Chase Mortgage Reviews

When I got back and tried to pay the money owed, I was told that Chase had put the property into foreclosure. I did not receive notice of this at my Australian address and a real estate agent who visited my property said that there was no mail from Chase. I have spent hours and hours on the phone trying to solve the problems as well as sending emails. The messages I have left have been unanswered and the emails have not been answered.

Two nights ago, I spent three hours on the phone being pushed from one person to the next. After three hours, I was told to ring back in 48 hours. When I rang back, I spent another two and a half hours on the phone having to start again, trying to solve the problem and to register a complaint. I insisted that I wanted to register a complaint about Chase's appalling service, and eventually was put through to a message bank, yet again. In my life, I have never come across a company like Chase. They foreclose on a mortgage I have paid for 25 years without warning, and refuse to answer my questions about getting out of this mess and refuse to accept a formal complaint from me.

I then went to Chase Home Loan Consumer Help located in Las Vegas to get advice. I was told specifically that they could not help me until I was three months behind then she could help me. After three months, I contacted her again and she had me bring in all my documents, pay stubs, bank statements, etc. She submitted the paperwork to the bank and I was denied a modification in December 2009. I then received a Notice of Trustee Sale on my front door on or about February 2010. Nevada recently passed a law that allows homeowners to go through mediation before the bank can foreclose. I elected for mediation, hired an attorney (at significant cost) to help represent me through this process. It didn't help matters.

The first mediation was scheduled for the end of July 2010. The bank came to the mediation unprepared and after two hours they asked for a continuance of three weeks. We granted them the continuance (I didn't have to) because their attorney in the mediation stated that I qualified for the HAMP and this is what they were looking to accomplish. Three weeks later, we attended the mediation and after another three hours of bantering with the bank representative on conference call, we came to no solution.

The bank representative was so rude and kept accusing me of strange things that even the mediator was raising his voice to get her to pipe down. In the end the mediator wrote a long dissertation that the "bank acted in bad faith". What that means in Nevada, according to my attorney, is that they had to start the whole process all over again. I had two choices at that point: 1) I could go to judicial review, which costs more money. I was told by my attorney that the Judge that handles these reviews will send us back to another mediation, because he has not up to this date forced a bank to change to the terms of the loans. So don't spend the money and waste your time. So I chose option 2: make the bank start the process all over again. My attorney told me that they generally take quite a while before they start the process all over again.

On October 1, 2010, I received another foreclosure notice on my front door. I then decided to get another opinion, something didn't feel right. I went to the country recorders office and looked through the paperwork that had been filed on my property and noticed that the Assignment that was filed back in March of 2010 from my original lender that went out of business in 2007 was signed illegally by an employee of the foreclosure company saying he worked for MERS and Greenpoint Mortgage. My second opinion attorney told me that the bank never got their "Certificate" from the mediation and they have no right to start foreclosure proceedings again and they were the ones that were supposed to go to Judicial Review to get the "Certificate".

Long story short: I am being foreclosed upon illegally and unless I file a suit against the bank, they will be allowed to take my home. All it takes is money and more money to fix the problem or just prolong the inevitable until the State of Nevada does something. Many other States seem to be reacting to this widespread problem, but you never hear about Nevada doing anything. Why? Our elected officials are too concerned about getting re-elected rather than helping honest and good citizens that acted in good faith.

Needless to say, I received a phone call from Chase collection department, wanting full payment. I advise them that I was making the trial payments and they advise me that I was taken out to the loan modification program with no explanation as why. So, again I was set up on another loan modification, given about the same amount to pay for 90 days and told to resend all the necessary paperwork which was done. Needless to say, I was removed again with no explanation.

Now, here it is 16 months later and 4 different loan modifications set up, since I first applied and still no modification. I have called Chase every two weeks to check on status and each time was told my 'package application' was complete and waiting on underwriter. I just recently received letter from Chase stating they needed a form that has been faxed to them three times.

As with many of the stories I read before about Chase giving homeowners the run-around, I am convinced that they really do not want to help. So, right now, we are saving our money so when they do decide to foreclose, we will have money to find a place to go. There are two things that are disheartening; (1.) when i initially started this process, I was only 1 payment behind, now I'm 9 payments behind and (2.) sad to think that the government gave Chase money to help struggling homeowners, but have not found one person that they have helped. I hope that there is someone to help future struggling homeowners and it may be too late for me and my family.

After five different faxes of info, they finally told me that they had all they needed. So I waited another week to check on it. I was then told that I needed to send the info again because they needed updated info. I sent it again and after two weeks, I received a letter denying me the modification. My complaint is that fact that I tried to pay my contact mortgage during the process but was denied.

This all started when my wife passed away in November 2005. I also had to do an early retirement with the Carpenters Union. I then got a job with the city and was laid off. I am retired military and have a military pension and a small pension from the Carpenters Union ($1800 a month). I also have another source of income they refuse to take in to consideration because the only proof is on my taxes filed. Not enough proof for them. I got into this mess because they messed up the escrow analysis which created a deficiency every year since Chase became my mortgage company. I requested that I pay my own taxes, and after several attempts they agreed. I got behind in 2008 and was working with the city to make payment when Chase paid my property taxes and my homeowner’s insurance and increased my payments from $696 a month to $1100 and called it my mortgage payment.

The first payment was deducted from my checking account and bounced my other bills. The story goes on and on. I contacted the BBB and filed a complaint, but they said that they received no response from Chase and recommended I file a complaint with the Ohio Attorney General. I have filed this complaint with no reply. I am now over 9 months behind and the property taxes for two year totaling over $13000 in arrears. I am forced to file a Chapter 13 bankruptcy to save my home. I have retained a lawyer and once the debt counseling is complete, I will be filing next week. As a result, my credit is shot and I couldn’t borrow any money. My credit score is poor, so I can’t refinance or cash in equity.

I am not requesting anything from you, except that you inform someone in authority of the difficulties I have faced in my attempts to discover the status of the loan still bearing my name as a co-borrower of the loan. At the time of our divorce, Mr. *** agreed to assume the mortgage in his name. The divorce decree is also a court order and I mistakenly believed that he would follow through with it. I included that stipulation in the divorce decree because I knew that the bank had to remove my name to absolve me of any responsibility for the mortgage.

In exchange for that provision, I gave him all of the home furnishings, appliances, new flooring, new roof and rental property for which I had paid cash from my retirement savings. The only thing I needed in return was to have him remove my name from the mortgage.

I was unwilling to provide him with quit claim deeds for both of those properties until the mortgage was in his name only, but he took me back to court in August, 2009, with numerous other claims against me that the judge found to be groundless. I was ordered to sign them immediately, and I did. That left me liable for the mortgage, but without any ownership rights to the property. By that time, communications between us were completely broken.

In December, I received a court notice informing me that Mr. and Mrs. *** were filing for bankruptcy He still owed my money because I had overpaid him until the time of the court hearing in August, 2009. At about the same time, I received a short message that they had moved into the rental property. I assumed that the mortgage was a part of the bankruptcy process, so I thought that the issue was closed when I got the final notice of their bankruptcy sometime in February, 2010.

In April, 2010, Mr. *** emailed me with a request for another copy of the quit claim for the homestead property. He claimed that he had lost the first one. In that message, he indicated that he was going to get a deed in lieu of foreclosure agreement with Chase. While I was shocked to learn that he still had the property, I immediately prepared another quit claim and sent it to him express mail. Again, I thought the matter was closed.

In July, 2010, I received a notice from one of my credit card companies that they had lowered my credit limit. I called them, and learned that they dropped it because my credit score had dropped by 40 points. I immediately sent for a credit report and discovered that Mr. and Mrs. ***n had not made mortgage payments for several months. They seemed to coincide with the months preceding the bankruptcy hearing and the discussions about the deed in lieu of a mortgage. That was when I learned that my name was still on the mortgage account. Since my credit score was still 838, even with those adverse charges against it, I still wanted to find out the status of that account.

During my first round of conversations with Chase, I told them that I was well aware of my obligations for the mortgage loan unless Mr. ***assumed the mortgage. They sent a copy of the assumption papers for him to sign. Only a short while later, I learned that Mr. *** had been killed in a traffic accident. I called Chase again, told them what happened, and they told me to send a copy of the divorce decree. Because it indicated his agreement to assume the mortgage, they said that it would be enough. I sent them a copy, along with the enclosed letter, in August, 2010.

After hearing nothing from them for over a week, I called Chase again. Nobody knew anything about it, so they put me through to the assumption department. I got nowhere with that, since she kept indicating that I was responsible unless the new owners signed assumption papers. I already knew that, but I was getting very anxious about the status of the mortgage. Finally, the person in the assumption department gave me a non-working number for the foreclosure department. I gave up. Hoping that the process was finally over, I decided that I could accept a credit rating of 838 and leave those adverse reports on my credit report. None of the information I had been given made any sense to me.

In late September, I applied for a modest home mortgage loan pre-approval. I explained my efforts to discover the status of the Chase mortgage loan, and my concern that something may still be lurking out there without my knowledge. I figured that they might be able to help me figure out what was happening with it. Needless to say, they denied my loan application because my credit rating had dropped down to an average of 625. When I contacted the credit agency, I was informed that reports of mortgage non-payments were continuing to pile up.

By now, I was really panicking. When was this ever going to stop? Would this continue for the rest of my life? Where can I get some legitimate valid information? After jumping through the hoops at Chase, and leaving a message with the same person in the assumption department who was no help before, I decided to take a different route. I contacted my local banker to find out who I needed to talk to about foreclosures in a normal bank.

I then called a Chase branch bank in Florida, with the hope that their loan officer would help me find a real person who could discover the status of this mortgage. He was very helpful, and he suggested that I go to a branch bank here in Michigan and ask a loan officer to help me wend my way through this mess. He also gave me some numbers. I was lucky during my first call, since the customer service person was able to give me the secret number of the Chase foreclosure department. I called them, and was informed that the mortgage was in the foreclosure process and that a date was set. Then the person said that his system was down and that he had to put me into the queue. I called back, and was connected to someone else. That person didn't give me a date, but he did give me the name and number of the law offices responsible for the foreclosure process.

I called the law office. After five dead-end tries over a period of another thirty minutes, I was finally connected to you. You informed me that you would remove my name from the foreclosure process if I sent a copy of the divorce decree. You also told me that you couldn't say if Chase would remove all of those adverse reports from my credit report.

Over the past five years, I have managed to survive six fractured ribs, cancer surgery and radiation therapy, surgical removal of two of the smashed ribs three years after the accident, a divorce, and the loss of my life savings. All of that pales in comparison to the hopelessness I have experienced throughout this process.

Sincerely,Leila L. ****

Our mortgage payments increased almost $500 the next month. We are both well past 70 and retired on fixed income. The games these banks and investors played caused a recession which made it impossible to refinance as we had planned. Then they mishandle out attempts to improve our personal financial existence.

We really are at a loss. Our government bails, the banks out, and consumers can't get help unless you want to default. Why can't they help people before they get into trouble or fall behind? I try to keep my mortgages paid and not be late. I have been late on credit cards, but I felt that would be better than my mortgages. I guess not anymore.

The employee also confirmed to us in writing that the information was deleted. We do not believe you will be impacted by this; we want to make sure you are aware of what happened. On the back of this letter, we have included information on "How to Protect Yourself" that gives you additional steps you can take to help protect yourself. Again, we apologize for any concern. If you have any questions concerning this matter, please call us at 1-877-525-9156 Monday-Friday, 8 am-9 pm ET, or Saturday, 8 am-5 pm ET."

She called me in October 2009 to say my loan was done and a new loan document would be coming soon. To date, 17 months later, I have never received the new loan agreement, but I have been making the new loan payment every month on time. After more calls to Chase than I can count, and several letters, I was told just last month that my loan was approved in March and denied in June.

I am not being told they have to "update my information" in order to "reinstate" my loan. I was asked the qualifying questions all over again and sent the "Make Homes Affordable" packet all over again. I faxed everything required back to Chase and was told it will take 4-6 weeks for a decision. I got a letter over the weekend from the Foreclosure Dept, sending my Sept payment back. They told me my home is now in foreclosure. I explained the situation and an email was sent to my new "Relations Manager," asking her to contact me. My only hope is God's intervention at this point, so I am holding on to faith!

Chase informed me I had to carry $250K of flood insurance! After several go arounds with Chase representatives, they finally understood that my unit was in a building of 6 units and the building was insured by the condo association for over $600K. So they decided I have to carry $125K myself which is still too much.

There has been no flood in my area for over 100 years, and if by some weird chance water did flow over a 25 foot burn and spill 100 feet past to my back door, the water would only damage the first floor. My first floor is a tiled floor and the condo insurance covers the structure and roof. So what would be left would be the drywall! I don't think I have $125,000 worth of drywall work as my unit is only 1,200 sq feet!. I would think it is illegal for a bank to force me to carry insurance for more than what my condo is worth as well as forcing me to cover it for more than what it would cost to repair.

I never wanted Chase as my mortgage company. They bought my "paper" from First Horizon which is a wonderful company and very customer service minded. Chase ** and they are a rip off company! Chase has ** customer service. I could get in touch with our US President easier than getting a human on the phone at Chase!

We never have been able to talk to the same person twice, they give absolutely no guidance whatsoever, can't answer any specific questions, transfer us to several departments, then back again, each time having to run thru all our personal information again and again. They make it so difficult to get an answer that I think they hope you give up. They filed foreclosure on our house while we were trying to get them to process this application, then our request was denied, saying we don’t make enough money for a lower payment! (In other words they would rather take the house than give us a break).

Fortunately we have the money held back to reinstate the loan, (while many others don’t have it, and they get ultimately screwed). But just trying to get the reinstatement amount and where to send it has taken almost a month now, they keep telling us the reinstatement letter will be sent out, we wait, and nothing. After three go-rounds of this, we finally find out that we need to get the statement from their attorney’s office! And where is our "relationship manager"? There is none! The basis of my suit would be that we were assigned this Relationship Manager but still had no guidance whatsoever; never knowing who to talk to, or what to do, it was a farce. Could it be that the only reason a (non-existent) Relationship manager is assigned to each case is because it is a stipulation in order for Chase to get this government relief money? Which may be fraudulent in itself. But on top of them not helping, they have put us off for so long now that they have been able to pile on another $1000 in penalties and attorney fees. It would be my pleasure to sue them.

Today I was told that our modification was denied! What! How can that even happen I already signed new documents? I had a heart attack and quadruple bypass in May dealing with Chase. I could go on forever about hat I have been through with Chase. You cannot talk to anyone with a brain or anybody who care's. My whole life savings is in this house can someone please help!

We informed Chase reps that we had not asked for a modification but rather a short sale. They were unwilling to give me an amount they would consider. They instructed me to call them if we received any offers on the house and they would let us know whether they would accept it.

The house has been listed with a property management company for awhile. We have had no bites. We lowered the price several times and still nothing. I received a call from a Tracy in the Short Sale Approval department (something close to that). She informed me that our original information packet had expired and we would have to complete a new packet.

We completed all of the information and submitted pay stubs, etc. Two weeks later they initiated foreclosure action. They are advising people not to pay their mortgage in order to qualify for a program they aren't going to approve you for anyway. Also, the attorneys that are handling foreclosures in the state of Florida for Chase are under investigation by the Florida State Attorney's office for fraudulent foreclosures. We have found information in our own paperwork that differs from the documents provided by Chase. Dates don't match. Documents were notarized before they were even signed by us. I would like to initiate a class action lawsuit against them for fraudulent practices. Chase has all of these rules, yet the average consumer is not made aware of them.

They change the rules mid game. My husband is still on disability. He wants to work but cannot because his employer will not allow him to return to work until he is given a clean bill of health. He has had one arthroscopic surgery and must have another on the other knee. We must now pay an attorney to defend the foreclosure. We were unable to pay the mortgage because of my husband's injury and now must pay an attorney to handle this or we will never be able to provide a home to our children. We are staying with my family because we have no place to stay. It has wreaked havoc on our lives. My children have health problems. I have chronic migraines from the stress that this situation has caused us. All we wanted was help. If Chase was willing to work with us, just a little, we would be sending the money to them each month. Now we get to pay an attorney.

executive bonuses and pay raises. I am so tired of dealing with these folks. Sometimes maybe they want me to lose my home, and are not willing to work with you. All of my house payments have been on time for almost 3 years now. Please help me. Thanks.

The representative told me that my loan modification has been denied because I have not falling behind on the payments and that they only work with people who have fallen behind on their payments. If in the future, I fall behind than I can reapply. This does not make sense and does not sound like a valid reason to be disqualified. Just because I am making the payments does not mean that I can afford to make the payments. I am struggling to make these payments every month. This payment is about 50% of my income. I thought that the banks used a specific formula to help those in need. Please, I do not know what should be my next step and need some advice.

On September 01, 2010, a letter was written by the Homeowner's Assistance Department stating that I do not qualify for modification through the Making Home Affordable (MHA) or through other modification programs offered by Chase. The reason was that the monthly principal and interest payment on my first lien mortgage loan plus property taxes, hazard insurance, and homeowner's dues (if any) is less than or equal to 31% of my gross monthly income. I gross approximately $2,028 and my adjusted gross income is approximately $1,500 a month. My mother's income is approximately $900 (my mother helps me by paying the property taxes and I was paying hazard insurance to Allstate who would not renew my policy after learning that Chase would possibly be paying the insurance for me.

At present, I owe late fees of $3,392.76. I was offered a repayment plan of 7 payments starting this month, September 2010, $484.68; October through January, $1,222.17; and in February, $595.34. One individual that I spoke with told me that if I did not lock in to the payment plan, a payment of $2,000 was needed immediately to avoid foreclosure. I was under the assumption that lowering interest rate was available to all homeowners under the Obama stimulus package. Chase or any other financial institution should not let individuals go beyond 3 months with their so-called trial period on loan modification plans. I strongly feel that Chase and probably other financial institutions are intentionally setting individuals up to fail and foreclose on properties. Financial institutions are still looking after their own interests and do not have the best interest of individuals in this hard economy.

I do not have the money to pay back what Chase is asking for at this time. My mother is residing at the property and for me to tell her about this problem would bring on emotional and physical consequence to her health. This is any economic crisis for myself since I also pay bills at ** Albuquerque, NM, and at ** Las Vegas, NM. I would like to join the class action against Chase.

By this time my husband and I had split up. I was not able to pay that amount and he did not want the house. This is when my horrible experience started with them. I had already moved out and the house was vacant. I was walking away. I received a call from a Chase representative that wanted to know why we had not continued with the modification and what was going on in December of 09. I explained my situation, that I can not afford 1381 with only my income and she suggested that I try to do a modification with just my income. As long as I can get my husband to sign a Quit Claim Deed, they can modify in just my name and that it was worth a shot.

So, my process started in January 2010. I submitted all new info, got the quit claim deed and had hope. I kept in contact with the girl that had told me to do this until April. She had changed departments and had become an underwriter. I would call once a week to her, or to the call center from January until April and no one was touching my file. Getting a hold of the girl that told me to redo the modification was difficult, I would leave message after message for her with no resolve. I finally got a hold of her and found out no one had touched my file and they were going to sell my house. She spoke to her supervisor and was able to work my account. I later received a forbearance period from May, June, July. The paperwork told me I had 0 balance due and I needed to submit income information before July 1.

I submitted my information June 29th. I called once a week in July to check on the status and see if anything had been done with my work out. Every week a representative would tell me, it is in quality assurance, they are reviewing your information. It can not get escalated until it has been over 30 days. So I just called and called in July.

So, I called back on Monday the 9th, because I had not received the letter yet and I wanted to know why. The woman I spoke with said there was no letter sent and she wasn't sure what the other lady was talking about. She said she would get it escalated and that I had to submit additional paperwork again because my paperwork was over 30 days old. I asked what happened to my previous escalation from a week prior, of course no answer and nothing was done.

She told me I should have more information on the escalation in a few days. I called back the next day and spoke with someone else to check on what was going on. I was freaking out at this point because my house was going to be sold on the 18th of August. I was advised that it was escalated and to call back. I called back on Wednesday and at this point, I started requesting to speak with a supervisor or manager. This is when I found out that "they are only here for administrative purposes" Their front line is all you get and whatever they say, goes.

This is when everything is kind of blurry, I spoke with so many different representatives that it all kind of merges together. The just of it was that, I was in an active modification, but I was also in an active foreclosure. My account was messed up. No one was touching it and nothing was happening and my house was going to be sold in a week. I finally got someone to give me their manager, Paul. I spoke with Paul and explained what what going on and he agreed that it got messed up and basically fell through the cracks, because I was on a forbearance period where no payments were due. He said he has seen it before and apologized that the letter they sent me they did not tell me I had to submit a new package for home modification.

