Chase Mortgage Reviews

I then contacted Shukri and explained what happened and requested that the appraisal be assigned to another company. She said that would delay things and she would contact the appraiser and see if anyone else was available to do the appraisal. In the meantime the appraiser contacted me and said that he had never missed an appointment and his wife was ill. I said fine, let's set up another day and time. On the day I was flying home from work to meet the appraiser, I received a call on my cell phone to inform me that that appraisal had been cancelled by Chase and that the appraiser could not do the appraisal. I then contacted Shukri to ask what was going on and she did not have a clue.

However, she said she would make a few calls to see what happened. The order was resent and another day and time was scheduled for the appraisal. Finally the appraiser made it on time. The next week Shukri scheduled a closing day and time. The day before closing no word from Chase. I called Shukri and wanted to know if we were set to close on the date given. She wanted to know who gave us that date. Once again, she did not have a clue. I then called Ryan the loan advisor and told him of the situation. He said that he needed to be the contact person for the future. I was then notified that the appraiser had a medical emergency and would not be able to complete the appraisal.

Therefore, another time and day was set up with another appraiser. Ryan called and apologized and said it would be made up in closing discounts and that he would contact me on Friday. Of course Friday came and went without contact. Therefore, the following Monday, I called and left word to contact me. Of course there has been no contact. This is Oct. 21 and the 60 day lock in rate will soon expire. Credit score is in 800's. I guess Chase does not need to retain good customers during economic woes! Oh well, some company will take advantage of the situation.

So I call and get the shift around and no one seems to be able to help me when they're in the wrong, not to mention they want me to do their job for them by finding all my paperwork to prove I paid, someone needs to investigate them and shut them down and they have done this exact thing about a year ago and finally fixed it after I had to contact a lawyer. I have spent hours and hours on the phone and have not gotten nowhere, time off work, my wife is so distraught to where it affects my 10-month old, so scared they're going to mess up my credit or foreclose on me for their mistake.

When 5 days had gone by and all the tracking number gave us was that the package data was transmitted to FedEx, I called FedEx to see where the package was and why it had not updated on the tracking web page. The gal there tells me that it can't update because they do not have the package... The only thing that Chase Home Finance did was to print out a label. They did not send the check! Complete morons work for this company! We are now a mere 6 days away from no longer being able to pay it! As of the 27th of October (if not paid) they will auction off the property for the tax amount due! So, we need to take in the obscene amount of money to the County clerk on Thursday the 23rd to pay our taxes when we have already been paying them through our monthly payment with Chase.

We have to wipe out our saving account to pay something that we have already been paying on in our monthly payment on the home. And then we get to fight the county & Chase to get back the extra money that was supposedly sent to the county from Chase. What if we didn't have that money available in our savings? What if the payment couldn't be made? We would lose our home because Chase Home Finance has a bunch of non-caring idiots working for them!

I explained to her I was harassed by Fannie Mae about this same person and finally threatened to call both us senators and my representative and ask them to help remove me from their call list for Dante. It worked - no more calls. So I left the Chase office at Wichita Falls, Texas thinking I was Dante free at last- but no! Another call from the private number about 5:30 pm and another call about 9:00 and she would not identify herself and who she worked for. This is the last straw for me. I have a loan with Chase and will not be seeking a loan again. I suggest maybe my attorney will be contacting your Wichita Falls office. I will also be contacting my Washington senators to see if they can help resolve this harassment.

Well, I never did. In fact, I have just received my bill. Which he said I should not have received a bill for the past 2 months. Well I have bills and asked him if he wanted to go a branch and show them since he didn't believe me. He said in order to get out of foreclosure, I will probably have to pay up to $1600 in attorney's fees. I hit the fan right about then. We were finally able to get caught up with all of our creditors and this with would keep us from getting current. I Asked for the attorney's phone number because if there was an attorney's bill I want to see what they have done because I never received one damn thing from them. He gave me their number. I called and confirmed with the attorney who said they just received our case, that they have not started anything with us or never sent us a letter.

WELL...it is less than a month away from the date this guy is telling me they are auctioning off our house. Aren't they supposed to notify us in writing???????? So by the end of last week, they told us, ok, if you pay $560 in fees (since by that time I have paid our regular bill making us completely current) that we would be in good standing and they would stop the foreclosure process. So we did. Now, yesterday, Tuesday, I get a call from this guy AGAIN... "I am sorry we made a mistake. You still owe us $340 to stop the process"... ARE YOU KIDDING ME???????

This should be SO ILLEGAL. What is going on? How can they just call me and I owe them more money after it was supposed to be taken care of? Why are they doing this? What happens next month? Are they going to this again? I was never notified for any of this. I am so ready to start a lawsuit against CHASE. Please email if you have had a similar situation. This is ridiculous and should not be allowed. But for $340 in FEES, we could lose our house if we don't pay this. We are going to have to pay this, but we are not keeping quiet about this.... People need to know their rights or lack thereof. Our Government Bails these banks out for $700 BILLION then our government needs to know that these banks are unwilling to work with the American people who are the real people that need bailed out. Contact if you want to start a law suit for a similar case. We have contacted an attorney in regards this.

I was three months behind on my house payment and made two of those payments on September 30th. I told them at that time I would call them on October 15th to bring the account current. I received a call on October 1 to make payment arrangements. I told them I had told them I would call them on the 15th and that they didn't need to contact me prior to that. They informed me they could call me whenever they want (which they do....up to 9:30 p.m.). I receive calls every day, to which I respond as soon as they have identified themselves, "Have you read your notes? I'll call you on the 15th. Thank you for calling. Good-bye."

But to address my issues with Eva ... She called me one day at work (they have been repeatedly requested not to contact me at work). I told her to give me her number and I would call her back. She kept trying to engage in conversation, which I could not do because I work out in an open office and I do not particularly want everyone to know my business. After I made the request for her phone number 3 times, I hung up the phone. A short time later, I received another call from Eva (even though I had already talked to her...to the extent I could). She asked me if the receptionist had delivered her message.

Of course, I didn't really know what she was talking about, since our receptionist doesn't really take messages... We all have voice mail. I told her I had not received a message from the receptionist, so she proceeded again to engage in conversation. I told her if she wanted to give me her number, I would call her later. She still chose not to give me the number, said the receptionist had it. I think the whole thing here was nothing more than an attempt to embarrass me at work. A little later, the receptionist delivered a message to me. I called to complain to her supervisor; however, he lets all messages go to voice mail and does not return calls. I think they break 90% of the Fair Debt Collection rules. I just don't understand how they keep getting by with it.

The problem is that Chase mismanaged my account and failed to pay the property taxes, which caused my escrow to be in default and now I have a shortage spread. My mortgage has gone up by $400 due to their incompetence. I was talked down to, as if I were the one that didn't understand what was going on. She wanted to point the finger at the Tax Assessor, in which they had indeed sent the bill, it just wasn't paid properly and now I have to pay for it...literally! Nobody wants to accept responsibility for mismanaging our account. I am so fed up with Chase and am in the process of looking to refinance with another company! I DO NOT recommend Chase for any business dealings!

Aug 19, called again to reconfirm payment amount due before sending. Aug 27, sent payment via Western Union (payment was due Sept 5). Called Chase with confirmation number. Around Sept 15, received legal paperwork about foreclosure from Carbon County Prothonotary office. Called Chase and was told everything was ok that they were going to fax the papers to their lawyers updating them about the modification. Sept 22, received Western Union payment back in the mail. Called Chase and at first they said that they did not receive the cashier's check and then later when transferred someone else said similar and then after being transferred 4 more times they received cashier's check but not the notarized papers which was explained to them were all in their prepaid return FedEx envelope.

Sept 23 talked to supervisor Marcy **. She placed a hold on the acct because she does not understand why the good faith payment was received and the papers were not. Marcy seen in computer that Sept payment was made on time. She also stated that in her computer she had seen the numerous conversations with Chase I had about payments, etc. Marcy said she was sending emails to all the management to see why things are not being documented and why check was received and not the papers. I was told to call back in 48 hrs to give management time to respond. Asked also about the court papers that were sent to me and she stated "No worries".

Sept. 24 Chase says" final word" on the notarized new agreement was that they did not get it. Chase said that they were checking into possibly reopening the loan and sending out a similar agreement for us to sign and return otherwise. Chase said that we would have to reapply. Sept 26 Chase was sending out a new modification agreement overnight for us to sign and notarize. I waited all weekend. Sept 29 Chase acknowledged Friday's conversation. However it's under accelerated review. I have been in contact with representative McCall's office in Lansford, PA. I spoke to a man named Bill who told me to fax my last correspondence with Chase and I also faxed to him my story which is the same as you see here. I had to fax them 2x by the way because the first time the fax was not received.

After waiting a few days, I called back and was told he was in contact with people from Harrisburg who help people in similar circumstances and he said they were going to call me and to let him know when they do. Well they have not called yet so I will call him and have him give me their number. I have decided in the meantime to reapply as it was mentioned to me to be a possibility of having to do so anyway so I figure what the heck. Chase gives me a fax number. I send out 2 faxes from 2 different locations so I do not have hear them tell me that they did not get the fax. Well guess what... They tell me that I sent the faxes to number that does not exist. Ok so I get another fax number and I go to yet again 2 more fax machines and fax.

