Chase Mortgage Reviews

Our credit report says we are over 6 months behind, we haven't made a payment since Dec 08, and that we owe over $7000. None of this is true and we have tried numerous times to speak to someone to straighten this out. Most people are insistent that we pay the $7000 or risk foreclosure. That's why we did the modification in the first place! We even signed legal documents to add the $4500 to our loan. It seems to us that Chase is trying to "double dip" from us. Maybe it's time to speak to a real-estate attorney. All we know is that we wish we had never done the modification. It's been nothing but a mess from the very beginning!

Do I care that I'll lose my home? Nope. The house just appraised for $289,000 and I owe $400,000. Chase's choosing to not work with me could be the best financial thing that's happened since the recession hit. So what if my credit is wrecked for a bit. A few years of good payments and I could be back in an equivalent home for less than I owe on this one. That's a smart financial decision by my book.

I called in to find out what was going on. My account had been sent to the Foreclosure attorney on March 31st (3 weeks after I made the payment) and the customer service rep said that the payment was rejected because it was not the total due (even though the website won't accept a payment for less than it says is due) and to this, the customer service rep said it was because there are additional late fees. Now, because I'm in Colorado, I have to file an Intent to Cure with the County and they tell me that $7,100 is due to get my house out of foreclosure, $5,400 in payments and almost $1,700 in attorney fees and county fees, and the like.

During the course of this whole situation, I either get told that it's not Chase's fault or I need to do this to get it fixed. When I do what they tell me to do, I get told that I don't need to do that. I need to do something else or call someone else who never answers the phone and doesn't return calls. If I have to live in a cardboard box, I will never willingly deal with JP Morgan Chase again.

I called on last Saturday. She told me to make a deposit today to clear up my account which I did and call back or go to the branch on Monday because those fees will post on my account on Monday. I asked her to put the note on my account so the other person would know what happened. Nicole said she would do it right away. I called on Monday, got disconnected twice and finally was able to speak with the lady named Margaret. I explained to her what happened with my account and asked to talk to customer relationship specialist as I'd been told to do.

Margaret told me "no". I asked her to take a look on my account so she could see the note and she put me on hold for about 5 min. Then she said, "I'm sorry, Mrs. **. I lost your account information. Can I have it again?" My name is not ** and if she took my issues seriously, then she should not lose my account info. She put me on hold again after I gave her my account # then she said, "I'm sorry but I cannot transfer you to customer relationship because of your NSF fees issue." I asked her then what could she do to help me. The answer was nothing. I asked to talk to her manager or supervisor. Then Margaret told me that they were not available to talk to me.

What kind of business do they run? I should have the right to talk to the manager. This bank just wants to take money from you; they don't care. Why did they authorize money to go through if I don't have enough funds to cover the balance? They could just charge me only one fee for the return item but they didn't. If they posted my mortgage after the other transaction, then I should get only one NSF fee, but I think they want to do it the other way so they can charge me money. I'm done with this bank and I will tell everybody that I know not to bank with them.

I have just been blindly paying my mortgage as I have no access to receipts. (I pay through Western Union.) But now I can't file my 2008 taxes because they have not sent me any paperwork with my interest or any other info I need. Again, there is no way to contact them through phone or email without a loan number and again my information is not in their database! So I can't file my taxes now. And I thought them ruining my credit for forcing me to pay late was all I had to deal with! Try to contact them with no loan number! Press 0 as many times as you want and it just hangs up on you! There is no way to report a problem to them!

After acting like I was trying to get into Fort Knox and having 4 people inspect the $50 check (already signed by my wife, a big deal for them, even though the payee was me and was "or" her not "and"her), after 15 minutes, Chase told me to take the check to another branch 2 miles down the street which had WaMu service, because their "systems were not yet integrated". My lunch hour slipping away, I drove to the other branch. After 10 minutes of hemming and hawing, during which I became increasingly frustrated, Chase/WaMu agreed to cash the check "as a courtesy, even though it violated their policy."

