Chase Mortgage Reviews

We recently found out that Chase is not the legal mortgagee on our property. They transferred our mortgage through MERS so the clerk of court has our first mortgage company as the legal mortgagee on our property. Chase disbursed from our escrow account on 12/1/17 to pay our property taxes through electronic payment. As of 12/17/17, our property taxes are still unpaid. They basically stole money from our escrow account. The customer service dept. said that they mailed the check which I knew was a lie because last year it took 30 days for Chase to pay our property taxes after they disbursed from our escrow. Organized Crime Operation!!!

Updated on 12/23/2017: On 12/15/17, I mailed our 4/1/18 mortgage payment of $1249.80 by certified mail to Chase. Yesterday on 12/22/17, Chase signed for the mortgage payment. This morning on 12/23/17, our mortgage account shows that the whole $1249.80 mortgage payment was applied to the principal of our mortgage even though the payment slip and check showed that it was clearly marked as a mortgage payment. Keep a copy of every document and payment you send to Chase because you will need it. Don't do business with Chase!

Updated on 01/06/2018: On 12/29/17, I mailed my May 2018 mortgage payment of $1249.80 to Chase by certified mail. Chase received the mortgage payment on 1/2/18 and applied it as a principal reduction. I contacted Chase daily to fix the misapplication. On 1/4/18, Chase did a misapplication reversal on the $1249.80 and then reapplied our May 2018 mortgage payment of $1249.80 as a principal reduction payment for a second time. Don't do business with Chase!

They told me I had a loan modification in 2015 and had to wait until 2017 to do another one. Which was wrong and I have the paperwork to prove it. But to make a long story short my home is on a FHA loan and they know they would get their money anyway if they did ForeClose. I had to pay 3000.00 to an attorney because we was in a mediation and Chase’s attorney told me I needed one. On top of that he had no clue about the short sale and who the company was that called me out of the blue. That bank should be paying my house off with as much drama and heartache they have put me and my family through. It is ridiculous the way they get away with doing people. But I really need to know where I should turn too.

After hiring that attorney and getting a loan modification down to 650.00 a month when I only bring home 1200.00 is really crazy. But they have messed up my credit so bad with all of the late payments that I have a lot of work to do with that too. But hopefully I will keep looking for answers because they must do their loans electronically because that is not my signature or my initials on those loan documents and the people I actually purchased my house from is not on there nowhere. Sounds like fraud to me somewhere.

I'm not sure I would have done that. He could have picked up $50 grand. The point is we could have easily lost the house, that we were renting at the time. On the 6th, we got (2) letters from Chase. The first one we opened said we were approved and moving towards closing. The second one said, they were sorry that they had to reject our loan. Get this, both letters dated the 6th, both sign by the same person. I started buying houses in 1979 to a build a rental portfolio for retirement. I've purchased 30 or more. The time it took to buy all of them added together didn't take 2 1/2 months. As we shared with our friends along the way, they assured we were not the only ones that had similar experiences.

I never felt single out, I just felt I was going crazy. To my knowledge this is the 2nd review I've ever written, but for respect of my fellow man, I had to write this one. I want to go to a consumer advocate group, but I'm too beat down. You often hear about business being "too big to fail", this business is big, but at some point they have to fail. You don't know me, but don't use this company. I don't want to throw some other companies under the bus, but no one seemed surprised. I don't drink alcohol, but I came darn close. Its was an experience I would not wish on my worst enemy. I'm going to stop here, but part of me wants to put it all out there. The approval/rejection letter from same sender, same day should tell you all you need to hear.

Our payments should have been paid through the insurance but since they never paid premiums we couldn't put in a claim. To no avail they would not help or give us answers & after 24 years we list our house to foreclosure. I couldn't show up at the hearing as I got bit by a brown recluse spider and they padlocked the house with our belongings in it even before the court hearing. The foreclosure papers said Wells Fargo LLC not even Chase. A class action suit was brought against them & also advised us to obtain a lawyer to sue them individually. No lawyer I called would go against the two banks. I have lost all confidence in both banks!

The economy was terrible, I had hurt myself and I had to go on SSI disability. We had to apply for a second modification with Chase. Of course our loan was sold again without our knowledge. This time THANK GOD. The customer service was terrible. They are so big no one knows what the other is doing, CSR were hard to understand many times, and a lot of times read the script and really couldn't help. You got transferred a lot. It was a HORRIBLE EXPERIENCE.

On September 7, 2017 they closed checking account claiming they no longer wanted to do business with me. They wrote me a letter dated September 8 telling me this and I did not receive the letter until September 12,2017. I have spent $37,000.00 fighting them and still have gotten no where except that the house is in my name. Now they are attempting to foreclose again on September 21, 2017. Anyone wanting to contact may do so. It is unbelievable that a bank can do what they do to people and get away with it. I have contacted the Comptroller of the Currency and they tell me to file a complaint with the Consumer Financial Protection Agency. I have and they are of no help at all. No amount of reaching out to them helps. They are screwing the American Public and Jamie Dimon CEO should go directly to prison and become a roommate to Bernie Madoff.

After 4 telephone calls and countless hours with their tax department, they agreed the problem was theirs, caused by them and they were willing to pay the fines I had incurred for being delinquent. Fast forward 12 months... Again Chase pays the taxes on the wrong property but this time they claim they must since now my mortgage shows both properties on it.

The last communications I received was from Susan ** (with no phone number to contact her directly) stated she could not remove the wrong parcel number from the mortgage (even though they put it there), but I could, on my time, send a written plea to the Chase Land Transaction department with supporting documentation from the county and have it removed. I paid off my Mortgage to eliminate having to deal with Chase again and to receive the money back from the county that they paid on the wrong parcel. I would highly recommend you do not mortgage with Chase since it is clear that any problems they cause will soon become yours.

I am at this point on my 4th time dealing with a loan officer to purchase a home. Each time, I am told, my debt to income ratio is good, my credit score is 739, I have the down payment amount of 20% AND at least 12 months in reserves. All credit cards paid to almost zero. What is the problem then? In not getting a loan after 4 attempts now and having spent close to $20,000 dollars in home inspections so far? Prejudice? I am not sure? I am not an American born but I am a citizen yes but my income is from abroad? Is this the reason? Not sure. Maybe, yes - maybe no!

But after going around the loop for 4 times now - I can tell you for sure - it really is about people NOT being able to do their jobs and the consumer having to pay through the nose because of it. This shouldn't be happening. Each time - how many wrong assumption an underwriter was willing to make instead of really looking at the paper work was a problem. Each time, an underwriter and therefore institution not being able to make the timeline, being the reason a deal dropped out - was the reason - why I have spent over $20,000 dollars!!! They have said a week turn around, it ends up being a month. Simply cause they do not deliver, in the guidelines they said they would.

This is not fair. Either deliver the deadlines, and not have an underwriter look at so many files that they can't deliver or be the responsible party to pay for all the costs UNLESS you deliver. Either OR... but have some laws in place - where consumer is not at the beckon call of a underwriter not doing the job. It's not one bad apple, the system itself is the bad smelling apple. The amounts of mistake I had to handle - yet with no results - but the mistakes itself were so stupid and wrong. There is a total communication break down. If an underwriter - doesn't take the time to really look at your file - they can claim for conditions that are not even a reality. Unless you check a very limited box- they don't know what to do with you.

Right now, besides being perfect on paper, I have half of the money I am applying for in the bank. Yet, once again they have not delivered on time, and once again the seller might pull the rug from underneath me... cause the BANK is not delivering in timely manner. If I don't pay my credit card in time what is the cost? Higher interest rates not the mention high penalties for being late. Nobody cares, if I am sick or my mother just died? Fair enough. Business is business. But when banks, don't deliver? There should be a cost, equal to what they demand... at the very least, pay for all my costs for getting me to believe, you would do your job, if you have not delivered? Or - have a law that forbids, paying for appraisal out of pocket. Out of my pocket if you deliver, not out of my pocket if you don't.

Make it hard for underwriters to be having a bad day, OR huge institutions that decide not to fund you... there has to be the COST of doing business on the shoulders of institutions as well. If there is not; as in the lending loop, lets not pretend the consumer is being protected in any way. It just isn't the case. Again, Chase is claiming conditions for approval, which are not really conditions, if they really looked at the paperwork. What they are asking for are already fulfilled conditions - minus the possible prejudice part. Which I am actually rather fine with. I would take that anytime over people not doing their jobs and really looking at the paperwork cause they have too much "other" stuff going on. But laws not protecting the consumer over the institutions are not ok by me... they are dragging their feet for an amount of a sale price that I have 50% of in the bank already. My seller is probably not going to wait around!

Conclusion? I am happy - I have decided to buy cash down. Problem? As consumer we shouldn't be so mistrusting the system, IF we do there is a reason - and the system should change. With all the reviews I read on this website, it's amazing to me, the system is still in place the way it is. Chase being a very good example for how it doesn't work. The system needs remedy for sure and urgently. Anyone who has been through it can see it is theft of the consumer - while everybody else has themselves covered. Should not be happening in this way...

Chase claims they have nothing to do with it, yet this is a firm Chase partners with and they should own that relationship. Allowing the firm to sit on the money, not pay off the mortgage, run up additional charges, and withhold my funds is unethical. Do not do business with Chase. Their business practices are highly questionable.

Then the circus really started. They had two different people working on the loan which is understandable but if you asked one of them a question they would say they did not know and we would have to ask the other guy. Then you would talk to the other guy and come up with more questions and he would say you had to talk to the other guy. Basically one hand did not have any idea what the other was doing. Then we started to get some numbers but one of the bankers at Chase started to go as far as to basically talk down to my wife who is a working professional in computers and she refused to deal with Chase and asked me to finish the process. The circus continued and the numbers would ever come out like they said they would and neither of the bankers would be able to explain why.

Finally after two months of not closing on a loan and after they wasted hours of our time I stated I wanted to cancel the loan process. I had family obligations and could not continue. I was referred to another person and when I told the original two bankers that I was waiting to hear from the lady I was referred to they hung up on me and I have never heard back from them. I asked for my money back that I was told I could get back and was told that was not possible.

I asked to speak to a supervisor and after waiting three days for her to call me she called. She asked me to go through the situation so I went through everything again only for her to tell my that they decided to refund me $30 and they could not refund the other $470 even though it was their lack of ability to do a simple refinance. I complained and was told that she is not authorized to make any refund decisions. So basically she wasted more of my time to help me with nothing. They say their calls are recorded and I've asked them to review the calls and that I want my money back. I was told they would look into it. It's been a week and haven't heard anything from Chase. There are a lot of companies out there willing to refinance a house. Use any of them. Tell all your friends and family to not use Chase. I do not want anyone to have to go through the circus that I am still going through!

