Chase Mortgage Reviews

There were no notes from the client relationship manager regarding our conversation about the approval. I have never been able to speak with him again. Since then, I have been applying for a modification and each time I have been denied. Every month that has passed while my paperwork was under review was another month I became past due. Now, it's been 14 months. I have reached out to every website, every attorney that says they can help but many have led me to scams or attorneys asking for ridiculous retainer fees.

If I had that type of money, I would pay Chase. I reached out to the HOPE Hotline; it got me no where. I reached out HUD. Chase really didn't communicate with them either, and when they did they gave ridiculous excuses and my worker didn't have the fight in her to go against what they were saying as a reason for my denial. I'm at the end of my rope. My health suffers because of this stress. How can a single parent go against 'lenders'? The housing market is being taken advantage of with scams, attorney's making false promises, and HOPE Hotline that has been useless. HUD for FHA loans that has been useless. Is there any hope? I don't know, but as a single parent I have very little left.

I'm terrified every day to come home and find my locks changed on my home. People come by every day claiming to be representatives of Chase taking pictures of the outside of my home. I'm terrified that if they foreclose the fees they will charge me will ruin my life and my credit. I can't find anyone that will help. Buying my first home was a dream but now it is a nightmare and partly because of Chase. I wish I had never become a homeowner. There is no hope for homeowners fighting against Chase.

I think all of us should file a class action suit against them. I have written to the Today Show and Dateline to investigate the modification process. I have asked Chase to send me proof they are actually making modifications. They will not send it. I told the *** rep that they are going through the steps to get paid by the federal government but not really making any modifications. I hope all the Chase employees burn in ***.

Needless to say, I had a trustee sale date on two of my rental properties. I was approached by a real estate agent and the properties were listed. In the meantime, I received an incentive letter from Chase for $20,000 on one of my properties. I had talked to two Chase representatives and they confirmed the amount. When I went to sign escrow papers, the borrower's name and the amount that the house sold for was wrong. So, when I called later that evening to ask questions about the incentive, Chase told me to, "Disregard that letter. It shouldn't have been sent out to you. It's a mistake!"

However, my name, address of the property and the loan number was correct. I was hoping that the incentive would come through for me because then I would be able to renegotiate my other three loans with Chase. I explained that the reason why I kept people in my homes after they were severely vandalized was to make sure that Chase could get some money out of the deal. I also didn't want to go into foreclosure because I know that the average foreclosure tends to run banks around $50,000 +. The Chase rep was very rude to me stating that I had $3,000 in incentives on my other houses (2) and I should be very grateful that I would be getting even that. I told her (on a recorded phone conversation) that I would rather let my houses go to foreclosure and have them suffer losing out like I did. What's the sense of taking care of my homes when all I'm going to get is no help from Chase? Of course, this was said all in anger.

The rude Chase representative said, "Do you think it's fair to Chase for you to just walk away from your homes and let them foreclose?" I said, "Do you think it's fair to me that you send me an incentive letter and two of the Chase loan assistants told me that I would be receiving that money and now, you say that it was a mistake?" They told me that they would accelerate my foreclosure after the statement I made.

In the meantime, I am still applying for yet another modification on the last three houses. If they treat me horribly like they did the other night and if they don't want to try to at least help out with the situation, instead of them looking at the money they will save (by preventing the foreclosure process) I would think they would want to work with me. I have two homes that are $80,000 underwater. I would rather work out a modification than to give up my homes. Chase is making my "I don't care side" come out. I hope I never have to deal with Chase again. If they don't try to help out with loan mods, payment plans, etc., they'll be the losers in the long run.

I lost everything and and was homeless. We went to court, had a three way conversation with a Chase person said, you would help us take care of this, told us what we needed to do gave me her personal phone and fax numbers. I did everything she told us to do then never heard from her again everyday. Left messages, sent faxes, they stated they never got them when I research this lady. She wasn't there, they would call me 10 times a day on Sat and Sun with all types of different answers and information at nine am one morning. We qualified for help by 10:30, that same day we did not qualify by 1pm. We were given a different program by 2pm, the program was not available to us. They is one messed up bank that lies and robs people. Should be put out of business, never will I ever have anything to so with a Chase bank again. I would rather be dead!

Lost everything I owned because of hardship. My husband had to go in for a surgery and we had not money coming in for a few weeks. I asked them for for help. They said no, than they raised our mortgage from 2,067.00 to 2,700 a month. They said, we owed them taxes. They never did the paper work right when we refinanced with them! All their paper work is inaccurate.

My difficult journey started in February 2008 when I found myself as the sole provider for my family. My husband was diagnosed with rheumatoid arthritis, my mother with onset of alzheimers, collecting unemployment, and being responsible for a mortgage, paying prescriptions for my husband, food, medical bills, and not having enough money to pay for it all. Sounds familiar?

My struggle is similar to so many other Americans and by no stretch of the imagination am I whining. When I realize what was happening and could not live up to my financial responsibilities, I called the bank right away searching for a solution. I was told I could apply for a modification since I had fallen behind on my loan payments. I chose to step up, face my problems. I was asking for options. Help!

I have spoken to every department in Chase and now I am being told, 'Oh no, it is not Chase, it is the investor Freddie Mac.'

This is my conversation with them:

Chase: No, they will just tell you to speak with us here at Chase!

I ask how is it a bank can do this by placing me and so many others in this vicious cycle? And penalize me and so many others for experiencing hard times in our lives. This is systemic **! I have tried to cancel the modification and see if I can receive some type of payment plan. I was told by the manager of the person who is the so-called personal representative assigned to my case, since I am in the modification process, a payment plan is not an option. There is no one that will speak to me at Chase as my name is attached to this personal representative who does not have any contact with me. They blame Freddie Mac. Freddie Mac has Chase handle the dirty work, but Chase is dirty as they have me in a whirlpool telephone calls with people who do not want to deal with the questions.

I was denied the modification but instead of working out some kind of payment plan, my property now finds its way onto the foreclosure department at Chase. No, Chase is not interested in modification. Chase is in the business of collecting homes. Chase is the ** and Freddie Mac is the abuser.

I was never informed until I called asking about it. The reasons were: (1) I didn't send in all the forms (which I did) and (2) I did not make enough money. So I went out and got a second job. Still, I did not make enough money. In the mean time, I was told not to make payments, because it would change the figures with the underwriters.

So I used that money to get ahead on other bills. With no notice at all, I got a foreclosure notice that I am 9 months behind. How? in the meantime, my ex-husband and I got back together and tried modification again. This time, the lady took our information over the phone and stated that we do not qualify. Really?

I told her that we make more money now that we did when we bought the home. Then she told me that "If you and your husband couldn't make it before, what makes you think you will last this time?" Really? Who is she to judge our relationship? I feel that we were turned down because of our personal situation. So, now being in foreclosure, we are to deal with Fisher and Sheprio Law Firm. What a joke!

They never returned calls, answered, or followed up. We have been sitting on a check for $11,560 for a month. I just mailed it, and they received it; but they are sending it back. They said that this does not cover the whole reinstatement figures. How am I to send in funds when they keep refusing them? So my family of 6 will be without a home soon. We have been more that willing to work with both the bank and law firm.

Today, I was transferred to the law firm by Chase and spoke with Dan (who never returned any of my messages for the last 2 months). He told me how sorry he was, but he was transferred to a different department and does not handle reinstatements. I said then why my messages were not forwarded to someone who does. He stated, "We have been short-staffed for some time now." So I am paying for their mistakes and being short-staffed. How is this fair? What can we do? Please help us.

In January 2011 I get my statement and they have gone up on my payment. I call again and was told this was a way of adding to the reserve needed to pay my escrow. I checked and neither my insurance or taxes went up and actually both went down yet they still raised my payment. I asked again if they had programs for unemployment. I was told no. In November 2011 I lost unemployment and finished school December 14, 2011. I called today, December 29, 2011 and talked with Chase about maybe skipping a payment to give me a little more time to find a job. I was told no. I would have to default on my loan and if I wasn’t foreclosed on I could maybe get assistance when I return to work.

I was also told I should have signed up for the program they offer to be able to pay half payments while I was on unemployment. I told him about calling and was told they have no programs and he said I should have tried to Google it. If I let my loan default, I will not be able to find a job because most check your credit. I have no income and they want me to let my house go into foreclosure. Not sure what I can do. From seeing all the complaints on this site, it looks like the government needs to step in and wipe out Chase all together.

In September 2011 I got an unsolicited FedEx (left under wet doormat) telling me that I qualified for HAMP after all. A whole new set of paperwork was included. Due dates were conflicting between one document to another and I could not get anyone on the phone to explain any of this. I finally went to the local Chase Mortgage branch and made it clear (nicely) that I was not going to leave until I saw a loan officer that could explain everything before I signed. She explained what she could but even she didn't understand everything and she said she would look into it "when she had time.” This paperwork backdated the HAMP loan to 3/2010, the original date of the modification, so there are many questions about how they credited interest, etc.

I signed the paperwork in front of the loan officer and put it into FedEx (their envelope and they paid). I made my first payment at the new rate that day. My next statement did not reflect the new rate or payment but I paid the new amount (at a Chase branch) because there is supposedly an incentive for paying on time. When I went to pay my November payment at a Chase branch and they refused to take my payment, saying my loan was locked up. I could get no answers to why.

I spoke to several people both on the phone and at the branch (including branch manager.) On the next business day I took the payment to another Chase branch and a diligent employee did her best to help me. She found an address to send the payment to and she Fedexed it. She was being given conflicting information internally as well. When I got my next statement, I could see that they have been putting these payments in some kind of suspense account and the payments they have credited have been spread out according to the terms of the old loan.

I went through this with my December payment as well. Supposedly a loan officer escalated my loan to her supervisor who is supposed to be auditing it but will not return my phone calls or emails for status. I finally got disgusted and filed a complaint with the Federal Comptroller of the Currency which has 60 days to respond. In the meantime, because this involves interest, it has tax implications for me. Chase does not seem to care. I went ahead and made my January 2012 payment in December a few days ago and I assume that is sitting in this suspense account as well. I still cannot make payments at the local branches. I have no idea where to go from here. I have no idea even who to approach about taking legal action. I have done everything I know to do with the exception of occupying Austin! Help please!

My payments are not being allocated to my account properly and sometimes at all. This has tax implications. They have not audited the account and since they backdated the new modification and the interest rate is different, I have no idea how that will be applied as well. I will not be able to file my 2011 taxes until this is resolved and I may end up owing money to the IRS that, through no fault of my own, I didn't intend.

I have wasted 3 months of time, not knowing whether or not I will get the loan. Had I refinanced elsewhere, I could have saved $400 per month. So after 3 wasted months, I have spent an extra $1,200 that I could have saved.

Chase is not helping anyone with loan modifications as they were intended. I have been denied under the Texas Constitution Article law for home equity loans that existed prior to modifications ever existing, so how can they reference it? How is that possible? This is because Chase is “Mr. Potter.” I hope credit unions survive for our sake. They really did me one and now trying to foreclose my property. The president should not help these banks any longer. Let them drown and let the credit unions that do help consumers survive. Its time!

Now, today (12-26-11) the day after Christmas, Chase called my husband to say he is in arrears on his Chase credit card payment. He paid over the phone on Dec. 16 and even received a confirmation number. He checked his bank and the payment had cleared. Why is Chase so incompetent? We get calls immediately and yet Chase takes no initiative when they lose our money. We have to take time out of our work days to track all the information down that accurately and unequivocally proves payments have been made. Is this organization so large that no one knows what is going on? Who is accountable on Chase's end? The government can bail these people out, but can Chase extend the same for their customers?

If I was making enough money, I wouldn't need assistance. Duh, what a catch 22. Then I found out about this program for assistance from Keep Your Home California that offers mortgage reinstatement assistance that Chase is participating in and I am shocked that I am declined for state assistance! Again, if I had the money, I wouldn't need assistance! I gave all that was asked for but no one would give me any consideration with only working about 6 months out of the year due to the death of my father. I was in Chicago from January to March and returned in July, September, and November weeks at a time. It didn't seem to matter to them.

I'm wondering if Chase has the final say so as if this Keep Your Home California is allowed to approve assistance. But my biggest complaint is that when Chase filed a NOD, the declaration of compliance is very inaccurate! It states and I quote, "The mortgagee, beneficiary or authorized agent tried with due diligence but was unable to contact the borrower to discuss the borrower's financial situation and to explore options for the borrower to avoid foreclosure as required by California Civil Code Section 2923.5. Thirty days or more have elapsed since these due diligence efforts were completed." This is a bold face lie! I had been in contact with Chase constantly throughout this process. When I called to inquire with both the title company and Chase, I wasn't given an answer that explained the lie. I have notes and records of various phone contacts as Chase should as well, so why they would file this lie is beyond me.

I received a letter from GMAC who had my mortgage, and the amount they requested for first months payment was $2870 as expected. Then, a week later, my loan was sold to Chase. They sent me a letter too, except in theirs my requested first payment was $3030/month. Seems they jacked up my escrow payment by $160/month more than I was told it would be by my mortgage broker.

I've now got to make a monthly payment that's $160/mo more than I was informed it would be. Seems shady, why would they decide they need to do this? I never carried a low balance in my previous escrow account of less than $900. It just means that more money will be sitting in that account when it could be applied to other things. I don't like surprises.

They wrote back and said my loan modification was denied because I had not provided the requested documents within the required time frame. I also sent other copies of check stubs and bank statements as well as the letters mentioned above but I did not keep documentation of the dates. It was pretty obvious that they were using my "non-compliance" as an excuse to deny my request. I do not expect any action at this point but I would like it on record that they are either incompetent or liars.

My ex hasn't lived in the house for over 6 years and I was told they wouldn't need his information to get the loan modification. Now that we are 13 months past due, they suddenly want him to quitclaim the deed to me, which he won't, in order to get the loan modification. I had been told all along that that wasn't necessary. Therefore, I am at a standstill and told I have less than 30 days left to get all documentation before I lose my home.

I called customer service for the "account analysis unit" who sent me the letter and spoke to several representatives, working up the managerial chain. I spoke to "John", then "James" and then "Alex". Afterwards, I was able to reach a manager willing to share her name with me: Meghan **. She explained that Chase has a contractual right to close the account without cause and they chose to exercise that right, and that no further recourse is available to me.

I am concerned for several reasons:

1 . I worry that my mortgage is in danger. If Chase retroactively canceled my account for no cause, or at least for a reason, they are unwilling to share. What stops them from retroactively canceling my mortgage for no cause and throwing me out of my home.

