I then tried to contact Mr. Richard and Mr. Brett and left messages for them, and I received no response. On September 14, I called and left a message for Mr. Jeffrey and Mr. Perrine, and I received no response. On September 16, I contacted and spoke to Mr. Jeffrey, and I requested his supervisor's direct number and e-mail and left a message on his machine to please call me. On September 17, I had to leave a message for Mr. Jeffrey that his supervisor did not contact me and to please tell me the status and to have Mr. Anthony call me.

On September 18, I wrote an e-mail to Mr. Anthony and CCed Mr. Jeffrey, Mr. Richard, and Mr. Brett. I expressed my complete disgust and disappointment in the way they were treating me as an existing customer. I had hoped to have gotten a response from anyone of these Chase employees and was totally ignored. My attorney made a call to Mr. Jeffrey and left a message to contact him.

On September 21, I contacted Mr. Jeffrey, and he once again stated they were working on it and that he would absolutely have his supervisor call me by the end of the day. I asked if he returned a call to my attorney, and he said he forwarded the message to Mr. Anthony. I told my attorney this, and he called again but never received a response in return. Once again, no one contacted me; and once again, on Tuesday, September 22, I e-mailed Mr. Jeffrey and said I expected a phone call today. I was totally ignored again.

On September 24, I contacted Mr. Jeffrey, who stated Mr. Anthony has been trying to reach me. I said that was not true since there was no messages or caller ID numbers from their office since early September. I asked when Mr. Anthony called me, and Mr. Jeffrey said, "I really don't think I should talk to you, so just contact my supervisor." And the conversation ended. I called Mr. Anthony, left a message, and e-mailed him also. I still have not heard from anyone.

On October 9, I sent another e-mail to Mr. Anthony; but this time, it included attachments of letters I sent to the Banking Commission of New York and my congressman. I finally received a response, and Mr. Anthony claimed he has been trying to contact me this whole time and that on September 16, he called and left a message saying my loan was cancelled after being set up for a closing. His explanation was I did not qualify. He outright lied about the phone call, and I said he better be prepared to verify he called me on that date. I know the Banking Commission and my congressman are putting pressure on them. They know the whole time line and are waiting to see their explanation.

I have no idea or explanation as to why Chase Bank is treating me in such a disgraceful and unprofessional manner. I have been totally cooperative and acquiesced to every demand they have made of me. I relied on their integrity and professionalism, and in return, I have been degraded, embarrassed, and humiliated through this whole process. I have also been prohibited from approaching other lending institutions, because of the Chase stipulation that I cannot entertain quotes from other lending sources while dealing with Chase.

I am currently in a 5 year ARM that will adjust in April. I have gone through the modification process but have been denied, although no clear explanation was provided. I have been seeking assistance and guidance from quite a few Chase representatives and have only received rude, misguided information. A business manager in the Refinance Department by the name of John ** was extremely rude and disrespectful to me during a phone call today. I was requesting information about how appraisals work and he told me, “I have the information right here, but why would I tell you?” This is just one example of how poorly Mr. ** communicated with me today.

Through the duration of my loan, I have always made my payments on time and have been a responsible homeowner throughout this “housing crisis”. All I am asking for is a little help and some detailed information about what my options might be. I understand this is a business; however, I am still a customer and a consumer who is paying Chase quite a bit of money on a monthly basis. I am hoping that in receipt of this letter, I am contacted by a professional, competent Chase representative, who can help me and my family move forward. Stress has affected my health and our finances are unstable.

I resubmitted pay stubs, had the bank stamp my bank statements, and signed my copy of my tax returns. Next, a final sale date was set for my house to be auctioned off for 10/5/09. We received 12 letters, some certified. At this point, I had no choice but to lease a home elsewhere. On 10/7/09, WaMu/Chase called me with a modification that was $500 less than what I had been paying. I was stunned that they would offer a modification after they told me they were going to auction off my house. I was told that since the foreclosure and the modification are not related to each other, they could do this. Can they? The person I last spoke at with WaMu/Chase advised that I should send a letter regarding what happened and request a Deed in Lieu of Foreclosure.

So, I missed another payment. Then in March, I tried to make my payment, not knowing what to do about the missed payments. I finally had a lady call my place of work and took a full month's payment over the phone with no problem. Crazy, huh? In April, I made my first loan mod payment with insurance added for my home, which I already had with another company. So here I am in April with my loan new mod loan already showing behind and now paying for insurance I already have which Chase was charging me double what I was already paying. Unfortunately, I do not have the money to make two months payment plus my regular payment to give Chase to be caught up again. Finally in September, I got the insurance part fixed. But every time I call to try to get help fix the payment problem, they tell me they will work on it and get back with me. I actually had one person to get all my info and she told me, "I will get with your account manager and put the missed payments at the end of your loan." I told her okay that would be great. This happened in June.

I waited two days and called to speak with my account manager and couldn’t get anyone. I called Chase every day until in July, when a gentleman called me wanting to take my payment and was told he was my new account manager and no one talked to him and that Chase could not do anything like that. So the gentleman got all my info after taking my payment and told me that first thing in the morning, he would get with the mod dept and try to help me fix this problem and again, I said great. For the next three weeks until August, I could not get in contact with my account manager to find out what is going on. In September, I finally got a phone on the 1st which is the day my payment is due, and I was told nothing had been done. There were no records of the modification dept working on anything on my account and I was told by a person who was my account manager for the month that I needed to step up and make my payments! After losing my temper and saying a few choice words honestly, I hung the phone up.

So, we proceed to make another payment of $502.12 on the 25th of September. A few days later, we were called by the Collections department. My wife explained to the agent that we were in the middle of a loan modification. The agent proceeded to tell her that we were turned down on August 3rd. My wife inquired to the reasoning. Agent replied with, "I'll have the manager call you back."

I ended up talking to a Ted ** from the Loan Modification program. He told me the reason we were denied was that we make too much money. I wanted to know why we weren't notified in anyway. He had an unprofessional excuse of, "I'm sorry sir, but we dropped the ball on that one and that we should have contacted you." Needless to say, I didn't take too kindly to Teds' remark. What kind of show are we running here? Now, our family is even deeper in debt with late charges and fees being tacked on to the loan. For being one of the top four banks in the world, you definitely need to get your act together. Some common courtesy goes a long way.

On the fax transmission, it states all items were received. I would like to know what the problem is with Chase bank and why they make it so difficult to do modification. Others that I have talked to that are in the same situation that I am in have had their modification done on about 3 weeks. Can you give me some insight on this problem? Thank you.

In my first case, the damage to the bank (not Chase) was about $40k! In the new case, the damage to our economy will be much higher. We will see to what amount it will add up, but it could very well be up to $50k or $60k. Chase did nothing at this point to drive the sale forward. As I heard, after 2 months, not even an appraisal was done. Part of it might be the ridiculous new law about appraisers by the Feds, but mostly it is because Chase and all other banks just are not doing their job. I hope the name Chase will be seen on here as much as possible so people are aware of what is going on.