He got my foreclosure held off for another 30 days to give time for my package to be looked at. I printed off and resubmitted my paper work. I called to confirm if they received it and of course was told they did but it cannot be escalated until it has been over 10 days. I called back a week before my sale date of 9/15. I spoke with a representative that told me of course nothing was done, but new news. As of august 26th, they closed my account for modification. No real reason as to why, no one ever looked at my paperwork. She tells me she is escalating it and to call back Monday to request to have my foreclosure date postponed because she could not do it until someone has not looked at the account.

I call back on Monday. The first guy I speak with tells me he cannot do it. Something about fanny may, and it is too close to the sale date so he can not. I was on my lunch from work so I had to wait to escalate it until I got off of work. I called back after work and spoke with another man. He, without any issue, sent an email to his manager to have the account postponed because no one had looked at my paperwork. He told me to call back the next day to check the status.

I called back on Tuesday on my lunch and I spoke with a wonderful caring man. He immediately put me on hold to check on the status. He came back and told me the manager it was escalated to was not in until after 230est and to call back then, but that he did send it to his manager to see if he was able to find anything out. I called back after work, and spoke with a horrible rep. She was rude and just not caring. I work for a living as a customer service representative so I tend to be sensitive to their work, it **. But, when it comes to someone losing their home the next day because your company did not do what it was supposed to do, there are times you know that you need to go above and beyond the normal.

She said no updates, and it could be 48 hours. I don't have 48 hours at this point. I asked her to put me on hold and check with her manager, like the rep I spoke to earlier did because it was important. She placed me on hold and still gave me no information. I requested to speak with her manager, she refused, said one was not available. She started to raise her voice with me, which made me quite angry and I told her not to raise her voice or be rude to me, and, she hung up on me, released the call.

I called right back and spoke with another girl, who told me the same information, and refused a manager. I continued to request one and she transferred me back into the Que. I ended up with another girl. Once again was denied a manager. She told me that the reason that my account was not in modification was because all the paperwork was received while i was in an active forbearance. She could not of course explain why no one looked at my forbearance. She said i did not complete it, which makes no since, I did I submitted my info and made no payments as asked. It is their fault, they did not look at my paperwork and every time i called, I would get something new. Even the manager messed me up. According to the last girl, I should have had to submit a whole new package as of the 26th when they closed it, in error of course for not actually doing anything with my paperwork.

So here I am now, they are selling my house today and it is being foreclosed because absolutely no one did their job. I wish I had the money for a lawyer as I can see they have done the same thing to many people. Everyone asked me about all the help for homeowners in trouble, there is none. I wonder if the president actually knows, or even cares. But I am now homeless and nothing was done to try to help.

So throughout this all, no one at chase has any idea of what to do. The manager I spoke with should have done more to correct my account, but did not. All of the reps have been trained to just b.s their way through the call. These are people's lives and homes they are messing with.

After the questions were answered, I was told that the mortgage could be changed for a certain period until the 60-day modification process ended. Great, I took the bait! Paper work needed to be faxed, paper work needed to be mailed and it was all done with proof in tow. I never heard anything from them. I called in December of 2009 and was told they're still waiting or they need more paper work.

In the meantime, I wanted to know what payments needed to be made. Each person I spoke with informed me that I should keep paying the amount told to me in the beginning as I was still waiting for the modification to be done. After notices were put on my door not once, but twice, I did call again to figure out what was going on.

Chase has no short list of those meanies who call themselves customer service agents so I made a call. And you guessed it now. The amount that I was told to pay while waiting for the modification has completely ** me. And now, this rep was telling me that those payments were actually payments that were way below the initial mortgage price to get those who have paid on time to get them into the not on time slot! Well, this really ** me off then, another kicker is that with every one of those payments made, Chase also puts a negative ding on your credit score!

Cake topper--here we are, September 2010. And as of today, we have been told either you make too little, incorrect paperwork or certain papers that were received prior are outdated and need to be redone! I would love to see these guys go down. I will tell you I am not above corporate bashing as this is one of "those" corporations.

They were kind enough to suggest I should be happy and consider this "an interest free loan". Excuse me, I'm the one giving them cash up front for bills they are not paying! I eventually had to pay for the insurance to get my house back into the safety zone, since it had been cancelled. All the while, I'm still paying Chase for the insurance as well.

I requested escrow be released and to pay taxes and insurance myself, so I don't have to pay for these things twice. They denied my request. So, I'm basically getting robbed every month by Chase Home Finance, and there's nothing I can do about it. Stay away if you can. I'm paying my escrow to Chase faithfully and they are not paying my bills, so I'm paying twice for my home insurance and taxes.

Now they are trying to say the property is appraised at a much hire amount and refused to sell to my buyer. What are they doing and why did they lie to my sick father and take advantage of him in such a way? It is disgusting, the way they abused him! Shame on them! First, I have been sick from all of this back and forth with Chase. My father’s home, which originally belonged to my great grandmother and passed to my grandmother and then to my father, is also my homestead. The property is foreclosed without serving me, an heir to his estate. They not only foreclosed without the opportunity to fight back, but the foreclosure amount is now up to $38,175.80 and the appraisal completed in 2008 after my father’s passing is only valued at less than $11,000. How can they do this to a sick and elderly man? I do not understand!

I was told that no one from Chase could help me until I was actually late on my mortgage. I was told by a customer service rep from Chase to miss a payment and call back. Reluctantly, I did this. I called back to be told that I should consider a modification. I was told that if I could, I should make a payment, if not, I should not worry, they will just put it on the end of my loan when it's modified. I got the papers for the modification in the mail. My payment was lowered for a "trial modification" period only $145 less than normal.

I made those payments on time just as arranged. I called every week to inquire about the status of my modification as directed by the customer service rep. Every time I called, I got a different story from every representative I spoke with. I was told to send every verification at least 10 times. I was even told by a rep that "Chase is overwhelmed, we have so many foreclosures and modifications that we just can't keep up." We are told to tell the homeowners anything to keep them off our backs. I was also told one day that I am in foreclosure and my home will be sold, and the next day be told that I am still in modification. I was told on one day that I was in modification and the next day that my home was being sold in 12 days.

I have had to move from my 3,000 sq. ft. house back to a mobile home that I had on a piece of land that had been vacant for 16 years. I would like to rent my home, but paid Chase $16,583.62 to reinstate my loan and still over a month later am getting foreclosure letters again. I have not even received a statement from reinstating my loan. This very same thing happened to my neighbors. They just could not deal with the situation anymore and filed for bankruptcy.

I did not have that option as I own a piece of land, and they would take my land if I filed. I have contacted everyone that I know, including President Obama, via email. I am willing to file a class action lawsuit against this company if I can find enough homeowners to file with me. Please, if you have had issues with this company, please contact me. I want to hear from everyone who has.

I speak with them several times a month and let them know when I am going to pay and they constantly call me. They told me the only way they can stop calling is if I allow them to AutoDraft the money from my account. I have small kids and receiving a call at 8 pm disrupts my household when my kids have school the next day. I want this harassment to stop.

I believed by refinancing, my payments would be lower and be able to have extra monies for basic appliances that needed repair or replacing in my home. I need a new refrigerator. I need a new dishwasher. I need new windows, preferably the ones that are energy savers, and have screens, also. It is all about Chase Home Finance and it's financiers, et. al.!

Since my account from M. T. Bank to Chase Home Finance, LLC, my life and credit have been screwed up; and I don't know what to do about it. Last year (2009), Chase reported me to the Credit Bureau's (12 times), saying I was a month behind on my mortgage. When Chase told me I was behind, I went into one of their programs for "Repayment Modification", to pay back what I was behind. I thought that whatever I owed Chase Home Finance, LLC, would be taken care of by entering this program, and Chase would have been paid back up-to-date, by this program process. Every time a mistake gets made on my behalf, it screws me up. I am a 100% disabled Veteran, and evidently, Chase has no respect for our government. My credit has been destroyed by Chase Home Finance, LLC, and it may take my lifetime to clear my name. I am devastated. I am being charged every month for a late fee, because Chase is saying I am still a month behind. Can you help me?

The Loss Mitigation took our call and they advised us that they would not speak to a third party. The counselor informed him that she had been on the phone with Chase many times and this procedure was new to her. Then we asked for a supervisor and she also said they do not speak to third parties. At that point the Hope counselor Andy, asked for his ID number and supervisors name. He told her his supervisors name was Monkey. She then asked for him to please spell that. And it was as they thought, Monkey. We then ended the call. Then the Hope counselor put me on hold and said she was going to call them again.

She then called and got a crazy name for the supervisor once again. She then told me they were giving us the run around and for me to call the Housing Counsel in the morning and try to talk to someone else. The next morning, I called the housing counselor and we called Chase. We were then advised that there was equity in the house and that they were not going to work with me. She then told me my options were to pay the delinquency of the back money owned, and re-submit for the loan modification. I asked again if they would work with me since I had been making the loan modification payments every month and they are foreclosures in my area. She then said There are people out there who have money, who can buy your property.

The point of all this is I have been trying to stay in my house, a house I have worked my whole life for. I have done everything Chase has asked to do. I submitted all the paper work and have made every payment on my loan modification. Every other month they asked me for the same paper work. And even though I was very frustrated at times I re-sent them over and over again. They dragged me along for 16 months going through this just to tell me they are going to deny it because I have equity in my home. Then why did it take 16 months to tell me this? They should have told me this sooner then later and I could have tried to do something else.

Now they have told me that they are going to put my house in foreclosure in the next 20 days. Even though I have not received any paperwork as of today, 8/24/10 and I have made every payment on my loan modification. I received a phone call from Ms. Hill at the Chase Home Ownership Preservation Office yesterday she said that Veronica from Spring Board requested a review again on my property. This is the lady from the Obama Plan that called with me on the line to try and help. Ms. Hill asked again for all my documentation. I faxed it again today. She said she will summit to underwriting for review. I have to say she was very nice compared to all the other people I have had contact with at Chase. I also received a message tonight to call Loss Mitt regarding the packet I sent. Called and was advised not open. I did FedEx more docs 2 days ago after receiving another letter advising me I was denied due to missing docs.

I called Bruce ** to ask him how there could be missing paper work when we went over the completed documentation that he submitted to under writing for review. He also confirmed I was denied due to -NPV so I asked him how could I have missing doc's then? He advised me that Josie ** was assigned to my file last week and I need to contact her @ 818-774-1445. He said he e-mailed her to call me as of today no call from her. I have a few inches of paper work stacked going back and forth with Chase. I can't imagine what other people are going thru with this bank. I have also filed a complaint with the OCC and sent a letter to the Attorney General. It has been very stressful I have been under doctors care since March. I am on a roller coaster and stuck on the top. It is Friday September 3, 2010. As of today I have no new news.

I have called Chase and spoke to a Arlene ** and she advised me as of 9/1/10, my case was escalated but was reviewed by 2 underwriters for the Champ and Hamp programs and both were denied. She transferred me to Loss Mitt and I spoke to Trina ** and she advised me that I was denied and my account Manager was Josie ** and he contacted me to advise me of the denial. I told her I never spoke to him and I had been working with Ms. Hill and she was to call me back today after sending my file to underwriting. I told her that Ms. Hill advised me that Chase did not want to foreclosure on property and they had waterfall programs to help borrowers keep their home. I also tried to call Ms. Hill but the line was busy all day. After our conversation she gave me a phone number to dispute my NPV, which she said had too much equity in the property.

I called and spoke to Jerry **. I asked him about the letter I received regarding the NPV dated August 25,2010. He reviewed it and said the property had more than 30% equity in It. No matter what information I re-submitted it would be denied again because their is equity in the property. I asked him if I did not have the too much equity was my income in line for a modification. He said he was not at liberty to answer that question (wonder why?). I told him I had been in a trial modification for 16+ months and I want to keep my house. He suggested that I look for a new lender. I then said, Who is going to lend me money now that my FICA score has gone done significantly, now that is shows that I am ten months delinquent even though I have made my trial modification payment every month. He said that this is why we advise you to make your regular payments.

If I could make my regular payments I would never have asked for a loan modification in the first place. Why would you not review my property value in an appropriate amount of time, not 16+ months ago? He advised that most people do not have this equity, and to call Loss Mitt again. This experience has been a nightmare. I now know they do not want to help me due to my equity. I'm at loss for words that a Mortgage Company such as Chase has led me to believe for 16+ months that they would help me keep my house. Now that they have discovered I have equity they would rather foreclose on my property then help me keep my house by working out a payment plan. This is unlawful and absolutely unacceptable. What more can I do?

Today is September 7, 2010, still no phone calls received from Chase. I came home from work and called The Customer Assistance Group (provided from the OCC). I spoke to a Lisa who advised me to get a legal council and call my State Representative. Then I called Chase again to get any updates regarding the status of my loan. I spoke to Brian, he advised me my loan was being reviewed then transferred me to Loss Mitt. Dept, a recorder came on and told me to enter my loan number and last four digits of my social security number. The recorder then said, cannot process the call. I called back and spoke to Jacque and she advised my loan was under review then I was forwarded again to The Loss Mitt. Dept.

I then spoke to Emily in The Loss Mitt. Dept. who also said it was under review. I asked if I could speak to someone handing my account and she gave me a number for an Account Manager. I called and spoke to Denise who informed me that my loan was denied for the Government Program because I have 30% equity in the property. She also said I was denied for the bank modification, but I could re-summit again. I told her I worked my whole life for my house and I wanted to keep it. I asked her why no one has contacted me to discuss my account? She said my account manager was Josie ** and she would e-mail her to call me.

I told her the last time I called one of the other representatives e-mailed her and I did not receive any calls. I have been at this for 16+ months and living a nightmare day and night. I am now 10 months delinquent even though I have made every trial modification payment for the last 16+months. They would not take this months trial modification payment. It is obvious that the mortgage companies are not operating in the best interest of the people. Please help me.

Our modification isn't even seen by anyone and now it is April 2010, but we are still paying this payment and we have no idea where it is going. Our credit report comes back in the low 600's and we received reports that we haven't made any sort of payment. Again, where is the $1,745 going? After repeatedly calling, they finally said that we were put in short sale. What? So, after another bout of phone calls to people who have no idea what you're talking about, we finally get to an underwriter. On our original paperwork, it said 40 years at 2.4% and this is how they came up with the $1,745.

Well, after all is said and done in August 2010, we are modified. This was so worth ruining our credit and paying over $10,000 to who knows--because it never came off my principle. And now, we are basically back to where we started. Oh, and every Chase credit card was cancelled because of our poor credit even though they had 0 or less balances. Too funny--we are late because you told us to pay late and now we are penalized. Great plan. Obama should probably start following up on what is really going on.

A little after Chase purchased Wamu, things started getting crazy. Chase would take my $500 payment and take $200 for the current month (about $100 interest charge), take another $200 for the following month's payment, and thereby also taking another $100 interest charge. The rest is applied to the principal. So now, not only is Chase getting an extra $100 of my money by deliberately allocating it elsewhere, but the interest compounded over however many years! And for the record, it is stated in writing on my statements that an extra money will be applied towards late fees, past due balances, and then as additional principal reduction. Nowhere does it say that additional money will be applied to a future payment.

So now I'm mad and I call to get it fixed. Month after month after month because the system needs to get updated. Oftentimes, I would get an ** who couldn't add or grasp the concept of the misappropriation of my payments so things get totally screwed up. In the meantime, keep in mind Chase's accounting system is totally confusing. One payment can have 3 or 4 lines. For instance a $500 payment is split into $200 January, $200 February, and $100 additional principal. Each line is then designated into interest, principle, fees, balance. For some reason there would be a fee but that's just how the system works and then an offset on another line. So not only are my payments screwed up, but I have extra numbers to account for to further confuse me!

Eventually, I figured out a work-around so I wouldn't have to call every month. And when I finally decided to review those aggravating months of misapplied payments, the math didn't add up and I was being shorted because several idiot reps screwed up the reallocation of funds! For instance, one month, I sent in almost $700 but when all the corrections were made, my principal only went down about $70! The lady I spoke with was very nice and helpful but ended up worsening the situation. She saw the errors I was talking about and our math came to about $100 of each other which was good enough for me since I was tired of dealing with this problem. I pointed out 4 months that needed to be fixed, but she wasn't allowed to fix that many and had to go to her supervisor. I was promised a call back but never got one.

When I check my balance days later, it was close enough for me to call it even. However, because of the way the system is set up, now I'm showing to be 5 month past due and soon got a call from the loss mitigation department saying I owe almost $1000! Apparently, my payments from the last year or so have all been reversed and reapplied! Now instead of looking at 4 mixed up months, I'm looking at 20! And each month has like 6 lines to it of payments, reversals, fees, etc.

I offered to just pay $1000 to bring me current until I found out that something like $600 of that would go to interest and fees when I've never been late! I always pay early and pay extra and cannot wait to be done with this thing! Not only was Chase essentially stealing from me with their sneaky extra payment, but then, I can't fix the problem either! I have no idea how much I truly owe on my mortgage! As I mentioned earlier, I always pay early and extra and now I'm being embarrassed by collection calls for something that is not my fault!

Not to mention the mental anguish and torture of having to pour over payment documents and figure out complex math but also having to explain it to an unqualified **! Then there's the loss of time where I could have been working, generating income, or just spending time with my family but I'm stuck talking to the bank about their accounting errors! And yes, I've called to get this payment fixed so now my balance is back up to about where it was before the whole debacle started.

4 months went by. This continued on close to the holidays now and they then asked for business profit and loss statements. It became a second job. I was put off because of the holidays and they told me it was in the underwriter’s hands and it should be another week or so. This was repeated until May of 2010. I demanded an answer at this point and was told that I was denied. My first question was why didn't they just deny me a year ago? My second question was why? The first answer was I had a high credit score. My second response from a different person was I didn't have a hardship. My answer to that was why am I being punished for paying on time and not borrowing more than I can afford? My second comment was: Aren’t a significant loss of personal income and a $33,000.00 loss in my business a hardship? No one could answer my question.

Interestingly I tried to refinance and I was told I was not able to because of my loss of my tax returns showing a loss. I recently was told I can qualify. And because I have a federal loan, I can apply for a stated income loan at a higher interest rate. One of the things that has kept me going but almost took my life was having a drunk driver total my car. This was also a hardship that they were aware of. I have used my settlement for everything but medical. The funds will be gone by November. I have lost clients and business has suffered. My health issues because of the accident will affect me for the rest of my life. A future back surgery is what I am faced with. Since this accident, I have developed chronic pain which was diagnosed as fibromyalgia. I am 60 and a hairstylist and also an artist. Each day it gets harder to perform what I need to do to keep up. I feel I was done an injustice.

Now, a second problem has surfaced. My mortgage has gone up $100 due to the evil "Dennis" deflating my property taxes so it would look like a lower payment. I told him I did not want to do more than $1425 a month (I previously had a adj 7 year) and he said no problem. I live in Stockton, the foreclosure capital of the state. At the high of the market, my house was worth $460,000. Now it is worth $210,000 but miraculously I am not under, was and never was. I told Dennis when I received the loan papers that the $1700 payment was something I just couldn't do.

He said no problem, "Just ignore those Chase papers that will not be your true monthly payment." I was stupid to believe him. That was just one red flag. The next was when the notary knocked on my door with papers to sign and Dennis did not even call me for advance notice. The loan was suppose to take "no time at all." "This is going to be the fastest loan yet," Dennis told me. Yet it was approximately 60 days later with a lot of time with no contact from him. If I didn't sign the paper now I would lose the loan. I found PMI attached to my loan but I did not catch the property taxes being wrong. They were listed for a five month time period and I just didn't do the math. He was a fast talker like those cheap car salesman that will tell you anything.

So the story goes that customer service from Dimon's office called the auditor/assessor office and they quoted the $2820 as the correct property taxes at the time when really they should have been $3417. When I asked to whom they spoke to at the assessors office, it was just "Mark." Well what was Mark's last name? Chase didn't get a last name. How do you get answers and not get someone's full name when you are trying to investigate wrong doing? Ernest a supervisor from Chase just blew me off and said, "It is your own fault that you did not look at you signing papers." When I heard that I knew this guy was not on my side. So I am back to square on writing a letter to Dimon again to let them know of the evil ones actions. Dennis, .don't use anyone with this name at the San Ramon Office for loans. A true car saleman making lots more money. I am a teacher trying to put two children through college and on a very tight budget. My discretionary budget is small so to most people $100 is not a lot but to me it buys a college textbook or my daughters volleyball clothes required by the school.