I asked incredulously where I was supposed to take the check if not the bank on which it was written. I was told I should have taken the check to my "own bank." I complained to the head teller that I didn't want any "favors" and asked what could possibly be the reason for not cashing the check without delay. I complained that I had already spent 30 minutes between two Chase banks. The head teller responded, threatening me with, "Do you want it cashed or not?" I said that what I wanted was first to express my displeasure with the policy of not cashing checks labelled "WaMu" when Chase had bought them. After fooling around 10 more minutes, the teller said, "The system will not let me cash this check." I left angry and spent another 30 minutes traveling farther to my own bank (Woodforest) to cash the check.

I have an FHA loan and my current rate is 7.785%. My credit score is 780. How great is that? And Chase will not respond nor will they work with me to refinance, modify. Of course not, they want me to continue to keep my rate where it is. Is Obama really that careless with all the bail out money? Is there any attorney out there who is ready to take on Chase Mortgage on behalf of all of us who have been misled, lied to and hung up on by Chase Customer service? Please, help all of us that have to deal with Chase Mortgage .

After 30 days and no call, I called back and held for another hour. I spoke with Kevin in their Jenny Mae team dept, who I also had to fax an okay to release information. This time they took more information and told me that I would receive something in the mail in order to start the modification process, and should not have to pay my mortgage from May 1 through August. I did not receive anything in the mail and called again. I again had to wait an hour and a quarter and (4x) had to fax over an okay for them to talk to me. I was told this time that it would take 8 hours for them to file the okay and they would not speak with me even with my husband's verbal okay until tomorrow.

I am totally disgusted with Chase. I wish they would just sell my loan at this point. I am going to go to a branch office and see if I can't get some satisfaction from them. I have never dealt with such a frustrating runaround when I am just trying to get help so that I don't lose my home.

I was told that once approved, the government would pay $1,500 to Chase and $500 to me to assist with the payment, as well as reimbursement for the payments I made while unemployed. The loan would be modified, and while this was taking place, there would be no late fees or negative credit reporting. I faxed in the application that day and obtained cash on my credit lines for the payments knowing it would be repaid once this plan was approved.

I continued to call and try and obtain updates to my situation. I was bounced to every department and no one had any information. I then spoke with a man in homeowner assistance and he explained the Forbearance program. I was told it would take 5-10 business days for approval, and the advantage to this plan is there are no late fees or negative credit reporting. I asked how long this plan was available and he said a few months. No one ever told me about this previously. Again, I waited and called and no one had any information. Finally, I was given the names of a case worker, a supervisor; I left several messages, and never received any return calls.

I called into collections, asked to speak with a supervisor and left a voice message. She returned my call within 10 minutes. After discussing my account, I was advised that basically everything I had been told previously was incorrect. She transferred me to their newly formed Fannie Mae department. I spoke with a representative who appeared to be the most knowledgeable of all. She also advised all the information I had received from Chase so far is incorrect. She said there have been plans as far back as November to assist me, and told me that the Forbearance plan may be the best; however, it is reported negatively to the credit bureaus.

So now I am out of money, have much more unsecured debt, and all this was for nothing since it was all based on misinformation. One advantage I do have is I have recorded most of my calls with Chase and documented names and SID numbers. I suggest to everyone that speaks with them, do the same. Also, I believe a class action suit should be filed against Chase for these actions. I have 11 days for resolution or my credit takes a huge hit.

My last conversation with them was a week ago and they quoted me a price over the phone of $13,000, which includes 6 months of escrow costs. I was told that I would only need to prepay 3 months of escrow costs and I have an email stating this. Again they change their story with each and every conversation that I have with them. I was originally told that my total costs would be approximately $6,700 and now I am at $13,000. I also asked them to produce the note, as my current mortgage is with them, that states that I owe them this original mortgage debt to begin with. My request was blown off with some double talk, but they have yet to produce it.

Can you please assist me with getting my $750.00 back for my lock-in rate considering that they could not do my assignment because they cannot find the paperwork of the original loan? I have emails from them which show what I am stating to be true. I also want them to produce the loan note. My Chase loan officer is Christine ** **. Thank you.