After that it was all a blur. New conditions started to be requested. The docs were provided. One week later, two new conditions were asked for. Again, the conditions were given and, again, two new conditions were requested. This went on for weeks with no end. It was outright comical. Chase did everything not to do this loan. On Oct. 6, 2009, full five months after the contract was signed, they denied it for some frivolous nonsense issue. The loan officer which I know very well, in the business for 20 years with other lenders, could not believe it. Chase is a disgusting destroyer of lives. They are not in the business in helping people, but they are the ultimate incompetent bank. They lied and strung the buyer and seller for 5 months. I only hope they go out of business because they don't deserve to be in business to rip clients off. Beware.

So, Chase sold it off to another creditor recently, with the same insult and threatening tactics as the previous. So, ya, I want everyone I can think of or convince to stop using Chase. Let's put them in debt.

I was given the Chase Home Ownership office in Santa Ana. Zac ** is the loan modifier there. I gave him all of the documentation and he told me that he would have my loan mod done within 45 days, now that I was with him. It is now Sept. 30th and he will not return my calls, even when I leave messages stating, "Chase does not have my tax returns." I finally went into my local branch after re-faxing everything in and asked someone to call Chase and make sure they had everything. They do. Now when I called, they told me that they will decide if I am denied or not.

One of the things that I discussed with Zac was that I could no longer afford to pay the 2nd on our home as we closed our business and the county tax assessor was reassessing our home value down. The reassessment came in at our home now being worth $300,000. We owe $700,000. Zac told me that they would never foreclose on the 2nd as both are with Chase and to just pay $1,990 on the 1st at 3.75% until they got the new payment figured out. Well, let me say this. I started 2 new businesses and every month, it gets worse for earning money. Chase knows that the credit lines are frozen and they are a cause of this. They can give us all the 1.9%.

Did you know that the derivatives market was close to a quadrillion, according to the BIS? The U.S. mortgage market is only 10 trillion, so these banks were making Las Vegas style Casino bets and took America down with them when they lost. Then they get the tarp money to use it to buy T-bills, stocks or whatever and not give it to the people. We are the collateral damage. The damage they have done to America is far greater than the 911 terrorist attacks. I had to send a cease and desist fax to Chase to stop calling me 10 times a day on the 2nd. They ignored my faxes. Then I sent them in letters from my doctor, showing how I have 2 injuries from car crashes and my cholesterol has skyrocketed for the first time in my life. I sent this in to them as part of the cease and desist action.

I owe $2,300 on my Chase credit card, which I plan to pay off when I get my mod. Instead, they have a call center in India call me 20 times a day, 7 days a week to ask me why I am not paying. I answered this question about 120 times and then I became afraid to answer my phone, so I stopped. Chase would rather pay a foreign country to harass us, rather than give us a mod. We were told by Chase that we did not qualify for a mod on our investment property with them. We lost our renters in May and did not try to re-rent it. I agreed to give them a deed in lieu of foreclosure and wash the cap gains with the charge off on the 2nd trust deed on my home. Chase made us put the home on the market for 3 months. I plan to sign it over to them next week.

If my modification does not go through, the bankruptcy laws will protect us from these people. They want us to become homeless people in our own land. They have violated several laws, including violating the law that states that you cannot ring a person's phone as many times as they do. They have violated the cease and desist orders and although I have my phone bills to prove that I re-faxed everything to them at least 7 times, they claim that they never got these faxes. I think there is a long list of people who have gotten the same treatment.

Chase owns part of the Federal Reserve, so I cannot file a complaint with the Federal Reserve. Chase gave heavily to both presidential parties, so we probably are not going to get any help there either. Anyone ready yet to take on the 800lbs gorilla? How about David and the Iraq giant, Goliath? Blood is thicker than the mud. The proof is in the pudding. Chase is anti American. The amount of time that I have spent on this mortgage mod has been above and beyond what is reasonable because they lose everything or are running you around in circles. I don't want to have to ask for a mortgage mod because I had to shut my business down because there is not enough business to keep it going. Let's get our priorities straight here. They are the cause of this. We did not do this, they did. Thank you for your time.

I feel that this was an easy way not to have to process my loan. How many others have been done this way? My aunt and uncle lived in a brick home and they just refinanced their home. It didn't even appraise at $100,000 and they tell my mobile home is worth more than a house? I am using up all my savings and have liquidated any possible money available (other than my IRA) to make payments. I am running out. If there was a legitimate reason for denying me then that would be fine, but the appraisal was reaching a bit. And to top it all off, the customer service representative's recommendation for trying to help me was to suggest that I get a job. Now why didn't I think of that? There are no jobs here at the moment and with the economy the way it is, it was suggested that I get an education to find a career and so that is way I am doing now. I feel discriminated against! Now, how many others have been done this way as well?

Comment from the loan officer (who could not even explain the declination): Maureen, this is a direct result of the lower appraised value that increased you initial LTV (Loan to Value) to a higher 85%. As you know, the appraised value came in lower than expected at $670,000 and the file had to be restructured within LTV guidelines. If this was under the 80% LTV limit, then the maximum allowed DTI would have been 45%. Due to the ratios above 41% DTI, we are unable to obtain MI mortgage insurance coverage for your loan. The only possible solution to obtain an approval would be if you decided to reduce your principal loan balance to be under 80%. I would estimate would be $33,500 plus closing cost would be roughly around $40,000 out of pocket, that would reduce your final DTI to be close to the maximum allowed 41%. Of course, this figure would need to be confirmed by underwriting. We are unable to offer the applicant credit for the following reason(s) adverse action reasons: One, excessive obligations in relation to income (44.26% above maximum 41% per MI) and two, unable to verify income.

We submitted our tax returns and our bank statements three times because they lost the previous ones, that is even a bigger concern. I called the bank every week for an update for six months. Then, we went on vacation which I informed them of weeks in advance and they told me the day before vacation we had to have our CPA explain why my husband sold his business three years ago. Also, they said I wasn't employed but I provided my W2's for the past several years. Our income is way above the ratio they mentioned. We could pay off the mortgage if we wanted to. They didn't mention that fact in the denial. How can they get away with this on so many loans? Even our loan officer told us we were one of many they were doing this to and he was very frustrated. This is their own employee agreeing with this unprofessional, discriminatory way of how they are treating their customers.

Nine months of sending faxes and calling, etc. and I have gotten nowhere! My mortgage payment is $1,565 per month and I am sending $300 per week, I told him. He stated I should put the money in a sock drawer until I have a full payment saved and then send it in. I cannot believe they would not take partial amounts instead. They would rather see you fall further behind, it seems! What good is Obama's plan if I cannot get help at all!? I could go on and on as they call me at least two times a week wondering if I can pay them the past due balance of $4,500 today? If I had the money, I would not be past due, I tell them! I am emotionally spent on trying to save the house that I owe $60,000 more than it is worth! Chase is just blowing smoke. They do not want to work with the homeowners. They are just sitting back and reaping the profit the government is handing them! How many stories does the government have to hear before they act?