I call about the faxes and Chase tells me that 2 of the papers were not legible and they tell me to fax them again to another number and guess what number that was... The number that they initially give which I was told was non-existent. God help me. So I go fax again and this time I also mail the papers certified and with return receipt. So as of the moment this is all. I wait and I hope and pray for the best for my family.

We paid our mtg payments every month and on time- we were not delinquent at all. Doesn't CHASE have a obligation to verify and or receive receipts that our local taxes were paid to date? Our property was in jeopardy of going up for sale if the money was not received.

It took this company 2 YEARS AND repeated phone calls to resolve this matter with the local tax office. Part of our Escrow contract states it is agreed they would pay our taxes in a timely manner. However, if they never verified that the taxes were properly posted to our account, how can they justify they fulfilled their part of the contact?

As of tomorrow, I will gain a 30 day mark on my credit. Why is it that one of the largest lenders in the US is able to act in this matter? I have done everything that they asked and they refuse to speak to me. I have spent 45 minutes on hold each time that I have called their Homeowner's Assistance line and still I have no answer/no help. I have also tried to contact them via email and they don't respond to anything! Please help!

Now we are struggling to make each payment and have fallen behind 2 and a half months. I have been on social security disability since 2006 and my husband has been employed by the same company for 18 years. I do chemo therapy once a week as part of my treatment and stress aggrivates my disease so now my doctors have increase my medications because i've been getting worse. We have 3 young children and my husband built this house himself in 1998/1999.

They will not provide us with a payoff amount to close and I am losing the sale of the home due to buyers already waiting a month. They keep losing the request and are very rude over the phone. Title company has asked for last four weeks and myself and they cannot get it together for us to pay them off. What a night mare!

Loosing sale of home plus the equity we would get for the sale. Want to sue and complain but to who

Hours on the phone no resolutions. Their customer service is very good at avoiding any wrongdoing by them. When we did finally recieve the loan modificaiton paperwork, the wanted us to acknowledge that we were in default on our loan. We have made EVERY payment to them. Someone needs to shut this thing down. It is affecting the lives of thousands of people. They never disclosed they were going ot hold our payments and then try and say we were delinquent. All we wanted was to look at the possiblity of a new terms and this is what we get? They were not assigned at the servicing of this loan until after the loan was done.

Time off from our normal lives trying to fight them on reversals of the late fees. They wont release our suspensed funds to make it appear we are late. They are doing this purposely and I am actually physically sick from this. My wife and I have worked for 5 years to have an excellent credit record and they are trying to ruin it for their own gain. We are peolpe who make their payments and have and they are even preying on us.

I found out that that is a big fat lie. I checked with their management company and they use the same appraisal company for both, which is C.A.M AppraisersLTD. I have made numerous calls to no avail. I also found out that other customers of Chase that have paid again for an appraisal to drop the PMI, nothing has been done, they keep charging that premium. We as consumers need someone to do something about this.

In Chase Home Finance guideline form, one of the requirements to drop the PMI is at least 3 yrs. time lapse and/or loan to value ratio more than 20%. i have both requirements met. My mortgage balance is $144,400. My home value is $190,000. Please someone do something about this.

I asked them how to get my number removed from their list and they provided me with a number that I could call, but when I called, they told me that my number wasn't on their list. I asked to speak with a manager the one time they called and the manager told me that to be able to remove my phone number from their list, I would have to provide him with my social security number. I explained that I wasn't a Chase customer, so he would have no record of my social security number, but he insisted that the only way he could remove my phone number was if I were to provide my social security number.

Again last night, after the 3rd call of the day, I called their collections department and explained to them (for at least the 20th time) that I do not owe them any money, I am not a customer of theirs and I really want them to stop calling my house. I have been assured once again that they will no longer be calling me. Time will tell...

Nothing other than severe annoyance and occasionally waking up a sleeping baby.

After spending hours on the phone with Chase, being transferred numerous times, I was told that nothing could be done about the prepayment amount. This company is getting their full amount of the mortgage but are so greedy that they want their extra prepapyment penalty. This mortgage has never been behind on payments, is not in forclosure or short sale. They don't give any alternatives or consideration for their customers.

I will never deal with Chase in any form again, including credit cards and I encourage people to do they same. There are other companies out there who are willing to help their customers unlike Chase.

I am now having to come up with this extra money in order to close on this house. I am on a fixed income and that amount of money being taken away from me for greediness it taking years on my life.

Chase took the $1200 that we had to live on for the month, and because we had no idea they took the money, my wife and kids spent 2 hours stranded on the side of the road with no gas...her debit card didn't work at the gas station because Chase took all our money. In addition they kept me on hold forever, were rude, told me I lied about the Western Union payment and were truly a bunch of low-lifes... Do not do business with them!

I owe two thousand on my mortgage, I am paying it off and will work against this bank in any way possible for their ignorance and blatant refusal to reverse these charges. Online banking was a fit for us at the time, and there were no bvranches in Michigan during this period in question. Advisory!!!! STAY AWAY FROM JP MORGAN/CHASE HOME FINANCE MORTGAGE COMPANY. Use anyone but them for your new mortgage, and if your mortgage is sold to them re-finance with someone else. Another bad Bank is Standard Federal Bank.

Unresaonable costs to senior citizens who have a hard enough time trying to eat and pay for their drugs to stay alive.

Marcia called last week, 8/18/08 and said she had the check in her hand and it was made out in both our names and she was over nighting it by end of the week first of this week. I called yesterday 8/27/08 and found out she lied again! They have lied and lied and the house is ours legally and even the attorney general's office said they were stalling and gave me the numer for the OCC to contact which I have done. I keep them informed of everything that goes on on a daily basis.

It has caused mental anguish and stress having to deal with this on a daily basis. All we want is our $1572 check back. I have high blood pressure and has been up since this happened. Its people like them that caused my mother in law to have a massive stroke that caused her death.

When dealing with Chase, I am so overwhelmed by the people who don't know what they are doing and are trained to be rude that I almost gave up many times. After so much done, we may not get paid and the family will have a foreclosure in their credit history that could be avoided. Economically, both Real Estate agents involve in this transaction for over 4 months will suffer by not getting paid after working so hard. And I have done the whole paperwork myself that comes up to 500 pages and a non-number of hours.

The Cash Buyers that offered more than a reasonable amount for the property are looking for other properties and have no place to live after waiting for more than 4 months to receive a NO in their faces. The borrowers are living with friends because a closing was supposed to happen and they left before the time. Their credit history will be damaged for many years and we know a short sale would damage it for far less time.

I wanted to know who to contact at Chase that could take care of this. I have 3 more cases with Chase and they all alike. They never answer to our calls and only get back to us if we leave tons of messages demanding a response. Please help us Real Estate Agents trying to help stopping foreclosures. Thank you very much

Now do to chase we cannot finish our upstairs and improve the value of our home, plus we are out the money we spent to get this line of credit and the annual fee.

till waiting to hear from the loan mod.

In the meanwhile had gotten seperate notification that ARM would be just over 9 percent! Called Chase IMMEDIATELY about past due amount and asked why it was not addressed, rep referred me to Collections, Collections told me to pay my mortgage current or would agree to split two months payments past due over two months only. Big help! That's paying double mortgage for 2 months. One rep advised me to reapply for modification for late payments, another told me that I am not eligible because I have already gotten one, and one rep told me not to worry Chase does not want my home. I have asked repeatedly for reasonable payment options to no avail.

My husband and I make decent money and have returned to full time work but they will not budge. I have filed for Bankruptcy because I couldn't keep up with creditors and ARM, now Chase won't reaffirm debt unless we pay to be current. Can you believe it? With the economy as bad as it is, they refuse any help, including refusing partial payments. House has negative equity-it would behoove Chase to work with us, but no departments speak with eachother and frankly no one there cares. Perhaps when they go bankrupt and their rude employees don't have a job anymore they will regret not taking hard working people up on their offers.

We contacted Chase Mortgage during the 60 to 90 day

period and talk to countless people and left messages that were not returned. We finally recieve a contract in June 2008 giving us 7 day to comeup with a good faith payment of $ 2720.00.

Me and my wife came up with the payment and sent it Western Union. Chase recieved the payment but misplaced the payment on the account. We had to contact Western Union and Chase to clear up the problem. We resolved the problem with Alfred Agary

a Chase Lost med. representive. Now in August 2008 they sent out a new contract wanting $ 2400.00 for attorney fee and misc. within 15 days.

My wife just lost her Dad on August 1 2008. We are trying to comeup with the $ 2400.00 but after the funeral cost it is hard until are next paycheck.

First chance I was able to speak enough to handle stuff, I contacted them - by phone and in writing and asked for correct amount to bring current AND pay 1 mo in advance. (We're at 4 mos behind now. They refused to respond to requests. Went online to try to put it together - they locked my account. Found out by phone a 2 wks later when I called again trying to figure out what's what and square up, it was in foreclosure. (I have always had a PO Box and this is what my relatives were checking while I was down. Only the weekly junk mail ever came to the house). The foreclose papers were sent to the house - where I wasn't- although all other stuff used to go to the PO Box, they knew I was medically down and having to be cared for AND not home.