2. I decided to go with a mortgage through Chase specifically because of the 1% cashback program. This is worth a savings of about $16,000 on the loan. This was a major sales pitch by the mortgage agent. With the deposit account being retroactively dishonored, I am out on that significant savings. I feel defrauded by deceptive advertising and deceptive business practices. I am very unhappy about that and worried for my home.

3. By terminating my banking account right around the time my first mortgage payment is due, Chase is placing my perfect credit rating and the future of my mortgage at great risk.

4. It is inconsistent that as a customer, I qualify for a mortgage loan (~$600,000) after an underwriting review. But I somehow do not qualify for a retail banking account.

My accounts are being restricted then terminated. This happens at a time when I am due to pay my very first mortgage payment, putting my family in danger of having nowhere to live and putting my perfect credit score in jeopardy for no purpose. I would like to keep my accounts open and for Chase to honor their advertised mortgage benefits.

Then, the debt collector letters and calls started. First, Professional Recovery Services, then GC Services. I wrote for validation and to instruct them to cease communications but they persisted. So I contacted Morgan and Morgan here in FL. I maintain that Chase's filing of the “Satisfaction of Mortgage” supersedes their right to collect the deficit, and, as of this point, the lawyers I contacted agree. Evidently, there is no specific case law to support Chase's assertion that they still have a right to collect the deficit.

To see if you have a similar situation where debt collectors are harassing you for a Chase short sale deficit, get a copy of your “Satisfaction of Mortgage” off the public records website for your county court. We are in the very early stages, but if you have similar situation and are interested in discussing possibly joining a Class Action (should we end up filing) my contact is Jared ** at Morgan and Morgan in Tampa (813-**).

So they owe me approximately $3,600 plus interest. I hate Chase—no one should use them. I needed that escrow money that Chase was holding to help me with my move. I had to borrow money to move, which costs me more money because Chase did not give me the money due to me.

I also filed a complaint with the U.S. Office of Comptroller of the Currency the last time this happened; Chase claimed I had been in arrears (not true) and the Office closed their inquiry. I full-paid the mortgage with one monthly, timely payment for a few months to make sure things were completely current, there were no charges or problems. Then I made biweekly payments, but still had it full-paid by the deadline and they charged me a late fee again! I can only assume they're wrecking my credit as well.

On October 20, 2011, the check for $800.00 was presented to my bank, which caused an overdraft to my account. I contacted Chase Bank and spoke with John. John stated the only way to help me was to note my account that the check should not be presented to my account and return to him. He also stated that a new payment plan would have to be set up since this occurred. The plan was scheduled for payment on Nov. 20 for $1213.50. For the proceeding months, the payment would be $1585.00, always due on the 20th. On October the 26th, the same check for $800.00 was presented to my account again, which caused an overdraft to my account.

I contacted Chase Bank and spoke with Juan (employee **) and explained the situation. Juan had an investigation placed on my account and set up the 3rd payment plan. He stated that I would need to make a payment on November 20 for $1213.50 and $1585.00 for the next 9 remaining months. On November 16, 2011, I contacted Chase Bank to make a payment over the telephone for $1213.50. The representative stated she did not have a payment plan set up for me. I asked to speak with her supervisor.

She placed me on hold for over 15 minutes. I hung up and called back and spoke with another representative. She also stated her records did not have a payment plan recorded. I asked her to contact Juan, who set up this plan. Juan had stated in an earlier conversation if I had any problem, I was to contact him and at the telephone number of ** and give the representative his employee ID number and they should be able to contact him. The representative who I was speaking with stated she could not reach Juan since she was located in a call center.

I was given to her supervisor Chasity (refuse to give last name), employee ID **. She stated my payment plan was broken because of the post dated check and that I caused this problem. I told her what problems had occurred. And I told her that Juan had resolved these issues and I just wanted to make my payment over the telephone today. She refused my payment and stated she would fix the problem. I was then transferred to Renee **, employee ID **. I had to go over all the issue with Renee ** because Chasity did not inform him why I was transferred to him. I had been on the telephone for over an hour. I was at my job while this was occurring.

Renee wanted me to hang on the phone while he reviewed more information on my account. I told him I had been on the phone for over an hour and that I was at my job. I offered him my direct telephone number and he at first said he would not be able to call me back. He said that I would have to call the call center again and go through another representative. I stated that if I had to do this, I would call New York City where the CEO of Chase Bank Jamie Dimon is located. He quickly stated he would call me back in five minutes. Renee ** called back within 3-5 minutes and stated that he could set me up on another payment plan, but if I could make my payment today for $2,000.00.

I let Renee know that Chase Bank and I had an agreement that my first payment for Nov. 20, 2011 is for $1215.00. This is what was agreed upon in writing. Renee stated he would not be able to assist me and refused my payment. I told him I will make a payment and seek legal aid counseling and then contact their CEO Jamie Dimon in New York.

Over the next couple of months, I would call my Relationship Manager to check the status of the modification. On August 22nd, I made our regular mortgage payment in the bank (during the modification process, you were still able to make payments on the account). On August 24th, I called my Relationship Manager to find out the status on the loan modification & my Rel. Manager told me that we had just been turned down for a modification, but that Chase would allow us to do a repayment agreement.

She told us to wait for the paperwork to get all the details. We received the Repayment Agreement on August 29th & noticed that the Agreement was dated August 26th but the first payment was due August 24th. I immediately called my Rel. Manager & she said it must be a misunderstanding or miscommunication. I also asked her why the Agreement told us the next payment wasn't due until November 1, 2011? What about September and October 2011 payments? She said that Chase was giving us an opportunity to catch up on some bills & save some money for the upcoming higher payments. Ok, I thought, that was nice of them, and felt comfortable & relieved that we had repayment payments that were still within reason to catch up.

So, on October 14th, I see a notice on my on-line banking to call Chase. I called & asked why they wanted us to call them, and they said that we were in foreclosure! I said that it wasn't possible. They said it was because we didn't make payment on August 24th! I told the rep. that we didn't even know about that payment until we received the Agreement on August 29th! We were eventually told to file another Loan Modification & that would put off any foreclosure actions. We did that day.

Over the next 4 weeks, we were promised a new repayment agreement 3 or 4 times by several different representatives, which was never sent to us. It was always in review whenever someone looked it up. In the meantime, Chase's attorney filed a Complaint for Foreclosure in court, which we had to answer ourselves. We asked for a mediation and one was scheduled for December.

I called practically every day to make sure something was being done for us and each time I would speak to a different representative. Each representative would tell me something different from the last representative, but most assured me that we were going to be taken care of. Some promised to call us back with details......but none of them did. I feel we were given the run around & that Chase never intended to give us the Repayment Agreement to start with.

Finally, my husband & I - Now 7 months behind in the mortgage (3 on our own accord & 4 months due to our trust in Chase) are being told that in order to get the mortgage reinstated we needed $7,200.00 to be sent to Chase's attorney within one week! (Letter was sent 11/10/11 - payment was due by 11/18/11. )

I felt like I was living a nightmare.

Anyway, after selling off personal items, borrowing from my 401K, and borrowing from Peter & Paul to pay Chase, we just sent them the money to reinstate the loan. We are very happy to put this behind us & will never be as trusting again with any kind of financial situation like this. It's sad, but true.

So basically all the documents we filled out, were only so we could make payments on the house. Trust me, they don't care whose name is on the check they accept payments. With the assumption report, it takes another 45-60 days. People have to realize that every time my wife calls these people, it's like dealing with the death of her mother all over again. BB&T does not sell your mortgage and were told that they take over these kinds of problems all the time. Bottom line, Chase is the worst company we have ever dealt with in our lives. Even if they offered us a 0% interest rate, I wouldn't use them. That's how much I despise this company.

On 12/1/10, I received a call from LCS Financial, saying they were a collection agency calling about my account with Chase. I said "They've had a full price offer for four months. Call them." That's when I found out that Chase had apparently sold my account to this collection agency without saying anything to me! I called Chase to find out what was going on and their answer was, "We have nothing else to do with that. It belong to LCS. We can't even access it on our computers."

Oh, and they don't participate in HAFA so I'm still going to be on the hook for the deficiency instead of being released from it as I would under HAFA. They took the $2500 Chase would have gotten under HAFA, plus the $3000 I was to be allotted for moving expenses plus I had to bring $1000 to closing! That was just to get the lien off the house to sell it. I still owed over $36,000. I had to either negotiate an amount they'd accept and come up with the cash fairly quickly or spend the next however many years paying off the entire amount.

Nothing quite like negotiating with a gun to your head. It was at that point that I found that Chase had to approve any settlement because they did in fact still own the account! They were using this LCS to get around HAFA. I was finally able to get this LCS (with Chase's permission, of course) to settle for $10,000 that I had to pull from my retirement. Rather than $2500 that Chase would have gotten under HAFA, they got over $16,000! They have stolen $14,000 of my money and I want it back!

I've filed a complaint with the Comptroller of the Currency. I was told about them from my Attorney General's office. They are the agency that investigates Chase for Fraud and Deceptive Business Practices which is exactly what this is! Contact the Comptroller of the Currency to file complaints! Maybe if they get enough of them, someone will start to notice they're stealing from people!

For eleven years, I have not been able to get Chase to change my name on the mortgage note and assist me with lowering the interest rate on the mortgage loan, which has been 13% since 1982. Also, I have not been able to get them to take my ex-husband’s name off the mortgage. And even though I am co-mortgagee on the note, their customer service department to this day will not speak with me, accept a payment by mail, or assist me with any problem that I may have. Or, they won’t answer any questions regarding the mortgage loan unless I give his name and the last four digits of his social security number. I can't even get a home improvement or establish any credit. I have tried to sell the home and there is always a problem, because they in eleven years have refused to offer me anything except an assumption.

My name has been on the note since 1982. I have been paying the mortgage by myself since 1995. I am still struggling to do so. I will be 65 years all next year and will perhaps be retiring and if so, will be on a fixed income. With all this, another one my worst experience with Chase is that I received in the mail just a few days ago a check to refund from my escrow account and I can't cash it. You know why? You've guessed it. It's made payable to my ex-husband who is now deceased and to me but in the wrong name.

Also, a few days ago, I received a letter from JP Morgan asking me to complete a W-9 IRS reporting form. I don't understand that either. It also had my married name on it. I called the contact number to inquire about it. I was told just to sign it and send it back. Needless to say, I will not be completing and signing any of it until Chase is able to give me a clarification and an understanding as to what it's all about.

That was a month ago, still no document. I called the branch and could not speak directly to the lady who assisted me so I emailed her, she did called me and said that they said they sent it. She was having them overnight it to me. That was 3 days ago still no document. This is terrible customer service. No one seems to care and trying to get to a Manager is impossible. Some thing needs to be done to assist us honest customers.

I began talking to a lot of people in all different locations employed by Chase Mortgage (No matter whom I called, they said it was the wrong department.), and the only thing uniform in what they were telling me was that they were indeed employed by Chase. Every bit of advice and help differed from person to person. I was told that if I made partial payments--which is what I wanted to do, they wouldn't count for anything toward the arrearage of mortgage amounts and would only pay interest. They informed me to not make payments, until I could afford to make the whole payments.

With my husband's job non-existent, we took his 401k out to do the modification special with the 3 trial payments. After countless phone calls for a year with some employees telling me it was going through and some saying no, it finally was determined it didn't go through. And to put the cherry on the sundae, they also told me that I never qualified in the first place! I'm telling you--put the word out--these people make their money, because they are crooks! I had to submit the same documents sometimes 6 times over that year, because they swore I never sent them (via fax, mail, and UPS!).

And it gets even better. We moved back to the previous town we lived in before this nightmare. We also own the same home we lived in, because it did not sell. That home is mortgaged beyond its value, and Chase holds the loan as well. No way to sell it, unless we also let it go in foreclosure. The payments are double, because they required us to put 2 lines of credit on it instead of a conventional mortgage. We don't think we will own this one long either, the way it's going.

So, Chase said we could short-sale the other house and to submit the paperwork. I have a realtor who has found a buyer, and after submitting my hardship letter and info three times to Chase, they have decided to decline the short sale. When I called to get a reason, the gal passed the buck by saying my PMI insurance company denied it, not Chase.

After arguing a bit with me, I asked to get the number and name of my PMI company which I had paid into until we quit making payments. She refused to give me the info, citing that they (Chase Mortgage) cannot disclose that info to me! She told me to look it up on my original papers from the closing. I called the Chase bank branch near me, and they gave me the information right away. And this wasn't the first time I was told lies by this company.

We received a letter stating that we were in a flood plain, and that I needed to take out immediate flood insurance to protect my liability and legal requirements by Chase. When I went to my county, I was not and never have been in a flood zone. I called Chase and was informed that everyone got these letters, and oops, their mistake. Crooks is the nice term for these people.

Now that the short sale is not going through, I was just notified this week of that news. I got a call from Chase asking me what condition I left the house in and that I need to remove my personal property by Nov 23. I talked to my bankruptcy attorney and am including it in my bankruptcy which shouldn't cost me anything.

Our lives have been significantly changed by this experience. Chase continues to ruin more and more people's lives, because of the lack of training of their employees, the apparent inability to discern the truth, the protocol of their jobs, and inability to work with people to save their homes--even though I received a ton of mail offering me just that--a way to save my home--most of which we have already tried.

Spread the word. Don't let your friends or family get messed up with this circus of a company.

The amount they want will leave us less than $200.00 a month to pay utilities, medical, food, insurance etc. When we tried to call our rep, some woman wouldn't let us and said, "It won't make a difference. That's it.” I think those of us that are trying to hang on and do the right thing are being punished for all the dead-beats that just abandon their homes. We have lived in and loved this house for over 13 years. And it breaks my heart that this has happened through no fault of ours.

I finally contacted an attorney to look at my paperwork. I signed, notarized and sent it in. They closed my file saying it came in 2 weeks, past the due date. Despite all the calls I made, I was never informed. Including two days after they closed the file, they told me my permanent mod paperwork had been received and scanned, and even sent me to the ACH department to alter my debit date, but never told me they closed the file.

$20,000 in trial payments is gone. They say I have to start all over with new paperwork, new trial agreement, etc. I was counting on this permanent modification to get out of foreclosure, so I could file Bankruptcy to eliminate all other debt, while keeping the home,as well as numerous lawsuits and judgements. Now, I am going to lose everything, because Chase is completely negligent.