What I've noticed is that the underwriters really do want to help you, they really do want to lend you the money, but they are people too and if you are rude and snarky with them then they don't want to call you and deal with you. They are people too, I found that they were extremely helpful and the entire process took about 8 weeks from my initial submission to actual funding. Overall, I'm pretty happy with how I've been treated and my new financial package.

Then, out of the blue, they said we had qualified for a modified mortgage (enclosed with the letter) and we had seven days to accept or it would be withdrawn. We signed it. Our mortgage changed from a 30 year fixed to a 40 year fixed at a lower interest rate. We did not notice they had also taken the 3yrs. of payments we didn't make (their instructions) and added them to the principal balance plus interest. We finally found a bank that would refinance our loan in 2016. Our payment increased a very small amount but the term went to a twenty year period. This year, we received our interest statement from Chase. It indicated we paid over $39,000 interest in 2016! I asked if could be a mistake. They filed a dispute on the amount and came back saying it was correct. It appears they charged all the interest for the remaining term of the 40 year loan as capitalized interest! What a crooked institution!

I should have known better. I applied for a Chase refinance last year, with the same lengthy process and excuses. I ended up going with a different lender and a better deal that saved me thousands of dollars compared to going with Chase. Within a month, the company we went with ended up selling the loan to... Chase... I won't ever go with this company again. My experience with Chase is you have a lot of paper pushers. Terrible service.

My husband's credit score was 800, we have never been late on any payments, so therefore we did not qualify for any mortgage assistance programs. Their letter stated that we had 14 days to find a real estate agent, submit all of that paperwork for the short sale, list the house, etc. Remember, we have a tenant in the home on a three year lease who we have not spoken to as of yet. We decided to discuss our situation with an attorney, and of course he said that in most cases unless, you don't pay your mortgage you won't get help (what?). So we submit all the paperwork for the realtor, kick out our tenant, show the house a few times and now we receive another letter from Chase, saying that we are no good for a short sale. "That window closed. You now need to reapply." So I did all the paperwork again, resubmitted it and it has been approved, but for only one loan and not the other. So now dealing with that.

Also, my husband went to make the payment on both mortgages on a Friday, and one went thru and other did not, because Chase closed and turned on their auto message. So first thing on Monday morning, he explained what happened and he did not want a late fee or any derogatory issues with his credit and they actually told him that they could accept his payment but it will be late no matter what. HATE Chase!

I have owned 6 other properties in my short 70 trips around the sun and this time it was hell. After nearly two months of them working on this loan I finally fired them. Don't go near these unprofessional, unethical bunch of idiots. You will regret it. The loan was and is still in underwriting. I wish I could articulate what I would really like to say but it wouldn't serve any purpose. Veteran choose a lending institution that specializes in VA Loans... Semper Fi.

I read another review and my experience was exactly the same. I sent requested documents in the same day. List after list of documentation. Letters of explanation, followed by letters from my bookkeeper, follow by more requests for letters from my CPA. Come on! Can underwriting read a tax return they requested? We have a small, simple business.

Bottom line I finally pushed back in February and requested to close the refi of rentals ASAP. ASAP to Chase means March 27. I decided that if Chase can't get my purchase done in a timely manner, I would have time to check out some other banks. One smaller bank was so nice when we walked that we met the loan officer right them. We explained our situation. She told us she could close this purchase in March. Really, this is the end of February and we are business owners. She assured us that it can actually happen. We decided to let her start the process. She already has an appraisal, underwriting has finished and she's ready to close at this local bank. I keep asking if she needed all these documents that Chase needed and she said, "No we can see that on your tax returns."

We have to wait for Chase to close the rentals since some of our cash down payment is from those closings. Chase loan officer is nice, processors are great. Underwriting and getting documentation routed in a timely manner or even at all is totally unacceptable. I will be moving my personal and my corp business account to this incredible, local bank. The amount of time I wasted dealing with Chase makes me sick. If I ran my business that way, I would not have a business.

He told me he had 15 years of market experience or something like that. I bet it's really more like 3 months. I still to this day do not believe things were explained to me honestly and I never believe my best interest was being considered. Before the loan closed I contacted a manager named Sandy **. I left him a message and he called me back as the closing agent was arriving at my home. The only reason I went ahead with it was because my previous loan was so bad that even this in my opinion was the smarter deal and rates had gone up since I locked. I also have my first child arriving in 2 months so time is very sensitive for me right now. So I signed the deal even though the fees were high and I did not get the best rate I could have got. I reached out to the manager after the signing and got no response.

Days later I got a notice from my previous lenders stating I was late on my payment. I told Aaron about this and he said that it should have been funded which I found out later it was and their old computer system automated that notice. During that conversation I mentioned that I left Sandy the manager a message. Aaron said "that's not right. You should call again." I respectfully disagree. He should called me but I assume since it was funded I was all but dead to them. Bottom line is, educate yourself and make sure you have a loan officer who is punctual and is wise enough to navigate you through the process so you can get the best possible situation. Try a credit union or small bank with good rates. I got hosed at Chase.

I called to talk to somebody about the delay on Friday March 3rd and she was fairly nice and said she would escalate it on the 3rd. She acknowledged they received the request on the 28th. She hoped I could get the payoff at the latest on the following Monday since that was the day we were to close. She did fax me a one in the same letter which helped clarify the multiple liens but was unable to get me the pay-off. I called again on Monday after my new bank said they were still not getting anywhere with Chase. For the record, my first mortgage got them my pay-off right away. So I called and talked to a customer service rep who stated it could be another 5 days from the 3rd of March since no one put in a work order until I called to inquire on the 3rd. He too acknowledged that the first request was received on the 28th.

So here we are on March 6th and my closing has been delayed until God knows when. I asked to speak to a supervisor and the gentleman I spoke to said it would take about 48 hours to get someone to call me back. I will NEVER use this bank again. How hard is it to get a payoff? Both parties I spoke to at Chase Bank stated the request to get a payoff was on the 28th. So they dropped the ball and I suffer since no one created a work order until the 3rd of March? I was to buy another home and now because I don't have my pay out from the refinance I may lose the house I wanted to buy because of their inadequacies. Beware...

I filed for mortgage assistance and was told they could lower my payment by 12 bucks if I missed three payments in a row which would destroy my credit. I declined and went to the branch yet again to ask for my credit score from a past report ready to just get rid of the house. A new mortgage officer who was very nice heard me speaking and ask why I just didn't do an assumption. Me and the other Chase employee both ask what that was. As she explained I could pay 1.5% of the remaining value of the home to either add or take off a name. After years of going thru ** I was angry but agreed to give it a try so I fill out the paperwork like always in the Chase branch at my job with the broker who faxes over the info. I wait and receive two diff letters that say they haven't received my info and are closing the request.

The missing info is my SSN and yearly wages which number 1 you have to verify your SSN just to speak with someone on the phone. (2) I'm at my job in the Chase branch located in the building so not only am I incompetent but the other 2 Chase employees that faxed this over are too. Point being I closed my account and IDK care what happens to the house. Chase bank are crooks and should be ashamed.

I was told, however, they will not reimburse me for the fees. Later, I asked to speak to the acceleration department, managed by Jamie **. I spoke to Mr. **, who stated he would contact the online department and will review my concerns. He followed up by sending me a letter too. A few days later, he called me to say my concerns were reviewed and according to the online payment department, I was sent a confirmation number both times. Therefore, I am not being reimbursed the fees from my bank. I am so angry, I would not make 2 payments on my mortgage and secondly, the second debit came out days after the first one. Clearly, there WAS an online glitch with Chase's online system that day.

After receiving a property tax statement noting a December 10th due date (already late as it was January)... I called Chase to ask what was going on? I had over $10K in my escrow account and that included 10-months of taxes... so why hadn't they paid??? Their response? "Oh we thought you paid on closing." I check all my documents... which they also have and they clearly state it IS NOT paid on closing. So I fax them a copy of the notice and request that they make payment for both the 1st and 2nd installments immediately so as not to incur additional penalties. FLASH FORWARD TWO WEEKS. I check my statements online and NO PAYMENT HAS BEEN MADE?!?!?!?

I call back to Chase who now tells me that they are still reviewing it and won't pay until they are done reviewing... REVIEWING WHAT?!? I HAVE A TAX NOTICE IN FRONT OF ME SHOWING THEY DIDN'T PAY ON TIME. I have an escrow account that clearly says it has 10+ months of est prop tax in it. I have given my approval to pay... and nothing.

I have to talk to several people at Chase. The first guy tells me he will connect me to the escrow department so I can request a waiver from the account... now tell me HOW STUPID ARE THEY??? If a payment I already requested is in-process why the hell would I close the account before it processes. To say that they have grossly mismanaged my mortgage in less than 3 months would be a HUGE UNDERSTATEMENT. It is difficult as a customer when you cannot rely on the company to uphold their fiduciary requirements to their customers. Once the payments are made I will start speaking with other bankers about getting this mortgage moved. This mortgage is the largest outstanding loan I have, so the fact that they are not properly managing it, causing me penalty fees and potentially messing up my credit is reprehensible.

And my question is when someone is analyzing an extensive stock portfolio, is that Underwriter really astute enough to understand what he or she is looking at? I highly doubt it because if they were that smart they would be in a far more lucrative profession like being a financial analyst. I believe the problem at Chase rests in their Underwriting so my suggestion is not to waste too much time and effort unless your Loan Officer is 100% sure you will qualify for what you need. Stick with 100% and I think you will be fine. Otherwise, you may be wasting a lot of time and effort.

It started out simply enough with filling out a form online with the help of the loan officer. Some personal documents were required, which I expected and thought appropriate. However, I began to get a sense that something was off when I had to inform Chase, who holds an escrow account from which my home insurance is paid, what the name of my insurance company was. It would seem that they should know this already since they are the ones paying the insurance from the escrow account. Having already started the remodel and packed away all my documents, I did not remember who held my insurance as I have never made a claim in 20 years. I had to call Chase to ASK THEM who held my homeowner's insurance so that I could call back the HELC department to TELL THEM who it was. They could not be bothered to look in their own computer and get this information themselves.

Then I had to give them my tax returns of the past 2 years to prove my income. The W-2's from the past 2 years were not good enough. As the tax returns were electronically filed, there was not a pen-and-ink signature on the form. I was forced to sign the form and resubmit the tax documents, even though I dated the signature the day I signed it, fully 2 years after the document was sent to the IRS. This makes no sense. Then came an employment verification document to prove that I was working at my job for the time I specified and that I actually had a job, my last paystub, dated a few days before this request apparently not being good enough.