VA stopped the forclosure due to my only receiving 1 weeks notice. With market being what it is - home value went from $170's down to @ mid $80's as of today. With all the fees, balance is back up to @ 117. Chase has refused to provide short sale info, calling them is a day's work holding, being disconnected, rude staff that outright don't care, etc. My realtor got short sale papers another way and submitted. 3 offers they've denied - different reasons each time. As of today - its denied because the amount is too low AND they don't have my ex-husband's financial.

They have divorce papers from 9 years ago. I got the house in the divorce. I'm supposed to track him and the papers down with 1 day left before foreclosure. Can't get the lady back cause her and her sup's voice mails are full for days on end. Found out - they have the "drive by" appraised value at $133K. Appraisals are good for 6 months and mine expires the day before foreclosure. Homes in the subdivision are now selling in the $70's. A $90K offer is good - but they won't accept. I happen to be one who had a 6% fixed rate. My mortage was less than 1/3 my take home when I was working. Affordability wasn't the issue. I wasn't part of the adjustable rate problem. But... I'm having to suffer, and Chase doesn't give a crap.

Called VA again, if they stop it again, it will just cost more because Chase continues to tack on fees. WHEN DOES THE GOV'T STAND UP TO CHASE AND SAY NO...THIS SHOULD NOT HAVE BEEN. YOU GET NO FEES FOR THIS TIME FRAME. YOU ONLY GET THE REGULAR PAYMENT AND ANY REGULAR LATE FEES THAT WOULD HAVE APPLIED UP TO THE TIME YOU STARTED THE ILLEGAL FORCLOSURE, AS WELL AS REGULAR PAYMENT FROM THAT DAY TO NOW. If the Gov't did that - Chase would change their tune. In my case, I was told it was in their best interest to deny the sales and try to hold out for a higher offer elsewhere. But it hurt me.... The credit bureaus have shown forclosure since before I was even notified.

It was even noted that If I would have used my disability back pay to resinstate the house, that would have given me time to sell it. Now - if disability is 1.5 times the mortgage, with 2 kids - I would have been back at foreclosure in 3 mos. It made sense to pay all the other people we'd borrowed from for the 1.5 years before it went into forclosure and try to secure a more affordable place with self sufficiency. Especially since Chase has shown me in the 8 yrs of them having my account that they were not out for my interests.

Before everything happened, payments would be sent - but post whenever. I even switched to Westenr Union Quick Collect and still had to argue with them about payments posting a week or 2 late. That's when I finally threatened to file complaints. I told them it had been an issue, but my Western Union papers were proof of when I paid. IF they took 2 wks to post, thats fine as long as they reflect my account to show the actual date they had CASH wired from my debit card through Western Union to them. And don't harass me in the meantime. The realtor working my sale has said it seems for some reason Chase is bent on foreclosing on my house and is trying everything they know - including now demanding my ex-husband be involved and demanding a sale price for the balance owed and nothing less (in this market). Divorce papers not good enough. Tax records showing who claimed the mortgage interest all these years won't work.

This should never have come to forclosure. I should have been able to bring it current, save my credit, and possibly get some of the equity out before this housing stuff sent it falling. They would call, harass, and my biggest concern is once my health stabilizes, and I get the OK - I am going back to work. But...because of my credit - housing will be an issue for me and my kids for some time to come. We were already denied PUBLIC PROJECT housing because of this on my record. I only had 1 Visa with a low balance and $10/mo payment. Even my student loans were current. It is now paid in full. We're already paying much more in everything - housing, insurance, etc.

So..here I am struggling with the medical, struggling to keep my kids (they're actually a help-but still in elementary school) and when I can get and open ended - no interest loan to maintain housing for us - they jerk us around to foreclose trying to get extra fees out of me. My fam was ticked and refused to pay the additional fees. So while I had most of the money - its all or nothing. The amount owed kept changing. I had to contact their lawyer twice to find out what the reinstatement and balance amounts were.

You can't imagine the impact of going from homeowner to throwing away money on a rental. You can't imagine being "constructively" forced out of your home because a big company decides that's what they want to do. THose dealing with Chase and ay sort of late - already know how their tactics only serve to compound your problems instead of help. THeir home assistance is a joke. You have to go through a credit/income requalifying. I, at the time it started had no income at all so you can guess that answer.

The first representative I spoke to said she would take care of it and nothing was done. The second representative I spoke to said he could see where the problem was and would definitely take care of it for me. I then received a letter from Chase stating that they could not remove the "late" payment from my history since payment was not received. I spoke to Chase again today on July 30th, 2008 and was told again that they would not remove the late payment record. I spoke to the supervisor and was told by her that the payment was late but I explained the whole story to her. Still she would not remove it because she said that the payment was sent late as I repeated that it was authorized to be withdrawn out of my bank account.

As I told her, consumers should not punished because of an error on their part. Their customer service department never followed through with the withdraw and I should not have a negative impact on my credit report because of someone else's error. She still said nothing could be done. I feel strongly that companies should be held accountable for their employee's errors and the consumers should not be the ones to be held accountable. I have spent over 2 hours total trying to get this resolved. Any help from Chase would be greatly appreciated. Negative impact on my credit report.

My house is up for sale and my family is willing to pay for my arreages since I have only been making half payments. They will not disclose any information to them and we did a three way call. My attorney has sent letters and they will not respond to her letters either. If a business wants their money why won't they let us pay it. My brother and sister in law have tried to get the information - this is ridiculous!

I can't take this stress anymore and I don't know why this company will not disclose this information to me over the phone!

May 2008 i received a letter from Chase Home Finance, it said that my loan mod was cancled because i never retuned signed paper work..at this time i called HOPE.. I was then setup with a Nicole Dawn (with Chase) I faxed her a copy of noterized mod papers & DHL receipts signed for by a Chase employee on feb 2nd. Nicole told me that she notified supervisor of mod dept and she was told it would be taken care of. Mean while i'm gettin nasty & abusive calls from the collection dept. The just had no idea what was going on.. adjustments were never made. My statements show me behind 5 months. $6k+. but statement shows new rate of 5%..

I lost my job in April.. started a new job in May, I pd Mays pmt in June .. Now I am behind 2 mo. I owe June & July + late charges & thats all, i had to pay property taxed for April 2008, otherwise Chase would have. (Costly)thats also put me behind. I then called Nicole Dawn to see if she could help me with a repayment plan, I also explained to her that adjustments were not done.. she looked at my account and she was surprised.. and said she would email the supervisor again. I was to fax her a hardship letter as to why i need a repayment plan along with letter re: tax pmt. (1 paycheck) on 07/17/08 meanwhile i receive a call from a collector at chase. he could or would not understand what i was trying to explain about the excess charges. i had him call Nicole 3 way.. so she could explain .. i hung up & let them talk, i was on my lunch hour..everythings faxed & Nicole said Chase will fix adj. & review payback plan..

Friday July 25 i call Chase to find out status, after on hold, lost call, voice mail.. i finally spoke to a woman in lost mid..when i asked her my status she told me my mod would take 60-90 days call bk in a few weeks..again i explained I have a loan mod.. after 20 on hold she told me that my file was being reviewed.. could not tell me where or who I could speak to.. just call back next week..

NOW... saturday july 26, i receive 2 notices 1 saod YOUR HOME IS PENDIND PUBLIC AUCTION? recorded date July 22, 2008.. 2nd is a final notice from Lanphier & asso. I never received a first.. this all comes as a shock to me..I DO NOT OWE $6K+. Chase dropped the ball.. i need this to be resolved before i'm put on the street.. at 60yrs old.. for an error Chase has made.

Friday 25th of July my supervisor of new job less then 90 days warned me that i need to focus on my work.. I am makeing mistakes that shouldnt be.. so now i'm worried about losing my job, my home, not to mention just to surive with gas & food, lites, transportation. I have no medical insurance yet,I have chest pain, anxity 24/7, cant sleep,to tired to do anything, i cant focus, depressed & have let my self go..all i can think about is how can they do this to me.. will the take my home just because someone dropped the ball at chase..what will i do? i worked to hard this is my home i have been here 6yrs.. i'm to old for this.

So since that was the case she said well just mail them ahead as we dont get them for 7-10 days.I went to the local post office and they said that it only takes 3 days from here to phoenix.So i knew then it was in there office they just dont get it posted .Well i have been charged before in late fees but this really came to light this month due to a chain of events.This has caused me so much stress and i consider it a type of abuse to keep this up month after month.

I get a cll July 16th as to my payment i mailed on the 11th not being there.I was upset to say the least more stress for a cancer survivor i dont need with my physical condition.I said well i mailed it and i did i took it to the post office.She said well its not here.I said i am so tired of this should i send them return receipt requested and she said oh no i wouldnt do that just give it a couple of days and call again i think it will be here .So what could i do but wait.

I checked with them on the 17th and no at 4 of afternoon she didnt have it so i went on line at ten at night no it wasnt posted and then on the morning of the 18th at 6 of the morning there it was on the account posted..What !! i was shocked to say the least .She had it just didnt post it.Who knows how long it was there and then i get charged late fees for it not being there when it was there all the time.This is not fair.