They are a bunch of evil people, they don't help anybody, credit ruined and homeless, here we are not knowing what to do. People do not get loans with this bad bank. Bank does not help people at all.

We have dealt with over 25 people who have been assigned to our case. I now say to them whenever I call, “You should all go work for The Barnum and Bailey Circus, it runs much better”. To make a long story short, They are not helping people, they are evil! We decided to do a short sale and if it forecloses, it's their own fault. We will buy another house and go through a local Credit Union with help from a family member. I do think they will get in trouble for all this in the end. But by then, we will all have lost our homes which is really sad because with a modification, we could have saved our home.

I forgot to mention we hired an attorney for $3,000.00. He couldn't even do anything, he said talking to them was like talking to the chair in front of his desk! We finally took it into our own hands because we couldn't afford him anymore and he basically could do nothing.

This prompted literally dozens of calls to various departments within the Chase maze--to customer service, to mortgage department, to escrow department, to property tax department, to escrow analysis department and then despite having escalated my inquiries to managers and supervisors within those departments, they cannot give me a straight answer, or won't give me a straight answer. Each call takes from 30 to 90 minutes, most of that time on "hold", with frequent calls dropped which means calling back in, going through the menu, answering the same questions to identify myself, and then be put on hold again in the queue.

I've made voluminous notes, faxed numerous documents supporting my queries to them, visited a local Chase bank branch and had that branch manager intervene on my behalf (to no avail), noted names of people I've spoken to and the departments they represent. The latest supervisor I spoke with today said they "think" they paid the taxes on October 22, but aren't sure because the various Chase computer systems aren't compatible between departments. One system indicates taxes have been paid, others say it's not.

They "think" they cut a check and mailed it to me on October 28, for the full escrow account, so I could pay the taxes personally, but to write a check back to them for one cent (I swear I'm not making this up) to keep my escrow account open, otherwise they'll close it. And I'm supposed to want to maintain an account with them? I don't think so. Oh and they don't know which address to tell me to mail this one cent check to, not sure if it should go to same address as my mortgage payment, or their escrow department, or their tax department. They're not sure, but "someone" will let me know within the next few months. What? Another supervisor told me they "think" I will receive a new escrow analysis statement "in a few days or maybe a couple of weeks....", but they're very busy and it "...could take a while...".

When I couldn't get a straight answer, and answers received conflicted with other answers given the same day but from a different department, a so-called supervisor in the tax analysis department suggested I just call my local property tax bureau and ask them if my taxes have been paid yet, and if not I better get them paid before November 15. "It's your responsibility to pay your taxes, my dear. ", she said. But what, I insisted, happens to the thousands of dollars I paid into my escrow account that they accepted, and why the confusion? What triggered this? When did they decide to change procedures, drop the ball, and then treat me like a deadbeat because they made errors with my account.

It seems it's my fault. My payment is due the first of every month, which confuses their system because they close out their statements on the first of every month, and sometimes the balances are confused when I make my payment early so it arrives before the first day of the month. I should have known, one of the supervisors told me, that everyone has their payments due on the 15th of the month so there won't be these conflicts with their system.

I know I know I know. Makes no sense to me either. So tomorrow, files in hand, I'll visit the county tax offices and see if I can find out if they have received funds from Chase and if taxes are paid. If not paid by November 15, I pay a penalty fee. If not yet paid, I'll have to take funds I have set aside to pay other bills this month to pay this large amount (large for me), and then deal with Chase and see if I can get my money back from them, from my own escrow account. I'm thinking it's time to hire a lawyer.

What do people do who don't have access to computers, home telephones or cellphones (to make all of these calls, and not all of them toll free to Texas) and/or don't have the time or energy to devote to investigating and sorting these kinds of simple bookkeeping errors? Now where's my tent and sleeping bag. Protesters, save me a tent space. I'm coming on downtown to join you.

First, you cannot transfer funds over a $10,000 limit. That does string out repayment of a $95,000 HELOC. And as for the mortgage, Chase applies funds to future payments rather than to principal. You must demand a work-order to reclaim that money, with a process that takes two days.

They're Chase and they're too big to regulate. They're a bank where the stock tanks yet the CEO gets $20 million plus. There are no stinking' consequences. Are you some stinking anti-capitalist? We don't need your kind. Why don't you go back to Greece? If you take their money, grovel.

When I called the FedEx, I found out who received the documents in Chase and faxed all the proof to chase. They told me it's too late now, and I have to reapply the modification. I do not know where to go and complaint. I reapply again, after so many months now only they gave me the 3 month trial period, and the monthly payment went up to $2650.00, this more than the original payment. What kind of modification is this? I don't know. My mortgage balance is only $228000.00. What is the interest rate they quote, no idea, I need help on this.

We fell for the ** North American Mortgage gave us, even fell for the bogus fraud bills that were sent to our home. We, being dummies, kept paying them. Now, I look at all the duplicates and see all the cutting and pasting of invoices and can clearly see what they were doing. This mortgage company even got into our checking account and made payments every few weeks or sometimes even days to fake accounts. They were actually paying one of our loans they had out with our identity.

I bet that you all think this is made up. I have documented proof for every claim I've made. From what I've learned in researching all zillion loan packets they gave us is that they were, without a doubt, using our identity and accounts for cover up. When we went in to sign, they would have us sign multiple copies saying that it was just the process. With our wet signatures, they could pick what loan amount they wanted us to get that time.

I also discovered that in our first inspection prior to closing the escrow, the inspector documented findings of hazardous waste and toxic substance under roof and said that it needed to be evaluated by a professional in the hazardous field. ,Nope they sure never told us so I kissed my three daughters to sleep every night not knowing what I was subjecting them to.

We just found all this out while reviewing my papers in the last couple of days. Also, a second inspection was really never done. They just changed dates on the first inspection and submitted it with refinance paperwork. Our house is not worth anymore sleepless nights, stressed out crying days, and arguing with husband evenings. They can have this piece of ** house and all the work and expense that comes with it! We tried everything, including giving them our first born, to no avail. It shouldn't surprise us though--and our bad for letting them bait and trap us for so long.

Anyone want to join forces and start making some loud noise about this criminal and abusive service we are being subjected to? I believe that it will take all of us working ,together fighting their army of attorneys and endless resources. Come on, guys, let's "lawyer up." We can ** our way through it too!

My only question is when did I fall behind, and they cannot seem to answer that. So my concern is now I'm going to pay $2,300 on the 1st without any explanation of where I missed the 2 months? I asked her if it was prior to Oct 2010 and then that I need a printout of all my payments they’ve received. She said she needed to transfer me back to customer service since she did not handle that, and I was transferred to her from customer service because they stated they did not handle transcripts. Chase sends you a letter to contact them. I can see why consumers ignore them. They do not seem to have competent workers with good English skills that can help or answer any of your concerns.

Well, I have been resubmitting paperwork since 2009. Every three months, it seems that I have to resubmit paperwork. When I call to speak to someone, being that now I'm in active foreclosure, they can never get into my account. I have had supervisors, IT tech, etc. and no one understands what the code means that will not allow them to get into their own system. All my phone calls ended in, we will call you back in a few days when this problem is fixed. And never once did anyone call me back, but they continue to send people out to my house to hang things on my door, call all times of the day to transfer me to someone who cannot get into my account. Chase Mortgage gets two thumbs down!

After much debate with Chase, I filed for bankruptcy which I am now paying $259.00 per week for all of the debt that I had filed for. Two years later, I now receive papers in the mail which state that the modification has been denied and that they would not honor any future monthly payments by electronic form, only by mail. I have been banking with Chase for the last 27 years, and this is how they treat their customers. They have horrible service. and they are disloyal to their customers.

That same December, Chase changed my mortgage payment from $930 to $ 2200. After I paid they promised to put my loan with the same current amount but they never did it. So, I was paying the $930 until August 2010, and when it was time to pay my current monthly payment, Chase lock my account and I couldn't continue paying. They argue I was behind 4 months because they want $2200, not $930 which was my initial loan because I paid down payment and closing for the amount of $60,000.

Also I paid $190,000 for my house, now the appraiser showed the house price is only $120,000. I had to pay a lawyer but I think I also lose my money with this lawyer I chose. If I explained here all they have done with me, nobody believes it. They request papers that they never check and ask for more, then when all is ready, they would say your case is under other person, then this new person asks you for more updates/papers, then again and again. It's now 3 years that I have been sending papers. This is making me crazy, under too much pressing, with stress, and crying all time. I don't want to lose my house. I don't know what else to do, I do not know who to ask for help. I really need a solution to this matter. I wish someone that reads my story could advise me.

I contacted Chase to follow up. I was shocked to hear that they had denied my loan modification a few months before. They said that I should have been notified! Chase misrepresented for 11 months that my permanent loan modification was being approved and in the final stages! They dragged out the process for 11 months and accepted my payments, only to learn that they never had intentions of approving the loan modification! To add insult to injury, I shortly thereafter received a notice of trustee sale! This is just one of many horror stories!

I inquired where the statement was. The person on phone said we were charged off and to call this number 877 -836-3040 on May 15 and not before. I called the number, the person said they did not have our account. I called on the 28th, and still, they did not have our account. Meanwhile, my insurance agent learned that the proof of insurance of dwelling was not needed and that the office person said it was paid/closed. OK, so no one sent us mail.

In August 2010, a collection service sent us a letter regarding mortgage. We checked our Credit Report, and Chase was listed closed. We sent that to it plus the insurance agent Info. And the matter was dropped. It was the same in March 2011 when that law firm ran our Credit Report and called us back to say sorry for bothering us--it was listed paid/closed.

Now, this is what makes me wonder if Chase is legitimate--concerning the very same number 877-836-3040. Chase Recovery sent a letter dated September 14, 2011 saying they are giving us "a window of opportunity" and that they will accept a 6,4***dollar settlement before October 16. I called the number and stated to the person that our account was listed paid/closed. The person said they have no record of it paid/closed. I said, "I'm not arguing. I'm turning it over to our lawyers." They would call but never left a message.

Sunday, the 9th at 5:05 Central, I was home but missed the call by one second. I called it back, and the message said the office was closed and to call back on Monday to Friday . We called the number and asked for a fax number. Then, we sent them the 2010 & 2011 Credit Reports regarding our Chase account being paid/closed, how our insurance agent is not needing to send proof of dwelling insurance, and a copy of hardship letter we had sent to CitiFinancial that a Chase rep wanted when we first bought. We provided insurance, the name of the agent, phone number, and how they did not have the account in May 2009.

We are still working with lawyers, however, they are so far giving advice. I searched the internet for Chase complaints again. I did a complaint back in April 2009. I thought I should post again. Hopefully, all the faxing of documents to them will put an end to this. The hardship letter included my husband's heart and kidney failure in 2008 and also my disability.

I have tried to short sale my home and Chase asked for a letter from him stating that he has moved out of the home. I provided it and when I called for status, they wanted a notarized letter stating that he has moved out, which I provided. Again, more time goes by and I called and now, they want me to provide divorce papers. I did received a letter stating that my case was closed and then I called again. The representative says for me to get a quit claim deed. I said no problem and I told him that I will go to the courts that very day to obtain this and then, he puts me on hold and again, they want a divorce decree.

Any suggestions on what I should do?

I called and they said they never received the signed documents. Since then, it has been hell with them. I am trying again to do a modification. After seeing all the complaints, I doubt a modification will happen. We should file a class action suit against Chase.

I called Chase but they dithered, then paid the back insurance fees. Then, they hit me with the huge bounce in my mortgage payments to keep my escrow account current. I asked them why I had to come up with more money to cover their mistake. They said, "Well, the escrow has to be current so we can pay your insurance and taxes." I said, "Why can't I pay my own insurance and taxes?" "Well, that's illegal. We have to keep the escrow accounts current," according to them.

They also threatened me with foreclosure if I didn't bring the escrow current, right away. I couldn't do that. I live on a fixed income. I checked with our county assessor and my insurance agent. Chase did lie! It is perfectly okay for me to take care of my own bills. There is a federal agency that regulates banks, and I wrote a complaint to them. In addition, I called Chase and told them they didn't get to lie to further their own ends. I was getting a lot of guff, being told that I didn't know what I was talking about and that I had to have an escrow account!

I fired back, "Okay, then it will be necessary, if we cannot come to an agreement, for me to drive into your nearest bank, park a chair on a public sidewalk, and carry a sign which said 'This bank ** disabled old ladies!' And I will call every TV station in town and tell them when I would be there in front of your bank!" Funny, the very next day, I got a call from a young woman in corporate headquarters, and was told that I can make my own payments--no escrow required. By the way, in that year, I had never been late, or missed a payment.

First off, I started falling behind on my payments due to I was laid off from my employer. Eventually, I got a job making enough to make ends meet. I called Chase Bank to get a total amount of delinquent on my loan, so that I could make payments up to date. I asked the representative on the phone to make sure to include the full amount with all late fees and any other fees that would be billed on my loan. I repeatedly asked for total amount due with no hidden fees. The rep then advised me of the amount with all the fees that would be included. I made payment for that amount. Needless to say, when I received the bill for the following month, it included a fee of $150.00. I called Chase to inquire about additional amount of $150.00, and they proceeded to advise that it was some fee that was not added on last month. I reminded them that they promised me that there would be no any additional amount included. The rep couldn't help me or advise me what additional amount was for.

When the next payment was due, I was unable to make payment due to insufficient funds. I called Chase, once again, to see what they could do to assist me with my payments by adding them on at the end of my mortgage. They convinced me to apply for a loan modification, which I did apply for. They mailed me a modification package that I need to fill out and return to them with additional information needed. I did FedEx the package and all info they asked for to them. A few days later, I received a package and enclosed was a letter stating they have not heard from me. Having the FedEx the receipt, I proceeded to call them and advise them that the package was mailed to them, the rep then advised me the information was not received by them, I informed them of the routing number by FedEx that was given to me, the rep suddenly found the information that was sent to them. Rep proceeded to advise me that the package was no good due to modified information on the papers. I had changed the address to show my correct address, they said that I was unable to do that and they could not the accept papers (mind you, I have been fighting with Chase to update my address for several months, and they failed to do so as requested).