Then in July, I refinanced with another company, Pinnacle Mortgage. Pinnacle Mortgage was great. My loan closed on July 29, 2009. Chase was contacted for a payoff, which included the July payment. The payoff was correct at closing, etc. Chase was paid off and posted August 4, 2009. The loan closed on July 29, 2009. Out of my hands at that point. I took several weeks of hold ups because of Charter One not supplying paperwork needed to close the loan for 3 days. Anyway, this held up things to the end of the month.

Anyway, Chase is now rating me 30 days delinquent because the payoff didn't post until August 4th. They are not willing to change, investigate, nothing. It is what it is I was told. I did not find out about the negative rating on my credit until another company sent me information stating they were lowering credit limit and raising my interest rate because of it. Chase never notified me, never, that they were rating me 30 days late.

I have an excellent credit score and originally put 20% down on my home. I am a single mother and that money was hard earned. However, because of the economic crisis caused by the financial institutions risky dealings, my home has lost value. So, I have to use the Making Home Affordable Plan to refinance. Therefore, I am forced to use Chase and take their price gouging/loan sharking. I immediately sent in all of the financial paperwork they requested and an appraiser came to my home 2 days after the application. Weeks passed I heard nothing. I called to check the appraisal. I was told they had not received it. One month in, I called Chase and got the same run-around. Two months in, I called and started complaining. They then miraculously located the appraisal which surprisingly came in unbelievably low. I asked to see it ASAP.

I’m no expert but I noted errors and asked for a dispute. I was told they would start a dispute over the appraisal the next day. I continued to ask about the results and never got any information. Chase then told me I would be denied the refinance or I needed to bring over $28,000 to close. I then received a counter-offer from Chase in the mail. The counter-offer would require approximately $21,000 plus closing costs. When I questioned Mr. **, he told me to disregard the counter-offer because they would be putting my loan back through processing at the $28,000 plus closing costs.

Wow, logic tells me the higher amount is not in my best interest and what happened to my dispute of the appraisal? In the meantime, I have had a certified appraiser look or the appraisal. The appraiser advised me to submit the appraisal into the Board of Appraisers as it contained multiple gross violations that cause me not to obtain a refinance. Question, don't they have someone at the bank that looks over the appraisal and notes these problems. I have submitted a complaint to the Board of Appraisals and put the appraisal of for investigation. I have also recently submitted a letter to James Dimon, the Chairman and Chief Executive Officer of Chase.

Now, 5 months later, in a declining market of one of the hardest hit states, Chase decides to send a second appraiser to my home. That was last week. Today, I get a call from Kelli **, stating that Chase wants to close on my refinance tomorrow. The catch is they now want me to pay over 3 points plus closing costs. She told me I could take it or leave it. I asked her for the terms in writing and also the interest rate without the points. She stated it would not be worth refinancing. However, she said she did not know the rate off the top of her head. She then told me all she needed was a yes or a no. Either I wanted the loan or not. Wow, I asked her to email me everything in writing and I would get back to her.

Guess what? I never got the email. I then called Chase refinance line and acted as if I was brand new. They pulled my credit report again and told me the rate of 5.625%. Plus, stated I am eligible for a streamlined process. Evidently, Chase's computer systems are not integrated because the guy had no idea I was already in the system. He also did not know that Kelli had just got finished trying to ram $8,000 in fees down my throat while he was quoting $1,945.

I have documented everything I've been through with this. I feel that the practices are questionable at the least. I believe that Chase has taken advantage of many homeowners. I believe the representatives of Chase have on multiple occasions attempted to steer/pressure me into a loan that is not in my best interest for their own financial gain (conflict of interest). I have asked questions that were not answered or the answers were not accurate. Since I am not going along with being railroaded, Chase is now trying to deny refinancing me. I would like information on class-action lawsuits

Also, here is the address for corporate to send your complaints to: JP Morgan Chase, Mr. James L. Dimon, Chairman and Chief Executive Officer. Office of the Secretary 270 Park Avenue, 38th Floor, NY, NY 10017 and/or 2500 Westfield Dr., Elgin, IL 60124. I asked for these addresses from Chase representatives multiple times and was denied. I finally researched them myself. I want an attorney to contact me about my complaint. This has caused me financial harm, loss of savings over the life of the loan. It has also caused me great stress, anxiety, anger, frustration and hours upon hours of time spent trying to get a reasonable resolution.

Finally, in December, I was told that I was "approved" for a modification. However, the modification they offered me, based on my circumstances did nothing to help my situation. At the same time, they were telling me that the new Obama plan was about to come into effect and that I could refuse this modification and submit all info again to apply under the new "rules." I decided to do this as, again, the modification they offered was not going to help me in terms of having an affordable payment. I submitted all info in April 2009. They told me it should take approximately 6 to 8 weeks this time.

It is now September 17, 2009 - 5 months later, and still no answer. The issue this time is that while this is going on, my credit is being completely destroyed. Every single payment has been made to this company. They are reporting to the bureau that I have not made a payment in months and they refuse to help. My credit cards are being closed and/or the limits are being reduced. I am suffering a severely lowered FICO score. All this for reasons that are not due to lack of payments.

My circumstances are not those of someone who went out and purchased a home for $700k and new cars, etc. and spent extravagantly. I was working as a mortgage underwriter several years ago making more than 2x what I make now. Back in August 2007, my company closed my division. At this same time, I found out I was pregnant. I quickly found another job making at the time at least $20k less than what I had just been making. Then, I had my daughter and went on maternity leave. I had to find daycare I could afford and where she would be safe. I found a new job and daycare - but, again, still making half of what I had been in the mortgage industry. I have struggled and struggled to make good on all my payments so that my credit did not get destroyed and here, in the attempts to do the right thing, my credit is now in the toilet.

I am told over and over there is nothing that can be done until the modification is either approved or denied - and then they will report all the payments I have been making. These people are causing me mental anguish beyond imagination. I have worked so hard to keep my credit score good, to make good on my debts and to be a decent member of society and it seems that more and more, I hear that the only way to get a modification done is to stop making your payments. This, to me, sounds like reverse logic, to be helping the people who have not been making their payments at all and to be hurting the loyal customers.

I worry all the time about the damage being done to my credit. This affects so many aspects of my life down to if my car breaks down and I need to buy a new one I can't because I would never be approved. I used to be an underwriter and I understand fully the long term ramifications of damaged credit. They say they will fix it in the end but, to date, Chase has not been upstanding so I do not fully believe that they will. I am worried how this will affect my future. It causes me worry and anxiety on top of the financial burden.

If I wanted to look for a better paying job, I am quite sure that right now I could not get one - if an employer were to run my credit, it would look terrible. My credit, to me, was something that made me feel good - it made me feel like I was on the right track. I could look at my score and feel confident that I was doing the right thing - and that in the case of an emergency, I knew that I had the credit power to not be stranded. But now, I do not have that cushion. All I have is the worry and anxiety that at any moment the next shoe may drop and I will be in an even worse situation.

Again, Chase is erroneously reporting late mortgage payments to the bureau and it is causing my score to plummet and other creditors to pull my lines of credit. It is unfair and leaves me feeling completely powerless. Please help and I do not know what else to do.