Now im stuck paying late fees next month for there own mistake .This time i caught them holding it to gain the fees.They even had told me to mail it early and i said i need to have the money in the bank first dont i .Is that not intentionally writing a bad check.I figured the 11th mailing was soon enough for it to be there. giving it a 5 day time frame to arrive.I am very depressed stressedto the max and angry over the unfair treatment i am getting.This is abuse a senior dont need by any means and they dont seem to care.

Im totally depressed and upset all the time now i have physical problems from the cancer i had that stress makes it much worse.I feel it is elder abuse of some kind.

The conclusion of the audit was that I was 1 month behind on my 2nd mortgage but she was to reverse one payment that was mistakening applied to my 1st mortgage as additional principle(my error) and put it on the 2nd mortgage. Thus bringing it up to date. On July 9, 2008 I received a notice of acceleration on both mortgages demanding over $15,000 for the 1st and over $7,000 for the 2nd due in 32 days. My mortgages are up to date and I have the proof (bank entries. I have been disputing these delinquencies since January 2008 and am VERY TIRED and Weary now at age 67. Having a 87 old Mother with moderate Alzheimer's/dementia living with me does not make me feel any better under the circumstances that Chase has thrown at me. Plus living in Georgia (a non-judicial state) where you can be put in the street after 3 months delinquency.

I am now searching for a competent lawyer to insure that my Mom and I don't become homeless through no fault of my own. Consider this a formal complaint. There are many more details to this situation but as I said, I just am very tired now. I have NEVER in my 38 years of dealing with mortgages, mortgage brokers, etc. seen or experienced anything like this. Chase is TERRIBLE!

None yet, but any day I expect something terrible to happen. As it is, I have MANY sleepless nights.

i will never do business with chase again. ever. every time we call, we get the same response: sorry but we don't know when this will be resolved. so frustrating!

we are about to default on our mortgage.

We have been trying to sell our house now for almost a year (it was under contract for two months during that time and the potential buyers defaulted a week before closing). All of the financial advisors we have talked to strongly urged us to call Chase and ask them to work with us to possibly allow us to be able to skip a month or so of payments and then make those payments up at closing when we sold the house.

I can understand their inability to help, but the individuals I talked to on various occasions were flat our rude, inconsiderate and uppity! We have excellent credit, have never been late on a payment, and have been somehow juggling rent and mortgage for a year now.

It's amazing in a time like this how companies like Chase can be so rude! My husband and I didn't go out and buy a home we can't afford. We didn't get an inflatable mortgage. We've made smart decisions the whole way.

I will never apply for a home loan through chas ever again.

We thought we were paying extra towards the principle and instead they kept the extra as interest. Our loan should be paid down alot mor than it is.

We contacted our regular insurance agent and he had never heard of this. My husband contacted Chase and after much holding and different departments was told Chase was looking out for our best interests. We have lived in our town for our whole lives and only had minor flooding a couple of times. It might have flooded some basements, but nothing else.

This is really frustrating because this has almost doubled our escrow payment which of course makes our house payments that much higher. This feels like a scam and I am sure this has affected a lot of people. We do not know what to do, as refinancing at this time is out of the question.

i am losing my home because chase is now saying that i don't qualify to apply for credit even though my name is indeed on record along with my husband's name

Late fees assessed. Credit rating affected.

Stress, embarrassment, humiliation, inflexabilty, waste of time and energy, disruption at work(jeapordize my employment!), stress and concern of my children, nonproductive interactions.

over stressed and I cant keep up with that payment. I owe money to family members.

As soon as we signed and listed with Coldwell Banker, Chase informed us that the loan was not an option (lie) After dealing with 2 different realtors, and only owing about 89,000 on the home that we bought for 129,000 and paid escrow into, CHASE informed me through the 2nd mortgage holder (Michael Suarez) and I quote, I don't care if your home forecloses or not, cause I have 90+ files on my desk He was very uncooperative and never called back. He asked my wife to okay a budget and to accept a proposal and disclosed the loan number to her. She is not on the home as a buyer.

CHASE offered to submit an offer to expedite the quick sale and lied about the amount and I quote again, We usually accept 10-15% of the balance, so if you will agree to $4500. I will submit the loan offer (Michael Suarez) Well, the balance due was approx. 27,000 and I believe that 10% is 2700. and 15% is still less than $4500. I am outraged!! CHASE would rather lose an offer for 112,000 and accept an offer at 102,000 or less. I really believe that they are waiting for a foreclosure? A couple looked at our home and discussed having knowledge that our home was going to foreclose?

CHASE LIES and HURTS HONEST HARDWORKING MIDDLE CLASS AMERICANS! This is an embarrassment and a huge set back to anyone who is trying to live the American dream of home ownership. CHASE is in 60 countries and there is no continuity between any office or department.

Anyone that is interested in filing a class action lawsuit can contact me and I will be happy to do whatever I can to help. I am already prepared to contact my State Congressman and have emailed government officials in Indiana

Over 2005-2008 for every pre-payment amount I had to call the Chase mortgage group and they had to open up a work order in order to apply funds correctly. This added 10-20 minutes of my time in dealing with chase every month. In 2008, after dealing with Chase for 5 years on this 20 year note I decided to retire this note. When I asked about a payoff I was given one number + the daily interest amount, then when I called to confirm the final amount a new number with an additional $320 was presented. In discussions with Chase it took them 3 days and 3 people to review the account it was determined that the account was 'messed up' and interest poor and therefore I owed $320 in interest since they mess up the account in 2005. I was forced to make this payment in order to close the account.

I have had many discussions with Chase at the local level and executive resolution group. The person that I have dealt with at the executive resolution is Melissa Reed. She initially stated that she saw the numerous errors and problems with the account and that Chase would work with me to recover the $320. Here it is a month later and she is offering me $55.12 as a refund of overpayment. Adding insult to injury Chase wants $20 to close out my Deed of Trust. I have scoured my loan agreement with Chase and nowhere do I see a fee for Chase not to withhold my deed of trust.

I maintain a large sum of money in savings and investments with Chase and have seriously questioned Chase's ability to manage my investment money if they can't manage a simple interest loan. Word of warning with Chase (and any other lender), make sure your prepayments are being applied appropriately. From my impression with talking to Chase people this issue is across the board and chase is making millions by misapplying lendee's funds.

I would not recommend them for home mortgages and I am in process of refinancing my current mortgage with another company that cares about their customers. will refinance and get away from Chase

SO the closing was delayed Chase was advised even said it was not a problem but gave me a bad mark on my credit report of 30 days late. I have no proof of there statement but you would think that since they got full payment and out standing payment record for for the time of the loan also showed paid as agreed closed paid in full. I think this was unfair treatment on there part yet there is no way to defend my self even tried to get the credit reporting agency to investigate and that was a joke. This over all information hurts me from getting good low % rates.

Called Chase's Reconveyance Department AT LEAST a dozen times, each time getting a different person. To say their customer service skills are lacking is an understatement. If I treated customers like that in my line of work, I would be fired. But these people could care less if you get what you need or not... it's not THEIR loan anymore, so why should they care? Every time I thought I was getting somewhere I got something in the mail from them stating they could not process my request for the Satisfaction / Release Document because they needed additional information from me -- i.e.: the legal description of the property (uh, hellooo??? Did you not have the mortgage on the house? Wouldn't that be in the files?); and other things like that. Frustrating? You bet!

Every time I talked to a 'customer service agent' - that title in itself is a joke - I'd get questions like "why didn't you tell us about this before?" and "how do you know it's OUR problem?". Not to mention four days of them FAXING to my home phone, even though I called them numerous times and gave them my office fax number - I don't have a fax machine at home, but my answering machine was filled up with fax tones when I got home from work every day. FINALLY I got a woman (Thank you, Kenya) who actually was helpful and looked in the file (novel concept, I know) and saw that the original release of lien was inadvertently mailed in 2003 to the recorder's office at the County of LOS ANGELES instead of the County of SAN DIEGO. (Again, they held our MORTGAGE -- you'd think they'd have the correct COUNTY in the file, right?) Kenya assured me they'd recreate the document and Fed Ex it to the correct county agency. My bank asked then if I could have the document Fed Ex's to THEM instead, and they'd walk it through the recorder to expedite the process. When I called Chase back to ask that the recipient address be changed, I was told by YET ANOTHER person - this ruder than rude person called herself a "Team Leader" - that they would NOT Fed Ex the document unless I provided them with a pre-paid and pre-addressed envelope! Again, WHO MADE THE MISTAKE BACK IN '03? Not me, I can assure you of that.

Oh yes, Chase Bank, you can be sure that I've told anyone who would listen - any many people who would not - what a bunch of dunces you are. Your customer service SUCKS, you waste my hard earned money on employing idiots who are terrible at their job and don't take their jobs seriously. You can be sure I'll be cancelling my Visa card because I will never be giving my business to Chase again, ever. When your bank goes down the toilet, don't point fingers at the economy, you have only yourselves to blame. You've gotten too big to pay attention to what goes on within your company. Reading the posted complaints from other customers makes it painfully clear.

I had all of my paperwork in and completed within the first week after the purchase agreement was settled - the purchase agreement was dated 5/6/08. Chase never contacted me to notify me of any progress being made on the loan. I had to call every time and ask questions or I was not given any information. Since the house is a short sale there we have a small window to get the loan commitment - the other bank wanted to close by 6/10/08.