To make a long story short, I had occurred late fees and other fees due to no payment made. The information request went on for 6 months with them requesting the same info month after month. Then they advised me that Chase bank would be holding a seminar in Phoenix, AZ and that I needed to attend and bring all my loan modification papers with me, so the rep could assist me one on one in person, which I did attend and brought all my paperwork with me. The Chase reps advised me that would take approximately, 1 week to get an answer. Four months later, they finally gave me my own representative which mysteriously was replaced by another rep. Each month needed same info again sent to them, which I did send all information that they requested each time. After 1 year of going through this repetitive paper work, Chase advise me on 10/7/2011 that my loan modification was not approved, reason being was not enough income made to qualify (if had made more income would not need loan modification).

I have been making my payments each month, while I was employed with good job and as soon as I lose my job and need a little help, they just deny me. They proceeded to advise me that they can mail me a package for a quick sale, which would need to be approved by Chase Bank first. I had also inquired about refinancing my loan and the rep gave me a number to another Chase Bank in my area. Go figure, if they denied my loan modification, what would be my chances of being approved for a refinance.

The first statement showed that they applied the funds at the end of the pay period of $1,377, charged me the full interest rate, and put the additional balance we paid into an "Unapplied Cash" account. When I called, they explained that I would have to call each week to apply the funds to the principle balance or open a checking account with Chase to have them applied automatically.

Clearly, this is a way to prevent people paying off the load and avoiding some interest charges and an attempt to drive more business to their checking.

When I called them, they said that they have not put any on my door. They put me through a trial modification payment for 6 months. But I did not miss one payment. And to my surprise, they said they denied me. The next call resulted in a rep telling me to quit making payments, and they would automatically grant me a modification. I made a phone call today, with them. I was informed that I don’t live in the house any longer, that I moved out several months ago. Ask my neighbors. I still am in the same home, 19 years and counting.

I am out of fight in me. And I'm so tired of listening to a different story and different things I need to do to keep my home. Chase is not a company I will ever deal with again. In fact, if I was to try and buy a home later in my life, and the contract sells to Chase, my home will be put up for sale automatically. They are rude, disrespectful, and the most uncaring and lying bunch of people whom I have ever worked with in my life. I am tired of being told a different story each and every time I call. Every time they tell me something, I ask for a letter of explanation. Guess what? Nothing has ever been mailed to me, as well as my mortgage statements. The last one I ever received in the mail was the month after I applied for a loan modification, nothing since.

Well of course, no money has been deposited into my account. Today I was then told, “Oh sorry, we are overnighting you a check. The request went to the wrong dept and they can't just do a credit they have to cut a check”. Seriously? This is a bank, and if you debit my account an incorrect amount, I expect the money to be deposited back into my account, not cut a check. So now 5 days after, I’m supposed to receive a refund and I still have no money. I was also told that they are doing a 3rd Escrow analysis and Chase is still unable to tell me what my monthly payment will be. I just closed on my house in June. My taxes, nor my insurance have changed, therefore my mortgage payment should not change. I will never recommend Chase for anything. I have also written to our Better Business Bureau hoping to shed some light on something I feel is scandalous. I'm still waiting for my refund, and I'm still waiting to find out what my mortgage payment is going to be. Chase is a joke!

Chase Finance decided to raise our mortgage payment back to the original amount after three months. Their reasoning was because of our homeowners insurance and escrow. We were originally told that they had loaned our interest rate from 6.5% to 5.5.% in order to make up for the difference. Then, our rate is upped back to 6.5%. This left us getting behind yet again on our mortgage. And then, our attorney received a notice to pull us out of bankruptcy and that Chase was suing us for our home. After a court hearing, Chase agreed to not take our home. But we were then forced to pay for their 10 (high priced) attorney representation in court. We also had to sign an agreement that if we got behind again, they would foreclose on us immediately. Our loan modification left me in the exact same place I was three years ago before I asked for their help, struggling, and barely making enough to feed my family. Chase is so willing and ready to force my family and children out onto the streets. They have a 10 man attorney team for our little family, when our home value is only that of $50,000!

During this 3 month period, after having agreed to Chase Banks price, we were told a number of stories about why we had not received the short sale letter. What follows is a general description of the process that we experienced including what we believe to be a significant misrepresentation made by Chase Bank.

In May 2011, we located a house at ** listed at $110,000, which we found to be to our liking. We offered $100,000 and the seller accepted that offer, on which we entered a contract. Chase Bank, the mortgage holder, indicated that they would sell for no less the $112,000. We countered this offer with a price of $106,000. Chase responded to our offer by indicating $112,000 was the price at which they would sell the house. We agreed to that price and communicated that agreement.

Approximately, two week later, having not received the short sale letter, we were advised that the Chase Bank negotiator was on vacation, but after a conversation with his supervisor, we were assured that the short sale letter would follow the next week. Several more weeks went by and then we were advised that the bank had appointed a new negotiator. We have also been told that this negotiator quit the job resulting in a further delay. This was followed by being notified that the banks BPO had expired and a new BPO was ordered. After several more weeks, we were advised that Chase Bank, based on their new BPO, now wanted $139,000 for the property.

Here is the surprising part of this story. Our lender had gone ahead with an appraisal of this property and it had come back substantially less than the BPO that Chase said it had received. Beyond that, Zillow.com shows an appraised value of $115,500 on that property. It is granted that this Zillow appraisal may have been a little low but not by much. We were so upset by this development that we wanted to walk away from any dealing with Chase Bank. However, our realtor suggested a small counter with both of us expecting it to be rejected based on our previous experience. Against our better judgment, we agreed to make another offer of $115,000.

In the space of less than 7 days and to our surprise, Chase Bank suddenly agreed to $115,000 for the sale price. However, prior to this sudden approval and based on the entirety of this experience, we had decided to abandon our efforts to buy this house solely based on what we felt was the negligent or intentionally dishonest business practices displayed by Chase Bank. We believe integrity and honesty to be paramount in dealings between individuals and/or business entities. In our opinion, Chase bank displayed neither. As a Board Member of the Public Responsibility Committee, you should be dismayed, if not ashamed of the manner in which Chase represents itself. Perhaps too big to fail banks, like yourself, should simply fail, so you can reassess the manner in which you choose to deal with those who keep you in business.

As for us, we will choose never to do business with Chase Bank in any form. We are considering letting as many consumers as possible know through publishing this experience via the internet or through the news media that Chase Bank dealt with us in this manner. It is a small rebellion on our part, and perhaps you or those at Chase Bank who set policy really could care less, but small rebellions do count, especially to those who act on principle instead of greed.

Because of my divorce, I was working two jobs to try and stay afloat. I then decided to do a short sale of the property. I immediately received an offer and my real estate agent sent it thru the channels at Chase to get approved. Chase denied the short sale, stating that my ex-husband had to cancel the quit claim deed that he had signed and be put back on the property. Really? Seriously? I don't think he was going to go for that, would you?

They said they would get us on a payment plan for the balance .They said we will have to pay $2,400 a month for two years to make up the difference. I explained to them this would be hard. The bank said if we want to keep our home we have to agree. We would fall behind. We then had to get reinstated and pay $ 10,000, yet get on another payment plan. Again explaining this is too hard. So I would withdraw the money from my annuity plan from my Job. Now the payment is $2,600 a month. I fell behind again. I paid the $10,000 again. They took a total of $30,000 and I was in the same position.

It's now 2008 and this is the beginning of the loan modification program. I told Washington Mutual I need help. I applied for the program, I sent in all documents requested. After six months of sending the same information over and over, I got approved for a loan modification. It’s now April of 2009. Washington Mutual said, to process this loan modification I have to come up with $4,000. I said, I thought when we deal within the same bank there will be no cost. We told them we do not have $4,000 dollars. So Washington Mutual tells us we would have to get on another payment plan for $1,500 a month for 3 months which totals now to $4,200 dollars. I said, the charge Washington Mutual answered was miscellaneous charges. The bank said, once we pay the money in 3 months all we would have to do is send two pay stubs and we will be finished and into a loan modification.

The payments were for June, July and August of 2009.I paid the three months on time. Now September rolls around and asks me for all the same information again. Washington Mutual tells me to keep paying the $1,500 a month. Washington Mutual tells me it's a trial modification, so I go along with this .I got a letter in October of 2008 stating Chase is now my mortgage company to keep making the $1,500 payment until further notice. I am asked for all the information again in October of 2008.Every month they want more information. I always send whatever they asked for on time and promptly. Not counting all the phone calls I made, twice a week, every week never letting up. There were times I called every day and some cases three times a day.

I continued making this so call trial modification payment. I did this until December 2009, that's $1,500 a month on time for 6 months. I talked to a rep in December and said Chase cannot take anymore of my payments. I got a letter from Chase in January of 2010 to keep making my trial payments, so I comply as always. I made payments for January and February. I go to make another payment and again they cannot take a payment from me because a deal was being package with my loan modification. I got the package and I have 10 days to respond or the modification will be terminated. We got the FedEx package and we read the deal. It reads $2,400 a month for 40 years. I called Chase and said there is something wrong here. I have the same payment for 40 years. The person from Chase tells me don't sign it and send back. This is now March of 2010. From March until present Chase is still asking for information. I sent them 6 years of tax returns, pay stubs, and bank statements. They are telling me they need more information.

We talked to the bank in April of 2011 and said we are in final review and all they need is the appraisal. May 20011, they got more information from us. We were told in June we are still in final review and asked for more information. In July Chase told us the appraisal is complete, all the financials are completed. We should have our deal in two weeks. Then they send me the Dobbs Frank report to fill out, requesting all the same information again. On August 22nd of 2011, Chase asked me for two most recent pay stubs and two months bank statements. Yet again we comply. I sent it by fax two times on September 19th. I called Chase for confirmation they received the requested information. The rep from Chase said yes. I ask the rep why it is taking so long for a loan modification. His reply well you were denied for a loan modification and we reopened your file in October of 2010. So we said, we weren't denied we sent back the outrageously deal you gave us in March of 2011. I asked, you mean to tell me my folder has been sitting there from March of 2011 to October 2011. The rep said yes the process takes a while, so I said my folder has been sitting there for 7 months. This modification started in 2008.

We received a letter hand delivered of a foreclosure notice from Wells Fargo in 2009.We have asked Washington Mutual and Chase for help and no response. I sent both banks at least 10 hardship letters and nothing.

This is putting a strain on my marriage and our family life. My wife has diabetes and it isn't helping with all this stress. I am getting drawn out and am emotionally drained. There is very little happiness in our lives due to not getting any help.

Back in may of 2003, we closed on our new home that was handled by and money borrowed from a company named Austin Loan in Austin, TX. The loan was bought by Chase and approved as an FHA loan. In may of 2005, we were notified by FHA by mail that it was no longer an FHA loan and had also received a letter from Chase stating that they could no longer take PMI. When I called that year to chase the person who sent the letter and the supervisor who signed it, I asked her what it meant since I had no knowledge of what PMI was, she stated, "I don't know. Chase just told me to write the letter." She just said that Chase would no longer be taking out PMI from our note that was included together, as well as our taxes and insurance.

She also stated that we would receive $1900.00 back because it was taken out and we paid for it at the time of closing. To this day, it never happened. I made calls and was told by Chase that I could only fax the insurance company and we could not talk to them. They couldn't even transfer me to that dept.

When I called FHA, they confirmed that our loan was not FHA because Chase failed to turn in documents in a timely manner so they were not insured by them. Only to find out that they would lose out later on. So we left it alone and was told by an attorney over the phone that unless they come back to you later on claiming that you owe them, then that's the time he will take the case. But I shouldn't worry about it.

We were first-time home buyers and we were able to make payments. At one time, Chase was trying to get me to buy the PMI. I called around to find someone. But the insurance companies laughed and said it's Chase's responsibility to buy it and we as a homeowner cannot. Well in 2009, my husband lost his job and they offered to help us with Obama's home modification loan assistance program, which we wish we had never done. There are documents after documents mailed, faxed, and FedEx-ed to them and to this day, no modifications were done.

In January, after being passed around to many people telling me different things, they said that they will just have 1 person handling my case since Chase added 300 people. But this would make me send them all the documents again.

As it is, I have been disabled for years and this did not help my stress and health in dealing with these people. We did all the calling and never got a call back. When I called in August to check the status on the case assuming that time they had everything. But then the relationship manager said they do need our 2010 tax return. I was very upset! I wouldn't have known this if I didn't call. I was planning to fax them but got ill and didn't get to do it at that time. No payments were made to them as of January 2010 like they said and this would stop our modification loan.

On September 4, 2011 we lost our home to the wildfire National disaster in Bastrop, TX. We were very blessed to be alive. Chase wanted $133,000 for our insurance but it should only be $110,000 because it was not our fault that it took more than a year for the to modify our loan for whatever reason. We tried to negotiate with them as Christian people do. We do not agree to the $133,000 they are asking for, just the $110,000. We ask they they forgive the $23,000. We filed a complaint last Thursday and they said someone will call me back in 3-5 business days.

Today our loan modification manager called and said he knew about the fire and if we had spoken to our home insurance. They were talking to me about foreclosure. I wanted to laugh, God-forbid, because how can they foreclose a home that is not there anymore. He had me speak to an Executive Office person and asked me if I wanted Chase to charge off $23,000. I said, "No ma'am. Not charge off but forgive like they said before that some loan modifications were being forgiven now." She put me on hold for a long time only to come back and say that they cannot forgive the $23,000 and we have to pay the whole amount of $133,000.

I said I'm going to plea the 5th on what I wanted to say but my husband and I will not accept this after all we have been through and this is not an FHA loan, which the relationship manager and the Executive Office person didn't agree with. I told them I would call the Governor and the Atty. General if they pursue.

I was so stressed, depressed and very upset and cannot believe this. Thank God we stopped paying them. Now we need an attorney that will help us in Texas and take this case since it's so complex due to the fire. Does our insurance have to pay them or make the check to us if we let them foreclose or if we file bankruptcy? It's not fair to us that we would use our personal money to rebuild our home. Someone please help us. God Bless All of us who have been tossed around so much through all these mess.

On September 26, 2011, my wife contacted the Chase mortgage company by phone and spoke with an operator and was told that our modification had gone through, our payments were lowered by almost 300.00 dollars per month with a new lower interest rate. The following day I received via Fedex a letter in the mail regarding foreclosure information.

I called the phone number displayed on the first page of the letter and was redirected from foreclosure to the modification dept. The modification was approved but our payment was not lowered, but increased by almost 400.00 dollars making it 1700.00 a month. How is this helping anyone in my opinion? This is a forceful attempt to foreclose a property by increasing the payment, making it impossible for me to pay because they want my property. How can mortgage companies do this to people seeking help?