Then they discovered I had another account with another bank (savings only). I had been using it to pay for the remodel as they were dragging their feet on approving this loan and because apparently I am not allowed to use my own money for what I see fit. They acted like I had withheld information from them (even though it's all there on the credit report that they had for weeks). Now, 60 days had elapsed from the first credit report obtained, so I had to get a 2nd set of reports for them (at my expense) since they had "expired". I put a credit freeze on my credit to protect myself from identity theft in the past as I have been in a cohort of millions of people whose information had potentially been compromised by Target.

I released 2 of the 3 reporting agencies but could not contact Equifax on the phone in order to have this done quickly as my PIN number was also in my documents that are packed away due to the remodel (not thinking I would need this after releasing it the first time). This was treated with a huge amount of suspicion by Chase. Not that I didn't have the PIN number but that I had put on a credit freeze in the first place. I am now wondering about the intelligence level of the persons Chase hires to work in their loan originating department. Additionally, even though I had unfrozen 2 of the 3 reporting agencies, surprise, surprise, Equifax, the one I could not release in a timely manner was the only one that they used "in my region." Why did they not tell me this before I wasted money and an hour at work releasing the other 2 credit reports?!?

But it does not end there. Then, I was told that they needed the contract I signed with the contractor performing the work on my remodel because when the appraiser took pictures, I no longer had a kitchen as the old cabinets had been taken out at the time that the appraiser came through. They needed this information in order to be able to lend me $20,000 to remodel the kitchen as the house was being used for collateral for the loan (WTF??). I only got this explanation after demanding to know why the contract was needed. By the time of this request, the new cabinets were going in so I told them they could bring the appraiser back out to take photographs of this. They would not, no explanation given.

By this time, it was apparent that Chase had no intention of granting me this loan. In case you were wondering if I am a deadbeat, I am a physician with a stable job, salary in the low 6 figures, I've lived in the same place for 20 years, have a good credit rating, and have no debt other than my mortgage. To me, it looks like they were fishing for reasons not to grant the loan. I went to a credit union right after that phone call, and a few choice words to the sleazy scumbag on the other end, and was approved for a home equity loan IN LESS THAN 1 HOUR. This, after dicking around with Chase for 2 months.

I am now in the process of pulling my mortgage from Chase and going with the credit union. My monthly payment will be several HUNDRED dollars less a month even with the same interest rate. Please everyone, LEAVE THE BIG BANKS. They are getting ready to have another financial crisis anyway. Something is up. I can tell from the other posts I have read here. There are people with even better financial standing than I who have been treated in the same deplorable manner. They are no longer willing to lend, which means that they are in some kind of trouble that we will find out about soon enough. Get out while you still can!

Chase has lied even about serving us papers on several occasions about how they handle business with us. If there is a class action law suit on Chase Mortgage Company, I would love to be a part of it. My home has been compromise for the greed of them who work for Chase. I would not recommend this bank to no one. Please run from them. Chase has very bad business practice and the name fits. They just want to Chase you up and out of your home. I put everything I ever own in my home, raised 3 generation to have just to have Chase steal it from us. Yes they did nothing to help me keep it nothing at all. They just want to know how soon can I get out of it. I hope everyone experience with them gets to the forefront so people are protected from this company that has no heart for the home buyer. No one would ever know what it really feels like to wake up from day to day knowing your mortgage company did nothing to help you keep your investment.

It's been 8 weeks now and they are still harassing me with complete nonsense. Never should of started with them. This is my 3rd house and I have never went through anything close to this. Extremely disappointed and aggravated with Chase. I am ready to cancel and submit all documents with another lender right after I withdraw all my assets from Chase. SO STAY AWAY. Save yourself this agonizing aggravation.

We decided to pay off something else to bring the ratio in line. They then called and said that because I write off a few business expenses that they have to take that off my income and my debt to income is too high. It goes on and on and on like this. Too many instances to write about, but finally we're done and are not able to refinance with the company who we already have a loan with. SAVE YOURSELF THE HASSLE AND GO ANYWHERE BUT CHASE!!!

When my husband or I would call to inquire, they would say they were just waiting for X and as soon as they had that, we could close "next week". I would tell them I sent them X the week before and they would then confirm that yes they had that and they would be in contact to close next week. Next week would come and I would call to let them know what days I was available (I often travel for work) and they would say they were waiting on Y. I would tell them I sent them Y twice before and sure enough, they would find it and tell us we should be good to close the next week. This little ritual repeated for months. Finally, my husband took money from his IRA thinking we would just replace it when the loan came through. I mean surely we'd have it in 60 days, right??

After weeks of frustration and sending information and leaving messages, we were approved to close on a Tuesday. There was a three day wait until we could have the money but our completely worthless loan officer assured us we could go to a local bank and pick up the money and get it back to the IRA in time to meet the 60 day deadline. Remember we were supposed to close in 30 days? And more than likely 2 weeks??? So, we signed the papers on the Tuesday before Thanksgiving and on the following Monday, my husband called to see what bank he could go to pick up the money - because it's due back in the IRA by Wednesday.

We live in the Kansas City area - guess what? The closest bank we could pick up the funds was TULSA, OKLAHOMA. Four hours away. They couldn't / wouldn't wire the money to our account or overnight a check. We would have to be there, in person, with 2 forms of ID. OK, my husband talked to someone who arranged a meeting with someone in the Tulsa bank. He jumped in the car and drove 4 hours arriving at the bank about 4:00pm. But, guess what? The loan wasn't in the local bank's system.

So, they know he's coming, they know WHY he's coming and yet it isn't until he arrives (4 hours later) they discover they don't have the information in THEIR system? From THEIR employees?? I just hung up from him and he is still sitting in the lobby in TULSA OKLAHOMA as the employees work to try to get us our money. Hopefully, he will make it home by midnight and can get the money back into his IRA tomorrow but I've lost all faith in Chase.

This has been, without a doubt, the single most frustrating financial transaction we have ever had in 30 years of marriage. We have 2 rental properties mortgaged by Chase but I'll be shopping to refi those ASAP. This experience has been way too ridiculous to retain any sort of relationship with Chase or to ever want to do business with Chase again. Take my advice - call ANYONE but CHASE!!

Got sucked in by Chase's low interest rates. Took SEVEN months to close. I was stuck paying the construction loan interest, so lost about $4500 in interest during their delays. My loan officer knew nothing, wasted two months, then I asked for his boss. Profuse apologies, still slow trickle of requests for information over several months, then on to her boss. STILL slow as molasses, finally closed tonight. Never again. I'm trying to save you the misery as well.. Stay away!!

I made the mistake of doing this for my first mortgage and they then sold my mortgage to a national bank and obviously made money off of me. This go round. I went to the big bank first since I knew they could give me the best deal. We actually got everything done so fast. I closed 5 days earlier than expected. The Chase broker and the representative called me every week to go over what was done or needed doing. They were extremely pleasant every time and always helpful. The online mortgage tracker is great too! It lets you see where you're at and how much more it'll take to close. And when you get to closing they send you the nicest book I've ever seen with all of your mortgage info, appraisal info, and general area info. It's really impressive. So if you are a take charge kind of person and understand electronic submission of requested paperwork then go with Chase for a mortgage and request Garrett **.

I bought my house for $85,764, so I did the math and I had to get my loan to $77,187.60. I did not pull this number out of thin air. I have calculated this and kept this as a goal for months now (almost a year). So I had already satisfied the 5 year requirement, but got my loan down to $77,034.23. I called and put in the request to cancel the mortgage insurance. They stated they would review my account and send me a letter. I rent the house out, so I did not receive this said letter, but gave it a few months. Seeing the mortgage insurance still coming out of my escrow, I called back to find out what is going on.

Now, conveniently, the requirement is 5 years and 80% of my loan. So now I have to pay it down to $69,323.04. I am sure by the time I get it down to that, it will be a new moving target. I know I did not hear wrong or misunderstand the first initial customer service rep because I have had the $77,187 amount on post it notes and on electronic reminders throughout my cellphone and computer, so I didn't just magically make up this number. I am going to get my money out of Chase as fast as possible. These guys are crooks. Why wait until we find out they are the next Wells Fargo right?

I had telephone contact with a Chase Bank Veteran's Rep, who requested yet more paperwork, which I again sent from their own bank, and never heard back from the so-called Veteran's assistance representative. It's absolutely shameful when a disabled veteran, who also is a father of three and has been disabled on the job while serving the very community he lives in loses his very residence because of corporate greed and there are no longer attorneys willing to help us out without a pile of cash up front. We just don't stand a chance.

The day of closing Chase never sent the documents to the title company. Which was weird because they called me 2 days before to confirm the date and time. The closing finally took place on September 15. I was told the documents would be sent to Chase Mortgage by the 19th. On September 27 I received a call from the title company who told me Chase missed a document and I still needed to sign. That document was signed and returned within 5 minutes. It took Chase.com 13 days to get that document to the title company. In order to get the old loan paid off and start the process for the new loan with the mortgage department I had to start to file a complaint with the Executive Office, which I still have not been contacted by them.

Finally I reached a supervisor, probably the only competent person in the whole company. Imagine my surprise when she told me the old loan could have been paid off without this form because the rest were signed. The last document should not have held up the process for 13 days. She also told me the old loan will be paid off that day (September 28) because their system talked to the Mortgage dept's system. The process is finally completed thanks to that supervisor. I dealt with eleven people at Chase.com. Some ignored my phone calls altogether. None had a sense of urgency to complete the loan process within a reasonable time. I was told that process took so long because they were really busy. I know people who started their finance, new loan process, or sold a house and still had their process completed within 30 days. Absolutely no excuse.

Because of this process I moved all my money, except what I would need to pay my mortgage out of Chase. Although I have had a positive experience with my local bank, I am now very cautious of their service. My co-worker found the reviews on Consumer Affairs after I told her my problems. I was completely surprised by all the unsatisfactory reviews for Chase.

I do not normally post my dissatisfaction for a company, but this process went above and beyond bad customer service. I will never refinance or start a new mortgage loan with Chase. This was a very stressful process. My local bank could not help me because they are a separate entity from the department I dealt with. I felt I was on an island all alone with no one to help me. Chase.com could care less about my frustration and time to complete this process. To them I was more of a pain and they did not want to be bothered. They would complete by refinance when they were good and ready, and it could be in 6 months if they wanted to take that long.