Finally, WaMu sent me the first check they had received from the insurance company. It was made out to me and to WaMu. They sent it to me without endorsement. Since I had already waited five weeks for any funds, I deposited the check into my bank account. Wachovia Bank discovered that the check was paid to both parties and refused to release the money to me. They offered an Indemnification Agreement, that if WaMu signed, they would release the funds to me. WaMu refused to sign it. Yet, they told me to sign it and then have Wachovia send the money to them. Yes, yet again. I agreed to do that. I asked WaMu for an account number so that Wachovia could wire the money to WaMu to speed-up the process. WaMu refused to give me an account number. I am not having to ask Wachovia to issue a check to WaMu - to then be sent to WaMu without any agreement that I will ever get it back.

This is after five weeks of trying to get the first dime of reimbursement. I have made over 40 calls to WaMu. None of the representatives have any extension number or email. Thus, each time you call back, you have to start over and tell the whole story again. They say they need two days for a response. I have asked each time to speak to a manager. They refused to let me speak to a manager and will not give me any name. This is what we get for the billions the US taxpayers gave to Chase to bailout WaMu. What a travesty. I wish someone would cause WaMu to go out of business. A horrible experience. I am sitting with a hole in my roof, covered by a blue tarp - out $15k of my money - all for 75 days now. Stay away from WaMu at all costs.

I have 34% equity in the home, a good credit rating and have never been late for a single payment to Chase for 2+ yrs, now. In fact, I'm in better financial shape, now, than when I obtained my mortgage through Chase, initially. Well, after much added expense, stress, runarounds, multiple faxes, unanswered e-mails/phone calls, misrepresentations, and 9 months, I was denied today for a baseless reason. By denying me to pay them less, they've approved me to pay them more. I feel like greed's roadkill.

I called several times to be sure the payments were noted, but could never actually talk to my representative (Mr. ** was moved off of my account after the plan was set). Anyway, today, I was informed that yes, I was all caught up with my payment and would receive a normal monthly bill for October. However, I owed over $360.00 in late fees incurred during the repayment plan. These were the late fees I was charged each month because I was not caught up, so that repayment I made did not cover that months.

So in essence, Mr. ** and Chase had put me in a repayment plan that guaranteed they would get additional late fees from me until I caught up. Today, the first rep I talked to and Angel, who refused to escalate me any further, said they could not waive those fees. I asked them, quite clearly and several times, "Does a repayment plan that is supposed to get my account completely caught up actually make sense when additional late fees are added on each month and not taken into account in the plan?" Neither gave me an answer.

I called back in September about my mortgage adjustment and they said I didn't qualify and was denied in April because I had an IRA which is 80 % less than last year and they only considered the first loan not the second or any other bills as criteria under this program. They also said I had equity in the property and they never called me once during this process that involved all my tax records for no reason. They then told me all my documents were destroyed on the denial.

All I got out of this process was having my mortgage transferred to their Imminent Default Department for no reason and a closed credit card account and none of my documents returned. When I asked them if my new arrangement on credit card rates could be sold off to others now that the account was closed, they could not answer. I think after today’s announcement that Chase Credit cards were experiencing high defaults is the result of the restructuring of their credit cards accounts for a year end charge off or which they intend on selling off at the first discrepancy on the account after November, thus ruining any interest rate arrangement and throwing its old customers to the collection wolves.

I also remind you that I am current on all my bills, yet they now group me with defaulters. I want guarantees that after all this scam help they offer ends they cannot sell off their old credit card accounts to the highest bidder based on information they received about the account holder illegally in my opinion. Please respond in a timely manner because these banks are getting ready for the final kill of the consumer.

After I requested mortgage assistance, they increased my credit card rate 5 points to prompt me to close the account and avoid the interest increase and maintain my 9.99 % rate after November. When I asked them what was special about November, they said they were consolidating or something to the effect. Then in today’s news, they announce that there are many delinquent credit card defaults in their company and they were looking at ways to "write it off". I think they are using mortgage information illegally and using that to group mortgage holders into a default status so they can sell the credit card accounts to collection agencies and clear the books for their shareholders at our expense. I want guarantees that they cannot sell arranged frozen rates to other companies at the end of the year and must keep them themselves.

When closing time came, the documents were nowhere to be found. When we then scheduled another closing the next day, I still did not receive draft documents until the night before, too late to make any changes if necessary. Chase took a simple financial transaction that should take several weeks at the most, and turned it into 100+ day odyssey of pain, at a cost of several thousand dollars to me. They didn't even come close to performing what they said they would do. You have been warned.

Additionally, when we received a statement last month with a charge for using one of their debit cards, we reminded them we did not nor ever had a debit card from them. We closed our checking account with them. Within a week, we had a debit card from them in the mail saying how much they appreciated us as customers. A few short months before that, when we were not quite 30 days late on a payment for less than $500, a "customer service" representative called my wife at home and told her that if we didn't pay immediately, they would just foreclose our home and "How did we like that?"

Never mind, they have no right to do that, but really!? For being late on one payment for less than 30 days? Nearly everyone we've talked to or asked for help on one thing or another has been unbelievably rude. We are constantly working to find another reputable institution that will let us transfer our loan to them so we can be done dealing with Chase. If they went belly up today, I would stand outside and cheer as people packed up their desks.

So, in March, I received a check which Chase endorsement, which was about $1,000 to start the repairs on my home and to get it up to 90% complete so that an inspector could come out and give a report to Chase. This happened and now they keep asking me for invoices from my contractor, which I have had to pay him out of pocket to get him to give me the invoices of work that needs to be done on my home. I think it's unfair for them to keep asking me for invoices from the contractor when he still has to complete the work. Every time I would send them something, they would ask for something else. I can't afford an attorney to help me so I am stuck. Chase is wrongfully holding my insurance check, which is supposed to be used for the repair of my home. It is now hurricane season again and my roof is still leaking. The new sheet rock that I repaired to get my home up to 90% done is getting wet. I just need some help from somewhere.

The third week, I was told my documentation had not been reviewed yet and a case manager will contact me soon. I asked what is the time frame I can expect for closing. The response I got was "3 months. We are very busy and things are going slow due to the demand of loan mods. You can expect to go to closing in September." My response was "That is ridiculous" for it to take so long. I continued to call for the status on the loan mod weekly and they have not even called me. I had spoken with a woman named Sheena in the past, but on 8/24/09, I spoke with a fellow named Jay **. He stated my loan was declined due to the fact that my debt to income ratio was too high.

Brilliant! I'm dealing with a bunch of geniuses, a program created by the President Obama to help homeowners stay in their homes certainly does not work with Chase. Now what? I'm a customer of theirs and my credit is awesome. They can't help me as I slowly fall into deeper debt. This is wrong and something needs to be done about this.