These businesses should be held to a standard of legal responsibility and turned over to a government agency for prosecution. In some parts of the world this would be considered robbery.

Several days before the loan was to close, the attorney's office informed me over $3000 would be due for out of pocket expenses due to the escrow account. I previously discussed the fees for the escrow account with two separate loan processors throughout the entire process and each indicated they would be covered. Additionally, the closing attorney advised, if there were any issues to discuss with the bank regarding the delay of closing, October 3, 2011 was the date the loan rate would expire. The commitment letter indicated a suggested closing date of September 23, 2011, but when I contacted Ray ** on September 22nd to discuss the conflicting information I had received from his staff, he reported I already lost the lock-in rate we had agreed to and there was nothing he could do to remedy that problem or adhere to the information I was given in the commitment letter.

We contacted Chase about refinancing two years ago. They told us to fill out the applications, provide tax returns, provide pay check stubs, etc. All of the gathered paperwork totaled 30 plus pages, which we then faxed to Chase. After 2 weeks, we called Chase and asked about the status. They said they never got the paperwork. We refaxed it again. Another 2 weeks passed and we got the same story with Chase. After faxing it a 3rd time, they admitted receiving it. But they said the information on the documents was now no longer current, since 30 days had passed. We played this game with Chase for 6 months before giving up.

In July 2011, we received a notice from Chase that our mortgage would go up, from $950 per month to $1,220 per month due to issues with escrow. It would be effective in November 2011. We knew there was a discrepancy because we were paying our homeowner's insurance separately. We paid our normal $950 mortgage in August. Chase called us in mid-August saying that we owed them $1,220 and that our normal payment was not enough. I explained that Chase had sent a letter describing that the change would be effective in November 2011. They denied it. I asked where I could fax the letter showing them proof. They said they did not want to see it. Chase is now calling us every other day and hitting us up for mortgage and late fees, for a mortgage that is neither short nor late.

Trying to work with one person is impossible in dealing with Chase. By their own admission, they shuffle case loads every three months, so it's almost impossible to deal with the same person. The people who work desk and customer service jobs at Chase are beyond incompetent. That whole company needs to have a class-action lawsuit filed against it.

I was told that paperwork would be mailed to me by the end of the week. To date, I have not received any paperwork. I called several times and was told each time that my account was in "pending" status and that it was waiting to be approved. Yesterday, September 22, I called the customer service number and was told that the repayment plan has been approved and I was asked for a fax number so they could fax the paperwork to me within the next 24 hours, and to sign the forms and fax them back. The first payment, by the way is, due by September 30th. I didn't receive the fax today so I called and now, I have been told that the repayment plan has been denied but it is probably in error and to call back on Monday. I am at my wits' end! I have the money to send them and I was told to call back on Monday, that they can not take any payments until the plan is approved. Help!

Because I was not aware of their intention to take our home, I sent in my regular mortgage payment of $2269 on Sept 6. I was informed from the loss mitigation representative that they have not received a payment since August 6. I told them that was incorrect. It was because I sent my payment through online banking as an electronic funds transfer (EFT), and that was wired into Chase's account. I was told there was no record of this. And they told me that if a payment was received, it would be returned back to me since they are now refusing any payments received. I called my bank and confirmed the payment was sent. And I had proof of that payment sent to Chase. Now all of a sudden, the payment was received on Sept. 6, posted on Sept. 12, and returned on Sept. 12. This is as you know a **.

I still have not received my money. I have called everyday and I've spoken with a total of 11 different representatives with Chase. I was provided 2 wrong numbers to fax the information to. And I still cannot get cooperation from the bank in returning the payment to me. I was told that now it takes up to 30 days for an EFT to be returned. I called my bank to confirm this and was told it only takes 1-2 days. I was informed by my real-estate agent that Chase is known for conveniently losing paperwork. I have until Oct. 4 for this deal to happen. Yes, they gave me less than 2 weeks to have my home listed for the sale.

My entire story is too long to list here because it goes back a couple of years. But I would like to be contacted to provide additional information and to join the class action lawsuit. For any potential home buyers looking for a loan, please believe what I say. Stay away from this company. I've read some of the horror stories on this page. I've experienced a lot of the same issues from the homeowners insurance problems - tax bills, all of that, even the lack of communication regarding the loan modification. I can accurately and will attest under oath if necessary that these stories and mine are true. Something has to be done. I am all for taking this to another level in the courts. I am tired of honest working people like ourselves being ripped off by a bunch of billionaires and their staff. I am not sure what this Consumer Affairs can do, but I want it noted that I too am filing a complaint against J.P Morgan Chase/EMC.

Here is a very short rendition of "my story". Mid to late 2008 we continued to struggle financially due to medical hardships and the October 2008 crash changed our "second job" overnight, which was a small artistic railing my husband had started in 2004 to help us make ends meet. Since it is in the construction industry, most if not all Americans by now would realize the major impact it had on our business. We had to lay off our part time helper, a single mother. Business came to a screeching halt and we weren't getting much income. This was despite the fact that my husband made a good income through a full time job with a DOD contractor. I received SSDI benefits, having become disabled through a series of injuries and a brain injury in 1996 and received a small check monthly as well. Despite all the incomes, with rising gas and utilities and having grown up children, the over $3000 per month we had paid faithfully to WaMu became unbearable. WaMu failed and was bailed out by our government by our American tax dollars. So I figured if I called the bank for a work out, they could give a little, and we could meet in the middle. So, ours was one of many loans Chase picked up from WAMU, and inherited their mess.

So after paying on the house we built in 2001, I reviewed the paperwork and had refinanced with WaMu in an interest only arm in 2003. It was our only hope to save our home, hopefully at least until my husband's youngest daughter graduated high school. We often felt guilty that she had to worry about if we would still be in our home during her final year of High School. As an adult, you understand that really is the last year of your life that you don't have all the responsibility, at least not most kids.

Little did we understand at the time what a scam these loan terms were, and here we ended up in 2009, with a slightly higher balance than we started out with from the WAMU refinance in 2003. We have invested nearly $380,000.00 in loan payments on the property. I don't know math very well, but I do have morals and I do know that I have been stolen from and laughed at by greedy bankers. I have the money that I could not even fathom in my best days as an upper middle class resident of "the good part of town".

So March of 2009, when no one had even heard of a HAFA, an SS, nor a DIL, in hopes of some cash for my keys, I called the bank and asked about the new government program that the Obama administration had mentioned. I had located some basic information on the internet. In fact, I'm the one that asked Chase about the program at the time, and I had to wait a bit to even be given the forms. I felt lucky, because I knew I was ahead of the curve. I know the good days were gone, and it would get much worse. It did, and it still is.

After submission of many paperworks in 2009 for the HAFA program, every single day I worked ours on bank paperwork. Sometimes I sobbed. Sometimes I called the bank when I wanted to be a ** to someone. Just to let it out. I figured that they were partially responsible for this mess I had gotten into. I will be the first one to take half the responsibility. I was also one of the first to walk away from the closing table, feeling a little guilty, like I had been the one who got away with something. Looking back, that is disgusting and unfair. The government started loosening lending guidelines in the late 1980s, and soon they would give anyone with a breath a loan.

I was a beautiful fall day, in October of 2009. We had been on pins and needles for months. Stomach aces, deep sadness about loosing the home we had literally poured our souls into. Sometimes when the house was quiet, and Sarah was at school while Rob was at work, I would wander. Room to room, I was weeping and cherishing some of the last moments in the home. I looked up at the 30 cathedral ceiling in this monstrosity of a house, over 5000 square feet. It was too much to bear and I would fight, I would get a new agreement from the bank! Although I did not vote for our current president, I was certainly excited to hear what he had to say at that time. Maybe I was wrong, and I had hoped so much.

Then the unthinkable happened. Out of the blue, in the fall of 2009, after 12 years of service, my husband was laid off from his job. Our largest source of income. I thought I knew for sure, that given the loss of income, for sure we would be approved. Long story short, we were turned down in Oct 2009. I put the project on hold for a couple of months. After the first of the year, I was in constant contact not only with the bank, but with another guy who was a friend of a friend. He promised that the law firm he worked for would save our house.

February or so of 2010, we hired Kramer and Kaslow attorneys at law. After spending $3800 and 9 months into another HAFA submission that the attorneys had come up with some formula that pretty much guaranteed fit into Chases lending guidelines, we were turned down again.

The next strategy was to do a short sale. The home was put on the market September of 2009. We got 3 offers. We submitted the offer to Chase in October of 2009. Finally, two days before Christmas, they accepted the offer and we set a closing date of Jan 28, 2011. End of story, right? Well, not exactly after my husband putting in notice to quit the much lower paying job he had finally obtained in the fall of 2009. After being laid off for a year, transferring everything, shutting off utilities and loading two semi-trailers, ready for a cross country move, the deal fell through a week prior to closing.

Devastated, we had to literally make a decision to stay or go as our moving truck was arriving the next day. I couldn't take the roller coaster any more. I wanted off, I couldn't do it. Was it my brain injury or was it that I was giving up? The pain, the guilt, the anger, the frustration of hundreds of calls that got us no where had led us to this.

We hit the road and never looked back the following week. Neither one of the two back up offers on the home were good any longer, as six months had now passed and they had obtained other properties. In March of 2011, the house was put back on the market under the HAFA short sale program again. An offer was submitted to Chase bank in April of 2011. With such relief, I accept it but it took Chase bank five months to even review the offer. Once accepted in mid June 2011, closing was again for about 45 days later.

I don't think I'll ever understand what happened, or why this had to happen to our family, who struggles daily for the necessities that we once took as normal part of our lives. We spent two weeks with my parents, and then vacation had to end and some decisions have to be made. I started calling Chase bank yesterday. I told them we had two failed short sales. I told them my husband still has no consistent income. I told them the house was vacant, and I told them I wanted to give it back. I'm now documenting every call about Chase, and even thinking about starting a blog. A support group for those afflicted with screwed mortgage and cant focus on having any kind of life with their family or weird things we do when banks screw with my head.

Yesterday, September 22, 2011, like I said, I started calling the bank again to see what the requirements for a DIL are. After two hours and 6 calls, I did get a phone number for that department but no extension number. So I can't leave a message. We can't even work something sensible out together. So it is, I'm back to worry, get stressed that kills my mental and physical health. They can have it, and now they don't even want it. They wont even talk to me about it. Oh, the customer service agent did say that I would need to fill out new forms and provide a hardship letter and etc. Good thing, I have done that 38 times during the short sale process. I will get right on that.

I believe that they deny when they don't have time to deal with issues. Aren't we their customers!

Next. I was 60 days behind in my mortgage payment for the first time in 15 years. When I got over 30 days, I tried calling (let's not get into that because though I tried and tried, I could not get in touch with a live individual). Their phone and website would not accept anything less than 100% due, so I tried and tried because I believed that I should have spoken to someone there to explain that the payment would get caught up. Their phone system just kept disconnecting me.

So, out of desperation, I contacted an office in another state and spoke with a live person. They were sympathetic but informed me that they could not be of assistance and I should just send in the payment that I was trying to pay for 3 weeks.

Again, don't we pay the mortgage companies and aren't we their customers?

So once I mailed the payment, the very next day I received a call from Chase. An extremely rude man that made me felt like a criminal of some kind. Again, aren't we their customers? If I did business like they do, I would not be in business.

I was trying to deal with them for over 8 hours and I overused my cellphone minutes. I am disabled and I have paid all my payments on time. In addition, my mortgage was sold on my closing date. If I knew it was to Chase I would have walked away. Worst customer service ever plus awful, horrible non-handicapped accessible at all!

Brian's wife called me yesterday to tell that they received a letter stating that the house was to be auctioned on October 4th on the court house stairs. I contacted Chase yesterday and got another negotiator, and finally someone called me back and left a message because I was in a meeting. They have rejected the offer and the house is going to foreclosure.

On July of 2011, I read in my local newspaper, that the company was foreclosing on my home within ten days! A week later I received a postcard stating that my home would be auctioned off, two days after receiving the postcard. I called a regional help line, who guided me in stopping the "auction" of my home. Since that time, it has been repetitive requests for the same exact information every 30 to 60 days. I have not been informed as to why the same paperwork is required; let me see, six times this year. Still nothing has happened. No responses, nor replies, just fax us this list of documents. The Chase Mortgage Company has incompetent employees, leading me to believe that it is time to call in "Watch Dogs". I smell something foul here.

Now that I am having problems with my bills and mortgage, why would I take on another bill? Same with my Chase credit card; they asked like it is their money. My husband had such a bad stroke, that he is still in the hospital, and I literally used all of my savings for gas and can`t go see him. He`s an hour away. Thanks Chase.

Payments were to start again on June 2010 but to my surprise, they told me that they needed to speak to my dead mother for her approval. They told me that I was not on the loan and they have been refusing my payments ever since. However, in October 2010, I was served foreclosure papers in my name. I started working with a local loan officer in a Chase branch but he got the run around from his fellow employees. I called the VP's office and still could not get this worked out. So now, I have to go to court to straighten out their mess.

After repeated calls, we get a new customer service rep on our case. After another month of sending them personal documents, we were told we did not qualify for the remodification loan because our loan origination date was in 2009 and so was not in the allowed time to be able to file one (whatever that means).

OK, so fine, we will rough it out on our own, I guess. But then I found out Chase has placed my loan in an escrow impound account, and paid house insurance on my house. (I have never been late on a payment or missed a payment, and have always paid my own taxes and insurance--also not late or delinquent.) I did not authorize this and I didn't qualify for the loan modification, so they should have never placed my loan in anything!

I was planning on making this short because it is only a complaint board but now, I am understanding why everyone is writing so much. I am really frustrated. If someone where to blow up Chase Bank, I would call him/her a hero instead of a terrorist. They have lied to me in writing and otherwise, and tried to lie and foreclose on my home without telling me (which I caught them doing three times). They give me sale dates, which they never postpone until the day before the sale, and have kept me in such a state for over two years. I am 25 years old and I feel like I am going to have a heart attack. I developed gray hairs and will never trust any bank again in my life.

I have spent more time talking back and forth with Chase than with my part-time job. Negotiating with Chase Bank and re-faxing and sending the documents that they lose on a daily basis has been a part-time job and I have my loan number and all the other information encrypted into my soul by this time. I have time to do this, but sometimes, I wonder what a single mother with two kids would do in this situation. Whoever at Chase thinks that putting people through this is okay, should die, kill himself, or fix it. I personally think that the first two are more likely.