All I am asking is for a chance to get our heads above water long enough to pay all of our bills (mortgage included) and take care of our three children. I work two jobs. My husband is a Houston fire fighter and works a side job. We deserve to a life without fees. We have paid off all but two small credit cards. When we were first in danger of loosing our home, my husband cashed in his 401k for $8000 and offered to send it to Chase Mortgage to help keep us out of foreclosure. We were told it would not help by one agent and then after using the money to pay off credit cards, we were told by another agent that the money would have helped! Everyone needs to get their stories straight.

There are so many fees and pending debits that it is hard to keep up with where our money is really going! I want to be able to sleep at night without wondering where my money is. We have been overdrawn monthly in our bank account and therefore have a credit score below 600. We spend most of married life worried about money and working just to get out of the red. We have not even attempted to refinance our home in fear that they would laugh at us. Most of the time we have to borrow money from family to buy groceries.

I find myself perplexed as to whether writing you will help me any, specifically, but maybe on a larger scale if at all regarding my plight and I am sure is in a way the same for thousands of others as evident in the classifieds section of every newspaper publication. My wife and I moved to Sumter, SC in 1997 and purchased our first home. It was the American dream! Having our own home. It was mortgaged through Chase. To speed things up here, I lost my job in middle management ten years later in 2007. I exhausted my $401,000 up to make payments and still have no job to this date. This past January, I contacted Chase and asked for a forbearance plan to be worked out as I couldn't maintain a six hundred dollar monthly mortgage payment, which they did. It was set for 6 months at $360 per month.

The rep told me that after the third monthly payment, someone would be assigned my mortgage and call me. I made my third payment on March 28th and on Monday the 29th, sure enough, I was contacted by a Juanita. She informed me to not make another payment till I heard from her. I repeated it back to her as I thought I had heard wrong. "Do not make another payment?" and she said, "correct". Two months later (5th month in plan), I attempted to call the number she gave me and the extension, only to get transferred no less than 6 times until I was finally transferred to a number that scrupulously said upon answering, "We're sorry this number is no longer in use, please hang up". That had me pretty upset as it took forty five minutes of my day up and no positive results.

The next month (sixth month), I called and asked what was going on with my remodification. The rep said it's almost complete. He also said he had all the paperwork. At the end of the trail period (six months), I received a letter saying they couldn't remodify my loan because I didn't supply all the paperwork. I was just told I had! I called back again and then they said I had to resubmit every 60 days because the paperwork becomes obsolete after that length of time and has to be resubmitted! That was a first for me to hear. They are so inundated with remodifications that they can't even get to my paperwork within 60 days. So I have to continually send in paperwork. It's like "a snake eating its own tail" over at Chase. Meanwhile, elsewhere, papers are being drawn up for me to appear before the Master in Equity.

I resubmitted all paperwork again (4th time) and now, I got a letter from the law firm representing Chase to appear before the Master in Equity. He explained what was going on and I explained my plight. He said that I must have "fallen through the cracks" and it sounded like I had gotten "the shake down"; to use his words. He went on agreed with me to mention that the banks have so many remodifications that they can't get them all in a reasonable amount of time. I told him that wasn't my fault and not fair to me to be the one penalized to sell the place I live, my house, my nest egg, my home! For their inability and incompetency and lack of any governmental oversight to hold me the one accountable, when all I have done was comply with their request; from filling all the paperwork out of which they verified receiving, to not making payments that "Juanita" asked me not to send in till I heard from her (of which I still have not).

By the way, not only did they report the months I didn't pay per their request on my credit report, I also paid penalties and late fees. Why would they want to remodify especially when my interest rate is at 8.9% APR down to 4% APR? After all, they are in business to make money plus, who do you think is paying the tarp money back? They have eaten all my equity and all I have worked so hard to achieve watching what I owed form $48k to right at $60k now. So now, I can't even go anywhere else to get a loan. They have me pigeonholed now! Let the beast feast!

I've jumped through so many hoops with Chase, Senator. I cry every day and rustle restlessly every night worrying about what I am going to do. I've given Chase everything asked of me and now, the master of Equity is going to sell my house/home that I love so dearly without any compassion or even logic in reasoning as if I am the one at fault and I am not. It is also my sincerest belief that Chase operated under unfair consumer practices and took advantage of my thinking that they were operating in "good faith". I don't know what else to do. I fear I am going to be yet another statistic that what I call the continuation of the "Rape of the American People". Furthermore, I thought I was living the American dream, only to find out that it's just what it was... A dream. My sale date is scheduled for the first Monday in October.

I provided my loan # to them and they have no record of me ever having a loan with them, yet they are reporting to Trans Union and Experian, that I was never late with them. Chase suggested I contact Equifax and dispute this with them. I advised Chase that it is their job to forward information to the credit bureaus, not me, and I am not able to dispute something on my credit file, that isn't there to begin with.

As of 9/2/2010 the Chase Rep promised me that they will contact Equifax, and have them report my loan with them by 9/7/2010. I will not be holding my breath but I am keeping my fingers crossed, in hopes that Chase follows through with what they say they will do. By Chase not reporting to Equifax of my previous mortgage, this has caused my credit rating to drop 100 points. No telling how long they have not been reporting the required information to the credit bureaus. As a result of them not reporting, I am not able to get loans, and loans to which I do get are of high interest rates.

She lied and said that both lines showing the same payment stream was proof and that if it was a variable. The second stream would have different figures. Both say 5.9 percent. About 2008, we noticed after perusing the bills due to an increase that we were conned and that Chase had devoured our trust as is coming out they did to hundreds of other trusting taxpayers who bailed them out. They are liars. We wrote the Comptroller of Currency which in itself was worthless other than to record the banking thefts for future generations and write Chase which made things worse. There were phone calls at work, harassment and threats, vulgarity and demeaning nastiness.

At the beginning of this year, we noted that the bills had gone from $180.00 to over $300.00 a month. Again, we called and we were told that ‘Oh, didn't you know that you have only been paying the principal and now you have to pay principal and interest?” “No, we were not told that”. We started getting late fees of hundreds of dollars. Our contract stipulates no more than $30.00 a month in late fees so we called. We were told that if we paid $630.00 this week combined with our payment of $517.00 last week, we would be caught up. Three (3) days later, we got another bill for $1037.00! They again lied and deceived and it is assured now that the reason Chase is doing well is that their inflated lies of late fees.

When I called and asked for a print out and explanation of all fees I was told that my account had been updated and I would have to give my new 4-digit code or they wouldn't speak to me? I never got a code or gave a code. I called another of the many numbers I have after trying for over a year to remain in our home and satisfy this manipulative and deceitful company. I went through the million questions to verify I was who I said I was and asked for a print out explaining these anonymous fees and was told that that is not their job and I will be transferred to somebody else. The deceit continued and as always I was put on perpetual hold and hung up on.

6 phone calls later, I found out why I am being continually threatened with foreclosure and my bills now exceed over 10 times the initial contract. What Chase is doing to their customers is after conning us, they profit off our hardships by never applying any payment to late fees. I asked what late fees I owe and I was told to send yet another $312.00. I told the lady that one of the 3 different figures sent this month says $325.00 which means Chase will take the $312.00 leaving me short of $13.00 and applying another anonymous $200.00 fee. My contract says $30.00 late fees which equates to them saying that I am over 11 months late! Chase admitted that they lied and told us to start anew meaning they will continue the fraud and I should get over it. They are vulgar unethical liars, a soulless corrupt thief. They have no intention of working with the consumers and are feeding off the desperation and frustration of human beings. They are sucking every drop of milk from us and have no intention of permitting us to catch up.

When I said I would walk away, they said that they can move us into a house that I can afford but my house is the lowest appraised at $70,000! I was told to modify but after getting the paperwork I spoke with partnership program of the U.S. Government and they said it was a scam and that I would not modify my equity but would have to modify the original loan. As it stands, they lied and defrauded on a contract. They lied about fees. They lied about modification. I will complain too you but I know you are corporate preferred and I will blog it and blare it wherever I can. They have destroyed our faith in corporations and anything to do with business, ethics and morals. If the government permits and sanctifies the sickness, you will too.

The loss of what I have worked for over 50 years. I will lose my home because Chase wants it and my faith in humanity. I regret serving this country and shame at where Chase and the banks have been permitted to take us. I feel no longer proud of my country. I will never put my money or trust in any bank. I will lie, cheat, and defraud without any regrets. I feel nothing for anyone. I feel no responsibility towards anyone because I am tired of a place where corporations are nullified from accountability and responsibility and I am expected to be responsible for their lies and deceit. I am physically sick. I am nauseated at having to have anything to do with Chase.

Last Friday, I applied for a loan modification, in an effort to reduce my monthly mortgage payment. I discovered today, August 31st, that I do not qualify for the modification because "I did not settle before January 1st 2009" I quickly called Chase and informed them that I made a mistake on the paperwork by indicating that I bought my house before 2009, when in fact I settled January 31st 2009. Because of this mistake, I no longer met the qualifications for the loan modification. I apologized for the mistake, and they told me it would be taken care of. I was advised to continue to make my payments on time or penalties would be assessed.

I go online tonight to pay the mortgage payment, because by the grace of God I have enough money, and I could not pay it online. The link to make a payment had been disabled. So I call to see what's going on, and was told that because I applied for loan modification, I am now unable to pay my account online. They did, however, offer to take a payment over the phone for an additional $20.00. How kind of them! When I refused to pay the additional fee, I stated that they disabled the ability for me to pay my payment without incurring extra fees, and failed to notify me in advance, resulting in my being forced to make a late payment for the first time ever. In addition, they refused to waive the fee to pay it over the phone. In fact, I spoke with six different Chase customer service agents and all they told me was that they would not reverse the fee, and that I could wire the money via Western Union, take off work to go to a Chase bank, or pay it with a check by mail. All of which resulted in me either losing money or making a late payment.

I don't understand how Chase Home Finance can do this. Obviously I applied for a loan modification because I am broke! I am ashamed to say that I can't pay the $20.00 extra to make my payment on the phone or wire it western union or take off work to go to the bank, because I don't even have an extra $20.00 to give. All I wanted to do was give them the payment and for them to waive the fees since their "system" will not allow online payments for up to 30 business days because the loan modification is still in process.

Every month on my mortgage and my credit report, they are showing that I am behind. That I have a outstanding balance of $2856.06 and a balance of $4284.09. I am behind $1200.00. They have me at their collection department and I'm not even a full payment behind. It is extremely stressful. I am constantly worried about their actions and why they are not putting that money toward my balance.

The ironic part was that for over three months, I spoke to someone at Chase on an almost daily basis to follow up with them on the modification they were doing for me. I think they would've told me that they were auctioning the house instead of making me jump through the loan modification hoops! Is anyone out there listening? This is happening to home owners left and right. I see it everyday being an agent. A family member took a pay-cut at work, which most are these days. He asked his bank if they could work with him. He jumped through all of their hoops only to have them tell him he didn't qualify. He was told by his bank that they could only work with him if he were in default.

So they are telling Americans to mess up their credit to get help. What about being proactive and help keep homeowners in their homes and paying every month instead of requiring them to screw up first and not paying anything at all? All of these banks, big and small, are offering to modify loans, only to tell homeowners that because they missed a signature on a copy of a tax return, they can no longer process the modification. Is this really happening in America? People losing their homes of 20, 30, 40 years because of bad loans and now no solution to these bad loans? It's all of our responsibility to get America's economy rolling again; we all took advantage of the low rates and the cheap money. The banks have stimulus packages and investments to keep them going. What does the average hard working American have to help them get back on their feet? How can we keep America going if we can't even keep our homes? I lost my home of 10 years.

were and still are hitting historical lows. I did not seek to pull cash out of my loan, but only to refinance it to a lower rate and Chase is now my current mortgagee so I thought I would go with you since you contacted me. Now I have incurred the cost of an appraisal and a lot of time involved without the benefits of a new loan.

2. I have flawless credit, maintaining a score of over 790, and have maintained that credit for many, many years. I own 2 rental houses free and clear and every property that I own has excess equity required with positive cash flows. While the banks were lending money negligent in the past years, I was doing the complete opposite setting up my finance for the ability to buy house for my future at discounts which I will continue to do without Chase's help. I have now bought 6 houses in the last 2 years (2 free and clear and another one soon to be in the next month or so) and all with less than 50% loan to value loans with positive cash flows.

3. My property appraisal on the subject property came in at $1,275,000 and with a loan of less than $665,000 the loan-to-value would have been very good according to bank standards.

4. Chase was advised from day one about all of my properties and encumbrances and still convinced me to go through with the loan. Now it is Chase that has backed out of the loan. In closing, I feel it would be in my best interest to pursue other avenues to have any fees returned and to file a complaint against Chase bank to the necessary authorities due to the misinformation that I was given at the start of this process.

P.S. Hopefully you will pass this email on to your superiors.

I started this most horrible experience of my life with Chase in April of 09 by applying for the Making Homes Affordable Program. My hardship was that my husband was no longer able to work due to illness and we only had my income to pay our bills and his medical expenses. I made the initial call and was qualified immediately and Chase sent me out a package to fill out and send back to them. I was told that I qualified a few months later and was sent another package to fill out and sign and was given their Trial Modification Period, which I was told was only for me to make my adjusted mortgage payment for this trial period of 3 months to see if I could make my payments on time and then it would be finalized and approved for my final modification.

I made sure when I signed this agreement that my credit would not be affected if I agreed to this trial modification period and I was told repeatedly that it would not be reported as my husband and I had perfect credit and have never been late on any of our bills or our mortgage. Chase had been our mortgage lender since we purchased our home 13 years ago and we had never been late on a payment.

Well, after the initial 3 months I had made my payments on time. It was January 10, and this is when my life turned upside down because of Chase. I literally had to make phone calls once a week to them as I was already getting worried because when I would call I never got a straight answer to my questions. I would be passed around and told to call different numbers never getting the same customer service rep. I was always told by them not to worry that this is the procedure you have to go through and I was looking great and should be no time before I had the final modification to sign. Every 60 days I would have to gather my financial updated information and fax it to them so as they put it I would be up to date and wouldn't get put to the bottom of their pile. Months went by and I kept making my modified payment as I was told to do by the 1st of every month.

In April of 09, I had an episode where I had passed out for no reason I knew of as I felt healthy and had to go for many tests until finally I saw my neurologist and was sent for the final test a brain scan and was diagnosed with a brain aneurysm. I was scheduled for an embolism procedure at Lahey Clinic on July 13th. So I still made my weekly calls throughout all of this to them to make sure they were getting all the information they needed and to make sure everything was still good.

In June, my husband, who is on SSI disability now and at home, received a call from one of our credit cards (Chase Visa) telling us that we had been reported to the credit bureau and that they cut off our credit line. The next day we received another phone call from our other credit card also Chase telling us the same thing. I called them and they said to get in touch with Equifax and request our credit report to see what was reported. We received our credit report and the only thing that was negative on it was from Chase Mortgage stating that we had been making short payments due to being in a loan modification program.

I called Chase to ask them why they would do that to us after we had never been late in our lives and why would they misinform us because we had been told that this wouldn't happen. After many phone calls to them and going through every department there I was told that this is what happens to everyone going through the program and that they were sorry I was misinformed, but there was nothing they could do until we either got approved for the modification and then all late fees and penalties would be put at the end of the new loan and they would then clean up our credit report. I tried then to call a Veterans Administration lender, as my husband’s a veteran, to refinance, but was told that due to Chase reporting us to the Credit Bureau they couldn't refinance us till our credit report was clean for 12 months. I felt hopeless and lost and mad that I was lied to and after all of this was still calling once a week and getting the runaround.

I had to focus on my health after this last episode with them as my surgery was coming up. I went through my surgery and recuperation and then started to focus on this problem with Chase again determined to get an answer. I called them on July 30th and demanded to speak to a manager. I was told one would call me back by Tuesday the 3rd. I also researched on line and found HOPE, a nonprofit housing counselor, for help. I was given a councilor who said she would call and conference me in on Wednesday if I didn't get in touch with a manager by then. Well, when I called Chase on Tuesday the 3rd because of course no manager ever called, I was told I was denied due to the debt to income ratio.

I though it funny how when I asked for a manager to call and got in touch with HOPE that I was denied the next day. I was astounded and couldn't believe what I was hearing. They sent me to another department and told me I then qualified for their in house modification program. So I was sent another package filled it out and sent it back reluctantly as I now did not trust Chase. I ended up owing more money for their fees and penalties. The mental anguish that I was put through for a year and a half. . .

The very next day, on the 4th of August, my husband who is sick at home started receiving calls from Chase asking for money to be sent right away as I was 3 months delinquent on my mortgage and needed to send this to get current. They actually called a couple time that day and the next day. I was infuriated and called them and told them not to call my home ever again as they were bothering my husband who is sick. I desperately called HOPE and went over my figures with them and they told me that I was well within their guidelines and shouldn’t have been denied MHA program. We got on a conference call with Chase and my councilor asked them questions, but of course we didn’t get any answers. I was told by HOPE to keep calling them once a week for an update and if I had any problems to call them back.

Then the unthinkable happened to us on the 23rd of August (ironically this is the date of our anniversary of purchasing our home). We received in the mail, one for my husband and one for me, the Accelerated Intent to Foreclose Letter stating that if we didn’t pay $3609.03 in 31 days, we would be foreclosed upon. We were shocked. I took off from work on Wednesday the 24th and my husband and I called HOPE, who in turn called Chase for another conference call. We were told by the CSR Carlo ** that this letter of foreclosure was probably just an automatic letter sent and not to worry about it, that we were still in active review and that they wouldn’t foreclose until we had a decision from them on the 2nd modification application. Well, that did it for my husband and I. We told Chase right there and then that we wanted out of their modification program and that we would have their money owed to get us current.

We called our son in CA who generously agreed to lend us the money owed to Chase. I called them the next day and comically took me 40 minutes and five different customer service reps to get a final figure owed (I wanted to make sure that it matched what the foreclosure letter stated). The other thing that I just had to laugh at was when I asked the last CSR if it noted that we want out of any of their programs, he said no and that I would have to place this request in writing and send it to them to opt out of their modification program!! I’m so scared right now that when I send them this final amount due, which I can’t even get a breakdown of charges (penalties and late fees) because I figured for the shortpays every month for the 11 months I was on the trial period the total amount I should owe them was $2773.54, but I was told that was incorrect that I owed this $3609.03 (a difference of $835.49). I guess this is for late penalties and fees, but I can’t get an answer from Chase.

My main concern right now is not to get revenge on Chase, but to make aware their practices and procedures so that they don’t hurt any more hard working American homeowners who are only looking for help.

After months and months, I talked to 20 people and experienced being transferred to 5 different departments (as apparently not one single department knows anything about any other department) and being lied to by supervisors and being ignored. The first 4 times I called no one even noted in my chart anything about any of this and I am disgusted and angry.

Chase has increased the amount of my house payment. I am on a fixed income and made sure that the payment was one I could afford before closing on this house. But it go up $60.00 a month and I have been counseled on my job about using the fax machine and business phone to discuss this matter because when you call Chase you made to wait 15 or more minutes before you get someone. Then you are put on hold for more time and then transferred several times, etc. I believe I should pay the money back, but I do not feel I should be forced to have the payment go up on me. I should be able to repay the amount to my escrow in a way of my own choice. I work two jobs and have a child and have many expenses. There are times I could put some in there, but I can not afford to pay that amount of a house payment when it exceeds the amount of the check I get on that date and I had the payment date set up for the exact day I get paid at the beginning of each month.

Because Chase mortgage refused to help me out, I lost my home (the only thing I had left). I was forced to file bankruptcy because of the horrible debt on my head and Chase ended up selling my property through a silent auction or something like it for half, yes, I said half of what I owed on it! I love the fact that they were so money hungry that they would rather settle for half of my debt vs. helping me out and eventually collecting the whole. They would rather put a single mother and her baby out on the streets, instead of working it out. I lost the last thing I had. My home had sentimental value (I know that means nothing to them because they seen me as a number and not a person). I lived in the house as a kid and swore I would purchase it when I got older, which I did and now it's gone and to this day, my heart is still broken that my home is gone.

They are rude, and will not stop calling. I don't know what to do at this point. I have explained that my mortgage was included in the bankruptcy, and they just keep repeating that they would like me to setup a payment by phone! It is emotionally draining, and it interrupts my day. I have two small children, and Chase is calling all day, even as late as 9:30PM. I have an attorney, and he has also attempted to contact them to stop the harassing calls, but they keep calling. I want them to be reprimanded for what they are doing to me, and many other individuals.