I called back a couple of months later after receiving a check for $39. They said I should have received a much larger check as well. They had to open a new investigation to trace the check. Again they said I should receive the check in a few weeks. I called back a month later to find out the investigation has been closed. We started the process again. They have opened at least 5 investigations related to this and over a year later I still don't have my refund check. My advice is if at all possible find a different bank for your mortgage.

So I hang in there for the first year and now as I go to change homeowners insurance providers find that Chase has paid out of escrow my soon to be former insurance provider nearly three weeks before the premium is due. Requiring me to pay my new provider out of pocket while I wait for the check from the old provider. Next Chase business segments do not talk to one another. Had a name change - bank accounts reflect, but not my mortgage. The response from the Chase representative was about the higher standards of reporting that accompanies a mortgage. My response is that is utter nonsense as they use your social security number for reporting purposes. Enough with Chase.

Always remember there’s billion of people doing the same thing. There’s only so many at the table to give you a approval letter. If your paperwork not correct in any way you’re going to be denied. So make sure you do your apply correct. Call Chase if you’re not sure. After 3 years today Chase Mortgage has approve my sister modification. I had to make sure her paperwork was right this last time. I'm so happy for my sister. I want Chase to know we are so thankful for making it happen. Thank you Chase for keeping your word. Ya’ll truly help my sister keep her American Dream. This is real talk... After 3 years her prayer was answer. Modification approval. Amen. People don't give up on Chase. Prayer change everything. Be patient and do what they ask. It's all about your paperwork being done correctly.

Two months later I got a cancellation letter from the insurance company for non-payment. I called the mortgage company to see what the problem was. What I got from them was since my loan balance was less than $5000 they no longer make the insurance payments out of my escrow. There was never any notification about this.. no letter... no email... nothing whatsoever, but they were collecting the escrow money for insurance. So now I have to come up with the additional insurance payment while they do an audit for the refund of the insurance escrow. It just shows you how little this company cares about their customers.

I did make them on time but after the 180 days I was swamped in paperwork that I filled out, refilled and faxed back and forth for 6 months or longer. There was no change in my payment other than when they said being told I have to pay the usual payment of $1,362 but now I am farther behind in my house payments because I had to not only pay the remainder from the original one payment behind but the difference between the $800 of $1,362 for those 180 days! Chase kept sending paperwork and I kept faxing it back to them only changing the dates because every 3 months I had to submit another request for modification because Chase never got around getting that modification permanent.

So since I couldn't catch up the difference in them helping me Chase refused three cashier checks to try to keep me from APPEARING to be 5 payments behind!!! Chase said when you are 5 payments behind, they will not accept any payment. So I have been threatened foreclosure for the past year and a half. My credit looks atrocious because it looks like I just quit paying on my home. I couldn't even get an equity loan because of Chase!!! The only blessing out of this is I was able to do a short sale so foreclosure doesn't show up on my credit, but they are vicious and still leave it as FORECLOSURE as the status. They wouldn't even accept the offer for the house which was $5,000 less than what I owed on the house. Of course that buyer said BYE... Luckily I found another person to do the short sale, so now Chase is squabbling over the HOA and weeds.

Closing has been postponed for 4 months then I get the Chase threatening letters about foreclosure and then they have the audacity to send me LOAN MODIFICATION LETTERS!!! I am telling you the right hand doesn't know what the left hand is doing... other than taking homes away from hard working people!!!

In addition, if you fax anything to the 1000 numbers they provide you, they always lose the paperwork requiring additional faxes. On top of all of that, prefer to argue with you and try to sway you in a different direction than what the customer actually wants. They were unethical in the housing crash and continue to be unethical with their daily dealings and "gov't regulation" jargon. They have done nothing to help me. And continue to be a thorn in my side. Unfortunately I'm responsible for the mortgage of a dead person and they've treated me like crap since day one, 5 years ago, the day I started paying my father's mortgage. No help, no empathy, no sympathy, no concern.

After living in the house 2 years, I lost my job and I contacted them to see if we could work something out. The rep said that I could do a short sale or foreclose, I told them that I just needed a little time to find a job. I finally found a minimum wage job after 4 months of applying to over 300 jobs and struggle but manage to make the house payment each month. At the 5-year mark, I called them to remove the down payment assistance and they told me that they couldn't do it. Now an additional 4 years later (where they have raised my monthly payment at least $100 each year), they are still not helping their customers. I use another bank for my checking and savings and use BillPay to pay my monthly payment and an additional principal payment.

I get a phone call from Chase the other day, and they tell me they haven't received a payment since March. I call my other bank and they looked up the 6 transactions and give me the confirmation and trace numbers for the BillPay. Chase had requested paper checks instead of electronic transfers so my bank has been sending paper checks. None of the checks have been cashed so I called Chase back and explained what my bank said. They said they didn't receive the checks so I verified the address and it was right. I told them that $7000+ had been sent to them but not applied to my account. They told me I have until the end of the month to send them the total amount. I stopped payment on the checks so now I have to wait 3 business days to have my money sent back to my account and then I have to take time off of work which means lost income to go to Chase bank. I am so mad at them right now.

When I received the paperwork, it said I needed to include a check for $450 for the appraisal. As a single mom on a fixed income, I called Chase again to inquire as to what the LTV ratio would be and I was told 20%. Because $450 is a lot of money for me, I hesitate and asked my boss what he would do (he's the CFO of our company). He said it was a no-brainer -- that it would pay for itself in 3.5 months. I sent the check in and the appraiser came out and said based on the two comps in the neighborhood, it was looking very good.

He turned around the appraisal to Chase in 3 days. I am still waiting on a reply so I called them yesterday and was informed that I was denied as the ratio is 75/25. I would never have gambled with my money as I KNOW I don't have 25% equity. I called them today and they told me that a small amount of loans do require a different amount from the 20% and that I fell into that small percentage.

I asked why I wasn't informed of this at the start. I based my decision based on the facts, and the facts were incorrect. I told them it wasn't fair that I have to absorb the cost of the appraisal since they gave me erroneous facts. They said "it is what it is." What recourse do I have? I am definitely going to file with the Attorney General's office, and the Consumer Protection/Better Business. Anyone have any recommendations?

It took our specialist 2 weeks, to simply call us, to tell us she needed this and that, before she could proceed. We had already sent all required documents. This was an excuse. I am so disgusted with this bank. My husband has worked very hard for our modest home, and with having 4 children to care for, this is not something we should be having to deal with. DISHONESTY!!!

After that call, I thought I would never be able to access my mortgage records. I could not understand how Chase could deny me the right to access documentation about a loan in my name.

I decided to give it a try again, and when I called in, after a full 45min wait, I was greeted by a gentleman who asked me the same questions: I gave him the very same zip that I had given the first associate. Which was correct: he sent me an email with all of my statements. I found that my first call which with wait times was over an hour long was a complete waste of time. The second associate I talked to did alright: certainly not above and beyond kind of service. He was sufficient but highly scripted.

I work at a call center for a large bank, and if I would have behaved the way their associates had on the phone. I would no longer be employed there. Their wait times are ridiculous, I am not exaggerating it was a full 45min of "your call will be answered shortly" - and it's not even tax season. Chase clearly needs to train their associates more efficiently. They clearly do not care whatsoever about their customer experience. A 45min wait, just to talk to someone, is ridiculous even on a day with the highest of call volume. They obviously are understaffed: and do not care. As I have had high wait times on both calls and misinformation half of the time.

From my Chase checking account, I set up bill pay since 2006, not once have I been late when posting my payments. This automatic payment is going from Chase to Chase, that is why I set up the account with Chase. Their representative at the branch show me how to set this up when I opened the account. Since 2013 to 2016, late charges have accumulated. I have called the mortgage company from time to time, none of their representative brought these late charges to my attention. To add insult to injury, Marcus told that they can keep late charges on your account until the end of its term. Chase has found a way to deceive and rob their customers.

There was no power of attorney, duly signed and acknowledged, between Lend America as principle, and MERS as agent, as required by to applicable New Jersey laws, presented to the Plaintiff at closing or recorded. The mortgage recorded in or around August of 2007 and signed by the Plaintiff displays a Mortgage Identification Number (hereby MIN) ending in **. MINs are reference numbers for transferable records which are electronic negotiable instruments governed by NJSA 12A:9-105, and require disclosure, consent, and signature of the obligor the day of closing pursuant to the UETA and ESIGN, which the Plaintiff never received. The MERSCORP/MERS system proclaims to be the legal system of record that registers the owner and controller of eNotes, displaying an eNote number ending in **, not ** as displayed on the original purchase recorded mortgage lien.

The first seven digits of a MIN references the MERSCORP membership ID, the next 10 is the loan number, meaning MERSCORP member Ideal Mortgage possibly created at least two loans with the original purchase transaction. The Plaintiff purchased both a lender and owners title insurance policy, the former in favor of d/b/a Lend America. There were existing defects of record already upon the Plaintiff's title prior to closing, of which includes, suspect assignment instruments, cancellations, and missing assignments for loans pledged to the secondary market. Title abstractor and settlement agent Delaware Valley Abstract (hereby DVA) orchestrated the closing, and was the title insurance agent who issued coverage to d/b/a Lend America, the Plaintiff, underwritten by NJTIC.

DVA then paid off Wells Fargo from the proceeds from the seller for a mortgage instrument for which there is only a suspect assignment to Norwest, a company with its own tax ID number that was acquired by Wells Fargo, and there is no assignment and or transfer of the previous sellers mortgage and note to Wells Fargo. The settlement HUD also displays approximately $30k paid to four attorneys who were not present at the table, and all have address on the same street and or in the same location as d/b/a Lend America, and its parent Ideal Mortgage out of NY. The mortgage servicer from the inception of the original purchase mortgage loan was Wells Fargo Bank, N.A. (hereby WFB).

February March 2008 Discharge of the Original Purchase Mortgage, and Refinance on February 18, 2008 without the Plaintiff's knowledge and or consent. Without the Plaintiff's knowledge and or consent, the MERSCORP/MERS system displays a MIN referencing a refinance transferable record ending ** on February 18, 2008. In February of 2008, shortly after Feb 18, 2008, the Plaintiff received in the mail from Wells Fargo Bank, a letter congratulating her the payoff of the original purchase mortgage loan and notification the lien would be released. The Plaintiff, knowing that she never refinanced the original purchase, disregarded the aforementioned correspondence from WFB.