When I refinanced, my credit rate was 780 or so. For 33 years, I have taken great pride in my credit and have taken several measures to keep my great scores. I have never had a bad credit rate or default. Three weeks ago, I applied for a credit card and was denied. I have never been denied a credit card. Two weeks ago, my husband and I were trying to make a great investment on some property and due to the investment opportunity that it was, we were competing offers with several others. We were denied approval of credit due to my unpaid mortgage through Chase, we lost the deal. One week ago, I was issued our Commercial Vehicle Insurance renewal which went up $400 due to my recent bad credit. I have since shopped for a better rate and have been facing the same challenge, bad credit which equals bad Commercial Insurance rates. Needless to say, my credit rate is now 620 only due to my unpaid mortgage, Chase's mistake.

I finally received my remaining payoff check this week on 4/16/09 in the wrong amount. Instead of the amount of $403.10 that was due to me, I was issued a check for $268.83. I believe I was charged late fees and whatever else. I feel as if my identity has been stolen by Chase Home Mortgage. I am also very frustrated that I have paid you people several thousand dollars to do this to me in closing cost, recording fees, application fees, processing fees, etc. I demand that my issue be dealt with immediately. This has cost me more than money. It has cost me my sanity, my credit, commercial auto insurance, investment opportunity, and my future. This is what I am sending to Chase. I wish to email as many Chase individuals as possible to see how far my demands are met! Any emails out there? I can't seem to find anyone at Chase to complain to!

We received the package about 6 days later and the numbers are different in the package. I checked the package in my email again and the information was gone. I called the processor and asked her where the package went that was online and in my email. She said it is only temporary and a hard pack had been mailed. The information was different and Mike apparently didn't want us comparing the two packages. It was somehow retrieved. We asked Mike why we were paying a point and he said all big banks charge a point. He did not take the time to tell us that the rate would be slightly higher without a point, which only made a difference of $30.00 in our payment. I have trust issues with this company and I think we should get our deposit back.

When my husband called Mike on the 27th of March, he should have put a stop on the appraisal until we felt comfortable with it. The appraisal was done via drive-by, so no appointment was made to look at the inside of the property. I think the $750 nonrefundable fee is just a bait to keep you in the loan processing with them since most people don't have $750 to throw away. I ended up talking to my local bank that does not charge an upfront application fee and am paying no point. My husband called Mike ** today to ask him why an appraisal was done without his approval. He left a message to call him. My husband called back at 6:51 this evening and he accidentally got Mike on the phone because when my husband asked who it was, he said Mike. When he asked Mike who? He hung up on my husband.

Chase also sent me a new credit card for what reason I don't know because the application fee was charged on the old one we had not used for awhile. Chase is an extremely poor customer service company. I'm sorry I called them to refinance my home. It was an expensive mistake.

My complaint is with their impound services. My mortgage was sold to Chase. I would never have obtained a mortgage from them in the first place. I have never been late with a mortgage payment in the 25 years I've been paying one, I have excellent credit, therefore I am a good customer for Chase. This is the first mortgage company who did not contact me when my impounds fell short, allowing me the opportunity to pay the shortfall. Instead, my mortgage payment went up over $200 a month and I only found out when I received my next month's mortgage statement.

I called Chase to get the shortfall amount so that I could pay it off and was given different answers by every person I spoke with. I was routed to the insurance department who in turn routed me to the tax department. Our conversations prompted me to call my city and county for requested information and when I called back with the information, I had different Chase reps who had to look up my account and start all over again. They then began giving me different information from the first reps I spoke with. I was also cut off many times while on hold, which everyone knows how frustrating and irritating that can be.

I never received an Escrow statement from them or I might have known there was a shortfall. When I requested another, I was told I could access it on their website. I tried to set up a User ID on their website to access my information but it requires a banking account number. I don't bank with them. When I used my mortgage loan number instead, I get an error message. So, I called them again, only to be told the website must be down. I tried another day and got the same message.