This went on for a long time until I had to get the help of an attorney, then I could no longer make my payment which I missed 3 months. Subsequently thru my attorney, I received a letter from Chase placing me on a trial period for three months urging me to pay $750 monthly. However, advised me to continue the payment if the modification process wasn't finished which they claimed would end in 3 months. I had started this process in may 2009, my attorney in October of 2009. I submitted all the document they request but the Bank claimed my only source of income which is my child support from out of the country is not recognized. Cause it was not Court Ordered here in the United states, as a result am denied again.This notarized document of child support from out of this country was the same original piece of document that supported me when I original purchased my home in 2007.

My income didn't qualified me which was $7.00 an hour working with Mashalls Retail Stores. It took Chase almost 2 year to finally say if I didn't qualify for loan modification I will have to pay all my past due which now amount to about $10,000.00. Why did it have to take this long to say one is not qualified, when they are not really trying to help their customers? How do they expect me to raise such amount knowing am not working, but with my present income I can never miss payment if am still paying same $750.00 and lower my interest rate. I need help. Anyone who could do something to change how this bank is toying with our lives. I love my home and will do anything to keep it even if I have to fight with my last breath, can't leave my children on the street cause my parents gave me a home and shelter till their death.

I kept being told that the underwriters were holding up the process. About 3 weeks into the process I received a call from a local bank where I currently have a line of credit, with zero dollars drawn against. They informed me that Chase had contacted their loan dept and was putting pressure on them to either close my credit line or lower the limit. I felt this was unethical, maybe illegal? Furthermore this sent me through the roof! I immediately contacted them and told them that the deal is off. I have since switched my checking and savings account, and plan to shop for another mortgage.

I tried to place a complaint with the local Chase branch manager; she was nice enough to give me a number that was no longer working. I also sent an email message through my online account, but no one returned my call. I understand that these are risky times for lending, but they already had my mortgage, and my credit line already existed. I just don't get why they want to **** off their good customers that are not financially strapped or a credit risk!

But trying to be optimistic, we made 5 trial payments, just to get a letter from Chase that as of Sept 1st, our loan will be serviced by another company. I called Chase and asked how the trial loan modification will work since a new bank is taking over. We were told not to worry, that our complete file will be transferred to the new bank. I called the new bank, and they have no paperwork from Chase, and no idea that we were on trial payments! How can Chase do this to people who are struggling to stay in their homes!

We waited 1 year just to be "sold" to someone else! !Chase is a fraud! They will play with people's emotions and with their livelihoods. Today, I filed a complaint with the FTC and am looking for an attorney! In the meantime, we are most likely forced to let go of our house! Please help if you can shed some light on the situation.

Then in October 2009, I went to NACA to see if they could help with the situation and have been waiting for Chase to respond. I then filed a previous complaint with the company, which received a phone call from a Chase executive. She did send me more paperwork to fill out to start modification again. It has been two months and haven't heard anything from them. I have tried to call and left messages and no return call. I have been trying to get this straightened out for a few years. All I want is for them to fix my loan so I can pay my amount that I was suppose to be paying originally. I have a 4 yr old son who I am raising all by myself with no help from his father at all. My son deserves something stable in his life and this is where he has grown up. Please help thank you.

Given the holidays and weather, I was unable to gather the required documentation by the end of the year. I contacted Mr. ** via telephone and sought advice as to how to proceed next. Specifically, I faxed him on 1/5/09 and received no response. Thereafter, for the entire month of January, I left Mr. ** a message once a week. I inquired on the status of this and further seeking assistance as to how I should proceed, specifically on January 6th, January 13th, and January 19th. I never received a response to these calls. The next communication I received was correspondence from Chase dated 1/28/09. It indicated that my workout had been cancelled because I failed to respond to requests for documents/communication. At that time, I contacted Chase and advised them of the above situation. At that time, I was made aware that documents had purportedly been UPSd to me and I never returned them.

I explained that I never received anything from Chase, let alone a UPS package where a signature would be required. I was given a tracking number and advised to contact UPS. I contacted UPS and was told that the billing information relative to this tracking number was received. This meant a shipping label was generated, but UPS had no record of a package being picked up or even being requested to be picked up. UPS advised me to have Chase confirm with their shipping.

I called Chase back to relay this information. I was told to contact my analysts, Jeremy's supervisor, Ms. Lakesha **. I attempted to contact her on 2/9/09 but was unable to leave a voicemail as her mailbox was full. I thereafter attempted to contact her again on 2/12/09 and left a voicemail. This message was never returned. Finally, on 2/20/09, I was able to speak with Ms. **. She simply informed me that I would have to deal with Jeremy, and it was my understanding essentially to start the whole process over again, now arguably three (3) months later.

Again, in keeping on top of this, I then began my attempts to get in touch with Jeremy ** again. I attempted to call him on 3/3/09 and his mailbox was full, leaving me unable to leave a message. I called on 3/4/09 and again his mailbox was full and again, I was unable to leave a message. I called again on 3/5/09 and was able to leave Jeremy a message. Lo and behold, I received no response from him.

Since March of 2009, I have been approved and unapproved by Chase for the loan modification program at least three (3) times. Each and every time, I was not notified that I was unapproved or declined. I found out only through my own phone calls/follow up. Each and every time, I have been told it was because documents are missing. However, I never received a phone call or letter asking for documents. On the occasions I did receive a phone call, I expeditiously forwarded the requested documents. This has been going on for two years.

Specifically, on or about December 2009, I received my first loan modification packet. I signed and notarized. I returned in the envelope Chase provided in or about the first week of January 2010. At this time, I was dealing with a representative named Brian who called and requested documents. I faxed to him, thus receiving my first modification. I made my payment as required under my first modification on March 11, 2010 in the amount of $1,368.57.

In or about March 2010, I received a telephone call from a Chase representative asking me for documents. I inquired on this person as to why, as I have already been approved for a modification and made the first payment. At this time, the representative told me that they have no paperwork relative to this. Curiously, Chase has no paperwork regarding this but as they are aware, they provide a pre-paid FedEx envelope for return documents. I received no phone call or letter from Chase indicating that they had not received my application timely. I received no phone call or letter from Chase indicating that they required new or additional documents.

On March 4, 2010, I faxed a copy of the first modification to Chase. Thereafter in March 2010, I spoke to a new service representative, Steve **. He informed me that they needed to re-do the modification because of timeliness and looking at the numbers, the amount would likely go down. At no time did Steve request that I provide updated documents of any kind. I received no correspondence from Chase regarding this, only the telephone call with Steve.

In or about the third week of March, I received in quadruple the second modification agreement. Upon review of the second modification, the monthly amount went up instead of down. On March 21, 2010, I faxed directly to Steve a copy of the first modification and explained that I would prefer that one since the payment was lower. Shortly after this, Steve and I talked on the phone and he advised me that although the payment went up, the time of the loan went down. He did not request any further documents at this time. I then signed and notarized the second modification and sent it back again in Chase’s envelope on April 7, 2010. It is my understanding that it reached Chase on April 8, 2010 as I noted the tracking number this time for my records. I subsequently have made my second modified payments for May, June, and July, 2010.

Also, during this time, I received no less than four (4) door knockers at my house. Each time I received a door knocker, I called Chase. Each time, I was told it was fine, ignore it. Documents crossed in the mail with the door knocker. One time in particular I spoke with an Angelica. Also, during this time, I received no phone calls or correspondence from Chase indicating that I have been denied, cancelled, or that they require additional documentation. On Friday, July 9th, I received a Chase statement and it was still reflecting my old payment. Furthermore, they were asking me where I want my suspended funds placed (apparently the last three payments I have made).

I contacted Chase via telephone on this date. I was told for the first time on this date that my second modification was cancelled. I never received any documentation stating this. I also never received a phone call or any request for documentation prior to the cancellation of my second modification. I find it incredible that I can get documents in quadruple and no less than four (4) door knockers for what was already a completed modification. But at no time did I get a letter or a phone call indicating that my modification was cancelled or any reason as to why.

I left a message for Steve on 7/9/10 regarding this. On July 12, 2010, I faxed over to Steve an outline of the above and a signed and notarized copy of my second modification agreement, as he requested. At this time, he did not request any further documents from me. Thereafter, I spoke to Steve on approximately two occasions. Both times, he gave me an update. On 7/12/10, he advised me that my modification was being turned over to the escalation department and he would get back to me. Steve called me one more time after that. Based on this conversation, it was my understanding that my modification was being turned over to another department, to an individual by the name of Liya. At no time was I asked for additional/up to date documents.

On July 20, 2010, I called Chase to get an update. Specifically, I attempted to contact the Liya person at the number Steve gave me. I do not believe I made contact with her. I did speak to someone at that time, who told me my modification had been re-submitted and was waiting on approval. I was also advised not to make any payments and to call again early the following week. Again, I was not asked for any additional/up to date documents at this time.

On August 12th, I received a letter from Chase, dated 8/5/10, indicating that I was in default and they were going to accelerate my mortgage. Given the above and my longstanding communication with Chase regarding a modification, I contacted them again via telephone. At that time, I was informed that there was no foreclosure date and that the system generated the letter in error and to disregard the letter. I was additionally told that my documents were submitted on the 6th of August and I was just waiting approval. On August 14th, I received another letter from Chase, dated 8/5/10, essentially indicating that I was electing not to proceed with a modification because I failed to provide documentation, documentation mind you that has never been requested from me.

On 8/16/10, I called Chase yet again as clearly given all of the above; this is not only outrageous but wholly untrue. At this time, I was told my third modification was cancelled on August 7, 2010. And at this time, for the first time since July 2010, I was told that I needed updated documents. During this phone call, I spoke to a Jennifer. I attempted to outline the above for her. She refused to allow me to speak to a supervisor and insisted that all I needed to do was re-submit the following documentation: the RMA, the form 4506, and my recent pay stubs. I have had the summer flu since my telephone call with Jennifer.

Today, 8/18/10, is my first day back to my office. The first thing I did was print and fill out the RMA, form 4506, gather my recent pay stubs, and write my supplemental letter to attach to my RMA. I faxed 15 pages to Chase this afternoon. Thereafter, I contacted a Fannie Mae help line because I feel that my faxing and phone calls are not sufficient. And I need someone to assist me in getting contact and getting this modification complete with Chase once and for all.

I contacted Hope for Homes and my representative, Anthony **, in turn contacts Chase. It is during this phone call that I am made aware for the first time that I have not only been denied under Making Home Affordable Program, but I no longer qualify for it because of the denial. Jennifer, who I spoke to two days earlier, did not mention this. I tried to explain to the representative that all my denials have been due to Chase’s errors, not mine. I asked to speak to a supervisor and a woman by the name of Nell came on the line. Nell essentially repeated what the agent before her stated, knowing nothing about the history of the situation or the lack of information I have received from Chase. Nell, in reviewing my account, could not tell me when a request for documentation was made to me, either in writing or by phone. I explained this is because no request was ever made of me.

She informed me that my bank statements are two years old. I tried to explain to her this is because that is when I began this process. No one ever requested up to date bank statements. In yet another show of good faith on my part, I have enclosed copies of the last two (2) months of my personal banks statements (having previously forward the RMA, Form 4506, and pay stubs). Nell informed me that my modification was submitted on 7/20/10 and denied on 8/6/10 due to missing documents. However, my letter from Chase is dated 8/5/10 indicating I elected not to pursue the modification, which is in error. Furthermore, nowhere in this letter does it say I am banned from the Making Home Affordable Program.

Nell also informed me that she could not give me the name of my underwriter. According to her, this underwriter would have been the one to make the request for documents from me. She questioned me as to whether or not I have heard from my underwriter. I emphatically told her that I have not and did not. Nell then informed me that I have to appeal or request a reinstatement. I cannot fathom how I have to do this, when the error that got me to this point in the first place, namely the most recent denial, is not in any way attributable to me. In the past when documents have been quested, I have provided them. At no time were they requested from me - I would have provided them.

The only thing Nell could do for me is email my underwriter. With all due respect, having not heard a peep from this person during all this time, I am not confident that this will happen or make a lick of difference. Given the above, it should be abundantly clear that I am interested in keeping my home and from the efforts I had made, to get some assistance/answer/response from Chase. Chase has dropped the ball on numerous occasions as far as sending me required documentation. Thereafter, they never returned a single telephone call or wrote a single correspondence, or sent my duplicate correspondence. And they never told me additional documents were required and/or that prior modifications were cancelled. Unless and until I contacted Chase to follow up on this issue for two years now, I was never made aware of anything from Chase directly.

I was forced to file bankruptcy and my wages have been garnished for the next 5 years to pay for these taxes. Chase just now decided to pay the taxes without the County Tax department, or my request of $5100. They are now requesting that I set up a payment plan to repay them for the taxes. Obviously, they do not understand what active bankruptcy is nor do they care that the taxes were being paid monthly through the state bankruptcy court from my garnishment. I have no intentions nor can I afford to pay triple for these taxes. So in a nut shell WaMu approved loans that should not have been approved and nailed me for it and Chase is trying to push the last nail in my coffin and foreclose on my house because I now owe them $5100.00. I personally do not see how any of this was allowed to happen.

I have asked to speak with several supervisors for which I stay on hold every time, I call for no less than 30 minutes and each supervisor tells me they will call me back and I have asked for every person's supervisor that I talk to and everyone keeps putting me off.

I only have two questions: 1) How will the employee that did this be reprimanded and 2) Who will replace this money in my escrow as I cannot afford an increase in my payment nor should I pay for someone else's mistake. I want results promptly and if I am forced to retain a lawyer, I will take this matter as far as I must.

There should be no increase in how much they are charging us. This is fraud to me! Flat out, plain and simple because this is called an estimate, which someone at Chase would have had to calculate. I tried calling the Chase Customer Service Number, and found that there is no option to speak to a real person for a difficult situation like this one. I tried "0" and found that there is a message but no one is there anyways.

If our payment wasn't made in June as they say, why they didn’t notify us. I went to the bank to ask for an explanation. He said there was never any papers signed to say that the automatic payments needed to be made and he promptly had me sign them ‘with the headquarters.’ Now, here is actually one of the catches, I had gone to the bank in person every month since February 2010 to make sure my automatic mortgage payment has been made. They always said, "Yes, your auto mortgage payment of $925.00 has been made. You have nothing to worry about. “Now, no one at the bank will be accountable. They are all dumb.”

Today, I called the loan officer by phone and he became belligerent and insisted we owed them $1,900.00. He said that if our statements show the payments were made, we are okay. To my surprise, some of the payments were made and others were not. Is this normal practice with Chase? Why didn't someone at Chase tell us about this new policy? If indeed, this is their policy, don't they have the responsibility to tell their customers "Oh, in three months you will have missed two payments unless you sign papers”. Where is their accountability? We are just sliding by, if you know what I mean. We can make one month’s payment but not two. They will not work with us but just keep insisting we need to make two payments this month. Where is their sense of fair play? We may end up losing our house in the end. David is probably a foreigner? At least, I had a great deal of difficulty understanding him. This is no excuse. Thanks.

After I faxed the papers in, I called to talk to my account rep, and after calling about 15 times, I found out she is no longer my account rep. I talked to another girl who went through my fax, and told me that my bank statements had to be in order. I told her that I had to turn the pages over, and fax them. She told me that underwriting would probably not accept that. Then I made a calculation error on my expense page, and had to cross it out, and rewrite. She told me they probably wouldn't accept that either. I said well, I will white it out. She told me that wasn't good either. I had to fill out a new form.

I think they are being, way too picky about things. I have a one year old, and I don't have time to keep doing things, over and over again. I told her at this point, I'm tired of dealing with people on the phone, who are incompetent, having to call Chase to get any information about my loan, and being lied to about my modification, time and time again. If I didn't call them, I wouldn't know anything about what they supposedly need again. It's to the point where I'm going to put the house up for sale, and if it doesn't sell, then they can have it back. If they try to get the money out of me, good luck. I'm unemployed. I've tried to do the right thing, and it has gotten me nowhere, with them. I can't mentally play this game with them anymore.

In October, I decided to send a check to see if it would make a difference. On the 12th of October, I noticed the check had not come through my account, so I started calling Chase to see if my check had gotten to them. I called every other day all the way up to the end of the month. Finally, I got a person from Chase who told me to stop payment on the check and call in a payment. On the 2nd of November, I went to my bank (SunTrust) and stopped payment on the check. The lady at the bank did a payment for me by wire.

On November 30th, I made a payment by phone for the November payment. In the second week of December, the check that was missing that I stopped payment on was found and Chase tried to cash it. I tried calling several times to correct all this. Chase claims the payment I made from my bank on November 2nd was never made. I went to an attorney. I got him to write a letter requesting a payment history and a way to make payment where they can be applied to my loan. I did not hear from them for 4 weeks. I had my attorney to write another letter to them asking Chase again for the same info. I finally got a payment history from them, but not any info on where to make payments to them where it will be applied to my loan.

I went December and January not making a payment because I could not get Chase to give the info I needed to make payments. I went to SunTrust and had them do a trace on the payment that was made at the beginning of November. And they gave me a tracking number and a letter showing the payment did go to Chase. I tried several more times to contact Chase and find out about the payment from November 2nd and to see what to do about making a payment.

On April 3rd, I received in the mail a letter from an attorney firm in Birmingham. It stated that my house was going into foreclose. I called my attorney and let him know. He called their attorney and sent them the paperwork and all the info about what was going on with my loan. Their attorney stopped foreclosure and sent all the paperwork back to Chase for them to look into the loan. I called Chase on April 5th. I was transferred to 5 different people before a lady in foreclosure department talked to me about the loan. She told me it was going to cost me my house payments plus fees, which she could not tell me at that time. She told me she could get back to me in 24 to 48 hours at the latest and let me know what I would have to pay. I never heard anything from her or any else from Chase. I sent Chase a check for $3405.00 and sent it certified mail. It was returned to me 3 weeks later with a letter saying it had to be certified funds. I went and got a certified check from SunTrust and sent it back to them by certified mail on the first of June.

On the 9th of June, I called my attorney and told him about the certified check, that it was returned saying that it was not enough money. The attorney told me he had just received a letter from their attorneys saying they were foreclosing on the 16th of July. I am now sending their attorney fund for house payments and their fees to stop foreclosing. I still have not had anyone from Chase to call or write me and try to find out where the payment in November 2nd went to. Chase would rather foreclose on me than to clear up the problem.

I have currently paid the loan out of foreclosure and had to pay Chase's attorney's fees. My mortgage is current and Chase had me to pay the payment again that was missing. I have had SunTrust do a second look into the payment and they again came back and said that Chase did receive the payment. I still have not heard anything from Chase. I have $682.00 floating out there and one bank says the other received it and the other says they never got it. I need help and don't know who to turn to; I have suffered a lot over this whole ordeal and can't seem to get help. My house was put in foreclosure and my health has suffered and my wife’s. I am also out of $682.00 and another $4,000 I was charged to get my house out of foreclosure.

Needless to say, when I called that office to check on it, no one knew who this person was and I was transferred to the collections department. They insisted I was several months behind on my mortgage, but I know for a fact that I am not because this is my home, after all, and I pay everything on time, even while being given nothing but grief by Chase.

Then, they started saying they couldn't just update the system & that I would have to reapply for another modification & I was to check once a week for the status. When I would call, they were supposedly missing forms (which had been sent), they "misplaced" documents (while documents before & after in the fax were received). Then they informed me that due to my not cooperating in supplying the requested documents (absolutely not true!) my modification request had expired & I would have to start the process from square one. This happened 3 times since being originally approved in 2008. Every time I would call for status, each Customer Service Representative would give me a completely different scenario. One time, they were "very close to making a decision" and the next week I was told "the paperwork hasn't been looked at by the underwriters" "could be close to 90 days because we are so backlogged". I finally felt some sense of hope in acquiring an actual account representative and his direct phone number & thought this nightmare was close to being over. He, too, told me that the underwriters were close do making a decision & to keep checking with him.

One week when I called to check on status, I reached a different department & when I asked to speak to Mr. J, the person on the other end of the phone told me that his department had been closed and merged with the Collections Department. A lot of sense that made, considering how many representatives made it known that they were flooded with modification requests. Why would you close a department if that were the case? Shouldn't they be expanding to expedite the floods of requests? After filing a complaint with the BBB, a very understanding lady was assigned my account and assured me I would have no problem getting approved.

After numerous calls and re-sending documents (some things never change), I was greeted with a package from Chase when I arrived home from work. I could barely contain my excitement as I opened the package, only to see that my "affordable monthly payment" would be $300 more than I was originally approved for. Regretfully, after almost 3 years of trying to get this issue resolved, I had nothing else to do but collapse on the floor and sob. When I called to discuss this "affordable" amount and to make it known that there was no possible way to cut back any further to send $300/month more. After over an hour on the phone and speaking with several departments, all I received was "I'm sorry" and "Have you considered selling your home?".