I called last week and was told that the loan was not back from the underwriter. I called all day yesterday (5/29/08) trying to get someone on the phone (which is not easy as they never answer to phone, never return calls when you leave a message and their voicemail boxes are usually full) and did not get hold of Joe M. until late in the afternoon. He proceeded to tell me that he had JUST THIS SECOND gotten my loan back from the underwriter and had it in hand. And that the loan was denied. The reason that I was given was that I did not make enough money to cover the debt to income ratio.

When I explained that this is why I had my father co-sign the loan, I was told that since he is a non-resident co-signer they look at my debt to income ratio. This is completely absurd and the entire reason why I had a co-borrower in the first place! Why did they bother giving me a preapproval - just to steal the $395.00 application fee? And if the loan had gone through I would have had an extremely high interest rate of 7.375%. It's a win win situation for them. Basically Chase is looking to profit from individuals by offering preapprovals when they know that they will not be accepted for a loan in the first place.

It is now less than two weeks before I have to close on the property and I have been forced to work with a private mortgage broker. If I do not get a loan in time then I have wasted $395.00 on the Chase application fee, $499.00 on an engineer's inspection, $1178.00 on homeowner's insurance and I will not get my dream home. All of this could have been avoided if Chase Mortgage was reputable. My credit is impeccable. I have no outstanding loans, I've been at my job for 14 years, I previously held a mortgage for 4 1/2 years with Citimortgage, I intend to put down 25% and have never defaulted on a loan. I would have been able to pay the mortgage offered (as high as it was because of the hiked up rate) because my husband also has an income - but of course they refused to acknowledge that he even exists.

I have been trying to contact ANYONE at Chase all day (5/30/08,) have left messages and cannot get through and have not received a return phone call to my messages. I am trying to get a copy of my appraisal since I will have to pay to have another one and I have already given them $395.00. I fully intend to close my three Chase accounts as a result of this transaction. I have lost $395.00 to Chase for their application fee. I will have to pay for another appraisal if I cannot get anyone to answer my phone calls.

this february they make a new escrow account taht will collect $11904 for the whole year, i already cancelled the forced flood ins but as a result my mortage payment went up $450,right now i'm trying to refinance to cut that escrow account and my credit wasn't that bad, 660 beacon score when they started,right now is at 635,they made me open an account with them so i can keep the rate that i have at 6% and i'm late with the payment because i can't afford that new mortage payment but they're delaying the closing giving me any kind of excuses,

i owe $ 163000 in my home and it appraised for $ 290000,i paid them the appraisal and it looks that they're giving me no other choice than to pay or sell my house other wise to refince with another companny will take a lot more time and money,wasted time, this is the second time they forced insurance policies to my escrow account once because of my lack of time and ignorance.

i was paying twice insurance for 8 months and i had to stop making payments to others credit cards so i could pay them that's the reason why i refinanced before with them. my credit was destroyed once and i'm taking a beacon score drop now, i'm sleep, can't perform at work, i got high blood preasure, can't afford one car payment because of their fault and it's already behind one month,please help

I ended up in foreclosure with nobody believing that I was being ripped off until after I was forced into a $40,000 bankruptcy. My brother started paying them for me out of a trust account set up through his law firm. It has since been determined that THEY were in error, but I'm still out 40 grand.

Along with other economically and medically damaging results during the Katrina year I had to file bankruptcy debt consolidation. You can't wipe out your mortgage arrearages in bankruptcy so I agreed to pay it in addition with my regular mortgage. Second problem, CHF sent information to the courts stating my regular mortgage payment was $212.00 more than what I was paying. The court went by what CHF attorneys sent even through I fought like I was in aone man battle in the greatest war ever trying to get them to see that the amount was wrong.

My attorney never could get another meeting with CHF attorneys because they kept postponing the dates and when they showed up the attorney did not have the all the documents it was postponed again. In the meantime I still had to pay because the court was taking it out of my pay check. I was paying CHF each month $1,626.68 before all of this happened my mortgage was $1,170.00. This continued approximately one year and a half until I asked to be dismissed the from bankruptcy court I decided to pay my other debts myself.

That's when the Third problem started. After CHF was notified that I no longer was in dedt consolidation they sent me a letter stating that I owed them almost $14,000.00!. How can I owe this much when I been paying through payroll deduction a year and a half. I could not get anyone to explain this or understand my account. They transferred me to every department in that company. Its like the representatives only knew how to do "verification of the caller" routine, no one understood what happened.

Now the Fourth problem, the war has intensified, I can't send a regular payment they would have to send it back because I need to pay $13,898.00 to bring it current. Why would I have to pay this when no one could explain it. Thirty days later while fighting this I was sent me to foreclosure. Take in to consideration I have no job and did not know what to do. I'm already having to live off of a little pension money I got from the company where I used to work.

I wrote letters to everyone including FHA-HUD, I cried to these people, I screamed, I pleaded to no avail I had to come up with this money to keep my house from being sold through foreclosure. This exhausted about 3/4 of my pension fund that I was living off of already. Their explanation was a print out from their system's screen that you would have to be trained to read and understand it. They couldn't or wouldn't go over it with me. They acted as if they just wanted me to leave them along and go away.

Fifth problem, after getting my house out of foreclosure they charged me attorney fees and late charges which one representative said she would have them waived. "Not", they are still there. They also still have my regular monthly mortgage higher than my fix rate of $1,170.00. I'm getting sicker health related each day from this. I'm having to take anixety medication, anti-depression, high blood pressure, muscle relaxation and nerve medicines.

Two weeks ago I talked to a representative of CHF that took time to look at the account and noticed what I was telling her that my principle amount was wrong, my insurance premium they showed was not what my insurance company had, my property taxes was wrong. She told me to fax all of these documents to her. I didn't get her name but she had more knowlege than any of them at CHF and I bet you she is just a low paid rep that no one at CHF would give her management position.

This was great but however there is a Sixth problem, CHF correct a small part of the problem but is still looking into the rest. They said the research department it would take about 10 days. I has been more than 10 days I have not heard anything nor can I get into my account on line. What is going on with this company and WHERE IS MY REFUND FOR ALL THIS MONEY THEY OWE ME. I AM DUE A REFUND. This company is trying to force me into foreclosure and the FHA-HUD is sitting back scratching their head confused about it and ignoring me too.

Please print this to the world. This country is talking out of both sides of the mouth, one side they're saying there is help for the people who was faced with a disaster, but the other side is saying these corporation can do what they want to you. Unfortunately for me, my funds are low and in my state unemployed benefits is only $210.00 a week. You can only get up to $5460.00 a year. This is sad. The consequences of this caused financial hardship and physical damage such as anxiety attacks, acute depression and caused my blood pressure to rise higher.

Chase is now saying we do not have enough money in escrow to pay all the taxes and started spilling off other payments that come out of our account - some of which I have never heard of. It has been 3 hours and we are st Can someone please help??? At this point, Chase should be paying my taxes out of their pocket! My husband and I have paid everything we were supposed to. We had the funds in escrow at settlement. Where has that money gone?

Chase is now telling us, almost 1 year later, that the taxes are OUR responsibility and we need to pay on our own...excuse me, WHAT? then what is the point of escrow? the rep we talked to 30 minutes ago said they would pay the taxes, and then we would have to pay chase back.... I feel physically sick right now. No joke, I may have to go to the hospital.

This has been going on for over a year, and they have damaged my credit by reporting this to the big 3 agencies. I am at a loss as to know what to do, nobody seems to care that this is causing so much consternation. I think I need to borrow the supposed amount to get this to go away in case they steal my house. But what would be the chance of ever getting that money returned? Thank you

Damaged credit and enormous amounts of wasted time dealing with this issue

I spoke with Myrna on 4/28/08 who said she would see to it my taxes would be paid and would call me on May 1. I double checked that she had the correct phone number. She verified she did. I received no call. I have left several messages with Mr. Martin and Mr. Komeer requesting phone calls explaining the delay. I have received no phone calls. I have spoken with Andrew, ELia, Lakindria, Lakisha, Kenya, Glenda, Myrna, Andrea, Shirley, Joey, and Marlin in the Phillipines. I have spoken with several of these people more than once.

Why are my taxes not being paid? When will they be paid? I am in danger of losing my home because you have not met your fiduciary responsibilities and contractual obligations. I am going to Chase headquarters here in Chicago tomorrow morning and speak with someone about this. If I do not get satisfaction, I will get the name of the person in charge of mortgages in New York and go speak with him or her.

There are penalties added to the mortgage payment each month they are not paid. I am in danger of losing my home if they are not paid. Why are my taxes not being paid? When will they be paid?

I will just go elsewhere even if rate is higher. They have lost my business FOREVER

The amount due to me is over 20,000 dollars. In these tough times I could lose my home waiting for a response.

We have asked for some funds but Chase requires invoices; orders; and may require an in house inspection to see if we are at 50% repair completion. That will be next to impossible, since Chase has not released funds to purchase kitchen cabinets; kitchen cooktop; sink and faucets; microwave; etc. As a result Chase is holding on to $20,000.00 of money paid by the insurance company to us for the damage. I have sent over 10 letters to Chase regarding supplemental checks paid to us; documented paperwork Chase requires and still no money released to complete the repairs.