I currently have an application with Chase to refinance my home and the application number is **. I submitted the application at the end of April 2009 via the phone with one of your mortgage consultants, Michael **. To date, my loan is still pending and I want to cancel my loan application and receive a refund of the $395.00 application fee. Chase did not process my application in a timely manner and has cost me four months of rising interest rates and higher mortgage payments. Moreover, I need an explanation of the recent credit activity to provide to my new lending institution. I submitted my application for a mortgage with Chase because I had a previous mortgage with Chase in 1998 and part of my current home loan is through Chase. Both experiences were positive and I was certain customer loyalty would ensure reasonable rates and a quick application process.

I specifically asked Mr. ** how long the application process would take and how soon I could close. He stated 3-6 weeks. This time frame seemed reasonable and was reinforced by the fact that my rate was locked in for 90 days. I detrimentally relied Mr. **'s misrepresentation and my previous experiences with Chase and chose to refinance with Chase over comparably priced competitors. I have now waited over four months, been asked for and provided the same information multiple times and found out that Chase is not able to process loan application in anything less than 100 days. I believe Chase is disorganized, unprepared for the volume of mortgage applications and the American consumer suffers.

Again, I want to cancel my application and need written confirmation that the application has been cancelled. Additionally, I request a refund of my $395.00 application fee since Chase did not process my application in a timely manner and was negligent in representing the application process and the handling of my application. Unfortunately, I cannot recommend Chase to anyone and I will pursue my mortgage refinancing through more reliable institution.

We had almost an 800 credit score. Larry was still working at this point and waiting to be 2 years cancer free so he could get a new job. We started at this point to refinance our 1st and 2nd together. I even offered to match funds. We got the runaround and the no’s. We were running out of money and in 2008, we did. We called Chase and they said we would be able to get a modification with a lower interest rate but they wanted to help us right then, and then proceed. They connected us with the modification department where they did a, don’t have the name on my tongue right now, sorry, where they postpone 3 payments. We had to be current to get this, which we were.

It was a weekend and I hadn’t gotten anything in writing and it had been 3 weeks. I was getting calls that we were late. When I would tell them what was going on, they would say they didn’t show it. I called the "modification" department back and they put me in touch with the supervisor (I have his name). He said "go have a relaxing weekend, you are getting collection calls they don’t know what we are doing here. You are fine.” To make this shorter, by the time we were 2 payments behind going on the 3rd, I called a supervisor in customer service. She told me the people I had been dealing with were in collections and worked in the same building as the ones that were calling us. They said to get everything in writing. I took a call from collections they asked me to fax them all of this paperwork and give her some money right then and she would hand carry the paperwork to modifications and speed it up. I said, after I had faxed the paperwork and had a proof of receipt, I would send her half of what she asked then when she sent me something in writing the 2nd half.

Well, the fax number was wrong. I called from the annex and got the right one from her, gave her money, which was to clear the board, based on the fact that we should not have been making payments anyway. Over the next 2 months, I spoke with 5 "supervisors" faxed almost 100 pages and ended up with phone calls saying they were the case manager or supervisor, and finding out that no one was who they said they were. We had decided to file bankruptcy against the credit cards and medical bills as all of our money, including our retirement was gone. We wanted to keep the house and the car (also with Chase). I even told them the date, which is funny because the next call I got from a gentleman that hardly spoke English left me 2 voice mails (this followed a call from a supervisor saying they could not return calls or give anything in writing. All had one thing in common, send more money and they would take care of the new loan). The 2 voice mails said we had to call him as he was the Chase manager for Temecula mortgage and that Chase had given him until midnight on the, yep, same date I gave them that we were filing bankruptcy.

I researched his phone number; it was the same number as the collection calls from 3 other "loan supervisors". At this point, we could not do anything else. We filed and I know our interest rate had dropped a lot. We had also set aside 2 small amounts of the loan to lock in smaller rates. I had those payments locked. I could not sign anything from this point on or I would lose the protection of the court. I did want to get the current payment amount so I could continue making payments. I took a folder containing the last 2 faxes all the information showing we had never been late until they made us late with their lies and asking that someone call me with the current payment amount.

I went to the mortgage bank, no one was in the office but a slot was there. I left the package with a written note asking them to call if it was the wrong place and they could mail the packet back to me. All I needed was the payment amount for that month. I never heard back from them. I continued making the 2 lock payments. A few weeks later, a letter went to my attorney for me, asking me to sign a form allowing them to send me statements. The attorney wrote a letter saying "we highly recommend you not sign this, it can be considered a re-negotiation and they can take away your protection and proceed with foreclosure as soon as we close, and we would owe the money even if we lost the home. It was another lie. I have continued to make the lock payments. But if not for the lies and manipulative methods to get money, we would have had a modification and a payment record with no lates.

Because of lies and manipulation, we became late for the first time. Money was paid to people that were not who they said they were because that’s where they made their money. This put us in a position where we may still have to walk away from our home. We are in our 60's, Larry got a new job with good insurance and works hard, but so some people in a collections department pretending to be supervisors, case managers, and playing games with people’s lives we may be out of our home with no possibility of ever having another. Even if our 1st TD continues to work with us, the loan with Chase puts us in a place where our house may never be worth what we owe.

From my point of view, even a first year law student can easily determine Chase representatives have not processed this loan in good faith. I'm absolutely amazed that this is allowed to continue and on such a recurring basis, especially when the pattern is so blatantly clear. Over $30,000 was paid to reduce the balance on a subordinated second loan (Chase Home Equity) to ensure the appropriate Chase loan-to-debt ratio was clearly within identified qualifying parameters.

We pay $2,185.48 for three months and then Chase renegotiates our income and then adjusts our mortgage to 31% below our income. We had been paying our monthly mortgage of $2,383.35 a month faithfully. We wondered what the purpose was regarding the trial payment plan, but the payment amount was less so for our September mortgage, we paid the new amount. Also, when Mamie had congratulated me, I was told the paperwork was ordered and would be sent out to me on Monday. I don't know what Monday she was referring to because we have not received anything from Chase Bank but grief.

After waiting for a couple of weeks for the mysterious paperwork to arrive, I called Mamie's extension and she is no longer with the loan modification at Chase Bank. She left a new extension number, to which I called and guess what? I got a voicemail. Kimberly ** extension ** said she prefers to email **. I emailed her and my response was that their systems are being updated and she can't help me until Friday. On Thursday, August 4, 2009, I received a call from my husband at work. Chase Bank has sent us paperwork, they are suing us for failure to pay our mortgage for the months of June, July and August. I immediately called our bank, Mission Community Bank of San Luis Obispo, CA.

They faxed me copies of the canceled checks for the months of June, July and August which had our mortgage account number clearly noted on the memo line with the Chase Bank stamp clearly noted on the back, meaning they had cashed our mortgage payment. We now have a court date on September 22, 2009 in Santa Barbara, CA.

We finally gave up on this property and found another house down the street from the round house. The second house was selling for $20,000 less than the first property. Once again, we did not meet the closing date and have filed for 2 extension of escrow. In the meantime, our original loan officer no longer works for Chase and our loan work has been moved to Grants Pass, OR which is 3 hours away from where we currently live. Now we are hearing that once again, their underwriters are having issues with the comps. They didn't like the adjustments that the appraiser made. The Grants Pass office tried to get a waiver on the appraisal, but that was shot down. Now we are approaching the end of the 2nd escrow extension with no resolution.