I was not asking for anything more than the rate to be updated in the system. I have been submitting the approved amount, as numerous representatives told me to do. When instructed to do so, I inquired about the collection calls & letters threatening foreclosure action if I didn't submit the supposed "overdue" amount, they said to just ignore the calls and tear up the "computer generated" letters. To date, Chase Home Finance claims I owe them over $4000 in past due payments, but I have submitted payments as instructed and for the approved amount with a copy of the modification document, areas highlighted to point out the rate and amount that I was assured would be taken care of.

I have contacted numerous reps at their location who say that the terms are the terms and that is what I have to pay. I now, am past due about 10 mortgage payments because of the lack of knowledge and urgency on the part of JPMorgan Chase, and I am at risk of foreclosure even though I made all 11 trial modification payments the 1st of every month on time. I will not sign paperwork which states they want more money than the house is worth, it should read that is I sell my house in 1 year. I would have to pay accrued interest up until that time, not the whole $126,000.00 as it now states.

Over the course of the past 6 months, I was bombarded with call after call from different reps from different departments, but all from Chase. Conveniently, they did not have the ability to communicate with each other and "did not realize that I was being contacted so many times about the same issue". Each one had different advice and told me to do something different. Lengthy phone calls, forcing me to repeat my financial status over and over. Forcing me to apply for payment relief programs that I did not qualify for. I repeatedly told them I made slightly too much money for the relief and did not purchase my home long enough ago but..."as part of the process" different reps forced me to go through it again and again. All the while they kept charging me late fees while they were "helping me" to bring the account up to date.

I made several large payments and many smaller payments over the course of the next 6 months. I very specifically instructed them to apply all the funds that I sent to be applied to my total monthly payment, not principal. They did not do this correctly and now are trying to force me to pay fees, claiming that they did not receive payments on time. They did receive payments but did not apply them as instructed and have made it appear as if I was not paying my bill on time in order to extort fees that I should not owe. They have complicated a very simple matter and are bombarding me with numbers that do not correlate with my records but because they hold the note, claim I have no choice but to pay.

At this time, Chase is trying to charge me late fees, in excess of $400 and keep charging me late fees as I try to straighten this mess out with them and get a real and accurate accounting of how much is due. They have convoluted the account so much and have modified payments that it is near impossible to tell how much is actually due. According to my records, the monthly payments are up to date and slightly ahead at this time. Chase is attempting to force me into paying more than is due.

In their effort to help me, Chase has ruined me. How can I get Chase to change the wording in my credit report? I am paying my mortgage payments on time and in the full amount they ask. Why is this stopping me from getting my refinance? I really feel that it is up to Chase to fix this, so that I can be allowed to at least get a refinance on this mortgage.

I informed Chase that I wanted a Deed in Lieu of Foreclosure. First, they said I should lower the price of my condo, which I've done. Now they insist I complete paperwork for a "short sale" even though I do not have an offer. I did this prior to my move to NY and was informed by Chase representative that without an offer they couldn't accept the papers for a short sale and closed my case. I continually get correspondence in NY about my account and how Chase wants to help. Each time I call, I get their call center and the same run around. No one there knows anything except what is written in their standard script. The mortgage department keeps itself well insulated from their customers.

At one point, it was suggested that I contact one of their credit counselors. My call was forwarded and after speaking with a counselor, she said there was nothing they could do for me as my income was at least $500/month short of what I needed. That's not a surprise to me. As recently as August 5th, I called again in response to another letter from Chase and received the same stock answer to complete paperwork for a short sale even though I don't have an offer. I know that my credit will suffer, but at 65 years of age, I'm not going to purchase another home or car - I can't afford either.

They are quite a nuisance between their telephone calls and mailings. I really would like to just do a deed in lieu of foreclose and save us both the hassle of a foreclosure. Do I have any way of just getting them to do a Deed in Lieu of Foreclose and get this nightmare over with?

Ultimately, Chase placed us in a "trial modification" for 3 months on each loan and we completed successfully. However, Chase again "lost" the paperwork and we had to reapply. We started the process in March 2009 and finally had our permanent modification in March of 2010 on the large balance and April for the short payoff. Eighteen days after permanent modification, the second mortgage balance (short payoff), Chase referred it to charge off. During all this, Chase denied the trial payments.

When we presented our receipts at the local branch, they acknowledged their error. Chase offered to remove $1000 in fees if we agreed to leave it in a charge off status, we declined. They now want to modify our modification(s). We contacted the OCC, FTC and office of investigation, Attorney General’s office. Through this we recorded calls from Chase’s executive office, but once they realized the mess, it would get referred to someone else. Chase has done everything possible for us to default, including blocking access to payments online, branch and Western Union. What do you think thus far? Out there is it not?

That following year, we received a tax statement showing that from the $12548.44 we paid to Chase, we were only given credit for paying $6450.08 in interest, which we know is incorrect and they are unwilling to correct the amount. Please help us. We are only asking for Chase to give us the proper credit for interest paid for the 2007 tax year. We were not given proper credit for the interest on our mortgage of our home, affected our tax return for 2007.

It is certainly concerning that several thousand dollars of my hard-earned money has been given to Chase and that I was told from their representative "We have no record of this". I continue to be called by collections department with threats of my credit being affected. These calls from Chase have caused me to spend a lot of energy, stress, time and concern as the person on the other end of the line from Chase who I speak to continues to threaten that this will affect my credit. I have been a good customer with Chase and always pay my mortgage on time. If this was an error on my part, I would fix it immediately. But it appears from both the records of my bank and my own records that I have paid my mortgage in full. I don't know what to do or call now and I am very frustrated with Chase on how they are handling this situation. They just assumed that the issue is mine.

I was able to contact some one at Chase that handles taxes and she forwarded my information on to the collections dept. I even provided the the other gentleman's information like his phone number which I found in the phone book and the addresses of the three properties he owns. This was last week and I have not heard from the collections dept at all to say they have made a mistake and they are sorry for all the calls. I want the harassment to stop.

They continue to harass me by phone or mail. I had to file bankruptcy as part of the recession and a nasty divorce. I have learned from my past and am trying to rebuild, but am daily haunted by Chase finance. I have had to go on antidepressant medication and am on the verge of a nervous breakdown. Is there any way to get the harassment to stop? I have already paid for filing bankruptcy by the shame and quilt that accompany it. Why do I have to continue being embarrassed by my past actions?

After several phone calls, many times per day and several faxes, we were able to get the sale postponed. At that time they acknowledged they had received our paperwork from July 2009 but had not done anything with it. On November 30, 2009 we sent in our modification paperwork for the second time. On January 6, 2010 we received package from Chase with a Special Forebearance Agreement for us to sign and return. It stated that our payments for February, March & April would be $0. We called Chase to verify this because we thought it might be a mistake. They said no, it was correct and we would hear from Chase sometime in April with formal modification documents.

On May 15, 2010, we received a modification package to sign and return to Chase. We sent it back via FedEx the next day. We then received 2 more packages over the next few weeks, with the same information in it. We called Chase each time, and were told they had received our original paperwork back. We received calls constantly requesting the documents back, one lady told us she was calling from Costa Rica, one said she was calling from the Philippines. Each time we received the calls, we called Chase and were told the documents were there. Our new payments of $980 were supposed to start on July 1, 2010.

We set up direct withdrawal from our bank account to come out on July 5, 2010. When we checked the bank account on July 6, 2010, it had not come out yet. My husband went to the local Chase Bank branch and they called the loan center and they said that they hadn't received the paperwork and was proceeding with foreclosure. They told him we would have to start the entire process over again. He then went to the loan branch in Riverside and they called the loan center and worked out with them to send a new package to sign and they were told it would be to our house within one week.

When we didn't get the package, my husband went to the Riverside center to talk to them about it, they were being helpful but there was only so much they can do. Today we received a Notice of Trustee's Sale posted on the door of our house for a sale date of August 9, 2010. We have had so many people walking around the property, knocking on the door wanting to get in to see the house. They are very rude and persistent.

My husband has very few good days, his cancer has spread to 80% of his bones and this is very traumatic for him. We have lived in our house for 22 years and until the past two years, we have been current on our mortgage. We even had been paying extra principal payments each month. I am extremely worried for my husband's health, he is deteriorating each day and this stress is unnecessary. On March 4, 2010 we sent it the third time per their request.

Because of all of this, we fell behind on some of our house payments through chase bank. We were told in March of '10 that we were approved for a loan modification program that would lower our home loans because of a better financing rate and basically any back payments would be added to the end of the loan. Sounds like a fair deal right?

Well, the chase rep told us to absolutely not make April's payment and make our first payment of the modification program in may of '10. So we did. We sent the first payment which was the lower amount which we were told was because of the approved interest rate. When we paid the bill through our online banking system just like we always do. We found out that 2 days later the payment was returned to my online banking institution because they cannot accept my payments any longer through online banking because I'm part of a different account due to the loan modification program. Okay. No big deal. 'How can I pay?" I asked.

They then told me a week after the due date for the loan that as it turns out we were not approved for the loan modification program because our paperwork wasn't filled out correctly? So, how come if I've been denied for the loan modification program, they wouldn't accept my payment? No response was given for that question.

Every time we call, every time, it's always a different answer and we can never ever talk to the same person more than once because they don't have voice mails and they state they cannot connect you with anyone other than who answers the phone. So we once again begin the process to fill out the forms for the modification program and once again, we are told all we need to do is sign 3 lines on the forms that they say were never signed previously (because those original papers were never sent to us.

We have the faxes we sent them to prove it and it would be taken care of and just so we know we are pre-approved for the program so we absolutely do not need to send in June's payment because it would be covered under the new loan. Okay.

Too good to be true you ask? Yep. Come to find out that we once again need to sign more papers that were not previously delivered to us and now because of the lack of payments and the late fees and interest on those fees we now owe more on our house than we previously financed it for 2 and a half years ago. Coincidentally right before the market crashed and we lost all established equity in the home. So now as it stands my wife is 6 months pregnant with her first child, my 2nd. My daughter lives with us because I have custody of her and we are being told that we are going to be foreclosed on because of our lack of commitment to pay our mortgage?

I just don't understand why in the world this bank would want to kick people out that absolutely want to do the right thing and work with them on taking care of the debt and foreclose on a house that's worth around 35% less of the original loan. Why? We would end up claiming bankruptcy and the bank would be stuck with a house that they either can't sell or have to take a substantial loss in. We are getting to the point where there's just no hope in sight and all we can do is try to give them money each month in hopes that they will wait on foreclosure. We feel lost and hear of loans that we should qualify for yet are told we can't.

Keep in mind our total take home each month is only around 3500 dollars. We can still pay for our house now due to restructuring our budget but we feel that the bank will absolutely not work with us and just sends us through a maze of confusing tail chases while they sit and laugh. How can they get away with this? Why after all the complaints against them has somebody not intervened and said 'hey! Something is wrong here! ' Its criminal. If we played the same game with our taxes that we pay each month to our government, we'd be placed in jail.

We started another modification with payments beginning in May 2010. In July, we received a letter that our modification was denied because we weren't occupying the property and that it was noted by our underwriter, whom we've never spoken to that we weren't living in our home, a total lie. I was by told by a representative, Chris, that we should make the July payment and that their error would be corrected. On 9 July 2010, I spoke with Beverly, who confirmed that the proof of residency information had been received and that we should make our July payment. She told me that she was forwarding our information to a relations manager. The July payment was made on 10 July 2010 (due on 11 July 2010).

Today, I called to inquire about the August payment and was told by Angela that our July payment was never received (I faxed in confirmation of payment on 12 July 2010 for their review just to make sure that Chase knew that payment was made via Western Union on 10 July 2010). I asked to speak with a supervisor and was placed on hold for exactly 20 minutes. Sonya picks up the call to inform me that she wasn't a supervisor, but that the call was placed back in rotation for another representative. She informed me that she was going to email our relations manager, Joel, and request that he contact us, and that though she was emailing him, there is no guarantee that he'll call. How reassuring. When I arrived home today, I received a letter from Western Union that our July payment was denied. I'm still on hold with Chase (38 minutes now) to find out why our payment was declined.

This is a scam to keep ripping home owners off. All I'm seeing is that Chase lacks integrity and if they aren't going to help, be truthful and stop stringing home owners along for a let down. I have every conversation and fax confirmation that has been sent to Chase beginning April 2009 to present. Please help. We may lose our home.

I thought the modification was to help us so we would not get delinquent! I tried to do the best I could and eventually I got 4 months behind on my mortgage. I called Chase and they told me I had to submit all the paperwork which I did. I submitted this once and was denied because I owed too much debt. I had to resubmit the paperwork and then I was told they did not receive all the paperwork. The phone calls back and forth went on for almost 6months when I had to resubmit and fax paperwork. I was finally told that if I made three payments and was not delinquent I could qualify for modification.

I agreed and struggled to come up with the money by not paying for my gas and light and water. I was to have my new documentation by August 1 and my new mortgage payments would be reduced by $200, while not a lot, they were going to roll my 4 months past due into my loan. I was told by a representative (I will withhold name) that I was approved and I needed to save my money for June and July and my first payment would be in August.

I have since then not received any calls or any paperwork reflecting my new loan amount. Today, however, I received a letter stating I need to pay 6 months past due by 7/31 or my house will be foreclosed! I called the 800 number and was told I was denied because my unemployment benefits were cut off! When did they decide to deny me and why was I not told? I tried to call the representative who had agreed on the new loan, but her voicemail is not receiving messages! What do I do now? No one at Chase can help me because my unemployment was cut off. I have two kids and according to them, on 7/31, they are gonna foreclose on my home.

I am unable to hold my head above water, I am behind on all my utilities and the stress is taking its toll as I see that I am losing my hair and I am so depressed I do not know what’s the worse that can happen to me. I keep this all to myself to not scare my children, but one day they will see all our stuff on the front lawn and there is nothing anyone can do for us.

That's not a loan modification! I asked for help before I was ever late to no avail. I have an 8 year old, the house is falling a part. I just had 6 water leaks (for 2 months) fixed today before my floors fell in which shorts me my whole payment this month. It's so unfair to everyone out there to be treated this way and to have to worry about their homes, stability and mostly sanity over this.

The Obama help make your home affordable plan is a joke, and as you can see from the numerous posts on here, Chase does not care. Evidently, no one else does either, why else would they be "allowed" to continue to ruin peoples lives? That's exactly what they do when they run you around in circles and are not honest and forthright. Very sad! Some one needs to make Chase accountable. Too many people (me next probably) have already lost their homes over their greed.

Again, I called Chase several times before my January 2010 lower back surgery asking for help. I needed lumbar surgery and would be off for a while. I also have a kidney that is not functioning, liver issues, need sinus surgery, and blood problems. I was seeing many different doctors and having to take many medications. I had to stop seeing most of my doctors and not get all my medications because I could not afford them.

I called Chase many times (always getting a different story from who I spoke to), asking for help. They could not help unless I was in default. I went into default, all the time still calling and asking for help, just to get a notice in the mail that I was being foreclosed on. I called, and called again to which, I was eventually put on a forbearance plan. This was at a rate that was even higher than my mortgage payment. I paid 1409.00 each month for 6 months (I borrowed from my family, didn't have food for my 8 year old or I could not see my doctors or purchase my medications.)

I called them and told them I had water pipes busting under the house that were leaking. I could not afford to get them fixed. I thought they might at least waive one payment so I could save the floors from falling in. I explained that I bought this double wide and just recently found out it did not have it's on well on the property. It is shared with the neighbor. It was also not on a permanent foundation. My car is falling apart. The pipes are busting, shingles flying off, hot water heater went bad, AC unit has broken several times. My electricity runs $400 in the summer and $800 in the winter. It uses emergency back up heat because it never had a heating system. I never knew any of this. It was my first home purchase and I thought that is why you were charged an inspection fee.

I am now paying almost 200k for a fabricated home, falling apart, without a well, etc. I think that was unfair, and to me illegal to sell me a home with all these problems that I was never made aware of. The loan was sold a couple of times. I refinanced once to try and get a lower payment. It actually went up because I was told I was not and had not been paying enough in Escrow. I lived on my credit cards for a while which are now maxed, and now am having to pay those. I kept receiving help letters (have most of them) saying they would help me if I was struggling. Not only did they not help, their so called help actually cost me more. I am under great financial stress and only want to keep this property because it was bought from my brother and the land has been in the family for many years.

The house next to me sold for 130k, and I am paying almost 200k for a double wide. I got an offer in the mail a couple of weeks ago from Chase. They considered this help, I suppose. My new payment would be $1290.00 month at 5% interest. My original payment was $1384.00 per month at 6% interest. Yea, they consider that help to me. I can't believe they even wasted the paper to send that out to me. Anyway, I am sick, a single mother of an 8 year old who can't even afford to buy him underwear (or a hamster, what he really wants) because of trying to hold onto this piece of junk.

Chase has done nothing but run me around and around in circles. Again, I called them several times asking for help before I was ever late on a payment and got the run around. Now that I am trying to save the place, all I have gotten is a run around. I know they base the payment at like 31% of your gross, which is unfair. They take $600 of that for medical insurance, medicare, loans etc. I could probably swing $750 per month, and that's going high just so I can see my doctors and not die anytime soon. My best bet would be to let it go into foreclosure and just go rent somewhere. But, I feel I worked hard all my life paying all of my bills, and being a good citizen. When it came time for someone to help me, they all turned their backs on me. So unfair! I don't see why Chase won't help me. They would get more money from me than from a foreclosure. Please help me. I only have $750 for this month's payment. I had to get the pipes fixed (just did today after 2 months)

He also was rude. He said that he was listening to the conversation and that if I didn't change my attitude, he wasn't going to help me. He asked me what were my intentions as far as my auto was concerned and I said that we were not in bankruptcy any longer and I was trying to get information on the vehicle like how much we owed, how much was paid, etc. He proceeded to tell me that he knew that because there was a problem--the Trustee had filed a motion to dismiss. I told him we wanted it that way. I didn't think it was his business to know why we had decided that we no longer wanted to be in bankruptcy. He then proceeded to tell me that while we were in bankruptcy, the interest was accumulating and we owed almost $10,000.00 and that he wanted it right away.

I said no and that we would make payments but he said no. Then, he proceeded to ask what were my intentions and I said that we wanted to pay for the car. He said that he would not take payments and that he could make arrangements, but that I had to change my attitude. He then stated that they were going to pursue the loan and I said, "Okay, well, if you won't work with us, he could pick the vehicle up and he said that they didn't want it!

Again, he asked what were my intentions and again, I said that we wanted to pay the car and he said they would not take payments. Because he spoke to me as if I were a low-life, I decided that I didn't want to continue speaking to this guy. I informed him that we would make payments and he said no. So we are at a stand-still. He wants his money, but he won't take payments and he doesn't want the vehicle. It's really a shame that someone of that caliber holds people's lives in his hands and is too immature to make sound decisions.

A few months ago, I was advised by Underwriter, Heather W. that I did not qualify for the program because my income ratio did not meet the requirements. She said the program looks at gross income versus net income and because of that, I did not qualify for the program. Ms. W. did advise me that I would most likely qualify for an "in-house" modification called "CHAMP". She actually told me to continue making the modified payment amount, at which time I told her I was going start making my regular payment of $1,282.00 again, even though she and other customer service representatives had advised me to continue with the modified amount.

Not once during this entire time did anyone at chase inform me of the income ratio requirement. All of the financial statement documents Chase sent to me to complete stated net income. My obvious question was, "Why wasn't I advised of this requirement up front?” No one at Chase could answer that. If this had been determined initially, I would not be in the situation I'm in at this time.

When I applied for assistance, as stated above, my account was only one payment past due, and although I didn't miss any payments during this time, I am now three payments past due (plus thousands of dollars in late fees) simply because I followed the directions given to me by Chase. How is this fair to me, the customer, and the person Chase was supposedly going to help? Not only did Chase not help me, Chase has caused me to become even more delinquent and made my credit even worse. After speaking with Ms. W., I was unable to get a straight answer out of anyone at Chase regarding the status of the in-house (CHAMP) loan modification for the next 3 months.

When I did talk with someone who was willing to check the status of the in-house mod, I was told that Justine S. was now the underwriter assigned to my account, but that it looked like the Champ Mod was declined too because of the financial info. I then tried to contact Ms. S. close to 50 times with no success regarding the change in my financial statement information. I faxed and mailed updated financial information and left many more messages with her as well as her supervisor, Paula S., but neither had the courtesy to return my calls. I've talked with many different customer service people regarding this matter; however they were absolutely of no help, in fact some were nothing short of rude. They made it clear that they are dealing with thousands of requests, however, that does not help my situation, I am just as deserving of their assistance as the next customer.