As for the information I've obtained by speaking to Chase reps in trying to get a breakdown of my impounds, one told me they required "wind" insurance and were impounding two months payments in advance. When I pointed out I have never been late with a payment and that I had never been subject to this with previous mortgage companies, I got a "Well, that's our policy" response. When I called back after speaking with my city and county representatives, the Chase rep looked at my account and said there was not a two-month advance impound and that I did not have wind insurance, but that they had paid my special assessment. They are not supposed to pay my special assessment. They told me I would have to call the tax department. I hung up frustrated and angry. I'm still cooling my jets. I will try it all again next week.

They lead you to believe that they are going to help you get out of the scam loan they put you in and then go for the kill with another one. I hope they can sleep at night after taking money from people like me who are having a hard time making payments on their homes. Shame on you, Chase. They need to let people who are trying to get new loans know that the fees could be sky high before they collect the $750 no refund fee. Just remember if you do not ask, they sure will not tell you how much you are going to pay in the end. How stupid of me to think that they were going to get me out of this loan that I am in. Beware of Chase.

Multiple emails have been sent and phone calls made to address the issues, yet the errors go uncorrected. I requested to review the updated good faith estimate to ensure it was correct, but I was told that it could not be sent to me until a closing date has been set. This is peculiar since I received the error-ridden copy without a closing date. I have called several times only to be on hold for an excess of 30 minutes before hanging up the phone.

As I am typing, someone from Mortgage Support picked up my call (after 25 minutes). Last but not least, a closing date was set via a phone message without speaking to me to determine if I would even be available. I called Chase to inform them that I did wish to set a closing date without seeing the loan papers. I received no return phone call. In their defense, it was the Easter weekend. On Monday, April 14th, 2009, I had to pick up the phone after 10am EST and try to get someone to address my concerns. I was transferred 3 times until I spoke to George at Mortgage Support who stated he would check on the matter.

Background: In Feb. 2008, our homeowners insurance went up and the payment into our impound account increased. We have a bi-weekly debit from our checking and actually make 2 extra payments per year. We were not aware of the increase to our payment until March when we started receiving collection calls. The Chase representative on the phone was rude and condescending. We tried to explain that there must be a mistake considering we had an impound account and bi-weekly payment. But they did not understand and continued to threaten reporting to the credit bureau if I did not agree to pay $2,754.41 by credit card or check by phone immediately. Being skeptical, I would not consider paying a stranger who called me and requested a written statement. I admit I was angry and hung up the phone.

On March 30th, I received the statement and called Chase to see what could be done to correct the problem. It was my intent to pay the balance due ($82.96) by phone. I was informed that they could not accept a partial payment and I would have to Western Union the funds ($82.96). At that time, they had $2,172.24 of my money sitting in a suspense fund awaiting the balance of $82.96. For some reason, they cannot apply a partial payment and had to have full amount. I spoke with 5 different customer care representatives (Jamie, Tim, Mabel, Kyle and finally Rose) and was cut off 6 different times having to re-dial. I spent a total of 4 hours on the phone attempting to get this cleared up. Finally, I was told they would not report me late if I mailed 2 checks for $82.96, each one for the difference owed for March and one for the difference between what our impound account paid and what was due for April. I actually thought I had cleared this up.

On April 10, 2009, again I am receiving threading collection calls, even though they have cashed my 2nd check for $82.96 and have had my $2,172.24 in the suspense account since 1 April, which makes up the total payment due of $2,255.20. They are not applying that to my April Payment and insisting that I am late. I was told that it was an auto dialer and when someone answered, they were instructed to try to collect the debt. I do not know how to make them go away.

In all my years paying mortgages, I have never had a problem such as this. I did not take out my mortgage with Chase; my lender sold my loan to them. I also had one of my credit cards with Washington Mutual sold to Chase and the interest went from 8% to 18%. When I contacted Chase to see about lowering the payment, I was told they were not even discussing this with customers. In both cases I did not seek out Chase, nor would I have gone with them. Is there nothing to protect consumers from these parasites? We are spending trillions of our tax payer dollars to bail out this **, but who’s helping us?