The funny part of this is the home we are attempting to buy is a WaMu/Chase foreclosure. They already own this property and their underwriters can't approve a reasonable loan so they can move this property. When this loan falls through, we will be closing our accounts with Chase and finding a bank that is more in tune with the needs of their customers.

I sent three letters by certified mail and only one was received. Finally, in lieu of making our August payment, I sent a letter describing how they already have enough of our money to cover the payment. I sent this letter with the coupon asking that someone call me to discuss and clear up the discrepancy. Instead, we were sent a late notice reflecting a late charge. I called again, twice and finally got through to Ileana **, a customer service supervisor. She was apologetic, said our case was being researched in the modification department, but that those people only communicate by fax or mail. She promised to follow up herself and call me back within 24 hours. This didn't happen. She had given me her direct line. I called it and left a message. No return call. I called the FTC and registered a complaint and have left a message with RESPA. The FTC rep. told me that if enough complaints are registered that they will have their attorneys investigate. Here are the numbers: FTC: 1-877-653-4261, RESPA 202-708-0502, and HUD 1-800-569-4287.

The last time I tried to get a modification, this past month, nothing changed. I was told the same thing by Anthony, who actually seemed to really care and took several days to get back to us with many phone calls in between. Again, we can not afford to save on our mortgage. Who makes these rules? Chase? Now the kicker. This week, I received my credit card bill from Chase. We have a 3.82% for the life of the balance of $10,100 that is left. We have been paying this off every month at a rate of 2% of the balance - at this time, approximately $181 per month. I never only pay the minimum, so we have been sending $200 plus the present month's interest charges of approximately $33. Chase just increased the minimum amount due to 5%, $506 per month.

Now if we can not afford to pay our bills per Chase, how are we supposed to come up with an extra $300 per month? When I called, I thought it was an error. I was informed that they can do that and if I wanted to go back to paying 2% of the balance, it was not a problem. All I have to do is agree to a 7.99% interest rate for 23 months and then the rate would go up to 18.49% in August 2011. Does this sound fair to you? How can they force me out of our original agreement 3.82% for life to 7.99% for 23 months? They claim that they sent me a notice back in June, which I never received or I would have raised cane back then.

I was also informed that if I do not pay the escalated minimum due, I would be in default of the original agreement and the rates would go much higher on not only their card but any other cards I have an outstanding balance on. How can that be? The family of Chase Banks seem to be more like a family of organized loan sharking, raising our minimums to a point they know we cannot pay and then defaulting us. My husband and I have never paid a bill late or bounced a check. Even when times are tough in our business, we are home remodelers, we would rather sell some of our possessions to pay our bills than be late on them. We are people who continue to pay even on a hardship just to keep our good credit and names. Now we are forced by this bank to default just so they can get more out of us.

Our opinion is that Chase realizes that we are on the brink and they are going to help by giving us a push. Therefore, they not only get us to default on their credit card account, but other cards will follow with higher repayments forcing us to go into bankruptcy. Now since we have over $100,000 in equity in our house and they know it, they can now force us into foreclosure and get our home. Is this what was supposed to happen in the stimulus package? Forcing even more families into bankruptcy? Is what they are doing legal?

I called Chase today and asked the teller what exactly the escrow payment is covering. She said Property Tax and Homeowner's Insurance. Whoa! I told her that we pay our own insurance to which she immediately replied, "Oh, it says here that you do but it was never applied to the payments." So, she said that Chase would be sending a refund check (which had better be at least $1,272!). Then, when I asked about us paying our own property tax in order to remove it from escrow, she said that this was impossible and that the tax will be applied for the life of the loan, which is fine. It is just one less thing for mom to deal with.

I know this is fraud. I was served with a summons to go to court which I will gladly do. I'm not leaving my home without a fight. I have been through hell trying to stay. I have all the documents to back it up so people don't give up. I can't even find an attorney with the guts to take the bank on, so I will go it alone. Banks are not working with the people at all. They sold our $300,000 home for $98,000 but they would not work with us to keep it, and, oh yes, another bank buys it. I don't think so. Wish me luck and good luck to all who try to save theirs to fight back. Please let your voice be heard. Kick, scream, anything, please.

What infuriated me even more is that it took forever to get them to realize that I had insurance all along and what they did was totally unnecessary and that I was due the escrow refund. They were supposed to start processing my refund on August 3rd and said I would receive it within 15 business days. Fifteen business days came and went, so I called again only to be told that the process had not yet begun. Not only had they not begun the refund process, but they were going to draft my account for the overage again in September. Then, they told me that I would have to go to my personal bank to get the draft stopped because they could not do it in a timely manner, which was a boldface lie because after I screamed at them they somehow got the draft stopped - go figure!

During that same call I was told that my refund would be overnighted. On Monday, I still did not have my refund, so I called again asking why I had not received it. They told me it was "in process" and again I would have to wait 15 business days. Total incompetence! I'm still out $362 and there’s no sign of when I'm going to get it. Since they have essentially "borrowed" the money from me, they should pay me interest and a penalty for not returning it when they said they would. After all, they're charging me interest for borrowing money from them and I can assure you I would have to pay a hefty amount if my payment was late! Fair is fair. I noticed Chase has extended their customer service hours. I'm guessing it's because they have so many complaints!

I got an unsigned form/boiler plate letter from Chase on 8/8 telling me things I would need an attorney to interpret as I sent all I was asked for. I complained to Freddie Mac who had some VP email me telling me he would forward my complaint to someone to handle. I also talked to Robin ** of Freddie Mac who said she would follow up as it was Chase, the servicer, who lost all my documents. I got a call on 8/20 from a ** from Chase in Florida who told me I do not qualify for modification because I had more than 3 months of cash reserves. I told him I anticipated what was coming and this was money I saved in escrow for mortgage, real estate taxes, insurance and medical and would be happy to put it toward the principal of my loan to reduce it. He said "You cannot do that!"

They left me hanging for over 5 months, then told me I have to resend the documents, run a credit check which affects my excellent credit rating, charge me a service fee as if I were asking for a conventional loan and have the gall to tell me I do not qualify for modification. Despite the fact that I am on SS and after paying my current monthly mortgage, taxes/insurance, I have $177 to buy food, pay utilities, medical, etc.

I am still waiting for the letter Mr. ** of Chase said he would send explaining why I was being denied. I am just sick and tired of trying to be financially responsible. My excellent credit rating has got me nowhere. Trying to reduce my mortgage payments to a level I could handle on a fixed income did nothing. I did all the economist said to do, save enough to pay the mortgage, taxes, and insurance to cover you for as long as you can. I sacrificed much to save the "cash reserves" which were intended for mortgage, taxes, and insurance only to be told I had too much? And I cannot use that money for what it was intended?