Earlier this month, I learned that the Champ modification was also definitely declined, but the man in customer service sent out another modification package for me to complete (this is at least the 6th one I've completed for them). I agree with the complaints from other people on this site, Chase is just putting me off; they have no intention of actually helping me, even though they certainly caused this mess. When I applied for assistance, I was "pre-approved" for the Making Homes Affordable Program.

At that time, my account was only one payment past due, and although I haven't missed any payments, I am now three payments past due (plus thousands of dollars in late fees) simply because I followed the directions given to me by Chase. Chase has made no attempt to assist me in resolving the issue. If they had been forthcoming with the MHAP parameters to begin with, I would not be 3 payments past due at this time. I would appreciate any advice in correcting the situation.

In early May, I received a letter from Chase attorneys stating they had sued us! I guess they decided I was the executrix. The balance on the HELOC was approximately $40,500. I sold my uncle's house, and at closing on May 17, 2010, the title company discovered Chase had never recorded the lien against the house! So the payoff was delayed. Chase was paid on May 20, 2010 and they kept $2800 from the proceeds for attorney’s fees! Finally in June, I spoke to someone in their executive office, who said it would be investigated. Yesterday I heard from Chase that they will not refund the $2800.

Chase has a website devoted to helping their customers with foreclosure, but they never offered that help to me for my deceased uncle's estate. They would not speak to me! This is how they treat their customers who die! This is appalling to say the least! On behalf of my deceased uncle who had very little, I want this $2800 returned to us! This is pocket change to Chase. This must be resolved for my precious uncle and all others who may be treated this way by Chase Home Finance!

I also could not access the recurring mortgage payments but assumed that this had been disabled along with the rest of the account. I requested information about the final payoff transaction through the customer messaging system and was sent the information about our escrow refund and got the transaction information through snail mail.

On 7/9/2010, another recurring mortgage payment was deducted from our checking account, despite the fact that the mortgage was closed, resulting in an overdraft taking several hundred dollars out of a savings account. Fortunately, this did not prevent any payments from being made on time but we were not planning on being short by that amount this month and had other plans for that money. Also, we have often enough been in a position where we would not have had a sufficient savings buffer to sustain this loss. I had checked our accounts on the morning of the 9th, before the deduction, and did not check again until the 11th when I discovered what had happened.

I immediately called Chase to tell them what had happened and to make sure the recurring payments were cancelled going forward. Again, because they disabled access to the mortgage account and the recurring payments that went with it, there was no way for me to see or manage this myself. Chase customer service very politely told me that when the overpayment was detected, they would refund the money via paper check within 21 days. I said this was unacceptable and asked why they could not simply refund the money using our credit union's transit/ABA number the same way they use it to deduct funds.

I was then transferred to the bill payments unit, who cancelled the recurring payment for me over the phone but then said that they could not do anything about a refund and that the mortgage unit would have to initiate it and suggested that I ask for a supervisor in the unit. I then called the mortgage unit back and asked for a supervisor with the goal of getting the refund expedited. After long periods of being put on hold and never actually talking to a supervisor, I was told that if I faxed copies of my bank statement proving that the money had been deducted from our checking to a "supervisor's" fax number, they would try to speed things up and cut us paper check within 5 to 7 days instead of 21.

When I pointed out that for one, their own bill payment unit could verify that the funds were deducted and two, that our credit union statement reflecting this deduction wouldn't be generated until August 1, I then asked that if they would accept a snapshot of my online account management. After another long hold, they told me that they would make an exception and allow that. I then asked if I could not just upload the snapshot through the Chase messaging service, which is secure (more so than fax), and they said they would only accept the information by fax.

At this point, I called the billing department back and asked them if they couldn't just fax a verification that the funds had been deleted over to the "supervisor" whose fax number I'd been given, since obviously, that should serve as the best possible verification that I wasn't simply making up this deduction of $1,100.00 from our account. After another long hold, the bill payment agent said they had spoken with the mortgage unit and reiterated that they would only accept a faxed copy of my bank records. I got the impression that I was supposed to be grateful that they were making an exception and letting me send the online snapshot instead of waiting until August 1 to fax them the final statement.

The next day, I faxed the requested documents with a request on the cover sheet that I be contacted with confirmation that the information was received and that it would suffice to get the "expedited" refund rolling. By that evening, I had received no such confirmation and uploaded a message with copies of the faxed pages to the Chase messaging center asking for confirmation that the documents had been received and were sufficient. I received no response. Finally, I called Chase and after a long session of being on hold, I was told that they had received my fax. We are now waiting for this refund check.

I was put on a modification payment plan which I made my payments just fine and on time. One lady whom I talked to wanted my divorce papers again and said that I was not approved because I never sent the papers in. Well, I already had since months ago. I told her to talk to the lady in Texas because she had just told me that everything was fine. She said that she was a Chase Bank representative and I said that so was the lady in Texas. I gave her that lady’s number to call. I last talked with them about a month ago. I was supposed to be called in every 2 weeks. I was told that they were working on my escrow which would take a couple of weeks. I don't have escrow. I pay my own taxes and insurance. Anyway, I gave up since I haven't talked to them since. I've kept all the paper work since them including at one point, they sent me papers to assume that I already have the loan.

I understand that there are lots of people trying to do the same thing, but on the other hand, I don't feel like your employees are on the same page. You are told one thing and then it's something else. Just last week, July 6th, I spoke to someone in the MNS department and he told me that everything was there and that he was putting a request for someone to start reviewing our files right away. I even faxed my July's pay stubs just to stay current on July 13th. Today, July 14th, I received a letter that I was missing the federal tax returns and the 4560-EZ Short Form Request. This is not true, I have mailed and faxed this same paperwork twice already. It is very frustrating when you are trying to do what you're told and you are not getting anywhere. I would like for something to be done as soon as possible. Thank you for your help.

So Chase, who's supposed to be experts in processing of home loan, never read the document of the appraisal and never knew that because at the beginning they have to now what they needed to approve the loan. Now, nobody wants to give my money back. I lost my lease in my old apartment. I lost more than $2,000 in the process and I have to move to another apartment.

Please help me get them to fix my credit reports. I need to get away from this company. I was trying to refinance my home to make things more affordable and found that they did this, which keeps me from getting a new loan. They are ruining my credit by reporting this rolling 30 days late and going from a fine to 60 days and no 30 in between, even with having my money in an account with them. Thank you.

This made my payment higher and my auto payment short every month. Therefore Chase is saying I'm late every month. After months of calls and numerous faxes, the billing is fixed to the correct amount/payment. However, it is still reported on my credit report 10 months later and my score has gone from 780 to 620. I have called every department at Chase for 10 months regarding fixing this. I disputed this with the credit reporting agencies and Chase told them their reporting was correct!

Yesterday, I find there is some kind of note on my mortgage file about I've been in to speak with Chase about short selling my property. I have never had a desire to sell this property nor have I ever discussed this with Chase. I need an attorney, I will pursue a lawsuit for damages. Ive been damaged and Chase should pay for this incredible complete lack of concern for my credit, my health and my financial health. They have been made aware of this problem time after time after time and they just do not care about the damage this has caused to me.

My Amex was closed after 10 years, due to the incorrect reporting to the credit report. My home equity line was closed due to the credit report. My access to cash was closed via the credit line. My recent car purchase cost me almost 8% due to the credit report instead of 0%. I had a 780 score and now I'm at 620. I cant even refinance this loan and move from Chase because of this nightmare. How can you pay your bills responsibly and end up in this?

We proceeded with the paperwork as requested and went back and forth many times sending all types of additional information that they requested, like insurance policies for both homes and copies of tax bills, etc. Most of this info they should already have since they pay our taxes and insurance through our escrow account. Finally after around 48 days, I received a call from Teresa stating that the underwriters would only approve a 30-year mortgage with us paying two (2) points. The more I thought about this during the day the more upset I got.

We had applied for a 15-year fixed mortgage with no points at 4.375%. When I first spoke with Michael he gave me an estimate of what my monthly payment would be and my husband and I had no problem with that amount. Since our plan was to pay off our existing mortgage (with Chase) and another home equity loan and line of credit, the new amount would be less than what we are paying right now. My letter of explanation stated all of the above.

We have been married for 40 years in April. We both have fixed pensions so we will not be laid off. I also receive social security benefits and have a part-time job. My husband will also be receiving social security in about 4 months. So, we really don't understand this debt to income ratio issue. We feel that this has been a total come on by Chase. We receive offers daily from many mortgage companies. This is very insulting and frustrating. This has taken up so much of our time. We both have excellent credit ratings and have been paying our present mortgage to Chase for 7 years. Our home has gone up in value and we have a lot of equity in it. Why in the world would we want to get a 30-year mortgage when we only have 22 years left on our present mortgage? Our only wish was to consolidate our mortgage and our equity and pay it all off faster.

Then to top it off, last week at my office someone called and spoke with one of our managers. I don't know who it was but she asked questions that made it sound like I was being untruthful about my position. First of all she questioned when my manger left for vacation and when he would be back. Then also, why he did not use a typewriter? What was that all about?

Now Chase has charged my credit card for the application fee and they have decided (after over a month and a half of questions and the aggravation of sending all types of documents) that we are not qualified for a 15-year fixed rate. This is very upsetting. Again I feel that this is just a way of Chase getting our application money and that is it.

We filed a complaint with the OCC in November last year which triggered a phone call from a Chase Corporate Representative in February 2010. Her name is Wendy **. She advised us that she would now be handling our account since Chase had received notification of our complaint filed with the OCC. We told her that we were getting frustrated with always having to speak to a phone representative who would tell us that the underwriting department makes the decisions and no one is allowed to speak to the underwriting department. She then set up a telephone appointment with us so that she could be on the line and she would put us in touch with the underwriting department at Chase.

My husband and I kept our appointment as did Wendy **. She contacted the customer service department for the loan modifications with us on the phone, and she presented herself as a Chase corporate representative, gave all of her corporate identification information to the customer service representative, and she was told that no one can speak to the underwriting department, not even a manager from the corporate office. Approximately 2 weeks later, we received a denial letter from Chase.

The most recent letter they sent us stated that they could not offer us a loan modification since we are less than 60 days past due on payments. However, on every phone conversation we had with them, they told us that we had to be current to qualify for a modification. We have used almost $15,000 of our savings trying to stay in our home.

We have lived in our home for 14 years and have 15 year old twin boys who are in high school. I was self-employed until July 2007 when I was forced to shut my doors due to an economic downturn. My wife was a flight attendant with United Airlines and was forced into an early retirement due to an automobile accident that has left her with a permanent disability. While I am working full time, my income is less than half what it was when we obtained this mortgage in 2006, and due to the ongoing monthly struggle with multiple payments, we were forced to file for bankruptcy this year.

In addition, our home is only worth half the amount of our principal mortgage and our mortgage payment is going to adjust next year. We were told by a Chase representative that since we have filed bankruptcy, we should re-apply for a modification. We filled out all of the paperwork and faxed in a new application on June 3, 2010. We were told that we would be notified within 30 days; however, we contacted Chase on July 2, 2010 and were told that our paperwork was received and put into the system in June 4, 2010, but nothing has happened since that time. We have not received anything from the OCC to indicate that they have followed up on our complaint. If there is anything you can do we would greatly appreciate your help!

Finally in March 2010, I was no longer permitted to make on-line payments for my mortgage and when I finally spoke to someone in the Collections Department, they told me that my modification was denied because I had too much equity. I was never sent anything in writing to verify this and they refused to allow me to make on-line payments until I sent a letter saying that I was not interested in loan modification any more.

I sent five letters and still nothing changes. I am dealing with rude customer service people telling me that I was not paying my mortgage, but I was and on time! They attempted to get me to pay $20 service fees to accept my payment for several months, but I argued for hours on the phone only to be hung up on and they refused to let me speak to supervisors or managers.

Only a few days ago while waiting once again on hold for hours with Chase, I stumbled on several web pages with hundreds of people with the same complaints. Well, I will admit that I was relieved to know it wasn't just me! I have struggled since my divorce in 2002 to keep my mortgage paid and my lawyer even had to take Chase to court when they failed to allow me to make partial payments or end me information on ways to avoid foreclosure. Needless to say, when my divorce was final, I paid my mortgage to current. I got behind again but always caught up payments. The last time was well over a year ago and I went on a payment plan.

When I finished the last payment, the next month they added $900 in late charges to my account. I disputed the charge since all late charges were paid in the repayment plan every time I had done this in the past. Chase stated that was not the case this time. I continued to refuse to pay the $900.

During the loan modification, I paid three higher payments which were supposed to also wipe out the $900 late charges, which never happened either. I am still fighting with Chase to change my name (I was remarried in 2007). I submitted all paperwork and fees and this was never done. Also, the house continues to be in my former husband's name, in spite of numerous letters from me and my attorney proving it was quit claim deemed to me in my divorce in 2002. I would love to sue them just for the hundreds of hours wasted in this loan modification process, numerous phone calls, letters and nothing changes. The hang up on you and outright lie when they are cornered. Can anything be done?

I was not able to lower my interest rate and wasted over a year and low-interest rates could have saved me thousands on my payment. I made three increased mortgage payments that were not applied to anything nor refunded when requested.

A few days later, a Ms. Ugenia ** from Chase contacted me and stated that she was my "Relationship Manager" and informed me that I was 49 days past due and that if my account went past 60 days delinquent, it would be considered a "plan break". I asked her what the plan was. If there was a plan break then there had to be some plan in effect to begin with. She could not give me answer all. She kept saying is that if I wanted my modification to go through, I had to deal with her and make a payment in the full minimum amount. Obviously, I can afford the minimum amount. That is why I am requesting a modification. She insisted that I speak with collections and pay. After speaking with her, I immediately contacted Julie ** at Chase and told her what had occurred. She told me that Ms. Ugenia was probably working with the collections department and not to worry because my loan was already in underwriting but she was not 100% sure who Ms. Ugenia was.

Julie asked me for her full name and phone number along with her extension. Julie told me that she was going to speak with her supervisor and both of them would contact Ms. Ugenia and her supervisor since one entity is in Arizona and the other in Florida and find out what is going on. Julie contacted me the next day and told me that Ms. Ugenia was my relationship manager but she did not know why she was referring me to collections if my account was already in underwriting. Julie also told me that since my file was already in review there was nothing else to do but wait. A few days after that call, Ms. Ugenia called again and asked me why I haven't made any payments. I told her that I had spoke with Julie and she told me everything is in underwriting and all I needed to do was wait. She became very upset and said that I did not need to be speaking with Julie anymore! She was the one handling my case and again, if I wanted my modification, to go through it would have to be because she said so. I immediately contacted Julie again and asked her to please be honest with me and tell me what was going on.

Julie said that she used to handle second mortgage modifications. However, since my loan was a HELOC then it got transferred to the "2MP Team" which was in Florida and my relationship manager was Ugenia! I told Julie that Ugenia was basically holding my modification "hostage" unless I made a payment in the original amount that I am requesting help with! Julie did not answer right away but then responded and said that no she can't do that, that would be against the law and I told Julie, "Well, she is." Exactly one month later on 7/8/10, I contacted Chase to find out the status of my modification. I was told that my account was 69 days past due and my account had been "inactivated". I asked about my loan being in underwriting and they all said the same thing, "We don't know, sir. We need you to make a payment."

I did not know who to turn to,Ugenia so I contacted the people from HOPE and explained to them exactly what I stated above. They immediately transferred me to the escalation department and opened a file to assist me. On 7/8/10, a conference call was conducted with Ugenia (Chase), myself, and Debbie ** (HOPE). The call was conducted in order to figure out the status of my modification. Right from the start Ms. Ugenia took the defensive and tried every avenue not to have Debbie on the phone. She stated that my verbal authorization was not good enough. However, she would let it slid this time but next time I needed to send an authorization form. Ms. Ugenia then asked me a series of new "security questions" that I had never had to answer before. Once I answered those questions, she stated that she could not go any further into my account unless I gave her the specific dollar amount with change of my last payment, Debbie was speechless!

Lucky for me, I was able to log into my bank account and find the exact amount. After jumping through all her hoops Debbie asked Ugenia what was the status of my account and stated that it was "inactive" due to delinquency. I then asked if my modification was in underwriting and she could not give me a straight answer. She just kept telling me that I was delinquent and that I needed to make a payment in order to move along my modification process. (Sounds like extortion to me) Debbie explained to Ugenia that the federal guidelines regarding second liens or mortgages must follow suit if the first has been modified through the HAMP program in which in my case, it has. Finally, Debbie asked her "What does Mr. R have to do today in order to re-activate his status and move this process forward? "

Ugenia said that I needed to make a payment so she would transfer us to the collections department in order to make some type of payment arrangement. Debbie told Ugenia that she had never heard of collections arranging the 3-month trial modification. Collections is a separate department and they do not have anything to do with the modification process. Ms. Ugenia told us that they did. Debbie and I were transferred to the dollections department's call center located in Arizona and spoke with Boyd. Boyd stated that he was going to set me up with payments that I could afford on a regular basis as my modification was being reviewed. I agreed on the amount of $500 per month which would be due on the 9th of every month for 3 consecutive months.

In September, I would receive a finalized modification with a payment amount "slightly" higher than my initial trial payments but more affordable than the original. Boyd told us that this was considered a "STIP Mod" and that he would expedite this so I could move forward with the process. Boyd also instructed me that I could make these payments at a local Chase branch or via internet, or by phone. Boyd also asked me to fax over my entire packet once again, which I did, and that everything was under control. It seemed to good to be true because after countless hours on the phone with these people it was that easy. Debbie was also pleasantly surprised but I already knew the kind of people I was dealing with.

So today (7/9/10), I called the number that Boyd in Arizona had given me to make my first payment of $500 over the phone. However, I was somehow routed to a call center in Florida because the call center in Arizona was busy, keep in mind it's the same number. I spoke with Shaina, I told her I wanted to make a payment. She advised me that my account was 70 days past due and that the total minimum amount due was over $4,000. When told her that I had set up arrangements with Boyd in Arizona for $500, she said that she was not authorized to take that amount.

I had to pay at least the minimum amount for one month. It was like I was speaking in a foreign language to her because she had absolutely no clue of what I was taking about.It was a figment of mine and Debbie's imagination. Shaina was unable to help he and told me that I needed to speak with Ugenis as she was my relationship manager. Immediately after speaking with Shaina, I contacted the HOPE Hotline again and spoke with the escalation department, hoping to speak with Debbie because she new exactly what was going on from the day prior. I was unable to speak with Debbie so I had to explain the entire thing all over again to Shela **.

On 7/9/10, another conference call was conducted with a rep from Chase, Mrs. W. and myself. The conference call did nothing, the call got disconnected and I lost communication with Mrs. W. I continued to be transferred from rep to rep and department to department. All telling me the same thing, "Speak with Ugenia, She is your Relationship Manager in charge of your file." I was able to find out that my account had all of a sudden become "active" again when the day before it was "inactive". Ugenia works for the 2MP Team out of an office in Florida, I attempted to contact her with negative results, she was gone for the day. I spoke with another relationship manager who transferred me to Liz **.

She, however, was very nice and answered a lot of my questions. She told me that my account is currently in review and my account is active. However, she did recommend that I make a payment if I could in order to keep my account from being "charged out" because it is a home equity line of credit. I agreed and made a payment over the phone with Liz, she also stated that I should call in a few weeks and verify the status of my modification. I still am worried because I don't want Ugenia to take advantage of her position simply because we disagree. I know she works for the bank and her job pays her bills, I understand that. However, what I don't understand is why they play so many games with people's lives.

Moments after I spoke with Liz I located a "Chase Homeownership Center" in my area via the internet and spoke with Tammy. I explained to Tammy my entire situation and she told me that the bank cannot refuse the modification because it has to follow suit of the first as long as the first was modified under HAMP. Tammy told me to call back in two weeks and check up on my status.

This is ruining my life, I have other issues in my life of greater importance. This is simply unethical and immoral. It is making me physically sick with stress. I don't know who to turn to or who to report these people to.

With this I told her that this was harassment and that I will report them to the banking commission and others if this does not end. She tried one more time and I told her that I will make the payment my way by the 15th and that is the end of this phone call. With that I hung up on her. Since July 1, 2010 to today, July 9, 2010, they have called 8 times as per my caller ID. Heaven only knows what they are doing to our credit report let alone what they are trying to do to us through the phone calls! Please publish this for all that have Chase Mortgages. Try to find another lender! I wish I could!