Since August 2007, we have lived in a house that has a bathroom completely torn down to bare walls; bare floor; no vanity/sink/faucet and no use of shower. The kitchen walls are bare drywall-no paint or wallpaper; no curtains or window treatments; boxes of hardwood flooring in our living room and dining room waiting to be laid in the kitchen whenever the contractor can get in to take out the damaged flooring; kitchen cabinets; appliances; and replace the floor with the new hardwood floor; kitchen cabinets; and other items necessary to live again. Every time I call the Loss Draft Department, I get a different person who tells me the same thing only in different terms. The hoops Chase wants you to jump through make it insufferable and they so not really care if you need the money or not. They have it and they don't want to give it to you, even though the money is ours to repair our home.

The consequences of Chase's Loss Draft Department's despicable actions are, we either have to borrow money to complete the work in order to have Chase release OUR money, or we have to sit and wait until Chase feels good and ready to give us OUR money. We have a contractor who is waiting to do the work but has canceled numerous times, since we do not have the money to pay him to start the major repairs. The emotional damage is worse. My wife cannot stand the condition of our house; she cannot clean the dust; debris; etc. She baby sits for our grandchildren and the conditions make it more difficult than necessary. The money Chase has is OURS from OUR insurance company and Chase should release it to US so we can, after 8 months, bring our house into normal living conditions.

I ENDED UP IN EMERGENCY ROOM WITH A SEVERE ANXIETY ATTACK, THOUGHT IT WAS THE HEART, I AM A VETERAN AND USE THEIR FASCILITY IN LEBANON, PA.... ON ALL KINDS OF MEDS, 63 YEARS OLD, NO SLEEP, PEOPLE LIVE HERE ELDERLY, WE ASKED THE LAWYER FOR CHASE WHEN IF NO AGREEMENT MET, WISE REMARK, THEN YOUR PUT OUT, AGAIN WHEN.... IM SEE A MILITARY LAWYER BECAUSE CHASE IS THE FOURTH MORGAGE COMPANY TO HAVE BOUGHT THE MORGAGE, AND I NEVER MET OR DISCUSSED THE LOAN...

I notified my lender from Chase, she told me she is going to do something, she did not! I went all year 2007 charged each month for late charges after so many requests, with proof, and still I am owing more than 6 thousand dollars in late charges and they are not willing to help.

Last year in October 2007 my mortgage payment increased in 900 dollars from 1 month to the next one and I submitted a modification (50 pages fax) and I just got approved after 5 months. On February 29th 2008 for closing the modification. Chase asked more than 6000 dollars in order to be approved. I paid the amount, that includes until march 2008, now they told me that I am late because I haven't submitted march payment. I am so tired dealing with chase. I spoke with a thousand supervisors and they are very disrespectful with the customers. I am so tired with the way I am treated from chase. Please help me. I can't keep paying and paying and they never settle things correctly.

I have to use my 401K saving to deal with chase and I have to pay high cost of taxes because of this problem.

This costs a day to transfer from my savings to my checking before I make the Home Equity Loan Payment. If there is a problem I could be charged with the transfer insufficient funds if the payment goes before the transfer completes. No where do they say one cannot transfer from Savings to Home Equity Loan accounts.

I can barely make it on my disability check. The court takes $765, and all I get is $975 leaving me with $210 a month to live on and pay my bills. I've been in bankruptcy for 4 years, and only have one more year to go. By the grace and help of God, I've made it through this totally unfair and unnecessary--as well as illegal, hardship.

We were forced to move out of a home that we paid all late payments on. We paid what they wanted us to pay; and they still turned on us, and sent the money back instead of giving us a chance

We are not rich, and Chase refuses to back down from their position. They called my local tax office and asked them if the money was not owed the day the water lines were installed. Of course it was, and now I am out of my money. I have paid all my fees. I am even 2 months ahead on my payments. I am trying to refinance. The customer service tells me a different story every time I call. One person told me I had to speak to the escrow department, and the escrow department was closed for the day. I was told to call at a later time. I called the next day to pay the ESCROW DEPARTMENT AND WAS TOLD THERE WAS NOT AN ESCROW DEPARTMENT. What do I need to do to get this over with? I have cried, prayed, begged, and still to no avail.They still get to cheat me--and act as though they have done no wrong. I appreciate any help you can give me.

Forced Escrow, many fees that were not truthfully owed, tears/stress, time, and worst of all our credit scores have dropped dramatically.

This has caused me much STRESS.

It has damaged, ME! I am stressed, depressed, sick and tired of this pressure with CHASE!

I am forced to pay more for unneeded insurance.

Every week or every other week I have been in contact with my credit union agent as he calls and talks with Chase agents re. why they have not credited my account. Last week I finally talked to a sympathetic agent in (Louiiana) working for Chase who said their investigation department was in receipt of my check front and back which showed it had been cashed by Chase. He instructed me that my credit union didn't send a bank statement showing the 'rolling balance.' He instructed me to send this to a fax number 6149613871 to CAC Reasearch OHIO. For two days my computer tried to fax to that number. Never received. I called Lane in LA, and I sent him a copy of the Nov bank statement in an email. He has told me that the research department has been instructed to expedite my account. I am still waiting for Chase to credit that $641.93 payment, cancel the late fee, and send me a 2007 tax statement showing mortgage interest corrected to reflect receipt of the Nov. payment.

Chase shows me late for the current bill as they applied the December payment to Nov., January to December, and February to January. I guess I am lucky they charged me only one late fee. If this is not credited asap, my income tax return can't be computed. I am physically stressed over this, and it is possible that my perfect credit rating has been damaged.

Well of course, they didn't; they paid the first one. I called them back and told them of this. They then paid the second amount. So now my escrow is negative because they never refunded the first one, and they say they are waiting on the county to refund the amount; but I have confirmed with my county that they sent the refund to First American Real Estate Tax Service. (This is a tax servicing company that Chase and many other mortgage companies use for handling taxes.) They sent this the first of January, and a month later they still have not processed the return. Now the really stupid part comes in. Chase has now done an escrow analysis with the escrow still not credited for the first tax payment and is trying to raise my payment from $1683 to $2200.

I called and they said they would extend my existing payment another month until the refund got processed. I can almost guarantee they are going bungle this, and my account will get hit with late fees. I have no confidence in this company, and I think it is wrong that a mortgage holder doesn't have the choice on who services his/her mortgage. Due to the amount of problems I have had with this company I'm cancelling my 2 credit cards that I have with them and am considering refinancing in hopes that I won't end up with this disastrous company again.

Chase owes me money from the payoff. My credit is ruined.

Then we got down to the appraisal. After I got my good faith estimate, I was asked if my house was listed. I said it was 7-23-07 to 1-23-08, and the date I started to refinance was 1/23/08. Ed, the loan officer called me and stated he couldn't okay the loan because my home had been listed. The $395.00 that I had paid was non- refundable; so they stole my money, and my nexte house payment is due.

Can't describe the stress this has caused, the embarrassment, humiliation, it goes on and on.

My credit is now horrible and I'm not sure what I'm going to.

November 28, 2007 we received a phone call from Central Credit Services stating we owe $9111.18! After researching this we found out that the man who was mailed our information, used the ss# to open a credit account at Menard's and was making payments on this account until he defaulted, and it was bought by a creditor and it was in collections. We now are educated in Credit reporting and have received all 3 credit reports! We didn't know that our credit report has foreclosures, repossessions of vehicles and chapter 7 and 11 protection on my husband's credit. Chase Home Finance was negligent in sending this individual our personal information. We used to have impeccable credit, the best you could have; now we will be lucky if we can buy a cookie on the side of the street with our credit!

We are trying to fix this ourselves but we are not sure which avenue to pursue. We would like to speak to an attorney. We have contacted Chase Home Finance and have spoken to their Legal and compliance department, however they are not willing to fix our credit and resolve this matter, that they are ultimately responsible for! Thank-you for your time in this matter.

It has ruined our credit. I have spent hours upon hours researching, writing letters and having to educate myself to try and have this matter resolved--not to mention the stress that has been placed on our marriage, and our children have been receiving less than their fair share of attention with homework and school activities! We have stress beyond stress and this individual will FOREVER have my husbands ss#!

My attorney basically abandoned me and would not file an appeal or help me in any way. This attorney had sent a letter soliciting me when Chase immediately rolled my mortgage into foreclosure after I had completed my Chapter 13. I have been told that this attorney was probably working for Chase all along!!!

About thirty (30) days later, after I could not pay the attorney fees and other fees they had unaccoutably charged me, they FORECLOSED ON MY PROPERTY!!!!!!!! My property was sold at the foreclosure, but in reality it is a wrongful foreclosure. This company had no respect for my questions and complaints, judges orders, or the law.

We rented the house for a year then re-listed the house. We found no buyers. We even tried to do a short sale but nothing surfaced. We started getting behind on our payments. We asked the bank to work with us on lowering the payments or interest. Nothing. We then wrote a hardship letter, no response.