I have not purchased any new clothes in 7 years, drive a 16 year old car that barely runs, have not over extended any credit cards, have not taken any vacations in over 14 years, and always paid all my bills on time! If I did not have an ailing 85 year mother to support, I would just let everything go to hell and get a shopping cart! I am not on SS because of age, it is for medical reasons, I cannot work. I guess this is what you get for trying to be financially responsible, saving for hard times. Those banks who took all our tax money to bail them out are the same ones still trying to bleed us further. In my opinion, they are worse than Madoff! He took his money from mostly the rich.

I have inquired with brokers/banks, and because of my fixed income, it will be almost impossible to refinance, let alone at a rate to reduce my mortgage payments to a level I can afford without excessive fees/charges. Too bad Obama let the foxes who were bleeding and killing us all along in charge of the hen house! Those moneys grubbing Madoffs who took all our tax money to bail them out are just bleeding us further so we all lose our houses and let this economy go into the toilet so they can live high on the hog! What the heck are they going to do when they own all these houses of those who were financially responsible and they cannot find anyone to buy them because they bled all of us dry?

I would try and sell my house because I do have equity, but where do I go? I have an elderly parent who needs medical equipment to be concerned about. I could and will probably live on the streets someday. I will be 65 in a few days, but the only thing I can say is who in the hell made up the golden years? It is the horror years! I tried to prepare, I did not plan on illness or losing my job or living on SS so soon. I have no alternative at this time but to sell at a loss and hope I get enough to live somewhere where I can still take care of my mom for as long as she lasts. After that, I will use a shopping cart and live as best I can in a tent on my remaining SS.

All banks are nothing more than "Madoffs" in disguise! I still do not understand why Freddie Mac who acknowledged receipt of my application 1126 in April of 2009 has thrown me to the vultures and making me start all over again only to screw me further. I will tell my kids, anyone I know. Do not be financially responsible. It gets you nowhere. It makes me want to try and get anyone with a mortgage to just stop paying it for several months to see just how the banks/Madoffs respond. Just what in the hell would they do if we all just stopped paying? Talk about a drop in the housing market, think our economy can handle that? Maybe if they had to worry about paying for their luxury cars, extravagant vacations etc., pay check, it may get their attention?

Chase sent out an appraiser, who was not familiar with my area and is notorious for low appraisals. He appraised my house at $290,000, used a barn 6 miles away as one of the comps and other houses over 10 miles and 2 cities away for other comps. Chase advised me to call him and even after several phone calls to him, where he said he'd look into it, he did nothing to reevaluate my property. My footage was wrong, he missed a fireplace, number of exterior doors was wrong, etc. I complained to Chase Mortgage and was told to find my own comps. Not being a real estate professional, I hired my own appraiser, who totally was blown away by the first appraisal and found better, more suitable comps (no barns). I submitted them to Chase Mortgage to no avail.

Chase Mortgage would not accept what I had paid out of my own pocket for even though that's what they requested. Chase Mortgage denied my refinance with the excuse that no PMI was available because I live in a declining market. The original loan originator should have been able to tell me there was going to be a problem as soon as I gave her my zip code. I've asked for my $395.00 application fee to be returned as I was upfront and did all I should have done for them, including doing the appraiser's job. They keep on giving me the same crap that they have reviewed the tapes of my conversation. I've been calling the phone numbers they gave me to request a copy of that conversation, but they never return the call.

I think if one does the numbers, $300 for the average appraisal from $395 or more from what I've read on other complaints, times 1,000,000 applications would net Chase Mortgage several hundred million dollars free money. I did by the way secure a refinance from another company with no, that's right, no application fee and fewer charges than what Chase was going to charge. It all makes sense in retrospect now. Why would they charge a current customer who has a high credit score and always pay more than the minimum, always on time, unless they knew they were going to screw him? I'm not going to stop until they yield!

Since then, we have been waiting for a closing date, but we haven't gotten any progress. In August 6, my husband wrote to Senior Loan Consultants that our 90-day lock is expiring soon. They promised to extend the lock for another 30 days. As August is ending, these 30 days will be over soon as well. We are wondering if Chase is stalling customers, as the mortgage rates have been going up steadily since we agreed on the locked-in rate.

One more month went by, and the officer called and said the loan was with the underwriters and that we would hear news by the end of week. We were into week 3, and we got no news. I got a call from J. and was told my loan officer no longer works for Chase and my loan did not get approved due to high debt-to-income ratio.

My credit is now lower than when I started this process back in April. When I started the whole loan process, all looked good. We are assured there should be no problems. Of course, they have my $750.00 fee for leading me on (non-refundable). It's all a shame; they got some of my money, and it really never mattered to them if the loan was approved or disapproved. I'm a Chase member, and I have never missed a bill or my current loan.

It's very disappointing on August 19 when I got a call from J. letting me know that after 4 months of processing, my loan request was denied. My mother back in Trinidad spent over a 100 in fees and time at the US Embassy to complete the paperwork that was requested by Chase's underwriting department. I sent some people email, and no one has responded.

Three weeks ago, I nearly cancelled the refinancing after they asked for another copy of my equity loan note with Wachovia. I had called Wachovia and they stated that Chase never originally requested information from them until two months after I applied for the refinance. After numerous phone calls, emails from me and delays by Chase, I still did not have the mortgage complete. I waited three weeks and received nothing other than their email on receiving the documentation. Since I will be going on vacation and would be away for most of September and October and after waiting for almost six months, I felt that Chase Bank was not interested in completing the loan and I had lost the opportunity to take advantage of the low interest rate prevalent at the time I started the paperwork.

I emailed Mr. ** and requested, because of the outrageous delay, to return my original deposit of $750. He emailed me that he was canceling the loan and would return only $350. My son had applied for a refinance from Wells Fargo in June and had his loan completed early August. I have a copy of every email I sent along with the requested documents. I also have a log of every telephone conversation with Mr. **. It is most ironic that Chase Bank, that has been saved by taxpayers' dollars, now so poorly treats its customers.

The next week, we received a call from Terri ** stating that the paperwork was not filled out correctly and that she was sending blank forms back to me and that I should call her when I received it so she could walk me through the correct way to fill them out. I received the forms, called Terri, made notes of what she wanted and returned to the lawyer's office. The lawyer told me that it will not go through the way that she wanted it filled out and that since their office is in CA and we are in KY, there may be some differences. So, he tried to call Terri but can only got a recording. Terri never returned his call so we tried to call her. She told us that she cannot make outside calls (so how did she manage to call me about the first set of forms being filled out incorrectly?) and that is why she did not return the call.

To make a very long story shorter, we have been fighting with Chase and our lawyer for over two years trying to get the reaffirmation filed and have had no luck. So although we have never been late on a payment, we are not getting any credit history for it and since we are on an adjustable rate, we wanted to take advantage of the low interest rates and get a fixed rate but no one will touch it since it was not reaffirmed. We have reached a point where we just don't know what to do.

It is now August 2009, and we have not received any response from Chase at all. Our realtor has called and left messages, no response. My mother has called and tried to get some answers, no response. I have tried calling and getting answers, no response. We would very much like to purchase my mother's home to prevent her from losing it, as well as keep the home in the family but with Chase dragging their feet, be it because of the large number of foreclosures and short sales or simply them exemplifying the problem with lenders that home owners have expressed about banking institutes, I fear that we will miss out on the chance to save my mother's house and be first time home owners.