On July 7, I actually got a call from the "negotiator" who is assigned to my modification, asking for further documents. I explained that we had already been told that we were approved and that all documents have been submitted (at least 3 times during the last 8 months!). I got placed on hold and after 15 minutes, she came back and said, "yes, our system does reflect that you were approved on June 11th. I don't understand why they need further documents. They probably told you you were approved in error. I will have to inquire and call you back". I had the illusion that the negotiator would be more competent than the 5,000 service reps I've spoken to over the past 8 months. I was wrong. She knew less. Do you think I've heard back from them? In the interim, I have sent them what they were requesting (again) but know that I am fighting a losing battle.

Chase is purposely stringing its customers along. Had they handled this modification in a timely manner, I wouldn't have had to empty my savings account or had to cash in my define benefit plan to make those payments. Where is the administration to monitor that the Making Homes Affordable Plan is being effectuated on a timely basis? Who forgot to put in the MHA program some kind of timeline that should be adhered to? By Chase's agreement to participate in this program, what are their responsibilities to their customers? They have and continue to act in complete and utter bad faith.

On July 6, 2010 I received a letter to connect with Chase. The following day, I received a certified letter which is the same letter I received the day before. I received the letter at 4:44 pm and began calling the phone number on the letter since the letter stated, "Please don't delay - call us now at 1-800-...”. Joseph answered the phone and I informed him I was recording the call. He could not pull up any info by the loan number or my social security number because it was a WaMu loan so he would need to give me a different phone number to call.

I explained to him that the number I called was listed on the letter 5 times, and why would they send a letter out with a number that could not help me. I requested to speak to his supervisor because they needed to change the phone on the letter because it was very frustrating to receive a letter requesting me to call then get past around. His supervisor Cesar came on the phone and I informed him I was recording the call because of all the problems I was having. He gave me a different number to call, 1-866.

I requested that he have someone fix the problem with the phone number. I called the phone number Cesar gave me and it does not accept incoming calls. I called the number Joseph gave me and it routed me to Paulette, who I informed I was recording the call, who told me she could not help me because it was a WaMu loan and gave me another 1-800 number. I asked to speak to her supervisor because this was the 4th phone number I was given today and could not get anyone who could help me.

She put me on hold then came back and told me that number was not working and gave me the same number I just called. When I spoke to her supervisor, Ms. W., I told her I was recording the call and she said she would not be recorded and hung up the phone. I have the recording of the calls if this will help in anyway. I have no way of reaching anyone at Chase to try and make sure they know I am trying to work something out so I do not lose my home. Now what do I do?

This caused me a return of the $395 application fee.

All this was done and the payments agreed upon were taken directly withdraw from my account. The original paperwork was the same. The things asked for the second and third times, but the first time they wanted years of tax information and other stuff. I would not have had to go through all of this if they would have used the paperwork sent the first time. This was a setup for failure and immoral practices. This has affected my credit score that was about 720 and now I have been turned over to collections for the entire amount and post foreclosure.

On June 26, 2010 I received a letter stating that my loan was going to adjust and that I had to pay my taxes and insurance from Sept 2010 onwards. In the meantime they allege that I am $3300 behind in my payments, but I make the modification payment every month. They claim they do not have to follow the protocol with GMAC and the modification done with them. I am ready to join in any class action suit. They have done nothing but lie to the public and Obama is doing nothing to rectify this situation. In the meantime, my credit that I have worked so hard to keep good, is now not good.

Because of this, she was declined and now owes them $4,000.00 or she will lose her home. Needless to say, since she had entered this program, she does not have $4,0000.00. She has paid $496 every single month on the day it was due, and was never late. She called every month to check her status and to make sure they had all the documents they needed and they assured her they did. My mother will be losing her home as soon as today if they decide. She is currently resending paper work to try and save her home.

In April 2008, my husband, Latif **, injured his left dominant hand in a sporting event. Since this was a non-work related injury, he had to file for state disability insurance which was a significant decrease in his monthly income. The NJ state disability insurance only paid $524 per week. This was less than half of his weekly income. In July 2008, Latif was subsequently terminated from employment as his job was no longer covered under the Family Medical Leave Act. Latif went through 3 surgeries and physical therapy in order to be able to return to gainful employment. In October 2008, Latif was released to full time work. After many months of searching for employment, he landed a full-time job on March 10, 2009 at Penn Presbyterian Medical Center.

He has worked at the hospital ever since. On March 25, 2009, we contacted Chase to notify them of my husband’s employment and to reestablish our monthly payments. After taking down all of our financial information, our account was later assigned to Kelley ** (Repayment Analyst) on April 13, 2009. Ms. ** indicated that we met the qualifications of a loan modification plan. On April 28, 2009, we received a Forbearance Agreement letter dated April 17, 2009. According to the terms of the agreement, we were required to make 3 timely payments in the amount of $2062.76 to prove we will be able to make monthly payments. Subsequent to making our timely monthly payments, we received a Foreclosure Summons on May 6, 2009 for the property in question.

Since we signed and completed the Forbearance Agreement, I immediately sent a letter to Chase’s legal representative, Ms. Dolores ** of Fein, Such, Kahn, & Shepard, P.C, requesting they resend the foreclosure summons and adhere to the written agreement dated April 28, 2009. This letter was dated May 20, 2009 and is enclosed for your review. Please note that I have never received a response. However, I did send a follow-up letter dated June 17, 2009 directly to Ms. ** requesting a response. Again, I did not receive a response. All payments for the Forbearance agreement were made timely in May 2009, June 2009 and July 2009. On 7/2/09, I spoke with Eric (Customer Serve representative at Chase) who explained that as of May 12, 2009, the foreclosure proceedings were postponed until the modification agreement was finalized. Eric also explained that our Modification Request was under review and that our case was assigned to Oscar ** (Underwriter). Since I did not receive a response, I again called Chase on 7/16/09 and spoke with Keera (Chase Customer Service representative), who indicated that our loan modification should be completed within 30 days and informed us to continue to make our monthly payments.

Since I did not receive response, I again called Chase on 8/3/09 and spoke with Christine ** (Chase Customer Service representative) who indicated that the systems were down and explained that our Loan Modification would be processed within 2 weeks and we should receive a packet in the mail. She also recommended that we continue to make our monthly payments of $2062.76 via Western Union. Since I did not receive a response in the 2 weeks promised, I again called Chase on 8/27/09, and spoke with Adam (Chase Customer Service) who explained that he was not sure how long the process would take and stated that it could take a few weeks. He also explained that we should continue to make our monthly payments regardless of the delay. As I was uncomfortable with the advice provided by Adam and had lost all sense of trust with Chase, I again called n 9/3/09, and spoke with Michael and Theresa (Supervisor at Chase Customer Service) who explained that we needed to send 2 recent pay stubs, 2 bank statements, a copy of a Hardship letter explaining the reason for the default. She recommended this information be faxed to the Lost Mitigation Department. This information was faxed on 9/21/09. On 11/4/09, I spoke to Maryline (Chase Customer Service) who explained that our application was with the underwriting department and the Modification request had been approved. She stated that we will receive a packet in the mail via overnight delivery. She also recommended we continue to make our monthly payments. This packet was never received.

Despite receiving the verbal approval of our loan modification, on 12/26/09 we received a letter dated 12/22/09, requesting we provide additional information in order to complete the Loan Modification Application (letter enclosed). The additional requested information was provided to Chase on December 31, 2009. On January 8, 2010, we received a duplicate request for the information already provided on December 31, 2009. On January 9, 2010, we were informed that the modification request was again under review. On February 2, 2010, I spoke with Jeremy (Chase Customer Service representative), who stated that the modification has been approved, but stated that the 4506T tax form needed to be filled out (even though this form was submitted 2x). He indicated that all financial documents are good for 60 days. As I did not receive any written or verbal communication from Chase since the last that I called, I again called Chase on May 24, 2010, and spoke to Dakhuna (Chase Customer Service) who stated that she would submit this issue to her supervisor Rebecca ** who will try to look into this issue as the loan modification was approved in 12/09 and we should have received correspondence. She provided me with the name of my underwriter Martha **. Dakhuna promised to call me by Friday, May 28, 2010, with a status. At this time, I have exhausted all of my options with Chase. I have been going back and forth with this company since March 2009. It is now June 2010. My husband and I have been doing exactly what they ask us to do for over a year and 2 months.

It’s unfortunate when you lose your job due to a disability and then make a honest attempt to contact your mortgage company to fix the delinquency (as we were recommended to do by our attorney), only to have them ignore you for over a year. I have never received a call or any type of written communication from Chase unless it was solicited. We intend to keep our property, and we will fight for whatever we need to do to keep it. My husband and I make decent money and have successful careers; we are not trying to walk away from our responsibility. I do not feel it is right or fair for the mortgage company to string us along for over a year without a resolution. This appears unethical and downright unlawful!

At this time, I am requesting that you step in and do a thorough and formal investigation on our account and demand Chase to finalize our mortgage modification retroactive to 12/09 without the requirements of any additional information. I am also requesting that Chase contact all three credit agencies and report our mortgage loan status as current effective 12/09! Last but not the least, since we were not under any type of mortgage contract for the entire year of 2009 (through no fault of our own), there was no payments applied to our mortgage interest. Therefore, we owe the IRS $2500 for 2009. I am requesting that we receive a separate check covering all interest paid in 2009 so that we can satisfy our unpaid taxes for 2009 that was a direct result of Chase not applying our interest to our taxes. I would appreciate immediate review and investigation into this matter.

I called to speak to the "negotiator" and was told we were in foreclosure. I was never able to speak to someone who could help me. I spoke to people at the call center, only to tell me that they would email the "negotiator" and they would call me back. I have a 3" binder full of documentation of every call I made and who I spoke to. I never spoke to the same person twice. We have been in and out of foreclosure with notices attached to our door with sales dates on them. To make a 2 year long story short, I submitted no less than 5 loan re-modification packets which include no less than tax returns for 2 years, bank statements for 2 months, pay check stubs. In December 2009, we received documents for a "3 month trial period". We are now into the 7 month of the "3 month trial period" and just received our loan re-modification terms.

This is the best part, this document is 5 pages long. It's very vague and doesn't include specific information at all. What it does make perfectly clear is that at any time we sale, refinance, or at the maturity of the loan, a balloon payment of $223,000 is due. Yes, at any time. So if we decide to sale in the next 2 years, they require that the principal be paid in full plus a balloon payment of $233,000. So, for our house that appraised, according to the drive by the bank did, for $420,000 they want us to pay over $653,000 at any point we refinance the loan or sale the property. Oh, and they gave us 7 business days to sign and return the documents or go into default. The cover page advises us to have our attorney review the documents.

What attorney has an appointment within 7 days? We went to a Chase to make sure that we were understanding this balloon payment thing and the representative couldn't believe what she was seeing. She advise us to call the 800 number on the loan documents. We have called. We were advised that the due date could not be change and we would need to speak to the under writer. We the under writer is busy and will call us back. Yes, you guessed right. We have not been called back. No one in their right mind would sign these documents. I hope other people who receive "modification" actually read the loan terms before signing. If anyone is interested in a class action suit please include us. We will be at the front of the line. The past two years have been the worst of my life. I don't sleep. I'm on stomach medication to prevent an ulcer. We have half way packed up our house twice. My kids are stressed out with the thought of having to move which is ongoing for the past two year.

Doris ** (mother) has good credit score; and Doris ** (daughter) has bad credit score. We applied for a 1st time loan on our property that had no mortgage. We applied for a $63,000.00 mortgage. We both signed the loan papers, about 25 pages. We received the check with both our names on it. We cash it, and made improvements on our jointly owned house. A year later, Doris ** got laid off; I have been trying for almost 2 years to get Chase to modify this 10.875% interest rate. We applied for this modification loan back in April 2009, sending everything that they needed to process the modification loan.

In November 2009, they asked me again to send the same paper work. I sent the same material papers on two different occasions. Back in November 2009, they told me that I, Doris ** (mother) didn't live there. I said, yes, I know that, and the Loan Officer that was assigned to us for the loan also knew that I didn't live there and that's why they have a different address for me. I called them back around January 2010. They said send them a copy of the check that bared both our names, which I also sent a copy of that check back in April 2009. I asked my daughter to deal with them because she is the borrower, too. She sent letters explaining her problems and gave them again all her financial information for a 3rd time.

Eventually, they contacted me on 3/16/10. They said the loan was made to me (mother) Doris ** and because I didn't live there, I was denied. I immediately said that can't be. She was a borrower, too, as well as me because we both took turns signing the loan papers, page by page on separate lines and Chase consolidated her debt for pay off. They again said that I was denied the modification loan because, I, the mother didn't live in the house at **. I said the loan specialist knew that I didn't live at the house. My daughter who was sitting right beside me, signing these papers, and I told them that. They knew I lived in Brookhaven, PA, because they said, "Where do you want the statement sent?” I said send it to me at ** Brookhaven, PA 19015. And that is the address that the statement comes to from the beginning. Chase Mortgage’s only objective was to get the loan. My daughter was a borrower, too, and she should be able to get a loan modification for her hardship as well. Now that she is laid off, they do not want to help her. She is receiving unemployment and it is hard for her to make the payments.

I copied all the loans paper that bared our names and they stated: Doris ** and Doris ** as Borrowers. My daughter’s name is throughout the loan papers. Then he said (Paul, a Chase representative), “I don't see her signature on the paper work.” I said, “I don't see Chase either. I don't have a signed copy of the loan paper because the loan officer did the loan transaction at our house and didn't have a copier with him, $63,000 with a 10.875% rate. Why won’t you help her?” That loan officer that came to our house knew that I didn't live there. She needs help. I need help or advice from someone who can help me get my daughter a lower interest rate. If she signed all those papers, and she had to sign the check, why can't she have a hardship? My daughter has been unemployed for over a year and desperately needs this modification to this loan, 10.875%. As of 6/25, her unemployment compensation has stopped. Oh, they gave her another 2 months as of 6/28. And yes, she is looking for a job and she has been on interviews. And she doesn't have health insurance.

In the beginning of December 2009, I realized it was going to be difficult, if not impossible to continue to make my mortgage payments. I immediately contacted Chase Home Finance and explained my hardship to them. I was told that I should apply for a Home Modification Loan, which I did. After several attempts over a period of weeks were made to Chase, I tried to find out the status of my application; and no answers were given. I placed the house on the market on 1/5/10. I contacted Chase and advised them that I had placed the house on the market. Finally, after waiting approximately 3 months for an answer to my loan application, on 3/5/10, I received notification that I did not qualify, even after originally being told by Chase that I did.

After not getting any offers for the house for over 3 months and falling further and further behind with my mortgage payments, I decided that a short sale might be in the best interest of all parties. I changed the listing contract to reflect the short sale and contacted Chase.

On 3/10/10, I received an offer from a prospective buyer who was willing to pay just below fair market value in cash. The offer was sent to Chase by my realtor. 3 and a 1/2 months passed, and it has become difficult, if not impossible to speak with the negotiator handling the paperwork. Finally, on 6/24/10, Chase countered the offer with an amount of $102,566. No one can figure out where they got these numbers from, and the negotiator cannot be contacted. Every time I call or the realtor calls, it goes right to her voice mail; and she never returns the call. The buyer contract ends on 6/30/10. He has decided to pull out of the deal because of the length of time that has passed and the noncooperation by Chase Home Finance.

The individual asked me "if I wanted to keep my home, I sold process my payment". There is no way to confirm if the option is setup correctly (even though when you setup the auto pay, it requires you to give out the banking account info). In other words, Chase confirms the account is setup but then when it does not get transferred or processed correctly, you cannot check this unless you get a call such as I did. I had to pay a late fee and phone fee to process my payment even though this was their issue. As an individual, this bank tends to make you feel helpless. I am in good financial standing with plenty of equity and I do not appreciate this approach in customer service (or lack thereof). You simply should not treat financially responsible client in this fashion.

I questioned this issue during a conference call between my insurance broker and the service rep from Chase. The customer rep became evasive and was unsure of exactly what insurance is required by Chase. At this point, I am double insured and over-insured because of Chase Home Finance. This has caused me and my family undue financial hardship and may result in a default on this loan of $25,000.

We tried to explain our situation to Chase and all they would do for us is to add 250.00 extra to our mortgage payment until we repaid our past due payments which added up to more than we could pay for. We lost our son to cancer on September 16, 2007. We received a letter from Chase demanding the two months past due payments plus the next month payment. So we had to come up with 3330.00 plus late fees within 30 days or lose our home and land. We borrowed money from my sister to keep us from losing our home while dealing with losing our child. In November 2007, I paid two mortgage payments so Chase would leave us alone and let us deal with losing our child and not be harassed by them. But on Jan.1, 2008, we got a call from Chase stating that our mortgage payment was late even though our payments are due the first of the month. Needless to say they found our payment after arguing for an hour and a half. The payment was in a suspense fund of course and they once again charged me with yet another late fee.

To make this 5 year horror story short, we go to the latest problem on June 2009. We received another letter from Chase stating our escrow was short once again (nothing new ) so we went to a Chase bank to talk to a real person. We paid our escrow shortage amount plus our two months mortgage payments that they said were past due our mortgage payment still went up. After struggling for 7months, I applied for the re-modification loan in Jan. 2010. Since then Chase has stated that we have not paid our mortgage since Feb. so I contacted my loan ambassador regarding this matter and he told me to start sending our mortgage payments to GMAC. He said he would contact Chase and let them know we were going to pay our mortgage payments to GMAC until the re-modification was completed. He would handle the matter of Chase continuing harassing us with daily phone calls, ranging from 3 to 10 calls a day every day of the week counting Saturday and Sunday from 7 in the morning until 9 at night.

But that hasn't done anything. I have yet to get any information regarding my re-modification. At this point I have continued receiving phone calls from Chase and letters as well. The latest letter stating that Chase has foreclosed on my loan and that now our home and land will be sold on August 3, 2010. I once again contacted my loan adviser and all he would tell me is that is was against the law for a mortgage company to foreclose on a loan when it is in a re-modification process, but I don't know if this is true or not. Now all I can do is wait and see if I lose my home and land. Not only that, we may lose the privilege of being with our son whom we lost in 2007, because he is buried on our land and I get to visit his grave any time I want right now. I don't know if I can deal with not being able to look out my door and see my child's resting place every day. Chase gave us 1 quarter acre of our land to bury our son on. But the problem is it was an agreement made over the phone by my cousin and I have no written proof of the agreement so I don't know if I will be able to prove that as well.

In following up with these offices both denied ever having been contacted by Chase or reporting my taxes as delinquent. Both taxing entities (Hill County, Texas and Whitney ISD, Texas) faxed to them a statement that taxes were not delinquent. In a follow-up phone call with Chase, I was informed that the notation had been made on my mortgage loan.

A few weeks ago I received another letter indicating delinquent taxes. This time both the Hill County Tax Office and I phoned to complain about this false information being processed by Chase. We were told that the fact that my taxes were not delinquent had been noted on my mortgage and that they were researching the cause of the error. Since that time I have been informed of a forced escrow account and Chase has proceeded to make tax payments on my behalf that are not due forcing me to repay them.

They have increased my loan payment by $500.00 monthly due to the forced escrow. Phone calls to property tax supervisors on two levels have not been returned. Any assistance will be appreciated. The consequence is a forced escrow adding $500.00 to my monthly payment and advancing payment on taxes that are not due forcing me to repay Chase. This will also possibly be reflected on my credit history with Chase.

Nearing the end of that repayment plan, I called up Chase to inquire about what my next step was. Do I keep making the arrearage payments? Some person on the phone at Chase stated that a Loan Mod would be the "best" thing for me. I agreed, not knowing much about the mortgage industry nor the consequences of this on my credit. Nor did anyone explain the consequences on my credit report for doing the Repayment Plan and how all of it would result in rolling late delinquent payments!

Now my credit is even worse. At the end of that Repayment period, (August 2009) I didn't understand what that meant for my mortgage balance and payments. I could have paid extra towards my mortgage at that point as I was working (and still am), but nobody explained that to me. They just assumed that a loan mod was the best thing for me. I started the process and they kept telling me "keep making the trial payments - keep sending them in." At that point, since I was in a repayment plan from 2/09 to 7/09 and making catch up payments for 2008 that meant that the mortgage payments for 2/09 to 7/09 weren’t getting paid yet. No one explained that to me. I am just now figuring that out and am actually speaking to only a few competent people at Chase from time to time who actually informed me of the dangers and drawbacks of loan modifications on my credit and they actually stated that they would have steered me clear of it if I could have avoided it.