And this whole TARP fund and MHA stuff is a bunch of **. The banks are depleting the TARP fund by creating all these makeshift loan modification departments and sending out millions of packages and letters--prolonging everyone's modifications until they literally get sick of Chase and just give up their homes. I don't think we need a resolution at this point, I think the people need a revolution.

Egypt, Libya, Chase Bank?

Finally, on February 2011, I met with a Chase representative and gave her another updated package. She told me that Chase needed another appraisal on the property and I would have to wait, which I did. She requested more updated paperwork which I provided. This included a lease for the second unit and proof of my rental income from my tenant as well as utility bills showing my residence in the other unit.

Finally, on March 2011, I was told that I was approved for the HAMP program and I was sent the new loan paperwork which I promptly returned. I called and asked when I would get my loan paperwork returned and I was told Chase had denied my loan modification since I lived in a duplex. I told them that I always had disclosed that it was a duplex, and I had always reported my rental income. On July 2011, Chase requested that I send in more proof that I lived in the duplex. I had already sent in my phone and gas bill. I sent in another utility bill and called again. Chase said my modification had been denied and did not give a reason.

On August 31, 2011, I was sent an Acceleration Warning (Notice of Intent to foreclose), saying I owe $36,242.86. Needless to say, I cannot pay this amount which has grown considerably due to the legal fees, penalties, and late charges that Chase has added onto my debt during the two years of attempting to work with them.

Today, September 6, 2011, I spoke to a Miss Celeste ** and she too followed the pattern of previous representatives. I asked to speak to a supervisor and she stated that the supervisor would only give me the same information she is relaying to me. I was told on numerous occasions that the case is with the underwriter.

I believe two (2) years is enough time for Chase to give me a definitive answer. I lost my job in 2009 and was not able to pay my mortgage on time. However, I have had multiple jobs (non-staff) since then and have been making an affordable amount ($1,600) monthly; this amount allows me to provide for my basic needs. I would be very grateful if your agency is able to intervene on my behalf and Chase would be forthright with some definitive answers.

My loan number is **

Thank you in advance.

We have had one thing after another happen to us financially and the house is falling apart. We do not fix things unless we have to because we do not want to spend money on a house that is not ours to stay in. I would just like an answer, one way or another, so I can stop living in limbo on whether or not I will have a place to live or not. Chase is so completely in the wrong and need to stop giving people the run around like this.

Kathy borrowed money from her 401k at work in order to save our home and we filled out the paper for a modification loan. We sent in the paperwork 2 times and followed their instructions to the letter. The first attempt, we were told we did not get the package back on time. We did get it back by the date Chase had told us, but apparently it did not get posted. The second attempt, we were told we were not approved because we did not turn in all the required documents.

In 2010, we got behind again. This time, we had to come up with $12,000. We sold enough property to come up with this amount – property that was Kathy's family land. Then we were told that our loan had been changed and we now had an escrow account. We had never had escrow but Chase changed the loan and created an escrow.

Chase also paid our house insurance, which was up to date, and taxes. Chase then told us we had to come up with $4,000 more to bring our newly-created escrow account up to date. We again begged, borrowed, and stole to save our home.

This year we have had trouble because our house payment has been increased from $607 to $1,068. No one at Chase is able to tell us why our payment increased. We were sent modification papers again 2 weeks ago. They were filled out immediately and sent back to Chase by Certified Mail along with a payment of $5,032 to bring our account to full reinstatement according to the Chase Att.

Today, we called Chase to make sure everything was in order. We were told the paperwork was done on the old forms and we would have to resubmit the paperwork on the new forms. We only got the forms 2 weeks ago! We were also told we were still 2 months behind! Chase was advised that we had sent the exact amount requested by their lawyer and the only response we received was "I am unable to comment on that".

We are at the end of our rope! Help!

I am desperately in need of help because Chase Bank is trying to foreclose on my home and I am about to lose my mind. I had a written agreement with Trumbull County to pay my property taxes on a monthly basis because I simply could not pay them in a lump sum ($1,800 every six months). I also paid my homeowners insurance monthly to Nationwide.

In February 2010, I went into the Trumbull County Tax Assessors Office to make a final monthly payment until the next tax bill came out and was told that it had already been paid. In addition, it was paid one year in advance by Chase Bank. Then, the check I had sent Nationwide for my homeowners insurance was returned. I called my agent who investigated and discovered that Chase had paid the balance for the year and an additional year in advance. I phoned Chase to find out what was going on and was told that they had to make those payments because I was behind, which I was not and never had been. Chase then sent me a bill for over $5,000 demanding immediate payment.

I contacted my attorney (Ralph **) and he told me to continue to make my regular monthly mortgage payments on the first and in the middle of the month, and send Chase a check for the amount I had been paying Trumbull County and Nationwide. Chase kept demanding payment in full for the amount they had paid into an escrow account. And when I made my mortgage payments on the first of each month, they applied my mortgage payment to the escrow account and claimed that my mortgage payment was in arrears. They refused to listen when I called them. My December mortgage payment was returned to me. They refused to accept it and put the house in foreclosure because I was nine months in arrears.

I asked for a mortgage modification and it took them almost eight months to put one together. It arrived August 30th and I was not pleased with the terms. Chase told me that I have to accept the terms of the modification or my home goes into foreclosure (again). Chase increased the length of my mortgage to 40 years (I currently have 16 years remaining on a 20 year mortgage) and they reduced my payment by only $158.93 while adding 34 years to the length of my mortgage. They refused to discuss the modification and told me to accept the modification or give up the house. I have asked them again to refinance and they refused because I am in arrears by nine payments. They refused to listen when I tried to tell them that I am not, that it is an artificial situation caused by them.

I contacted a mortgage broker today, who claimed that they could refinance anyone even with bad credit. I gave them permission to pull my credit report and was told that the way Chase has reported my so-called payments in arrears, there was no possibility of ever getting refinanced. Chase has me between a rock and a hard place. I am totally trapped into accepting their terms or I lose my home.

I am literally at the end of my rope. I can't stop crying and I can barely function at work, which is seriously affecting my performance rating. I have no living relatives to ask for help. I am 66 years old and do not have enough time with the government to retire. I don't want to lose my home, I don't want to be behind in payments and I don't want to declare bankruptcy. I want to pay my bills, pay off my mortgage and retire in this house. But all I can see at the moment is that everything I have worked my whole life for is slipping away from me and I am being out on the street homeless.

We eventually caught up with our payments. In January 2010, my husband was laid off and started collecting unemployment. I called Chase several times to see if there was anything they could do and I was turned away. I received letters from Chase saying I may qualify for a loan modification. I filled out the paperwork each time, but never received a response from Chase.

In September 2010, my husband found a job, but it was much less than the income we had previously. I called Chase and they sent me yet more paperwork for me to fill out for the modification. They finally responded with a letter asking for additional information. I faxed it to them.

2 weeks later, I received a letter that they hadn't received anything. I faxed the documents to them again. 3 weeks later, they sent me a letter saying they didn't receive everything. I refaxed everything for the 3rd time. I finally received a response that my loan modification has been approved, but first I must make 8 on time payments.

Oh, and by the way, instead of my usual payments of $2,500, the "trial" payments would be $4,100. I sent a letter to the corporate office letting them know if I'm having a hard time with $2,500 a month, how am I supposed to pay $4,100 a month.

I finally received a response that my cased was being handled by Gail. The letter said she would contact me back within 30 days. 30 days later, she sent a letter that she needs an additional 30 days. I received a letter on August 15, 2011, that said she will contact me within 15 days since she was waiting for documentation (internally). I've called her a few times and left voice mails, but she hasn't responded.

I just received a letter from Chase today that unless they received full payment, they will start foreclosure. Chase obviously isn't aware of the Homeowners Affordability and Stability Act. They are staffed with incompetent people. I'm sure a class action lawsuit is in their near future.

During this ordeal, the investor for my FHA mortgage went from Freddie Mac to Chase. I'm sure it's a move to make it easier for them to foreclose since Freddie Mac makes it extremely hard for banks to foreclose on FHA loans. I worked for Washington Mutual Mortgage and I've seen their scams many times. Chase has become the new Washington Mutual.

I wrote to the Attorney General's office back then. I never got anywhere if there is a class action lawsuit out there. I want to be a part of it regardless of the years in difference. It was stated that the beginning of the mortgage crunch began when I lost my home. However, no one was listening because of the large banks and privilege. 5 yrs later and foreclosures are happening by a dozen a day. Thus, we have a mortgage crisis. All this happened in New York and in the Bronx, where the property was. You could not get an attorney to represent you.

Chase now has ruined my credit with two current 30-day late payments; the credit that I have spent the last 20 years guarding and building. This action taken by Chase borderlines on criminal, in my opinion. These two derogatories on our credit report have taken us from a credit score of 800 to now being ineligible to obtain a home loan of any kind for at least 12 months, and several years to be eligible to obtain premium rates.

Several representatives sent emails to request that she call me back but no response. I was even given her supervisor's name, Keith **, but he has failed to call too. I don't understand why they would let this property be foreclosed when the sellers have done everything to keep the property in good condition and has provided all the paperwork. Chase has a fiduciary responsibility to its customers. I have never worked with a company that has poor service such as this. It's ridiculous. I don't think they are in the business of trying to help their customers. Its very frustrating. I intend to contact others and complain about this until we are heard. They are just sitting back and waiting on foreclosing this property.

In November 2010, grandma also passed away. The home was left to my brother, Larry **. He left the account open for them to take the payments until they paid the house off with this insurance policy. They now have stopped taking the payment out and still won't pay the house off with the insurance policy. Now, they keep sending my brother foreclosure notices. We have tried many times to get this taken care of but no one wants to deal with us. We even got thrown out of Chase Bank on the 24th Street and on Thomas Road.

We need help because this bank is in the wrong and this home should have been paid for with the insurance policy. We even provided them with medical papers showing what caused the death. My brother doesn't have the money to pay for an attorney as he is a single dad just trying to make ends meet. Please help us fight this bank before they do take this home, in which they have no grounds, too, as it had the insurance policy to pay off upon death. Please help us!

I was told that the provisions for HAFA stated that it had to be my primary residence; it had been for four years. I kept getting foreclosure notices and other notices saying that the house was going to auction. I finally decided to pack everything and move. I couldn't deal with the roller coaster anymore. But I was told by a Chase representative that I could not move out. I had to stay in the house to qualify for HAFA. If not, they would sue me for the difference. I had closed my business due to low sales and was going to move to my mother's. I had saved up money to help with the move and support myself to go to school. But I had to use it to move on instead of sitting in an empty house. Everything had been put in storage.

After I moved to my mom's, they repeatedly made me sign forms to qualify for HAFA over and over again. After January 2011, I was told that I didn't have to live in the house anymore. HAFA provisions said that I just had to have lived there for 12 months. So, I left in January of 2011. It is now August and I have an offer on the house. However, they say that I don't qualify for HAFA because I can't prove that I lived there within 12 months before I left. They even had a man come by the house with a camera to prove I was there (so they had proof). They said that the only way for me to prove my residence was my bank statements with a street address. I had all my mail go to a P. O. Box so they wouldn't take anything else to prove I had lived there for 12 months after qualifying.

So, now, I don't get the $3,000.00. I spent over $5,000.00 sitting in the house because they said I couldn't leave. Now, they are just lying about my living there. $3,000.00 isn't much, but I was going to use it to go back to school and start my life over again. Other mortgage companies are offering 3 times the mortgage to move out and leave the house intact. I left the house with everything in it. I didn't remove the appliances, light fixtures and many other things I could have taken.

We waited and waited. Finally, we called to see what our status was. They said, they needed our financial paperwork again so we submitted it again. We called to follow up, we were denied. They said we didn't qualify. After inquiring as to why we were denied, we were told they made an error in our income calculation and they said they would process again. Of course, we needed to submit our financial records again. After 14 months, we received a letter stating that we are now being placed into a trial period and were asked to make payments that we're a little over $100 less then our normal mortgage payment (please note: we have never been late on our mortgage payments even after being laid off). We made all 4 trial period payments on time.

After 19 months and we were still in the process of getting a loan modification. Throughout this entire process, we have had to send in our financial information numerous times. After we completed the trial period, they asked for this information again. Why? Both my wife and I decided that this was a never-ending, painstaking process and we called Chase and asked if we could simply refinance due to the rates being so low. They said we cannot because they showed us having 6 months of late mortgage payments, huh? We've never missed a mortgage payment, ever! We then were told that our trial period payments were not applied to the loan but placed in an account. Why on earth would they do that and WHY did they not explain this us. We would have NEVER agreed to such a ludicrous program.

The result was that we now have bad credit, no relief on our loan and no way to get out of this mess! How in the world can anyone call this the Making Your Home Affordable program? What a joke! All this program did was ruin a good borrower. After 22 months, Chase sent a letter stating they have repaired my credit report and said our modification was in underwriting. At 24 months, Chase said we're in closing and that final papers would be sent out shortly and not to make a payment. We were told not to make a payment for 4 months. We were also told the terms of our new modification loan.

After 28 months, Chase called us and denied us! WHAT? We were told we were approved over the last 4 months! What a crock and scam this company is. Now they claim I owe over $10k. I want all of our records of ever being in a modification reversed, my credit restored and Chase to pay for what they've done. I can't even refinance now that I'm locked in Modification status. People wonder why the economy is in the toilet. It's due to ** at Chase and other mortgage companies.

On August 5, 2011, I applied for HAUP. I went to the internet and checked the requirement, and I do qualify for HAUP. Today, I received a letter saying that I applied for HAMP and we were ineligible. I had spoked with Kandra and Patricia ** and I had explained to Patricia that I didn't apply for HAMP. We do have good credit even we were in financial hardships. We always paid the mortgage on time. But if we do qualify for a program and we're not informed that we do qualify, I will use all of the right to talk and follow up this matter. I felt discriminated from this bank. This is not an excellent customer service and support either. I had worked in a bank for more than 10 years so I have knowledge about it.

They made me open a checking account with $25 and asked me to deposit more, once the loan is approved, and maintain a $2,000 balance that would earn money toward my principal every year. I got the account and ATM card, but I did not deposit more than $25 yet. They also charged me $395 for underwriter fee that I paid them. Usually, this is part of closing cost, and I got suspicious.