If we can get a "Yes," we can purchase the house or a "No, we will not sell the house," it would be wonderful so that we can move forward with our American Dream, being a home owner.

So April 8th 2009 comes around and they set up a payment arrangement for us. They took our April's payment and broke it into 3 months, part of April's in May, June and July. That was fine. So we asked, if we come up with all of the April's payment before the scheduled payment dates, can we pay it early? They said yes. They gave us confirmation numbers and everything. So on May 28th, that's exactly what happened. We came up with the April's payment and called in and paid it off. Okay, June comes around and we got a call stating that we are due for April and May. We are like hold up, we paid April's payment. They stated that the payment made on May 28th was applied to March. What?! That was not correct at all because in February, we made our March payment. That's when all of the trouble begins.

They took March payment and applied it to February and April's and applied it to March. I asked, "How could you all do that when January and February were applied to our loan amount?" They transferred me to several departments and all of them didn't know what to do. My account is still incorrect as of today, August 24, 2009. I called them again for the one thousandth time this time, asking for corporate number and the guy got rude with me and said "That won't happen." Then, he transferred me to a supervisor's answering machine. They keep sending us letter stating foreclosure soon because we are close to 4 months behind, when we are supposed to be only 2 months. They have yet to fix the issue, but have the nerves to say they "See the problem and we will have our research department to look at it." But this has been since June and nothing has been fixed.

Then, we were told the appraisal didn't come back enough, but we knew that wasn't true because we had a copy of the appraisal and it was way above what we needed to borrow, which was the same amount we had owed for years. We finally got a call today, 08/21/09, telling us we were denied due the appraisal was not enough. I believe Chase is committing/committed fraud, especially since I have read the same complaints and same stories online. Chase had no intentions of refinancing anyone's loans at that percent. Chase just wanted to make money off of people's desperation to try to save their homes. They have made a profit of $750.00 off of every person who has tried to refinance from them and has made it so it is nonrefundable.

After 4 months, we did speak with Chase 3 times, only because of our persistence. Well first week of August, a loan officer called and said the loan is with the underwriters, we will hear news by end of week. We are into week 3, no news. I called my Chase loan contact, Dana **, I got a recorded message saying he is no longer with the company anymore and if we have any questions call his former supervisors number. I called that number, of course it’s a recording. I gave the loan number and stated I wanted to know what’s going on.

Two hours later, my wife got a call from the supervisor stating Dana had resigned, our loan was not approved (to high debt to income ratio), goodbye, click. My ratio was lower now than when I started this process. When I started the whole loan process, all looked good; we are assured there should be no problems. Of course, they have my $400.00 fee for leading me on (non-refundable). It’s all a shame, they got some of my money, and it really never mattered to them if the loan was approved or disapproved.

I’m a Chase member. I have never missed a bill or not paid (I’m 54). How could it have hurt them to make it easier for someone to be even more financially responsible? I’ve talked to a lot of resources recently, and here is the bottom line with "all” of them, if I haven’t paid my bills or if I’m in foreclosure, I can get help! Crazy as it may seem I’m trying to pay my bills and not foreclose or declare bankruptcy. I’m just plain mad at the system.

I called in because now, they had 2 payments for the month of Aug. I was told I would not get any of the money back b/c I was delinquent on my loan even though I signed an agreement with them to do this trial period for a loan modification, Luckily, on Monday, I called my bank and had the personal check returned. Now, when I call in, I get the runaround to each dept. Nobody knows what to do, and I would like to request for something in writing on what to do now being I haven't received anything for the modification.

On 8/4/09, I received an automatic email from my bank that another mortgage payment had been drafted from my account. I immediately called Chase and they assured me that they could put the payment directly back into my bank account within 3 days. On the third day, I called and the story had changed to "We're very sorry for the inconvenience, but we can no longer access this account since it is closed. You'll receive the money within 21 days of your closing date." Oh, and after being hung up on a few times (I was on a landline) and being transferred back and forth between departments for a total of 5+ hours, they offered to overnight the check when it was released in order to expedite it. I also told them that the address they had on file was wrong and gave them the new one, but they still FedEx'd the check to my old address.

I received the check today, and it was still short of that mortgage payment (it was only the amount that they had confirmed was an escrow refund). I called to get information and spoke with a Mary who was unable to connect me with a supervisor because s/he was busy on the phone with other clients; however, she was able to seek advice from this supervisor when she placed me on hold. I told her that I would wait for her supervisor, and she put me on hold, but then I was abruptly disconnected after she confirmed that I would like to wait longer (again, from a landline). I called back and the department was closed for the day.

He took down all my information and said I was pre-qualified and all I needed to do was give them a fee of $750.00 and they would lock the rate in for 60 days. I sent him all of the documents he requested and waited for an answer. He said the loan should close in about 60 days. From that point forward, I never heard from him. He only responded when I e-mailed him and he kept telling me it would be done in a few weeks. Finally on 8-15-2009, I received a call from someone else from the bank telling me I’ve been declined. When I asked him why, he told me my debt percentage was too high. He gave me some crazy calculations on my income. They said by looking at my tax return they figure my income will be less in the next few years. I don't know how they can tell my income will go down next year by looking at 1 year’s tax return.

I don't work on commission I own my own business and have made the same or higher salary for the past 5 years. If they have asked for my last 3 years tax returns, they would have seen this. Then when I called my rep from the bank, he won't return my phone calls. The only way I could reach him is by e-mails and he won't even return my e-mails anymore. He told me by e-mail that the information I gave him on the phone didn't match what was stated on my tax return. I gave him exactly the same number on the phone as I sent him on my return. I feel they were just out to take my $750.00 fee and had no intentions on giving the loan. I knew the low interest rate was too good to be true. They were only out to get my $750.00 and that was it.

I have excellent credit and have never ever been turned down for a mortgage or any other loan in my life. After searching the internet I found hundreds of stories just like mine about Chase Bank re-financing. This is simply a scam to get fees from people and they have no intentions on giving anybody any money. Now the interest rates are higher I am out of luck with trying to get that low rate. Case dragged this out for months and now I missed out on the low rates because of them.

Somebody has to investigate this bank. The government gave Chase billions of dollars so they can loan this money to people at a lower interest and Chase just took the money and is not loaning it to anyone. Please can anyone help?

I called again and they stated that an advisor still has not been assigned to my account. By this time, I am angry. I am thinking I can go around the world in this amount of time. I am thinking that Chase likes to use the stall techniques. They already have my loan because I did not choose them - it was sold by another mortgage company, Starpoint Mortgage. I understand this process. I would like to get some timely input on the status of an application and not have them wait until the rates go up. After all this time, I finally find out that they are going to deny my application and are now telling me that I make too much money. They could have told me that in April 2009. This is August 15, 2009. Do you think this is fair to me the consumer? They forced people to just resort to being late on their mortgage and not trying to work through the system. It is very frustrating to navigate. There are always double-talk, delays and runaround given to us. I think this practice need to stop!