Just 2 months ago, they denied my loan mod for "failure to provide documents" (which is untrue as I've sent them many, many, many documents 100 times over). Frustrating! But I hear so many other stories of others in similar situations. Then they make the stupid mistake of mailing the letter denying my loan mod - to the property address. The only thing is that I don't live at the property address, my tenant lives there! It is a rental (I'm living with my boyfriend to pay off debt). So the letter was returned to Chase. I never saw that letter ever.

A month later (after I assume that the loan mod is "almost complete"), the next thing I see is an Accelerated Foreclosure letter sent to my Mailing Address (where I actually live and they know I live there because they send my mortgage statements and other correspondence there) stating that I haven't made a payment in 15 months! This is untrue as I have been making the advised monthly "trial payments" based on their guidance and before that the advised repayment arrearage payments. Only those payments are less than optimal and not a full payment - leading to delinquency! Derogatory Credit Report with default and delinquency is equal to rolling late, when I've been making monthly trial payments and also arrearage payments, as advised by Chase. Yet, no one from Chase told me about the negative consequences of doing this loan mod. I likely didn't even need to do a loan mod as it could have been avoided.

I was laid off of my well paying job and out of desperation had to take a job that paid commission only which equated to much less than I had been making. The position was with a luxury retailer and the economy at that time unfortunately was not supporting that industry.

On April 15, 2009, I visited the Chase Bank branch at Wilshire and La Cienega in Los Angeles, CA to speak with a mortgage rep regarding refinancing my mortgage. I had an amazing credit score of 813. I had never been late or missed any payment ever! At that time, all I wanted to do was take advantage of the new rates which were about 1% lower than when I bought my condo and originated the loan about 1 year prior.

The representative told me that I would be much better off taking advantage of the making home affordable program because the interest rate would be much lower. Per her suggestion, I called the 800 number she gave me and spoke with a Chase representative in the Imminent Default Department. That rep told me that I qualified for the program based on the information I gave them and said that they would send a package of forms to fill out.

I finally received the forms on May 15, 2009. I completed them and faxed them back with 50 pages of my financial information on May 21, 2009. I was very relieved to be eligible for the program and was looking forward to getting some relief from the stress that my mortgage was causing me.

The trial period payment plan forms were sent to me and I received them on 11/16/09. I promptly filled them out and returned them via FedEx on 11/18/09. The first payment for the trial period was due for 12/2009. I called to make the payment on 11/30/09 and spoke with Sue. I expressed my concern to Sue that I had perfect credit and didn't want to mess it up by paying the trial payment amount which is less than my normal payment. Sue said that paying my normal payment would more than likely have a negative impact on getting the modification.

In the trial payment guidelines that were sent to me, it says that Chase will report delinquencies to the credit bureaus during the modification process. But once the modification was approved, they will note that and remove the negatives from the credit reporting agencies' reports. With this information, I decided to go ahead and make the trial payment in the amount that Chase told me to make.

I proceeded to make my monthly trial payments on time for Jan, Feb, Mar, Apr, and May 2010 which was a total of 6 trial payments. On 3/129/10, I was online, reading blogs about the Making Home Affordable program because at this point, I was starting to get very concerned that I was being led on by Chase with no end in sight. As suggested on one blog, I filed an official complaint with the OCC so that I could get Chase to get serious about my application. I also faxed 40 more pages of my updated financials as suggested by a phone rep at Chase.

As suspected, Chase finally noticed me once they received notice of my complaint from the OCC. On 4/14/10 and 4/20/10, I received identical letters from Chase letting me know that they are reviewing my file and will provide a complete and accurate response in a timely manner. Also, that they had assigned Analyst Nicole ** to my issue.

On 4/21/10, I received a letter from Nicole ** stating that "in order for Chase to review my loan for a modification, they will need updated financial documentation." Once again, I faxed Chase the 40 pages of my financial information as requested on 4/21/10.

On 4/30/10, I received a letter from Freddie Mac informing me that my home was in danger of foreclosure because Chase has reported delinquent payments. This is false information because I made every payment on time and in the amount that Chase told me to pay. I immediately called and left messages for Nicole ** on 5/3/10, 5/4/10, and 5/5/10 to inform her of my concerns about the letter from Freddie Mac.

On 5/5/10, she finally called back and said that I shouldn't worry because foreclosure cannot happen while I am in the modification program. On 5/11/10, I got a letter from Chase Fulfillment Center informing me that after researching my account, they have determined that I do not qualify for a modification through the Making Home Affordable program or any other programs at this time because the NPV (Net Present Value) results.

On 5/21/10, I received 3 identical letters from Chase's Homeownership Preservation Office informing me of "events" happening in my area where I can meet with a Chase representative in person to go over ways for me to stay in my home and avoid foreclosure. I immediately called Chase and paid my loan up to date which was $6,662.94.

I also called Customer Service and spoke with Been ** about getting the negative marks that Chase put on my credit report removed so that I could apply for refinancing (which is all I wanted to do in the first place). Per the recommendation of Chase agent Been **, who I spoke with on 5/21/10 to request an amendment to my credit report, I wrote them a letter and faxed it in.

On 5/26/10, I tried to make my June payment online at Chase.com. The system would not allow me to make a payment and showed that the $6,662.94 payment had yet to be applied to my loan (even though the funds had been removed from my checking account 5 days earlier). I called Customer Service and was told that they couldn't help me and that I would have to speak with the Imminent Default Dept. I was transferred, told that they would get the payment applied but that I had to speak with Customer Service to get the negative credit marks dealt with. Customer Service informed me that a letter with a response was on its way.

On 5/27/10, I received a form letter from Michelle ** denying my request to amend the credit. I called Customer Service to get connected with Ms. ** but was refused a contact number for her. On 5/28/10, I received 3 more identical letters from Chase's Homeownership Preservation Office informing me of "events" happening in my area where I can meet with a Chase representative in person to go over ways for me to stay in my home and avoid foreclosure. Also on 5/27/10, I received another letter from Chase Home Finance LLC notifying me of the denial of my modification due to the NPV being negative.

On 5/30/10, I made my full June payment online and it was applied on 6/2/10. On 6/2/10, I received a letter from Chase Fulfillment Center informing me that my "modification is at risk" and that I needed to immediately return the enclosed "Request for Transcript of Tax Return." I will return this form; however, I don't understand why it is being requested since I have already been denied a modification.

To wrap this up, I want you to know that I feel that I have been treated with no respect during this 13 month process. I have been led on for no reason and have basically been forced into the horrible situation of negative marks on my credit file. All I originally wanted was to refinance my loan. Now, all I want is the same thing I asked for 13 months ago but was led astray by a Chase representative. I want Chase to remove the marks from my credit and refinance my loan to the current rates of 4.785%. My credit has been ruined, leaving me without the ability to re-finance my loan.

A short history: My husband, Chester, was a partner in a development company, holding several partially developed subdivisions when the economy plummeted. We were hit hard, as many, many were. After depleting all assets in an honest, transparent attempt to keep up with our financial debts, we were forced to file for Chapter 7 protection--completely broke. We were left with no choice. A few months after our bankruptcy discharged, my husband secured a job out of town, working on the North Slope of Alaska. By that time, we were way behind on our mortgage payments, but we wanted to keep our home, primarily because our elderly, retired, fixed-income parents share our property with us, living in their manufactured home. They purchased the home with the entirety of their retirement funds and are living on our property under a Hardship permit, sharing our water, sewer and electricity. Losing our home would not only displace us unfairly, it would leave my elderly parents, who have no savings to speak off, without a place to go. Both suffered from various health problems and moving would prove most difficult for them.

We submitted our paper work under the new Obama plan and we began making trial period payments to WAMU/Chase on June 5, 2009. Over the course of the following year, we have several documented phone calls made to the bank regarding our loan modification request. Each phone call made was to ensure we had submitted all the proper, required information. We also asked if any additional information was needed. Again and again, we were assured the bank had everything it needed. We made all our required "trial period" payments on time. We submitted requested documentation with follow-up phone conversations. We were informed by the bank on May 3rd of this year that we were approved with a modification date of 7/1/2010 and should be receiving a copy of the agreement soon. We have the phone call documented with contact person's name.

We then received a letter dated May 19, 2010, indicating the bank was unable to offer us a loan modification under the Making Home Affordable Modification program because we did not provide them with the documents requested. The problem is we had. We contacted the bank yet again. We were told the missing documents for our file was a 4506T-EZ form. We, on several previous occasions, submitted a 4506T form in our repeated attempts to comply with the bank's request, not realizing there was an alleged difference between the two.

The 4506T form was the original form in the original modification packet, which we procured and downloaded from the bank's own website (at their behest), with the bank's name and address pre-printed at the beginning of the loan modification process. Each time any documentation was submitted, we followed up with a phone call to the bank to make sure documents were received and correct. Again, this is all documented. In those documented phone conversations, it was never clarified to us that the 4506T form was not the correct form and they needed a 4506T-EZ. We were only told that the document was requested again because it needed to have a more current date.

It was not until they denied us the Making Home Affordable modification that we were told that a new rule was implemented and the 4506T-EZ form was the correct form. No bank official ever contacted us to tell us about the change. No bank official shared this information with us during the many times we contacted them throughout the process. After several phone calls, we were given a resource from the Department of Financial Institutions. They gave us a phone number for Chase Bank in Tukwila, a resource for Washington State homeowners having difficulties dealing with loan modification. We now have a contact person there, Karen **, who feels that we have complied with our Trial Period Plan and we should be considered for the original modification request.

Unfortunately Karen ** is a counselor and can only make recommendations. Our modification request has been closed, our June payment is in suspension and our file is now in Loss Mitigation with Chase Bank. Loss Mitigation is now actively trying to collect the amount in arrears which is well over $ 29,000. We received a phone call on June 9th from Chase Bank, Loss Mitigation. We attempted to explain to them we were working with a person in Tukwila but we were told by Dina in Loss Mitigation, "It is too late. I am the new contact person. Nothing done in the past matters."

In her phone call to us, she attempted to collect the $29,000 plus debt. We explained we are unable to bring our loan current, so she proceeded to offer us a loan modification, but our new payment would be well above the original payment offered through the Home Modification Plan. We indicated we could not make a payment that high but the Trial Period payment we had been making over the last year is within our financial means. The bank representative in Loss Mitigation proceeded to tell us that she needs a New Request for Modification Agreement as well as current bank statements, paystubs and copy of 2009 Tax form.

In essence, we are being asked to reapply and start the process over again. How can this be, when they already have all of our information and we've already gone through the entire process? This situation is beyond stressful and frustrating. It is all-encompassing, burdening us beyond belief as this process has gone on for over a year. We are appalled that the bank is pretending we somehow made a mistake, when all along we played by every rule, and we adhered to every guideline. We, in a good faith effort, made every attempt to meet our responsibilities, and we believe we did. What good is a government program that doesn't help the people its supposed to protect? In talking with the Department of Financial Institutions, it seems our story could be a thousand others.

Thank you for your time in reviewing this letter and we look forward to hearing back from you soon. Again, if we lose our home, it will not only displace us but our elderly parents with health issues who are living on our property in their manufactured home under a hardship permit connected to our well and electricity. We have faithfully fulfilled all requirements from the bank for the Making Home Affordable Loan Modification implemented by the government only to be told we do not qualify due to a technicality (although we submitted the document downloaded from the bank's website with the bank info pre-printed), and now being told to resubmit the documents again in a revised version which prolongs the finalizing of the loan modification and continues to put us further in arrears. They have offered a loan modification program that is higher in interest than the program originally applied for in June of 2009 which results in a higher house payment that we cannot afford with an end result of losing the house.

I received a letter around June 10th stating that I was taken off the modification because I missed a payment for May. I contacted Chase to try to straighten this out at least four times in the past week. They said there is no one that can help me. There is no one I can complain to and that I would have to start the entire process over again. Meanwhile, the fees and interest of course will keep being tacked on.

No one at Chase will help me. I have tried to contact managers to which I am told they are always busy. I have left messages for managers which say they will get back to me within 1 to 2 business days and now it has been over a week. The representative I talked to last week (June 15th) said she could see the note where I was told I didn't have to make the payment. Then when I called today (June 22nd), the representative said he couldn't see anything saying that. I then asked for a letter to at least say that I have been trying to work with Chase to straighten out my mortgage. I was told that it would take 30 days after they receive my new paperwork. I was then told they couldn't do it at all.

First is the obvious that Chase has placed my family in an economic difficulty by taking funds not owed and stalling returning my money. Secondly, I have spent hours on the phone trying to talk to the "right" Chase representative to resolve my problem. On more than one occasion, I was promised expedited resolution and return of my money, but it hasn't happened. Yet, Chase has the gall on all correspondence from them to state "Chase's goal is to provide the highest level of quality service." Must be their attempt at humor.

No aid or help has been provided by Chase. No resolve on how I can just get the loan rewritten so I can continue to live here. I will go on SS in December, which is fixed income by the government and that will qualify as income as my unemployment doesn't. No one person at Chase has offered me a solution, and when I was employed no resolution then either. This is now almost one year that I have been trying to get someone at Chase to help me, and now I am 6 months behind in my mortgage. I need to resolve this before I lose my house. I can make lower payments. I just need the loan rewritten.

Also, upon researching information regarding my title, I discovered that my property taxes were paid last year by the First American Bank in Dallas, Texas whom I've never even heard of. One year Chase made us pay $1200 a month. We have also made lump sum payments of $4,000 and $8,000 on two separate occasions. At present, they say we still owe them $70K.

Original Review: June 21, 2010

Let me begin by saying we need help.

In April 2009 we applied for a re-modification program through Chase after my company gave me a 25% pay cut in November 2008 and my husband had no business (he is in residential construction) after December 2008. We tried everything to make our payments, even at the expense of defaulting on our credit card debt, but our mortgage was more important. We needed a house. In 2009 we lost $100,000 between my pay cut and my husband's loss of work which does not include 2007 and 2010 losses. Once we started the process in April 2009, I had to wait 90-days before they would acknowledge my request because they said it was their policy. Then after the 90-days I called them again and was told I was denied because they never received papers that I sent with the original request. We had to start all over. This happened for 12 months.

Then we had to go bankrupt but we kept the house in hopes of a re-modification. We needed to use one mortgage payment to pay for the bankruptcy fees and accountant and the second payment missed was because of my kid’s doctor's visits, prescriptions, food, electric and gas bills, day care costs for my husband's job search, which had not proven fruitful, among other costs while having only one income which was reduced 25%. Finally after calling HOPE in March 2010 because we were getting nowhere with Chase, we started a trial period where they lowered our payment $100-plus a month and told us that if we were approved the mortgage with be lowered either the $100 or more per month and the 2 months we were behind would get tacked onto the end of our mortgage. Ah, finally good news. So we thought.

We made all three payments on time per the requirements of the trial (April, May and June). After my last payment on June 1st we called Chase to find out we were denied. We asked them why and they said by law they didn't have to tell us. We asked why Chase didn't notify us, their reply was you should have received a letter but if not you probably won't. We received a letter but not the denial notice; instead it’s a letter stating they want to start foreclosure on us because of the two (2) missed payments, and since the three (3) month trial period (arranged by HOPE and Chase) where they dropped our rate $100+ a month one mortgage payment is sitting in a suspension account until we pay the difference including late fees and interest. So basically they want us to come up with about $6800 (2 months plus $400 to release the one mortgage payment) plus late fees and interest immediately plus my next mortgage payment which is due July 1, 2010.

How can they do this? I don't understand. They agree to lowering the monthly rate for the trial period and now they used it against us by saying our mortgage payment was short the full fee and must remain in a suspension account, which by the way doesn't gain interest for me, but they can charge me late fees and interest on the missed payment that is sitting in their suspension account. I purchased my house in August 2007; two months later my house lost almost $100k in value and the type of mortgage we did (100% financed with no documents on my husband) doesn't even exist anymore. There are blogs with the same thing happening to so many others out there. I don't want them to give me my house for free. All I am asking is to give me the approved interest rate (5.5%) at the time I purchased if I did the regular 30-year conventional mortgage (my credit score was 830 at the time) instead of the 7% interest rate and to put the two past due payments on the end of my mortgage. I can't understand why they won't help. It would cost them more if I foreclosed.

I also might add you never have one adviser. Instead, you are shuffled through many, creating mass confusion, and even the contact phone numbers are shuffled continuously. This must be investigated, as I am quite sure we are not the only ones going through this very unethical and downright evil charade. In fact, there are already web sites trying to organize themselves, all with the same complaints concerning Chase. It has been a living hell. They are going to auction our house . We put $20,000 down and all the improvements we have done are gone, completely lost. This is a deliberate con scheme.

I am completely dismayed by the lack of professionalism and customer service that you have not provided and how you create walls between your business and the clients you are paid to serve.

So he emailed a guarantee (I did not print it out) that if I don't get the loan, my $395 would be returned. Six pages later and a few faxes, and the loan never happened. I feel they just wanted to spy on my house if their loan was upside down or not! They had a phony low ball appraisal that was 20% less than real value, lost over $150,000 equity value. Now I have no leverage at all, and they hold all the cards.

This was in February, in Nebraska! He estimated the cost to be $250.00 for the entire job. I scraped and painted any loose paint and applied 2 coats of new paint. He then came back out and said he wanted 2 new coats of paint on all the facia and around the windows of my 2 story house. This paint was not chipping, it was just worn and faded. I could not do this work myself and was told this could be escrow-ed and done at a later time, after closing when the weather was better. I needed an estimate for the paint job, which I promptly supplied to Chase. I was told it had to go back to underwriters. Three weeks went by and I did not hear back from Chase after numerous emails and phone messages. I left. Finally, the week before my loan documents were set to expire, I received a message back on a Friday afternoon, that they would not escrow the paint job and I had to have it completed by Monday in order to have the appraiser give the final report.

I hired a painting crew and lift equipment over the weekend which cost $2,000.00 and got the job done. I was told on Monday that the appraiser was now out of town for the next 2 weeks and he is the only one who can do the final appraisal. I begged to have his partner, who routinely will give final reports on his behalf. But Chase would not approve this, even though she is an FHA approved appraiser. Basically, my loan documents all expire and I have to start over. This has been the most stressful 4 months of my life. I think Chase just wanted the application fee and never intended to follow through with the refinance. They were the worst at communicating. I would not recommend any sort of business with Chase Mortgage!

I called often and was told my application was being processed. By October, I finally gave up and decided to increase my payments instead. It should never have taken that long to approve the loan as I have excellent credit and have several other accounts with them that prove my credit history of paying on time. I felt as though I had been scammed and should have had my $750 returned.

Back in November 2009, they told me that I, Doris E., didn't live there. I said yes, I know that and the loan officer that was assigned to us for the loan also knew that I didn't live there and that's why they have a different address for me. I called them back around January 2010, they said send me a copy of the check that bears both our names, which I also sent a copy of that check back in April 2009. I asked my daughter to deal with them because she is the co-borrower. She sent letters explaining her problems and gave them again all her financial information for a 3rd time. Eventually they contacted me on 3/16/10. They said the loan was made to me, Doris E, and because I didn't live there; I was denied. I immediately said that can't be. She was a co-borrower as well as me, because we both took turns signing the loan papers, page by page on separate lines and consolidated her debt for pay off.

They again said that I was denied the modification loan because I, the mother, didn't live in the house at South 59th Street. I said, the loan specialist knew that I didn't live at the house. My daughter who was sitting right beside me, signing these papers, lives here at 19, and that I live in Brookhaven. They knew I lived in Brookhaven, PA because they said "where do you want the statement sent". I said send it to me at Bridgewater Road, Brookhaven, PA 19015 and that is the address that the statement comes to from the beginning.

Chase Mortgage's only objective was to get the loan. My daughter was a co-borrower and she should be able to get a loan modification for her hardship as well. Now that she is laid off, they do not want to help her. She is receiving unemployment and it is hard for her to make the payments. I copied all the loans paper that bears our names and they state: "Doris E. and Doris S. as borrowers". My daughter's name is throughout the loan papers. Then Paul, the Chase representative, said he doesn't see her signature on the paper work. I said, I don't see Chase's either.

I don't have a signed copy of the loan paper because the loan officer did the loan transaction at our house and didn't have a copier with him. $63,000 with a 10.875% interest rate, why won't you help her? That loan officer that came to our house knew that I didn't live there. She needs help, I need help or advice from someone who can help me get my daughter a lower interest rate. If she signed all those papers, she had to sign the check. Why can't she get modification just as well? This has caused me stress, anxiety, and financial burden of 10.875%. My daughter has been unemployed for a year and desperately needs this modification to this loan.