Anyway, after a couple of weeks, Andre called me and told me that there is an issue with a late payment on my current home loan, which I was aware of and that's why I had asked him about credit score in the first place. He asked me to drop a note to him saying that the reason why I was late was that I was sick. I did send him the email. (I have a copy of that). Also, the late payment was paid in full, including all late fee charges and my credit score is already above 750.

He got back to me last Thursday, while I was on vacation, and told me that they did not approve my loan and the only way was to go with full dock and appraisal. Obviously, with current home prices, this was not going to happen and I felt it's a trap for some other fees down the road, so I asked for a refund on my $395 and he said it's not refundable. I reminded him of our conversation about the credit score and he was not able to give me a convincing answer. I closed my account and walked out of Chase, telling them how the banks are up to their old tricks - taking money from working people in the economy.

I separated from my husband in 2008 and he lived in the house that we bought; however, he fell behind in payments. So in 2010, I began trying to work with Chase to get the house sold as a short sale. Irena ** is the assigned negotiator and has been very incompetent from the beginning. The realtor, James and myself have to fax things to her at least three times before she can find it. I have called her several times and never received a call unless I get someone else at Chase to send her supervisor a notice.

We have had several offers on the house; however, due to her incompetent nature, most of the potential buyers do not want to wait and move on. In July, Irena asked for one last thing—a signed extension for the closing of the property to be August 30. This buyer has cash, wants to buy the house and has been waiting for at least three months now. I called again on Monday, August 15, to get the status. Of course, she does not answer or call me back.

Today, August 18, I talked to someone from Chase and he said that based on his notes, the application was declined on August 11. I just want to sell the house but because Chase gets tax benefits from foreclosures, it seems that they are doing everything they can to get the house go into foreclosure.

I have been trying to get the house sold since October 2010 and I have had nothing but problems with Chase. I now understand why the government stopped Chase from putting homes in foreclosure status in 2009. Based on the comments on this site, it seems that this type of behavior is common practice for Chase. I have asked Chase where I can file complaints and I am not sure where I can send this information to get Chase investigated. So, any help you can provide would be greatly appreciated.

I received the first escrow analysis in May 2011 describing the mortgage payment increase from $1,121 to $1,472. I was outraged. I was never late on payments and was on the phone with Chase immediately. Chase only paid $119 to my escrow account for annual insurance premium and I was then advised over the phone that my escrow account was in a deficit of $2,800.

I told Chase I could not afford the increase; I simply do not make enough income to cover my mortgage. They spread the shortage out over four years, which brought my payment to $1,307. I was able to make one last payment in June 2011 of $1,307 and am now late on my payments.

I received a second escrow analysis in July 2011 detailing my mortgage was being raised from $1,307 to $1,492. I listed my house for sale in July and am now pursuing a short sale since I cannot make my monthly mortgage payments.

I was awarded an unfair interest and I do not have income to qualify for it. I have used my life savings to stay up to date on the payments. I can't refinance due to my income and credit.

I had a very difficult time getting knowledgeable people to assist me, and it took me "forever" to get my file into the underwriting department. I contacted Chase several times throughout this process and spoke to different representatives who would tell me different things were needed every time I called. It was really frustrating, but I got my file to underwriting after about six months and I was already getting foreclosure notices.

I was denied for modification and was told to submit another packet, so I did. My file went to underwriting, and my house was damaged in the April 2011 NC tornadoes. My file was somehow closed, but no one could tell me why it was closed. I had regular contact with Sylvia prior to the storm, but none afterwards although I called her several times and left messages. I ended up talking to Sylvia's supervisor, who reopened my file. I called to check on the modification and was told that it was denied. I haven't received any notices about the denial, except for a foreclosure sale date notice today. I called and talked to representative Martha, who told me that the modification hadn't been fully denied yet.

I guess no one there really knows anything or cares to know anything except that my home is going to be sold in a foreclosure sale on 9/7/11. I am out of options and am running out of time. Chase has not treated me fairly and has strung me along to foreclose on my property.

Around July of 2010, I was going through my documents one day to see when my loan would adjust and I realized that the modified loan has a balloon part to it at the end of 40 years. I went back to my counselor who advised me again to apply for another modification but this time, without balloon and in addition, we asked for a reduction of the principal mortgage amount because the house value has decreased tremendously. We started this process in July of 2010 and shortly after, I was told to start making a trial payment of $846.20 and I made this payment consistently for some months. One day around November 2010, I went online to pay my mortgage as usual only to realize that the amount has changed from $846.20 to $1,554.00 without warning or any written notice from Chase as to why my mortgage payment has changed. When contacted, Chase said this was as a result of the adjustable modification loan I got in 2008 which adjusted.

My counselor helped me apply for another modification again and it has been a roller coaster ever since. I have been denied up to four times for various reasons, most of which, include "not receiving the documents sent" (documents were sent over and over again either by fax or email). I have spoken to different representatives of Chase but whenever I called back, there would be no record of who I spoke with or what was discussed. This was so frustrating and I would have given up if not for the encouragement of my counselor.

Finally in April 2011, I received a call from Ann ** telling me she is my modification contact representative and she requested that I sign the Dodd-Frank Certification paper and fax this to her with some financial documents. I promptly comply but again, as always, no response. I called back and Ann claimed that the documents were not received. After series of faxing back and forth, she finally sent me a three-month trial package paying $1,662.00 beginning June 1, 2011 at the completion of which a final modification would be sent me.

Today August 11, 2011, I received this package in the mail and to my disappointment, the so-called modification terms are worst than anything I ever had and was struggling to pay. This modified loan has two parts to it; the first part contained the unpaid principal balance which would adjust as follows: $342,000 plus interest and other charges totaling $346,336.96 at 2% interest rate for the first 5 years, making principal, interest and escrow monthly payment $1,592.41. The interest would adjust one point yearly from the sixth year to eight year and would stabilize at this rate until the 40th year. The second part of this modified loan is called the deferred principal balance of $75,000.00 which "will be due on the maturity date plus any other amounts still owed under the loan documents" (not specified).

This is just part two of my complaint. I originally went to the Santa Ana office and spoke with a Zachary **. It seemed to go well and Mr. ** seemed sympathetic and seemed to want to help. While in the office, I had left several months of original bank statements that I really would have preferred Mr. ** to copy. He assured me that he would mail the originals back to me. Of course, I didn't hear back from Mr. ** nor did I receive my statements back. I could never reach Mr. ** but heard from several others.

In the meantime, I finally had to file bankruptcy but still wanted to reinstate my mortgage debt. Well, this changed my status with the Santa Ana office and my Chase file was with another division to start the process all over. When I finally reached Mr. **, he informed me that he had thrown out all my statements like yesterday's garbage! I was appalled not only by fact that he just threw them out and did not mail back as promised but by his cavalier attitude about it.

I spoke with his manager Art ** and he had promised to at least send duplicates back. I had contacted Mr. ** several times afterwards since January and received empty promises. To this date I have received nothing. Apparently, the tone and behavior came from the top! So now I have no loan mod, no bank/misc documents, and may be facing foreclosure soon! Way to go Chase!

If you were approved for the trial period, live in New York, made all of your scheduled payments on time, and then denied for a modification, please contact me.

On 8/1/11, 7:57 a.m., a Chase representative signed for the delivery of my payoff. It is now 8/11/11 and Chase has not posted the payment to my account and claims they can't find it. They have also shut down my online access. I have been told several times that Chase will "get right back to me with information" or that the payoff will be posted by midnight of the latest day I called. And still no payoff. This is not a short sale; all payoff demand amount were paid in full but Chase seems to not want to have this loan paid off.

How do I find a governing body with whom I can file a charge? I would never recommend Chase Mortgage to anyone looking for a loan. It has been a bad experience since the very first.

I called Chase a couple of times a week for nearly a year asking how much I should pay. They kept telling me it was still being reviewed. During this time, a guy named Kevin from Chase told me I shouldn't make payments during the process because every time I sent a payment, they would need to start the calculations all over again based on our balance and it would take longer. I trusted them and assumed they must put some kind of hold on your account or something during this process. Every time I called to ask, they told me everything was in order, all my requested paperwork had been received, it was just still in line to be reviewed, and that they were just backed up with so many.

In all my phone calls, I specifically asked how much to pay and they told me they didn't know yet and never once asked me for a payment of any kind. You never get the same person twice, I had even asked others if Kevin's statement was correct and they agreed with what I had been told.

This past February, I called once more and was told my mortgage was extremely late and it had a foreclosure status since I hadn't made payments. I stressed my anger and explained what I was told originally about not making payments to four different Chase representatives the day I found this out. The response I got was that even though I was told not to make payments, I should have mailed them in anyway and that it was my fault I hadn't mailed them so it wasn't their problem.

I was told I needed to pay 7000 in full to keep my home. With them reporting non payments to the credit bureaus, I was unable to come up with the money. We had to file chapter 13 to keep our home. We could afford the monthly payment, just couldn't afford to catch it up all at once.

I wish I hadn't let the opportunity for a lower payment entice me into applying for the modification in the first place. This has taken a mental toll on my husband and I. I haven't slept well in the last six months, worrying about losing our home and being destroyed by bankruptcy being our only option. We are so embarrassed to be in this position when we can afford our mortgage payment.

They over-funded escrow, showed me having a lower payment (Almost $100 lower), then, 2 weeks later, put my parcel number on the account 2 times, once with a dash 01, and doubled my estimate, so sent me a notice uping the amount owed by over $200 from privious amount.

Staff un-intelligable. It took 6 months of my branch manager's faxing and calls to correct 1st parcel error. Correction only lasted 2 weeks before it was messed up again.

Something else, they also miscalculated my escrow account every year and I even told them it was way off at the beginning. So I added a few dollars a month so as not to hit me too hard.

I have had some hardship in the last month with hospital and health and can’t believe I couldn’t get help through them. I have only been late once with a house payment during this loan and it was because I was in the hospital and very sick.

I received the rudest treatment from their customer service rep, including very inappropriate questions such as: What is the source of your income? What is the condition of your home? On and on. The person with whom I spoke was so rude that I ended up hanging up and calling back to speak to a supervisor.

With a credit score of 817, plenty of money in the bank, and no previous late payments, I have begun the process of refinancing with another institution. I will never do business with Chase again and would not have done so this time had my loan not been sold to them. My mortgage broker is handling the new loan with the provision that it must be held in-house and cannot be "sold" to Chase. I have been a customer of Bank of America for years, and have been treated professionally and courteously forever. Do not use Chase.

What a mistake! They had 5 different people working on our loan. 2 different people in 2 different NYC offices, a person in Long Island, a person in Iowa and the loan manager in NJ – a real cohesive unit. We came to an agreement with the seller and scheduled our closing date, which Chase insured us they would have our file completed in time.

Needless to say, they did not have our file completed by the closing date. At the time, we were living on the Upper East Side of NYC and had set up the closing date to coincide with the end of our apartment lease. Chase delayed our closing because they could not get approval on our PMI, which they insured us that first, would not be a problem in getting us approved and second, would only take a couple of days to be approved.

Chase sent me my commitment letter on Feb 10, 2011 and still did not have the file completed by March 4, 2011, our original closing date. Chase actually told us to go up to our closing on March 4, 2011, in CT, and they would have our file done by time we got up there. I sat in my car up in CT for 6 hours waiting for an approval that never came. I then took off of work the next 2 days to sit in the Chase office trying to get my file completed so I could close on my house and get out of my apartment, which I was now living in past my lease date. I was incurring additional charges with my landlord because Chase loan officers have no idea what they're doing. The back and forth went on for 2 weeks. They couldn't get me approved for PMI at the end of the day.

I had to empty out my life savings, received a gift from my family and had to take out a loan against our 401K to get enough money to put down the 20% down payment and have enough money in reserves to close our file. You might say well, I could have walked away from the deal, but unfortunately, we could not. I had already put a $5,000 deposit on the place and that would have been lost since the terms of our agreement with the seller was that once a commitment letter was received from Chase, our agreement was binding. And that when we and the seller received the commitment letter, a 10% down payment was required to be paid by us – roughly around $55,000.

In addition to this nightmare, I had to cancel my movers, had to take additional days off of work (on top of what I already had to take off to deal with Chase) and owed my landlord an additional 2 weeks rent. Simply ridiculous! When I went to Chase (2 weeks after my original date) finally after my file had closed to receive our bank checks to conduct the closing, I obviously had a ton of complaints for them and the way they handled our file. Chase promised us that they would pick up the additional costs (i.e. additional rent, movers cancellation fee, last minute movers additional charge, etc. we incurred in the delayed closing).

I've been following up with our loan officer since March and he returned my calls at first saying they were working on getting my compensation approved, but now I don't even get a callback. Nice service! It's simply ridiculous that people are treated this way and there is nothing in place for the common person like myself to do anything about it.

The offer was 5% interest for 30 yr. so we proceeded. We were told that we were automatically accepted into the program, because we make our payments and we have good credit.

We were given a good faith estimate of $133,850. We were told it would only cost us $395.00 out of pocket to do this loan.

We were also told that I had to open a Chase checking account with direct deposit, in order to do this loan. I did that too. As soon as my first deposit was made, the $395.00 was withdrawn from my account. I was also told by Tyon that I could skip June and July house payments, because we were already exempted and we would close on June 24th.

Of course, this did not happen. So therefore, I had to come up with the house payment. We are going to close on July 6th, so we should skip July and August payments. Of course, we did not close again.

By the way, we were not informed until 15 min. before closing that there was not going to be a closing. So it was then set up for July 14th at 9:00am. My husband and I showed up at the bank. No one was there for the closing!

We then asked to speak to Sam **, who is Tyon’s boss. We spoke to him on speaker phone with Tyon. We told him then that we were not going to proceed with this loan. (There were other factors that played into that decision, such as the loan amount now was $136,850 and 5 and a quarter %.)

Sam then apologized and said that he was going to refund our $395.00. Here we are into August and still no refund!

Chase bank has a bunch of liars working for them and I will never do business with them again. If I could get my house refinanced elsewhere I will!

I have expressed my concerns and frustrations to every representive only to hear no resolution. In the mean time I am the faced with a foreclosure which I am trying to prevent but they try to prolong it so that I do head down that road. I can never speak to a manager. My money is floating out in space with western union. There systems has not cleared for them to do a new one yet. Told to call back in a couple of days. I really don't understand why the customer has to go through so much when clearly I have called and documented every person I have talk to. They say trust them and it is our goal to keep you in your home. I was never initally sent any paperwork about forclosure until I tried to pay my payments and was told over the phone and that I should be receiveing something in the mail and told me to call lawyers.