It is now April 10, 2009 and I am getting the same response - we are almost done. Well my clients are almost done too. They had to jump through hoops with the loan department and have stated that they now don't care when it closes since Chase doesn't seem to care. These are first-time home buyers and it has been a horrible experience. It takes three to four days to get a call back from anyone or even an email response. The seller (Chase) has even threatened to charge my clients $100 per day for being late and even cancel the deal. But it is Chase who is taking their time. The loan officer then had the nerve to ask me to send more business her way. Not a snowball's chance in hell! It makes realtors look bad when they are put in these positions with their clients. My clients come first. Don't deal with Chase for your home loan, unless you enjoy pain!

I have the BBB involved with this matter since Oct. of 2008. With no resolution, they just send letters stating they called x amount of times and we never answered. They have a cellphone #. They have my new address because the home listed I'm not currently living in. It's amazing how I receive the statements for the payment but none of the important documents they supposedly send. I did turn this over to some Federal currency company today. It's getting frustrating, with no results. They are even blowing off the BBB now. This matter needs to be resolved.

I have sold all my household goods at less than they are worth, so I can be a caregiver for my mother about to be released from the hospital to go to her home to die. My siblings can't keep going back and forth so I've made the decision to do that 100% of the time until she dies. I'm done here and if Chase fouls this up much more, the buyer will walk and I have a house sitting empty with no buyers. This was a Grade A deal for them to close, not the crap they've been buying for years. If I knew I could sue, I would.

As I have said ongoing for over a year now, we had some glitches. They were, within 2 months as I promised, overcome. It was a short term issue and the HAD made it into this whole huge nasty mess all by themselves. When we had a workout in place with the ERD in June of 2008, all it took was one woman from HAD to set it back to square one. And that one woman's actions created a snowball effect that brings us to present day.

At the moment, we are dealing with significant lessening of income due to the economy but still have enough revenue to support the $2500 monthly payments I have suggested even in a bad month.

We have not escrowed money; that would have been silly. We kept trying to make payments to Chase but were told again and again that we were not allowed to do that and that the monies would be returned to us if we did. Instead, we have paid off other bills and significantly reduced our debt to our second mortgage/credit line with GMAC while Chase kept refusing our payments.

We have paid off our car, and we have made some much needed repairs to the house (septic system and yard repair $9,000 in May/June 2008). This means that we will not have massive amounts of funds available to give your company at the outset, but we will indeed be able to start with the payments suggested at the time suggested and go forward from there.

This house is not only our single liability, it is also our major tax exemption as a full 2/3 of it is used as office space for the medical practice. With the event of not having been allowed to make these payments to our mortgage, we have incurred a great deal of tax debt that will have to be dealt with in the near future. As I have said before, the only debt we have is this house. All things considered, I think that we are doing pretty well if we only have a mortgage payment, utilities, business and personal expenses. We carry no major credit cards. We have no car payments. We have no debt other than this building that is our home and office, which is in sad need of major repair.

How many people do you personally know with 0 credit card debt who have only a mortgage to pay? And yet, here we sit.

However, when the actual loan application paperwork showed up for my signature, Jason had not informed me of the other items I would be paying for which doubled the amount he told me on the phone and in an e-mail. He even admitted that a lot of people get confused thinking the original amount he quoted me would be all my out of pocket. But then when I e-mailed saying I wasn't going to sign and submit this application and that I wanted my $750 back because he didn't inform me not only of my total costs (ever heard of RESPA, Jason?) nor I realized my APR, I have not been able to get a response from him or his supervisor's supervisor, Jeff **. It looks like Chase is up to its dirty old tricks again. Anyone else get this scam?

In Dec. 2007, Chase offered us a deal to lower our payment and get out of the ARM loan that had financially destroyed us. They called it a loan modification. We accepted the offer in desperation to do anything. The offer was for 9.125% with a payment of $1462/mo. but in desperation, you will do anything and we signed the paperwork. Shortly after signing (Feb. 2008), they sent us a notice transferring our 2nd mortgage to Dyck O'Neal, a collection company. They sold off what would have been their loss if the house foreclosed and set us up with another payment we could not afford. Chase took advantage of our situation and even exploited another company to take the loss after setting us up with a loan we could not afford to pay.

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