We called the bank and were told to be patient, it takes two weeks for a rep to be assigned to the case. We called back two weeks later and we were told a rep was just assigned that day and to wait two weeks before calling back. Two more weeks passed, we called again and were told there was no rep on the account and to call back in three weeks. Meanwhile our house is going through foreclosure.

As of today, no assistance, no help. We are willing to work with the bank, but the bank is ignoring us.

Our home owners insurance is due within a couple of weeks, which should have been taken care of by the refinance as well as the second half of our property tax. Needless to say both of these are in jeopardy if we do not close soon.

Truth is it has happened to me, and the case was recently closed because a document that was requested from me by the judge handling the case, was filed on time but disappeared from the Clerk's office of Dekalb County and the case was closed. I refiled the document after going home to get a copy, and received the letter closing the case two days later after refiling the case. The letter stated I had not met the judge's request. Clark Howard, a news reporter in Georgia, did a special on a news broadcast around August of 2006 about mortgage companies stealing properties and featured Chase Bank, Wells Fargo, and Washington Mutual. I have experienced a lot of the same complaints I am reading on this site since getting my loan with Chase that was originally with a company called National Lenders. If there is a class action lawsuit against Chase Bank in the near future, please throw my hat in the ring. This is one institution that is growing by using predatory practices and needs to be addressed powerfully and aggressively.

They have somehow teamed up with my bank, Security Service, and they hold checks. They are trying everything in their power to make me refinance, but I'm not going to.

The interest is not being reduced. Chase is overcharging me an additional 2 weeks of interest per period while collecting interest on my money for that period of time. Interest has only decreased by 20-some dollars although the principal has been reduced by $10,000. I'm losing the interest that would otherwise accrue on the money I send Chase on the 15th if it stayed on my bank account.

In December, 06, we received a letter stating we had completed the program but were 4 payments behind and if we didn't pay in 30 days, they would foreclose on our home. I called, spoke to 12 different people who could not help me out. We retained an attorney in January of 07 & to this date have not been able to resolve the problem. We have been making our mortgage payments to our attorney who is putting it in an escrow account.

This has ruined my credit due to them not posting my payments as they should, and I have had to Stop-Payment on my last 2 house payments because they are still floating around somewhere. They say they have not been received. They want me to pay it over the phone, except now they want all past-due payments that they have screwed up, plus another $1500 in attorney fees, plus another $1700 in more ridiculous charges.

I have been trying to get my home refinanced. Three mortgage companies have told me I need this removed from my report. What can I do, as Chase has sent me 4 letters saying it is not a Chase error? They are not getting it. They keep sending me form letters saying it is not their error.

Now, I need to come up with approximately $8000 to start a payment modification plus pay $900 on top of my mortgage payment, plus attorney fees. They told me that my loan was being referred for modification in August and I was to be sent paperwork. I never received any and let Theo know I had not received it. He kept saying it had been sent. I finally received the paperwork on October 4, but he letter was date August 24! Prior to getting the letter, I talked to someone that told me what to send in for modification.

I immediately sent what was requested. Today, October19, I called and talked to Peter who supposedly is taking care of my modification. He said I was #20 in line so it may be 2-3 weeks before he gets to it. I don't even know if what I sent in is sufficient to d the modification. There is a sale set for my home in February.

I am under so much stress do to not having a job for 5 months. It was the 3rd downsizing in 5 years plus going thru a divorce. My savings have been depleted. I am not a dead beat and I want to pay my mortgage but Chase is making it so diffcult or me to do so. They keep adding more and more fees, attorney fees on top. I fear I'll be homeless and will lose my job again due not having a place to live. I need someone to help me thru this nightmare. I've heard so many horror stories about Chase mortgage and now I see they are probably all true.

I am converting my loan to a home equity loan with another lender. I am also planning to establish a website for people to advertise their experience with Chase Mortgage.

Had to use my teacher retirement money to pay for rebuild. Had to take out another loan to pay for the rebuild. Can't understand why Chase has to sit and hold all of our money.

I had to go to my local credit union and borrow the additional 1.187.49 and send them another check for the amount of $109,475.64 even though I didn't owe this amount. I hope and pray they will release my deed. This company are crooks. I called Chase several times telling them I didn't owe this, all they would say is you are being penalized for paying your mortgage off early.

Ruined our credit so we have no chance of refinancing with another bank. BLACK BALLED.

Chase has negatively reported my account as delinquent. Chase has charged me for homeowners insurance that I had been direct billed (and paid) by the respective insurance companies.

My credit is damaged. I have paid late fees I never owed to try and get them to stop sending me these letters. I blamed my wife for screwing the house payments up but I have been handling that issue for about a year and we still have the same problems. I need help to force this bank to stop the late fees and be responsible for the mistakes currently and in the past.

Wasted a month and out $390. I am upset they called my employer to verify employment I supplied all my financial information what a waste.

I could not find a job and things got really bad around here, so we had to file for Bankruptcy 2-3 months ago. Anyway, we were unable to pay for March 2006 house payment. I mailed the check into Chase on the 13th of April and called them on the 19th and was told that they have not recieved my check yet. I was told to give it a few more days then call back. Well, Saturday the 22nd, we recieved "Notice of Motion for Relief From Automatic Stay" that was signed on the 21st. So, now Chase wants to take our home away from us after all we have been through. You see, I have been calling Chase explaining what was going on. Finally, praise God, I have a good job now and soon will be able to pay our bills on time. Chase should work with us to keep our home -- Not take it from us!!!

Chase Manhattan has now repeated the same scenario now that we have just finished the bankrupcy. Payments went to them and they claim they weren't received when the military has said they have mailed Chase all the payments. We are supposed to have 7,000 left on our mortgage and they have the mortgage principle at $10,000 since Sept. of 2005 not minusing the payments which were sent from the military. Our mortgage is said to be paid up on Dec. 2008. It looks like Chase is playing games with the money either claiming they didn't receive it,posting the money late or holding the money somewhere in their company. By doing this interest and late fees accure and we get put into foreclosure again by no fault of ours. Our lawyer has told us there are many with Chase Manhattan who have had the same problems exactly like ours.

My escrow account is showing a shortage due to them taking that money out of my account to pay taxes that had already been paid out by my builder of the house at closing. I even got my County Tax Commissioner to send me proof of tax payment for the year 2004 and I have that, which shows the builder paid it. I have sent a certified letter to a Manager-Jennifer S, who in turn, gave it to Marlena H in Research.

Neither one has done anything to get in touch with me or send me the corrected escrow account. I have done everything possible to get them to correct their own error but to no avail. I even have a letter from them stating that they took out the money for 2004 taxes but still expected me to send the shortage of money to them to bring my escrow account up to date.

Despite HOA, insurance compay and myself send multiple copies of the policy and motgage agreement they felt the need to take out another policy anyway. I now have to pay the differance until they get the refund from the forced place insurance. 9 months? My payment went up almost 400$ a month equaling 4k+ a year for redundant insurace policy on a 150k townhome.

Every month my statement reads I'm behind a month and last months payment is being held in suppense account because it's 'short'. Every month I recieve letters stating 'accelerated forclosure' along with harrassing phones calls demanding payment. Every month my cradit takes a hit because Chase insists payment is both late and short. Every month brings several heated phone calls at which time every single person I've talked to (well over 25 phone calls) tell me they can see 'the problem' and will order a new escrow analysis, yet it never gets done.

Asking to speak to a supervisor results in either refusal or a voice mail that never gets returned. 9 months I have been hearing the same song along with assurances and garantees it will be corrected and a refund will be sent. If it wasn't such a good loan I would refinance it tomorrow. Well, it would be a good loan if chase was forced to keep to the original agreement. I will NEVER willingly do business with any affiliate of Chase Manhatten ever again.

The person at that address forwarded the paperwork to me with a letter explaining what had happened. He phoned Chase and informed them of the error and then stated in the letter that they didn't get too excited over it. Why am I recieving my Release paperwork from somebody in another state and have yet to hear from Chase on this?

The release states that the paperwork was sent to the County that I live in to keep on file (god only knows which state that they sent that one to). I can not believe the insensitivity of this company to not resend the paperwork.

One was showing the right date and amount, the second was due only two days after I received it and the amount was different. Don't you think that if something were this messed up and the customer had called many times, that Chase might look into it and find out what happened? Nah, that would be too easy.

The most recent thing that has transpired with Chase that I also have read in many other posts here is the delay in receiving my payoff amounts. I have my current house sold and plan to close on the 28th of this month. I called in and asked for Chase to send me the current payoff sheets for both of my loans, I have never seen them yet. I called up and was talking to a lady named December, who is extremely rude and very demeaning to customers. I explained to her that I had called in weeks before and asked for the payoff sheets to be sent to me and she told me that the computer didn't show anything of the sort and basically called me a liar.

I was able to claw my way up the food chain at Chase and was finally able to talk to someone who knew what they were doing. Problem is, I close on my new home on the 1st of March, which is also the day that the payoff sheets are suppose to hit. I am not putting any faith into what this company says, they say a 5 day turnaround time for these payoffs to be issued out, we will see if this happens. You can't talk directly with anyone in the payoff department and are at the mercy of a fax machine to get your points across to them. With todays technology and customer service being the main priority, it just shows how much they care about their customers. This has been an absolute horrible company to deal with and I will never use them again for anything.