On April 22, 2008, the criminally convicted and defunct DocX, LLC of Alpharetta, GA recorded a falsely uttered, counterfeit discharge of mortgage instrument alleging that on March 17, 2008, non-document custodian MERS discharged the original purchase mortgage recorded by the Burlington County Clerk on 08/22/2007. Said discharge was requested by WFB, and displays the MIN referencing eNote ending **, not ** which is the ending numbers for the MIN referencing the eNote not registered in the MERSCORP/MERS system, but, inserted into the original purchase lien which was stamped Discharged by the Burlington County Clerk on or around April 22, 2007.

The Plaintiff continued making timely payments to WFB for the month of February, March, April, and May of 2008, unaware of the discharge of the original purchase recoded on April 22, 2007, or the refinance registered in the MERSCORP/MERS system dated February 18, 2008. WFB cashed the aforementioned payments despite the alleged discharge. In or around April of 2008, the Plaintiff received the first ever correspondence from Ideal Mortgage, the creator and controller of d/b/a Lend America, notifying her that servicing would be transferred from Ideal Mortgage who the Plaintiff never paid from the inception of the original purchase of Aug 10, 2007, to JP Morgan Chase (hereby Chase). With the payment due June 2008, the Plaintiff begin paying Chase, unaware of the aforementioned events.

Shortly thereafter, the Plaintiff noticed the statements sent from Chase showed a balance of approximately 152k, and didn't reflect the 16k she gave as a down payment towards the original purchase of August 10, 2007. Chase response to the aforementioned discrepancy was a shortage in escrow. In good faith, the Plaintiff trusted Chase and continued making payments unaware of the aforementioned discrepancies.

Ideal Mortgage was also issued Cease and Desist orders from different state authorities, including the State of New Jersey for mortgage fraud. Ideal Mortgages warehouse lines of credit were closed.

2011 2013. The Plaintiff, still paying on time, but experiencing financial difficulties, acted in good faith in her attempt to secure from Chase a modification, still unaware of the aforementioned discrepancies. Chase did not oblige, and no modification was granted. Unknowingly to the Plaintiff, on February 17, 2012, Chase caused a falsely uttered Assignment of Mortgage instrument to be recorded with the Burl. County Clerk dated 01/24/2012, alleging that non-document custodian MERS acted as nominee for d/b/a Lend America whose owner Ideal Mortgage was defunct as of the fall of 2009, without presenting a duly signed and acknowledged power of attorney pursuant to NJ laws, assigned to Chase the original purchase mortgage to ending with MIN **, the transferable record which is not referenced in the MERSCORP/ MERS system but inserted into the original purchase mortgage lien discharged by WFB and DocX as of March 17, 2008.

Said instrument was prepared by E. **, an employee of Nationwide Title Clearing out of Florida, and is currently party to a consent order issued by the State of Illinois who prohibited further creation of counterfeit mortgage related instruments. The person impersonating an officer of MERS is employed by Chase, the falsely declared assignor, as is the Louisiana notary. Said instrument also displays the MIN ending ** which is not visible in the MERS system, only MIN ending ** dated 08/10/2007 and the unlawfully converted refinance ending in ** dated 02/18/2008. Said instrument makes no mention of a transfer of the original purchase note instrument.

On October 23, 2012, the NJ Home Keepers Program recorded a second lien upon the title for the Plaintiff's property in return for paying approximately $47k to Chase on the Plaintiff's behalf. The $152k balance declared owned by Chase never decreased upon Chase's receipt of the monies from the NJ Home Keepers Program. Chase has sent me a mortgage payoff in the amount of 161,000.

Late Summer Fall of 2014. In the late summer of 2014, the Plaintiff was introduced by her fiance to his childhood friend, and arguably one of the best forensic and securitization examiners in the residential mortgage industry, who uncovered the discharge of the original purchase mortgage of 2007 by way of a counterfeit DocX, LLC discharge, along with a refinance dated 02/18/2008, referenced in the MERSCORP/MERS system ending in **, and the counterfeit assignment instrument dated 01/24/2012 referencing the MIN ending ** for the original mortgage instrument discharged by DocX and WFB.

On October 6, 2014, Chase faxed to Charmaine ** forensic examiner a serious of counterfeit documents including; An image of the original purchase mortgage displaying the whiting out of the discharge stamp affixed by the Burlington County Clerk; A forged and unrecorded modification instrument dated in 2011 displaying the unlawful forging of the Plaintiff's signature, referencing the unlawfully converted and unrecorded 02/18/2008 refinance, and Chase never gave the Plaintiff a modification; A forged and counterfeit paper note instrument dated 02/18/2008, displaying MIN ending **, referencing an FHA Case No. ending **, designating d/b/a Lend America as the lender, displaying the unlawful forging of the Plaintiff's signatures, and a stamp on page 2 of 2 presented as an endorsement in blank that is undated, and alleges a transfer by d/b/a Lend America by its alleged officer, Gwen **;

A forged and counterfeit HUD-1 displaying a settlement date of 02/18/2008, a refinance amount of approximately $137k, a settlement in NY which the Plaintiff never attended, and the forging of the Plaintiff's signature; Said fax also displays cover pages from NTC, and makes reference of Ginnie Mae; Said fax did not include a mortgage lien to accompany the unlawfully created, counterfeit paper note instrument dated 02/18/2008; Shortly thereafter, the Plaintiff forwarded both Chase and WFB QWRs and Debt Validation letters, and received in return from the defendants; Chase sent the same documents set forth above, along with; an altered version of the unlawfully converted, forged, unrecorded modification instrument; an unrecorded mortgage lien dated 02/18/2008, designating d/b/a Lend America as the lender, MERS as the nominee and beneficiary and or mortgagee under the instrument, MIN ending **, and the forging of the Plaintiff's name;

And a title insurance policy from Stewart Guarantee Company whom the Plaintiff contacted and the carrier declared the closing agent for the 02/18/2008 transaction, EAM, is not affiliated with Stewart; I, Charmaine ** spoke to supervisor at the Insurance Company and was told by the Insurance Company that they had no knowledge of EAM Land Service and he doesn't make enough money to get involved with this. I, Charmaine ** has an insurance policy issued by EAM Land Service in New York on behalf of JP Chase and Ideal Mortgage bankers d/b/a Lend America.

Wells Fargo sent; An altered version of the original purchase mortgage displaying the whiting out of the discharge stamp by the clerk; An alleged true copy of the original purchase note displaying on the last page a stamp presented as an endorsement in blank that is undated, and alleges a transfer by d/b/a Lend America by its alleged officer, Gwen **, the same imposter appearing upon the unlawfully converted refinance note dated 02/18/2008 forwarded from Chase; On or around September of 2014 I, Charmaine ** sent a QWR, Qualifying Written Request to JP Chase and Wells Fargo requesting information about my loan. Wells Fargo and JP Chase has not issues a qualifying written request information as of this date, February 26, 2016.

On or around September of 2014 I contacted JP Chase and spoke with their investigation department to inform them that I didn't refinance my mortgage and that my signature upon the paperwork they sent me with my signature has been forged. They informed me that they would investigate this matter and get back to me. I have not heard from them as of this date in regards to this forged signature on a refinance of my property. JP Chase has ignored all my request as of September 2014 in regards to the fraudulent signature of the refinance on my property. JP CHASE continues to send mortgage statements to my home in regards to amount due and I never refinanced my property with Ideal Mortgage d/b/a Lend America or JP Chase. This has caused immense stress in my life as I could lose my home to a fraudulent transaction. I have searched my credit report and there is no record of my loan with JP Chase provided since April of 2008.

On or around November 2014 a lawsuit was filed in New Jersey Burlington County Superior Court on my behalf against JP Morgan Chase, Wells Fargo, Lend America, EAM land Service, New Jersey Title Insurance Company, MERS Corp, Black Knight Financial and New Jersey Homekeepers program to get resolution of my fraudulent mortgage transactions. My lawsuit has been dismissed without prejudice due to having incompetent representation twice in the state of New Jersey and I am still seeking resolution of my mortgage loan.

I have spoken with Chase filed criminal complaint, went to New Jersey Attorney General's Office and also filed a complaint with Consumer Protection Bureau which forward it to Office of Comptroller. I have not gotten a response as of yet about what is going to be done about the forging of my name on a refinance mortgage. This has caused me a great deal of stress and it has been two years since I found out what happened and I am looking forward to the day this is resolved.

Many of my checks were put in "other columns" checks were NOT documented with the full payment and marked NSF, even after showing proof with the cancelled check, checks were not applied. I always sent checks in the middle of the month and frequently sent two checks to pay ahead. These checks were held and NOT applied and in some cases ONLY one check was documented. I had an Escrow Waiver for both Property Taxes and Home Owners Insurance, but both WaMu and JPM/Chase Violated the Waiver and had Corelogic pay the taxes. My City Treasurer sent checks back as I was NOT delinquent in my taxes.

The County Treasurer also sent checks back UNcashed because my taxes were paid. WaMu and JPM/Chase would not credit my accounts with the returned checks, instead took my Mortgage Payment Checks and put them in the Escrow Account and NSF in the payment column and the Interest keeps being added. Every contact I have made with the Columbus, Ohio Office and ask them if they reviewed my ONE INCH thick envelope of documents that I sent in December 2014 to refute their falsification of my payments, they all respond with "NO" - they had NOT viewed them, but were just listening to their "co-workers" story about my account. Since I sent proof of JPM/Chase employees altering my payments from 1992 through 2013 the MONTHLY copies I had been receiving during 2014 stopped. I guess the TRUTH staring them in the face was a SHOCK!!!

All communication STOPPED, NO ONE would talk to me, no matter how much evidence I sent to numerous offices, all I received were a constant weekly letter giving a date when JPM/Chase would have an answer. I still have NO answers as to why they falsified my payment record and continued to add interest daily. I contacted the FBI Mortgage Fraud, Consumers Financial Protection Bureau, US and MI Senators and Representatives, US DOJ, US AG, NY AG, MI AG, OH AG where the Falsified Records came from, MERS as when JPM/Chase started servicing our mortgage in October 2008 - they NEVER had the MERS despite my complaints until April 2014.

I contacted Fannie Mae, as JPM/Chase stated they were the Mortgage holders. Fannie Mae constantly and consistently DENIED holding the Mortgage by letter and email and phone. May 2007, I sent an extra $1,000 Principal Payment, it was ADDED to my balance, plus interest all these years. Frequently I added an extra $100 check along with the extra payment in my Mortgage Statement - these payments never appeared in the payment column, nor deducted from the balance. JPM/Chase has PAID over $20 BILLION Dollars in fines for their criminal actions by US Agencies, Government, EU Government, Companies, etc. whom they have cheated.