I have requested several times that my bank send proof of payment to Chase - and they have complied and Chase always responds with "this may take 10-14 days to research". In the mean time I am called and harrased by collectors asking me where my payment is. I have written a letter to Chase asking that they STOP these harrassing calls immedicately but they have not.

I have since requested my own copies of the bank transactions from my bank. My first "please wait 10-14 days" was on January 14th 2006, today is February 19th and I have tried to call Chase to ask the status of their investigation only to be told that they JUST received the information and that I would need to wait 10-14 days AGAIN. I am at a loss as to what I should do next. Calling and speaking to a different person in customer service only brings out the different types of customer service that is offered at Chase and a waste of my time as each person needs to read through the notes. In the end, I get nowhere.

Not only did Chase charge us the $500.00 forbearance fee but late charges on top of that and in addition reported us as being three months late on our credit report! My first point of distress is that I called Chase and attempted to work out a problem and the so-called “homeowner’s assistance” department who should “assist” the homeowner and not seize upon an opportunity to make the problem even worse. Instead of getting relief from our budgeting problem they ballooned our problem from $1171 to $5072.

If there is a $500 charge for a “forbearance” why are they charging late payments and why are they reporting the forbearance period as late? I would have been much farter ahead to simply skip a payment and allow it to run late for the period of the loan. I sent them $1250.00 for the February 1 payment when they failed to contact me in a timely matter regarding our payment status. Chase has refused the $1250 and they say it is being returned because they want the full $5072 in one check. That means that the February payment will also be late and because they made us four months behind on payments they can start foreclosure proceedings on our property! Fortunately I got the money to pay them off the forbearance charges at the Credit Union that we bank with.

We are also refinancing our mortgage through them. When a customer calls Chase customer service the customer’s concerns are never addressed. When we were at the credit union we called to get the payoff and got the same runaround as Joseph of Southfield MI (11/27/05) did in his letter. Even a phone call from the credit reporting Experion had a difficult time getting the information. (Chase never put the information on our credit report.) Richard, Sparks Nevada

My bank even set up a conference call with Chase and all I get is "it will be turned over to the research department." It is now February 1st and I am again getting calls that my payment late. The collection agency called me twice today. I can no longer get through to Chase to talk to anyone because the call goes directly to the collection agency. I have written a letter but I feel the only way to get resolution is through litigation.

My federally declared zip code qualified us for the deferment even with out the catastrophic damage to the home. I spoke with representatives of Chase on at least nine different occasions (date, time and names of representatives can be provided upon request), each time inquiring about my loan and how it would affect my standing and credit. Each time I was assured that the agreement I understood with Andrew was unchanged; I should resume payments in December. My last conversation with Chase prior to calling to make a payment was November 28, 2005. When I called on December 5, 2005, to make my December payment, Chase representative, Erica, told me that on November 1, 2005, Chase had decided not to honor the deferments. I was told that I owed four months, due now, and that if not paid in full by January 1, 2006 I would be reported as four months delinquent to the credit borough.

I was also informed that because of my unemployment I did not qualify for a repayment plan. This caused me great concern. It was not the understood agreement. A repayment plan was finally established on January 5, 2006 with Chase representative Sonya. I offered to pay, in addition to my mortgage, $300 a month through October 2006 to bring my payments current. I made a full payment at that time. On January 23, 2006 I called to inquire about an insurance check sent for endorsement via overnight certified mail.

This check was signed for by Carlton Foley on January 9, 2005. I was told that the check was being held because I was four months behind in my payments. I explained that a repayment plan had been set up, the first installment paid, and partial repair of the property depended on that insurance money. After considerable time on hold, I was assured that the problem had been corrected and the endorsed check would be forwarded to me immediately. On January 29, 2006, today, exactly five months after the storm, I received a call from the collections department asking what I intend to do with my delinquent account.

Again I explained the payment agreement, and reiterated my intent to pay additional through October. After hanging up I called back to attempt to speak with a supervisor and rectify the confusion. I spent 29 minutes on hold before I spoke to Chase representative Leonard Blair. Mr. Blair informed me he worked in the collections department and he showed me as five months delinquent with no indication on my account of the payment plan, or record of the December or January payments. It took another 20 minutes on hold trying to speak to a supervisor only to be told that she would not speak to me and I would have to leave a message for someone to return my call. The promised return call never came although I left three contact numbers.

I have four children, my home is destroyed, my insurance company is not paying for damages below the roof, I am unemployed and I feel I have been deliberately misled by Chase. I was told one thing and at the last moment everything regarding my loan changed. Because the repairs are out-of-pocket, I do not have the resources to rebuild a home, and pay what they are calling delequent payments. Had Chase told me, I would have made regular mortage payments during the deferral period instead of investing in rebuilding the home. I am very concerned that my credit will be negatively reflected. I have requested documentation of the agreement but can not get anyone in management to speak to me.

I was assured by several people that they were processing the refund and that by law (or regulation) I would have it within 90 days. At the 90 day mark I began calling back and am starting at square one, they act like they've never heard of this problem and would place a work order for me -- I can expect an answer in 44 DAYS. It's absolutely ridiculous because I called multiple times to make sure this wouldn't happen. They just DO NOT CARE. This is my third and final dance with Chase.

The incompetent person who recieved the payment put the $100 into an escrow acct. which we did not have & again started charging more late fees. We knew nothing of either until we tried to finance another home & car thru the bank. They admitted their error, but refuse to fix their error because they say we owe 4 years of late fees due to the 43 cent error we knew nothing about. Now our credit is totaly ruined.

Their representatives have actually admitted over the phone that this was bogus, but Chase has nonetheless consistently ignored my letters and faxes in this regard. Additionally, they have raised my monthly payments TWICE in the two years I've owned the condo, even though I have a fixed-rate 30-year loan!! The first $100 was understandable, due to the property being reassessed by the county. However, the second jump of over $100 was for an alleged "escrow shortage" – which is undoubtedly tied to the PMI costs I should not even be paying in the first place!!

The monthly payment on new coupons is $759.00! The letter states that I owe 2 monthly installments the total amount being $1,310.02. States, If I do not make immediate payment of the amount, the Lender will take legal action. I DO NOT OWE THIS AND I DO NOT KNOW WHY MY MONTHLY PAYMENT HAS CHANGED ! The times I have tried to talk to someone at Chase, they are always sarcastic and have a condescending attitude. Who needs that.

It was when I tried to refiance, and found that Chase Manhattan Mortgage had listed me as being in bankrupcy that everything made sense. In 1996 I filed for bankruptcy and the amount owed to Chase was very similar to the 2881.00 that they were now trying to collect.I have only owned my home since 2000, and have only had a mortgage with Chase Manhattan since 2002. I was under the impression that they could not collect any debt that had been discharged in Bankruotcy Court. At 750.00 per year, I could not possibly owe them 2881.00 in insurance. They are now threatening foreclosure.

Well from all this I got behind and entered into a claim aggrement program provided by government. The government program allows you to move a determined amount of payments to the rear of your loan, and then you are responsible for any ining balance.(After applying for this program it took them 6 months to send 1egal document for me to sigh and take to bank to get notirized and appropriate signatures) Upon receving my first set of legal documents, I found a mathmatical error of $400.00.

I called and they said they would have another corrected copy sent out. The second document arrived with the math corrected but the due date for payment was the day prior to me receiving the packet. I called once again and explained I was not comfortable signing a legal document that was incorrect. I was informed that there was nothing they could do and where I had to sign was only the coversheet and actually not a part of the legal document.

was properly signed. I never received a phone call.

I had not received a statment on my account for over 6 months, so I was waiting for my next statement showing I was all current. I never received a statement until

with an outrageous amount due with all late fees and a monthly 17.00 fee for checking to see if I occupy residence.

that the program deadline had passed.

When we ask to speak to a manager about why the payments are constantly not recorded in their system, they refuse to provide us with a manager. When we ask for a number to call about this, the number we dial does not allow us to speak with anyone. This is a very poor business practice and I would classify it as harrassment. Keep in mind that my father has actually PAID his bill on time and we're still dealing with this!

Even though my December payment would not be considered late until the 17th, I began receiving harassing calls on the 1st of December for payment. They insisted my account was in collections for the December payment, even though it was the first of the month. I paid the mortgage on the 6th via telephone for a $12 fee, and now even though its still December I have received 3 calls asking if I would like to make my january payment. Surely, as I was never late and asked them not to call anymore; and they proceeded to call 4-5 times per day for invalid reason this constitutes some type of harassment? This is the same company that raised my credit card rate to 29% for being a single day late, and would not change it back after six years of early payments with no carried balance.

This trickery finally caught up with me. They received my payment on time but having used the wrong coupon it was $5 short. I received a call days before the end of the month, when it was going to collections, and they notified me that I needed to pay $35 to avoid going to collections (the $5 plus a 600%, $30 late fee). The extra double whammi was I was notified so late that to avoid going to collections I have to telephone pay the bill outstanding, but can only do it in full mortgage amount increments so, not only to they sock me with the $30 late fee, they get my full mortgage payment for next month in advance too! This all seems an intentional method of deception, and makes me wonder how many people fall prey to the same trickery?