JPM/Chase has paid over ONE Billion Dollars in Legal Fees. The Michigan Supreme Court Ruled in December 2012 that $3.75 BILLION Dollars of JPM/Chase Foreclosures were Voidable since they were done by "robo signers" and illegal signatures. Schneiderman & Sherman, Farmington Hills, MI where the Foreclosure Attorneys hired by JPM/Chase. The Foreclosure was in our weekly paper the exact same day that an employee of JPM/Chase told me that there was NO Foreclosure planned. The Foreclosure Attorneys REFUSED to give us the amount to pay to STOP the Foreclosure and Sale of our home and property. It took us THREE weeks to get an amount, so that the Law Firm could keep raising the costs.

I went to DHS and VA for help since I am very ill and unable to work. The VA immediately contacted S&S via email confirming that both DHS and the VA would pay the back payments and all the foreclosure costs. JPM/Chase brought in a "negotiating" Law Firm. Dykema Law Firm, now the largest Law Firm in Michigan. Since we were having so much trouble with S&S getting the amount and the constant increase of costs, Dykema Law Firm stated they would put a "FREEZE" on the amount owed, since the DHS and VA assured payment. The Freeze NEVER happened and Schneiderman and Sherman continued to add more charges.

The VA increase the amount three times to accommodate these increases. We were then told that the amount paid by DHS and the VA did NOT cover the costs. I told BOTH Law Firms that if there were any more increases that we would pay them. BOTH Law Firms REFUSED to give us the amount, stating they were "negotiating" with JPM/Chase to pay the rest of the increased added costs as NO freeze was put on the assured payment by two Government Agencies. Dykema Law Firm sent us a Contract/Agreement to sign.

We REFUSED as it was full of Lies that they wanted us to agree to. We signed absolutely NOTHING and did NOT agree to anything that Dykema Law Firm tried to force us to sign to cover up all the ILLEGAL Falsification and Fabrication of everything JPM/Chase and WaMu had done to our Mortgage. It was also an ILLEGAL Foreclosure as all the money we paid, plus all the added illegal interest applied and all the payments that did not get applied, the balance of the mortgage was ZERO, plus JPM/Chase OWED us money!!!

Months after the VA and DHS assured and paid the back payments and foreclosure costs in September and October 2014, I received my April 2015 Mortgage Statement. All the Foreclosure costs, the back payments, Corporate Costs, Broker Fee Costs and numerous other costs were added to the mortgage balance. Approximately $13,000 added costs were in the Statement, plus the balance of the Mortgage. The Foreclosure Attorneys, Schneiderman & Sherman NEVER applied the VA and DHS checks to the Mortgage to take us out of Foreclosure. The Foreclosure listed for our home to sell by the County Sheriff stayed on the County Public Bulletin Board until November 7, 2014.

The VA and DHS checks were instead they transferred the money to Dykema Law Firms Accounts and NEVER applied. June and December 2015, JPM/Chase hired Nations Valuation Services and ProTeck Valuation Services to do a Broker's Price Opinion on our property. I received the documents in January 2016. Summer 2015 and Winter 2015 Property Taxes were paid by JPM/Chase through Corelogic Tax Service. My Property Taxes were NOT delinquent. I've been in contact with Corelogic and both the Valuation Service Companies asking them if they knew they were in Violation of our Rights by what they were doing to our property???

March 22, 2016, I received three (3) envelopes, each costing $6.95 per envelope with the exact same falsified documentation and propaganda that JPM/Chase continues to spew out regarding our mortgage, despite the fact that we have repeatedly sent them the ORIGINAL Documents showing PROOF of their LIES, Fraud, Corruption, Falsification and Fabrication of payments, violating my Escrow Account by paying the property taxes, stating they were delinquent when they were NOT. JPM/Chase Executive Offices in Columbus, Ohio, nor the numerous other JPM/Chase Office across the US have NO Data Base as I would receive different information from the different US JPM/Chase Banks in different states.

Lee Raymond Chairman of the Board at JPM/Chase has been on the Board for 28 years throughout all the criminal actions that JPM/Chase/Jamie Dimon, CEO have been found guilty of and paid over $20 Billion in fines. Lee Raymond it should be noted was also at Exxonmobil from 1963-2005, during that time frame, Raymond was the most outspoken US Executive against Climate Change. Look now at the investigations being conducted against E-M and all the documents showing proof of fraudulent reports during Raymond's apparent time at ExxonMobil. Another JPM/Chase Board of Director William Weldon, was the CEO at Johnson & Johnson when the Toxic Products were being manufactured and now people are dying of cancer with multiple lawsuits against Johnson and Johnson.

Weldon was "let go/fired???" from J&J and where else does Weldon have a spot on the Board of Directors??? On Lee Raymond's former company Exxon-Mobil. When Raymond left Exxon-Mobil he left with the largest Retirement Parachute in history. When Board of Director Members go from one corrupt company to another, HOW are we the VICTIMS to get any form of justice??? Then take a look at Jamie Dimon, CEO and everything he did to generate the $20 Billion Dollars in fines.

Since 2008 with the collapse of the Mortgage Industry and Wall Street and MILLIONS of innocent victims were at the Mercy of GREED and POWER and despite the fines paid by numerous guilty companies, NOTHING has changed. Reading the numerous letters of the people filing complaints, JPM/Chase goes right on cheating their customers. 2015 headlines read that employees at JPM/Chase embezzled millions of dollars from customer accounts. It NEVER ends. With JPM/Chase ~~~ WHERE and WHEN do "We the People" who pay our payments on time and honestly get some justice???

We are the VICTIMS of a Corrupt and Criminal banking system of JPM/Chase. Look up JPM/Chase Rap Sheet of criminal acts, all listed on the Internet. WHERE is the Securities and Exchange Commission who investigates companies who sell stocks??? They should be investigating HOW JPM/Chase manipulates payments to enhance their Profit Margin. WHERE is the Office of Comptroller of the Currency who are suppose to oversee how Banks do business??? WHERE is the US AG and all the other Agencies who have been started to help "We, the Victims" of Mortgage Fraud and WHY are all these Agencies OVERLOOKING and IGNORING the fact that NOTHING has changed.

Hands were slapped, fines paid and it was back to doing illegal business to their customers as before. Since 2003 when WaMu took over our mortgage and since 2008 when WaMu went bankrupt and JPM/Chase took over WaMu's servicing of the mortgages I have been in a battle for HONESTY and JUSTICE for the money I paid on my mortgage and all the extra principal and all the illegal paying of my property taxes and lying that I was delinquent when I was not. Why paying my property taxes in 2015??? Why sending companies here to do a Broker's Price Opinion in 2016???

Anyway sure enough Bank of America beat the rate by 50 BPS 3% so I went with them. I looked at my credit report and saw that the "CHASE" ran my credit several times!! I think the guy did it out of spite!! Beware consumers!! Not happy with the vindictive profiling by Chase. I am Hispanic by the way. Not that you could tell by appearance, just by name of course. He couldn't tell over the phone.

I would like for the research department to please explain why my loan amount has not gone down but $4,000 in the past four years after the modification, that is a $1,000.00 a year toward my principal. Please explain why my mortgage loan amount became $112,000,00 for doing a loan modification, please explain why did Obama allow the banks to rip people off like this. Please someone explain this.

In fact when I was working... I was working at a law firm in New York City for 20 years when our economy crashed, and most of the staff were laid off... I would make an extra payment on my mortgage to reduce my principal. I worked two shifts at our law firm for years and one day on the weekend to make sure we would be all right and I would be able to put food on the table and take care of my children, and pay the bills... And of course, one of the main concerns was to make sure our home was safe. Thank God our law firm is open 24 hours a day and there was always a lot of overtime. However, in 2014 I got the shock of my life. I received notice in February 2014 that Chase went behind my back and paid my property taxes and they informed me that my monthly mortgage payment of $647.77 was going to change to $2 119.99 a month starting May 1, 2014! I was so shocked I could not believe it!

I went to my branch and spoke to an officer and showed him the letter and he called the Mortgage Department and asked them what was going on. The person from the Mortgage Department told him that Chase received a call from the Town of Huntington telling them that I was delinquent on my property taxes! The Branch Officer told me when he got off the phone that we had to work quickly. I told him I was going to speak to the Receiver of Taxes, and the County Treasurer's Office to find out what was going on. I drove 30 miles to the County Treasurer's Office the next day and was told "Absolutely Not! That was False!" They told me that they do not know which bank a homeowner has their mortgage with, and they have never, ever, called a homeowner's bank! The Receiver of Taxes said the same thing.

In fact the Receiver of Taxes, herself, told me that the Town knows that Chase, and other banks, DELIBERATELY cause trouble, to force their customers to escrow their property taxes so they can charge them a lot more money! CHASE BLATANTLY LIED! I guess they never thought I would check up on them! I also contacted my former boss right away and told him what Chase had done. He was a Litigation lawyer at our law firm, and was laid off a week before I was. He was so shocked and said he would do everything he could to help me. He wrote them and called them for five months before he got Chase to stop escrowing my taxes. He requested that they add the money they paid the Town, without my permission, to the end of my mortgage and keep my mortgage the same and they refused. Instead, they spread the money over five years and raised my mortgage to $805.85.

Just before July 4, 2014 I received a letter from Chase saying they were stopping the escrow, but that they would be watching me. In the meantime throughout the whole five months I was receiving letters from different locations of Chase saying I would lose my home if I did not pay them the higher monthly payment they were demanding. These letters were coming from different states and seemed totally disconnected... as though the right hand did not know what the left hand was doing!!! In 2015 I did not have a problem with them so I thought, thank God! However, when I went to the County Treasurer's Office January 29, 2016 to make a payment on my taxes, I was informed by them that my taxes were all paid, and I did not owe anything! I could not believe that Chase did it again! When I explained to the person helping me what Chase had done in 2014... and now again... they were very upset and told me to fight Chase!

They are not backing down, and are now forcing me to pay more than double what I was paying before... $1,716.63 as of May 1, 2016!!! They are ruthless, cruel and abusive and must be stopped! Everyone who has been hurt and abused by Chase has to do something to stop them. If we all join together and take action something will have to be done. They have to realize that they cannot continue their cruel, unjust, abusive actions toward their customers and get away with it. They have to be held accountable, and they have to reimburse us for all the pain and suffering they have and are causing us. If we do not do something to stop them, and the other banks who are doing terrible things to their customers, because they do not care, and because they think they are too big to fail, they will continue doing what they are doing and making more people homeless. We cannot allow this!

Before their first attack against me in February 2014, I was in my Branch one day and I asked one of the Branch Officers what would my monthly payment be if I escrowed my property taxes. He did a calculation and then told me that it would be approximately $1,700.00. And then he told me in confidence "Do Not Do It!!! Because if you cannot maintain the increased monthly amount, CHASE WILL FORECLOSE YOUR HOME!!!" This is what a Branch Officer in my Chase Branch told me!!! Another female Branch Officer told me after the first Chase attack that she did not escrow her property taxes!

I want to quote a paragraph I read in ChaseChase.org - "Banks are scooping up homes at a rate unprecedented in human history. Not even Genghis Khan or Adolf Hitler succeeded in driving people out of their homes at the rate of a million households per year, dislocating millions of people. The 21st century wars are economic! Over 2,076,764 American homes are now in foreclosure! That is 5.4 million people!" After our economy crashed in 2008 with 23 million Americans out of work, Chase paid its executives $29 billion in bonuses for 2009. The highest ever paid by the bank, and an increase of 28% from the previous year, when 1,626 JPMorgan bankers took home bonuses of more than $1 million each! The Bank also received $25 billion from the US Treasury's Troubled Assets Relief Programme (TARP).

And... don't let them persuade you to apply for a loan modification... which they also suggested to me... because many who have applied for a loan modification, while waiting for it to be finalized, found out to their horror, that instead of doing the loan modification they had promised their customers, Chase instead foreclosed their homes!!! We cannot let this continue another minute longer, because it will only get worse! We have to all join together to fight this evil that is destroying our peace, security and happiness, and before anyone else is made homeless! Please count me in... but we have to take action quickly!

I have sent in numerous papers showing my name as the estate owner (as joint tenants, the estate passed on to me) and they keep asking for more and more proof! Even after I showed proof my estate is up for sale so we can pay off Chase mortgage, Chase allowed Trustee Corps to put a "foreclosure" notice under my listing on Zillow. That in itself is an act which has the potential of sabotaging my sale as the "vultures" seeing the foreclosure notice will WAIT to act. And other potential buyers could be a little leery of such a listing property! Chase has done everything it can to hurt me, rather than help me trying to get things made right between us and Chase. I look forward to doing business with Bank Of America after the sale is completed and leaving Chase for good.

When I called their credit department - they said I didn't need to know and said they wouldnt give me the information because it was private?? I was pissed! They used my name on this mortgage for 11 years and held up my credit with a 155,000$ mortgage?? When I told the employee I wanted copies of who signed my name off this mortgage they sent me some application documents that you receive when anyone applies for a new mortgage?? Chase bank is fraudulent and breaches your securities. This is one bank to stay away from. Biggest Predatory Lenders!! I will be looking for an attorney to get involved and will be going back to family court to see what original judge has to say. Bad banking business ever. Frauds.

This time they said our finances were such that we should be able to make the payments but first we had to pay the amount in the arrears, which is $12,000. We were told not to make payments while the modification was pending and it took them so long that now we are so far behind. We asked if we could just refinance or put those payments to the end of the loan and they said no. Now we are in danger of losing our house. No one wants to lend us $12,000 to pay back mortgage payments. I may soon be 60 and have no place to live. By the way I did not originally finance with Chase, our mortgage company sold our mortgage to them.

The clerk (Jeannette ** Mortgage Banker Assistant at Chase) she does not deserve even this title, was incompetent, could not read what needed and asking same things over and over. Once again it shows that Mortgage and Loan industry needs complete face lift. Working in this day and time in such way it absolutely unacceptable and I am not mentioning the so-called "Customer Experience". It does not exist at CHASE!!! I would not recommend you to work with this lady or even Chase. Overall rates are average. You can always find a more competitive and better ones and service is lousy, so it's lose/lose.

In 2000, I had the privilege of owning a home, and I did it all by myself. My home is everything to me. So in 2013, I tried for a modification on my mortgage. Now I made 24000 a year. At first, Chase would not help me because I was current on my loan. I had to be behind to qualify for anything. It took forever, and I kept getting further and further behind. The end result was I only qualified for one mod. If I was unemployed, had drywall problems... the list goes on and on. I would get a mod but not if I'm disabled. They were going to foreclose so I signed it. Then they sent my mortgage to Seterus Bank.

In 2013, it just kept getting worse. You can't stretch what ain't there. I tried again for a mod. Got turned down by all but Fannie Mae. My income to mortgage percent was not adequate. Now, all I needed was it to be lower by 200 in which to live. Poorly but it's doable. Seterus bank ended up upping my mortgage by 150. So at 1250, I was eating out of a dumpster, at 1350, I don't eat. I get 15 dollars in food stamps because I make too much money.

I looked back at my Chase statements and noticed they added 28000 to my principal. How did I miss this? I was scared of losing my house. Last week, I reported it to the OCC and BBB. I got no answers from Chase after 3 days and 9 hrs on the phone. Here I sit waiting for them to tell me why they charged me 28000 for a modification and charged me 10000 in Corp adv fees. Yesterday, they sent me a letter stating why I was turned down for a modification, but I wasnt. No one will answer. My cable and electric are going to be shutoff. All I needed them to do was lower my mortgage by 200 and I could do it.

A package came in the mail a few days later, very well organized with all the forms to be signed and faxed back. We were also sent an email with a link to the part of the application that could be done with electronic signatures, which we completed immediately. We had to go out of state for a wedding the next day and thought we would look over the 40-page package and fax it back when we returned. The day we got back, and after I spent $40 faxing 30-some pages, I got an email from the mortgage guy saying "unfortunately your rate has expired and we aren't going to get a Pre-Op pass. At this point you must wait 60 days from today to complete another application or you will have to pay a re-lock fee." He didn't say what the fee was. I was furious to say the least. I could not believe Chase did not want our business.

When I called him back he said the rate is good for 7 days only! Whoever heard of such a thing! Even though the application stated the rate was good for 60 days! I've been a Chase customer for over 10 years, checking, savings, and 2 mortgages. I called him and he said that the rate is locked only for 7 days because "it costs Chase money to lock in a rate for longer than that". I would like to know, what money? We are paying the mortgage that Chase is making its money on! They just lost a good, high credit rating customer.

After almost two years, they catch their error and expect me to come up with the cash with little notice and in a short time frame. I was willing to pay, but Chase was not willing to work with me. August 2015 sent completed documents to Modification Specialist (Denise)...left messages/spoke with others in call center, no one able to provide status. October 2015 received a call from my new specialist, who informed me that Denise quit two months ago. From August 2015 to October 2015 my loan went to foreclosure status. The reason given "your account shows that Chase was unable to make connect with you". So I had to resubmit the modification request.

I finally got some results after I complained to the Better Business Bureau. The bank finally gave me the payoff and I paid it the next day. I then received 5 letters from Chase explaining why I was delayed, then 5 from their attorney stating the same, then I received a bill for my first payment. It is April 2016. So I was only 3 months behind. Chase filed foreclosure in January based on me being 7 months behind but the 7 months included January up to April. That is why they would not allow me to pay. They wanted to force me into foreclosure or refinancing. I only have 8 more years left on my mortgage so they are not getting interest anymore, only principle. They are corrupt and immoral, unethical and I will never do business with this bank again.

This was no small task as the property was on a steep hillside and working alone, I stood the chance of losing my grip on the holding tank which would have tumbled down the hill forever lost! In short, I spent a large amount of my hard earned money & 10 years of my life doing things like “new construction install” for picture windows, new ceilings and flooring etc.

Then, in 2010 I was diagnosed with COPD and Complex Sleep Apnea. In 2012 heart attack and severe allergies that no doctor could deal with though they tried! In 2013 at the relatively young age of 65 I could no longer continue to work. I’ll admit I made some mistakes on some of the mortgages I had over the years but the one that killed me was with Chase Bank! Looking back, my most serious shortcoming was not getting an outside analysis of the paperwork when refinancing. I trusted them!

In 2014 Chase closed in on me like an ambushed stage coach in the Wild West! They were close to impossible to reach by phone and rude and aggressive when I did talk to them. Even when I explained on multiple occasions that this was a 40 year family home, they proceeded in a robotic emotion free manner until I was faced with foreclosure or short sale. I chose short sale and the effect on my mind and body has been near catastrophic. Today, I am a full time RVer! Quite frankly my modest pensions are simply not enough to even cover rent in the city of San Diego where I have lived all my life. I was driven out of the city I loved by an economic system I supported all my life!

My health issues are not going away and lingering emotional issues are something I have had to learn to deal with 24 hours a day! I had no idea a man could be so attached to a house like this! I use what amounts to thought control to get through the days and looking back it seems that Chase Bank could have easily helped me stay in my home but instead they chose to sell it to a stranger for ONE HALF of what I owed!

When banks give out toxic loan we bail them out but when people who qualify are denied loans based on some underwriter making a call without understanding the intention of the customer, I guess it is time to say good bye to this financial institution with whom we have been loyal for 15 years. This is how the loyalty is paid in return. Please do not waste your time applying for loans with this financial institution.

We were told that we did not qualify only to re apply, so we would reapply and they would tell us again to resend or they didn't receive the paperwork. (Our thoughts are you kidding me??) I became so frustrated, tired, and outdone with the whole process and decided to allow my accountant to take over, and they did only to keep getting the same outcome. Now as of this month our home have been foreclosed on and my family and I are being forced to vacate and we will have to separate as a family.

How emotionally unstable for the children who are still in school and now have to uproot their residence to the unknown?? I feel that our rights as citizens have been terribly violated and have caused mental, physical and emotional stress for not only myself but my wife and children also. Having to give up the only home that they could feel proud and safe in. I want the board of directors and investors to know how Chase mortgage is handling business and the amount of money they are losing because people are not doing their jobs and how much they are hurting innocent people who have tried to do what is right to no avail or satisfaction. Is there ANYTHING that we can lawfully do at this point?

We quickly applied to SunTrust, a professional organization, which saved the day, made a commitment we could rely upon and closed the loan on time in three weeks from the date of our application. And, to cap it off, Chase approved the loan, at an amount hundreds of thousands less than we asked for and SunTrust approved, a month following our closing. Better yet, the Chase "approval" had more than 20 conditions that made it worthless. It was shocking to see that a large financial institution like Chase was staffed by rookies dealing with its significant business customers. We are moving our accounts from Chase to SunTrust, of course.

So here we are 2 years later, we had been receiving on a bi-weekly basis delivery from UPS, letters from Chase to refinance our current loan and that we qualified for HARP. We have paid our loan down substantially and against our better judgement we decided to call them and discuss the option for the HARP loan whereas the decrease in our rate was around 2%. The loan officer convinced us that it was easy to do and no money out of pocket for us. We have never missed a payment and in fact paid one additional payment every year. We decided to do it. The rate was locked in until December 20, 2015. We received all the paperwork and signed and sent it back the next day. As we approached the December 20th day the loan officer stated that they were still waiting on the sign off from our 2nd mortgagee.

I called the 2nd mortgagee and they advised that they hadn't received anything. They gave me the email and fax number Chase could send the paperwork to and they would kindly expedite for us. I gave the information to Chase. To date, our 2nd mortgagee has not received anything. I called Chase prior to the December 20th date and the loan officer advised they could extend the locked in date of December 20th for small charge of $300. I advised him we will not be paying any money to Chase and that they needed to get this done by the date that they advised us they could, which was December 20th. To date, we have not heard a word from them. We have been duped by Chase Mortgage twice except the 2nd time they have not received any money from us. We feel they are scamming their clients to obtain fees.

I have contacted them for status on resolution of this case and keep getting pushed around with no updates. I have spoken to many Escalations Sr. Specialists and the policy is to contact consumer back within a 5 day period with status and this has not happened. Furthermore, I'm being told that each and every time I call for status this pushes the time back for JP Morgan Chase to respond. At this point this is very frustrating that all I am being told is to wait, when the memories of my parent's home and their possessions have been taken unlawfully. As a consumer my rights have been violated and it seems this major company is not willing to provide any type of response to resolve this overdue issue. In addition, Ms. Tanisha **, Sr. Specialist from Escalations Department has been belligerent, rude and combative in regards to this issue and has refuse to provide any updates or answer my calls.

I received at least 8 Good Faith Estimates, all with escalating closing costs. Every week a new email requesting new items. Not good enough to just give them the wife's Social Security Number, no they want a copy of her SS Card, not good enough, "we need her to sign this authorization form." Idiots. They even screwed up getting my tax transcripts from the IRS, causing the IRS to send me a letter saying someone was attempting to get my transcripts. I had to put Fraud Alerts on my accounts.

The local rep at the branch had no idea what was going on, he would only check when I called to ask what the hell does this request mean? The idiot woman Summer in Phoenix would not even check her email to see if the items she requested were there before she sends me yet another email asking for "Certified" transcripts. I'm glad to be done with these morons. Having bought and sold numerous properties in my life, I must say I have never encountered a bigger group of incompetent idiots. It is a wonder they get anything done. STAY AWAY FROM CHASE!!

They continuously asked for the same documents and then Sat on the file until it was almost past the thirty days they have to make a decision. Everyone I talked to at chase told me something different to pacify me and keep me held up when I could've been working with an efficient mortgage company. I am so done with chase and want everyone who will listen to know that Chase is not a company anyone would want to work with. I have a checking and savings and credit cards from Chase that I will close immediately and go to any other bank. I will never work with Chase again.

This effected three families and eventually cost me $10,000 to pay for a place to stay while I waited to close on a home. I will never work with Chase again. They were nothing but trouble. Now they have a lot of my personal information that I don't trust them with. The only solution to this problem would be to not spend another second or dime trying to do anything with chase. I'm so infuriated with this process that I am considering talking to a lawyer to pursue litigation in this case.

Needless to say this went on and on and then when I was trying to make payments he told me I could only make the payment with him and not via any other representative. I couldn't contact him prior to me having surgery, and when he did call, I was under medication and could not speak. At no time did he tell me that my home was is foreclosure at that point. I ended up having to pay their attorney fees and past due fees to get my home out of foreclosure.

They set me up with a new representative that did the same thing when it comes to contacting you to inform you of important necessary documentation. They just put it in the mail to you, so you miss your deadlines. So I had to start the process over 3 times since August 2014! Then they send me a decline with no reason why, with only informing me to contact an attorney or realtor to conduct a short sale of my home for me. Keep in mind, since the foreclosure they had informed me to keep my monthly payments made while in underwriting for the modification.

So I called and went off on them and they sent me to their Executive Office, which is a joke as well. Then I received the same as the other person, a letter of Escrow Shortage and being required to increase my payment. The following week I received another offer to start a decreased payment plan for 4 months consecutive, which I agreed to. I called and their representative told me I should still make my October payment. When I did so, finally the representative that handled my case, which never returned any of my calls, called me to say I was being dropped from the program since my account was current??? I called and informed them my account had been current since April to get it out of foreclosure. So, now I have to start the process for a 4th time since no one knows what the hell to do at Chase Mortgage. They want your payment or your house!!!

They are horrible in helping and providing EXCELLENT Customer service to anyone. Whenever my credit scores increase and I am out of time frame for filing bankruptcy, I have to get my mortgage away from Chase. I will never recommend anyone to do a Mortgage loan with them at all. I should have known this would happen to me. I helped my friend complete her modification 3 years ago and it took her/us 7 resubmissions to get her done. What is sad, is that they feel that they are doing everything right and you are wrong as the client. Even when you do as I did, follow their instructions, I am still in the wrong or misunderstood what the representative told me. The government needs to go in and investigate how they do business and take people homes or cause them to go into foreclosure due to their incompetent staff.

Well now they are foreclosing on my home!! This all happened the last week Oct. 2015 and I honestly don't know what to do or who to contact. I have read about so many news stories, articles and so on about the numerous scams, lawsuits, etc that involve Chase and the home loan modification and think it's truly disgusting how they have and still are taking advantage of homeowners. There's no telling how many people have lost their homes because of Chase/JPMorgan and their PURE GREED!! I pray they all pay for what they are doing someday very soon!

The only surprise is that in 2015 the average individual who banks with you is still being led to believe that they will be prioritized, respected, informed and communicated with. Anyone can lend money to someone who is solvent, but that is not exactly what people need in their pursuit of home ownership. Communication and truthfulness is it, that is all. Stress doesn't typically come from one's desire to look at homes or from my inability to negotiate a deal, it comes from the lender. So, much like every other real estate professional who takes their business seriously, I will continue to share with the public all of the reasons as to why you will probably not be the best choice when purchasing property.

Today, October 16, 2015, we received a certified letter in the mail that we have not made our loan payments for 7-months and Chase would begin the process of putting our home into foreclosure. We immediately called to inquire as to what happened with our modification program and were told they never received our final documentation with our signatures on it; therefore, our modification program had been cancelled (they said they called us, but would not give me a definite number of times they called and we never received a letter stating this was going to happen though they claim they sent numerous letters). They did admit that they only called my husband's cell phone and kept claiming that I was not an authorized contact, but he filled out authorization paperwork 4-months ago so that I could be contacted/spoken to by Chase Mortgage. We also gave verbal authorization on more than one occasion.

Our only notification that we were being put into foreclosure was today's certified mail stating "Acceleration Warning (Notice of Intent to Foreclose)." We immediately called Chase Mortgage. Where we were told again and again, "This is not a Chase error." There is nothing they can do to help us. After reading previous comments, it seems that Chase Mortgage has a history of losing paperwork and delaying mortgage documents. Throughout this process, we tried time and again to e-mail (thus, we - the borrowers - would have proof that we signed and sent the required paperwork on time), but we were told they would not accept any documents that way.

We talked to numerous customer assistant specialists as the one assigned to us was never available throughout this process, we made the payments, we signed the required documents only to find out that since they "claim" they did not receive my husband's signature. We are now in arrears for 7-months mortgage, because our "trial program" has been negated. When we started the mortgage modification we were only 3-months behind on our payments.

Please know that while we were behind on our mortgage we sought out help through Chase and this is how we found the mortgage assistance program (to our relief). For our 3-month trial period payments we made them on time. But we have come to find out since they negated our trial period our mortgage payments do not go toward our mortgage. Chase told us today, that due to the trial payment being less than what our mortgage actually is it is as if we never paid our mortgage. Thus, in Chase's system we never made payments even though the trial money we did pay goes toward our mortgage payment. This makes absolutely no sense. So now, we sit at being behind on 7-months mortgage as well as being faced with foreclosure. You should know they will not take our October mortgage payment unless we pay the amount due in full (this is why Chase is stating we are 7-months in arrears).

This is unacceptable. And heartbreaking. We did everything Chase asked (sometimes three or four times because Chase would say it was not correct or they did not receive it) only to have Chase not help us and claim they never received my husband's final signature. We cannot prove that we sent the documents because we used Chases pre-paid FedEx envelope and Chase claims it was never used. Today we found out there was no way to stop the foreclosure unless we came up with the 7-months of mortgage owed.

Finally, Chase said we could start the modified mortgage process again by filling out the paperwork once more. We were told the original paperwork my husband filled out, signed, sent in, and Chase currently still has on file has been canceled and cannot be re-used or re-opened for a new modified mortgage application. They said it is a process that we have to start once more, but could not help us by expediting or rushing our requests. I only mention this because Chase told us this possibly could help us stop the foreclosure, if our paperwork for our second modified mortgage application gets done before the foreclosure documents.

They will not expedite. I kept being told by Chase that this modified mortgage application is a "process" where we fill out the same paperwork we previously did, send it in (but you have to be sure they receive it. We went to a Chase branch to have it faxed today, but even then they could not give us a "fax receipt" letting us know Chase actually received the documents), where it goes to a processor for review. After the processor reviews it then it is passed on to a pre-underwriter, if they approve it after review, it then goes to the underwriter. Then and only then can the underwriter determine if foreclosure can be stopped. The first time we did this modified mortgage application it took over a month to go into the system.

I do not have hope that our home will not go into foreclosure. It is egregious that a company such a Chase can be so casual about documentation that they lose it, claim they never received it, and only help us with, "this is not a Chase error" even though they cannot prove to me that they did call my husband to notify him of never receiving our last needed document. Where were our letters notifying they have not received our final signature? Where was an e-mail (again, they said they do not e-mail, so they cannot be blamed for not notifying us)? In this day and age with all the technology we have, there is no excuse to not be able to get in touch with somebody, anybody (me, his wife) especially with such an important issue where a family could and can lose their home.

I do not even know what to do about this and I only found these reviews after we received the foreclosure notification and talked to several people at Chase (again) today. If I can possibly help someone by not having them encounter the horrendous customer service, or advise to send all pertinent documents through a branch office via fax (get a screen shot of verification it was sent/received), or in the very least have Chase sign for the mailed documentations by paying for your own FedEX/UPS/USPS return receipt (I highly recommend to not use their paid for envelopes as they can claim they never received it and/or that the label was never used/tracked), then maybe I accomplished something today.