I did that and then One rep stated that I should have been able to make a payment, the next rep says something different. foreclosure was set after I call which I could have made my payments without any lawyer fees. It goes on and on and on and I think this is ridiculous. It has to be a solution to the madness. Please help.

I had bought my daughter a home, and she was making payments on the home. It is a land/home package, and her name is on the deed for the land/home--just not the loan. So, I had to go through Chase, and add her as a point of contact concerning the loan/payments.

Anyway, my daughter had a cut in hours at her job in 2007, and fell behind on the payments. We both tried to contact chase to help with catching up the payments. We applied for a loan modification. This was in 2007! We have sent in all paperwork as instructed; so many times and I have lost count. Each time we were denied for a modification because we "failed to send in required documents".

Today, August 1, 2011, I was still waiting to hear something back from Chase about a deed turn in that I requested.

When I called to see what was going on, I was informed that my daughter’s home was going up for foreclosure in the morning at the courthouse at 11 AM.

Now, my daughter and her kids will be thrown out in the streets because of Chase Mortgage and their shady practices! When is someone going to step in, and do something?

How many more people have to lose their homes to these crooks before something is done?

Someone please, help! We don't know what else to do!

I had to send my paperwork for about four times. I never was able to talk to the same individual. I requested that my mortgage and home equity loan be rolled in together. After about two years of back and forth, I was congratulated on my loan modification, which raised my original loan by $600 a month and extended the loan by starting it over from the beginning with a new 360 months to pay. The home equity loan was not addressed because during the two years that this process took, that loan went into default.

I have no idea how they claim that these loan modifications are designed to help the homeowner. They are actually designed to drown you in debt from which there is no recovery.

On Tuesday morning, my husband went to the bank and got a cashier’s check. He took it to the post office and sent it via express mail. Chase had it the next morning. For about 2 1/2 weeks, Chase kept telling me when I called about every other day that they could not see where they received the money. Finally, they told me that they were sending it back because I was $800 short, as I did not send enough money. The $800 was for attorney fees they claimed.

Around the end of February, Chase called and said they would do a modification. I was to send $2100, and on the 1st of each month starting with April, I was to send $600. I sent $600 the 1st of April and May. By the end of May, Chase called and told me the modification had been denied. So, I needed to send $694.40 each month until the modification went through, and I did. The week before Thanksgiving, I got a packet stating that our loan payment would be $741.89 and additional $133.03 for taxes and insurance for a total of $874.92. The payment had only been $681.20. It was like we had to sign it or else, and we did not have time to consult anyone on the matter. Our interest rate did not go down either.

Well, after 3 days, I noticed that they haven't taken the money out of my account so I called Chase Bank. They said that they have received the funds and everything looks fine, and I should hear from them very soon concerning my new modification. But when I called back the second time, because the funds were not taken out of my account, they said that the bank rejected the withdrawal. After going back and forth with Chase Bank and after their investigation, they said that the routing number was correct but my bank account number was incorrect. The last number of my bank account number was off by one number. They told me that there was nothing that they could do except to try to escalate the issue. I was denied. They said that I would have to pay back the payment that I owe or face foreclosure.

I have bent over backwards for these people. My modification was denied again, Chase wants $11,000 and they are sending out a forclosure letter after I receive it I have thirty days to vacate. I have a very small income from social security and husband pension. I do not have enough money to survive now. I do not want to lose my home, which I raised my family in. I am still grieving the lose of my husband and now to have this worry. I feel that Chase is taking advantage of a grieving widow, who is disabled. In my oppinion they are a bunch of crooks and something needs to be done about them. Can someone please help me to save my home. Any help in this matter will certainly be appreciated. Thank you for your time.

3. There are no programs in Chase that conform to our loan requirements (third attempt) The last one I can't even understand.

Now we have been instructed to put our application thru "Champ" Chase's inhouse loan modification program- which I cannot get any guidelines to, explanation of , or what their requirements are. I did get asked if I would pay for an appraisal? I said no,

I asked what the appraisal value of the house had to do with the modification, where they going to create a plan base on the value of the property. I always thought that the loan modification was based on the loan amount, term of the loan and the income and expenses of the borrower. What part of that formula was the value of the home part of?

I have sent them information on closed sales prices for other properties in the community, sent them information from the county's property appraisers office, sent them sales information on existing homes on the market. I don't know what games they are playing but they are doing everything possible to just waste time and allow more late fees, unpaid interest to accumulate on the loan. They have even gone ahead and paid my insurance premium for a year, without there being an escrow account set up for insurance.

The insurance has been paid by me directly to the carrier from the inseption of the loan. If they were willing to drop their interest rate to 4% from 6% that would be the end of this headache. That is all that needs to be done. I have sent them chart after loan chart of sammple amortization tables that show the payments of interest and principal at the different interest rates. What is their logic of just tying up a borrower with endless paper work. Now we have been with underwriting under CHAMP since June, two seperated sets of financials have been sent to the underwriter, as of last week Wednesday another set of more current bank statments were sent, they tell me another 30 days. The time just keeps going with no end in sight.

In 2008, my husband took a substantial cut in pay; and due to the unemployment rate, lost my job as a recruiter. I was interviewed by a HUD agent and was pre-qualified for a modification (H4H) at the time. I applied for a modification through Chase back in 2008. No progress was made for over a year. Finally when we ran out of savings and had a 401K loan money, we missed our first payment. At that time, 2010, they placed us on a trial payment of $2,760 (our current loan is $3,760). I was told that if we made that payment successfully for 3 months, we would move forward to the final stages of the modification and would get a new loan payment at or around that amount. In good faith, I made that payment for 1 year.

All along, I was going $1K behind in payments and being reported to the credit bureau. They kept telling me loan documents were on the way and twice, I was even given a start date for my new payments. Toward the end of this, I was blessed enough to find a new job. However, the new job is only paying me $25K a year, more than what I was making on unemployment. Finally, in December 2010, I received a loan proposal and the new payment was not only higher than the trial payment amount, but it was higher than my current payment by almost $1K. If I was otherwise eligible for the trial amount, they would not have even proposed it. Then why were they coming back with a payment of almost $2K more? This does not make sense. The extra $25K a year I was making could not have justified my payment increasing $2K a month.

I disputed this amount explaining that we could not afford it. I re-applied and they again came back with a proposed payment of $4,500/ month. The house is worth $300K; my loan is $600K. Financially, it doesn't make sense to keep me in the home, paying interest rather than take the loss. The houses in my neighborhood have been sitting for years, accruing penalties from the city for not being maintained. You can avoid all that by keeping me in the house, paying. I can pay. I want to pay; I just can't make a payment in the $4k range. In writing, and verbally, I have explained that I can make a higher payment for the trial since I am now working, but can not pay the amount they are proposing. I have asked for the interest and/or terms to be re-evaluated to reduce the payment but they refuse to work with me.

We have been in our home for 10 years as the original owners. We have both been in our fields for over 15 years and are very hardworking citizens. We want to do the right thing and pay what we owe. We are not asking the bank to forgive any of the money we owe; we are simply asking them to come up with a payment lower than $3,500 / month. They will not work with us and seem more interested in foreclosure then negotiation. What programs are in-place that make the banks more eager to foreclose than work with the homeowners? They must be compensated somehow for foreclosing or they would be working with people. Please help me and my family stay in our home. We were sent a letter recently that stated we have 2 weeks to determine if we are going to foreclose or short sale. They are not working with us and not even giving me a payback option. Sincerely, Raquel ** Tel: ** Chase Loan/ BofA Investor

On the day of closing, we were informed that the JP Morgan Chase Branch at Six Corners in Chicago had misplaced and not documented the down payment check we had given. The Branch in Munster, Indiana would not take the confirmation code we had given them. This sum was over 10% of the purchase price of our home. They chose to ignore their clients. The Chase bank at 545 Ridge road in Munster, Indiana could not locate a faxed verification; they would not take the confirmation code. We had to wait to close on our home. We both had taken a day off work, paid for the roof to be fixed at our expense, and Mario nor any staff at Munster would help. Neither the branch, its representatives, or any member called to apologize after we were told that the faxed receipt was left on a desk, and that we had the right to close on our house. Instead, we had to take another day off work and hope that we could close.

As we were driving to close on the house, we were again phoned; Mario had not forwarded the proper documents and that we could not close. While waiting at the realtors office in Munster for 40 minutes, we again were informed that the emailed documents were found. These were emailed by myself that morning. In June, July and August of 2009, due to a mix up on their systems, Chase Bank actually withdrew my mortgage twice in a month. So over 3 Months, their computer took out 6 mortgage payments. This was fixed; and I was told to pay by another method, which I do automatically every month. While we were upset that Chase bank chose to take these illegal payments from our account, we called their office. After 2 hours, the problem was resolved.

In January of 2011, Chase Bank informed us that escrow payments would go up as they had miscalculated. I attempted to pay through their online system but their online mortgage system would not let me. Late bank fees were added and I asked the representative in April of 2011 how to fix the issues. I was told it would be resolved and it was their error. I was told I did not have to do anything else. In April 2011, the bank issued a foreclosure notice on my house stating that I was in default. I was shocked that a bank which had received 28 Billion dollars in bail-out money last 2009 could be so bad with managing money. My account shows that the bank takes out money and applies it to nothing. I asked to have this fixed, as I was assured in May 2011 it would be, if I paid late fees.

I paid the amount and my account showed that my next payment is due on 03/01/11. Again, I was behind but had done what the Chase banking team had told me to do, including paying late fees that were added to my account. Their mortgage specialist on the phone, a member of the Muster branch, told me I was in default. I explained the situation and he again said, "Sir, you are delinquent." I asked him to look at the bank's Misapplication Redirections. He said "You got your money in the bank." I asked, "Where?" He responded, "I don't know." He then told me I had to pay late fees as according to his screen, I am delinquent; and that's all he sees. Is this Chase Bank customer service? I have spoken to "supervisors" from the Philippines, India, Canada, USA and the only response that I get is ''Wow. This is complicated. I will have someone call you about this.'' I cannot get this issue fixed from Chase.

About 5 months later I received a call from someone saying they were from Chase and that Chase wanted to give me a loan modification. I told this guy I didn't believe him. That Chase was full of liars and thieves, I hung up on him. The next day a woman called saying she was from Chase and that it was true Chase wanted to give me a loan modification and they were sorry about turning me down before and that I should have gotten the modification because I was exactly the type of person who should be getting a modification. BS. They sent the paper work for me to sign and I did and have been faithfully making their payments every month right on time. What these SOB's didn't tell me was that if I excepted their modification Chase would screw up my credit so that I couldn't get a loan on anything. I've been paying on the modification for nearly a year. I've tried to refinance my house can't do it because Chase has put a black mark on my credit history.

My mother left my brother and I a piece of property and we can't get a mortgage on it because I have a black mark on my credit from Chase. If I sell my house I can't buy another one because Chase has f....up my credit. I've called Chase and asked what hoop I have to jump through now to get them to take this off my credit report but I can't get straight answer out of these people. The left hand doesn't know what the right hand is doing at Chase. I call them and all they can say is "we are trying to collect a debit". I pay my debits. I have a credit rating over 700 but that doesn't matter once Chase says you payed your mortgage late. Chase is a bunch of crooks that should all be in jail.

My balance in escrow is $1,907.54 as of 7/11. If they would pay for flood in October of this year it would be -$789.95, leaving a balance of $1960.44. Then when property tax is due in December - 1108.95, leaving a balance of $1414.39. This money would be more than enough to cover homeowners insurance.

We get sent a huge packet of docs that we fill out, sign, etc. Here was my first warning: they listed our checking account balance, not with their bank, as $300,000! I wish! After calling them to correct it, we complete the packet and take it back to the local branch to fax back to Chicago. Let the nightmare begin . . . A few days later I received a written document that shows my closing costs (money needed from us) are going to be about $1500 more than what I was quoted on the phone.

I also start receiving emails and phone calls left and right from several different Chase representatives that seem to be friendly "customer service" calls but amount to overwhelming nuisances and created the appearance that the left hand didn't know what the right hand was doing and I had no idea who I was supposed to be talking to.

In spite of us both having careers with our respective employers for over 20 years, our credit ratings being in the high 700s to low 800s, our current loan being with Chase with automatic payment deductions that were never late, and the fact that THEY called US to offer a new loan - we weren't looking for one! - over the next few weeks we get treated as if we are the biggest credit risk to ever walk in their door.

We made the mistake of buying a new bed after we started this process and took advantage of the store's zero-finance loan opportunity. We then were grilled about what's this XYZ loan for, what typee of loan is it, and what are the terms?

Job verification was another nightmare. My husband works for a large governmental agency and trying to make contact with a specific person who is authorized to verify employment is insane. By the time they finally were able to do that, the closing date got pushed back so that problem started again because they had to verify employment within 10 days of closing!

After the bed purchase inquiry we were ready to call it quits, believing the stress wasn't worth $400 a month. Had we not already put up $395 (which I was lead to believe was for the appraisal that actually cost $360) we would have told them where they could put their loan application.

So closing day finally rolls around and we schedule a meeting at the bank for July 8, 2011. We've either purchased or refinanced about 4 previous times over the past 20 years so we arrive expecting the usual; go over the docs, notary does their thing, etc. Well surprise, suprise! NO ONE is there to go over the papers with us, just the notary with a hundred places to sign! Shortly after starting, she's flipping the papers from one signature page to another, she starts realizing something isn't right and I explain to her that this is the first time we were seeing the documents. She felt bad because she was under the assumption that someone had already discussed the forms with us but it wasn't her role to explain the contents and we understood that. Fortunately, I knew key things to look for as we progressed and that I would have 3 business days to go through them in detail and cancel if need be so we kept plugging along. As we're going through them I realize they have my cell phone listed in several places as our home number, although I gave our home number several times to the Chicago rep. Then we get to the page regarding automatic payment deduction. The box that says, "No I don't want to" is checked. MAYBE THAT'S BECAUSE NO ONE EVER ASKED US ABOUT IT!!!! Because we absolutely did want the auto-deductions to continue.

Two days before the closing I had received a call from our Chicago rep confirming the signing date and advising that our closing costs that had risen $1500, now was resulting in a $660 refund???? (I'm guessing because the closing date got pushed past July 1, meaning another payment on the old loan went through, as there was no one to explain.) So, I didn't bring my checkbook with me to the signing but NOW I need it to provide a voided check for the auto pay authorization. It's from the same checking account and still going to Chase!!!! How hard can it be???

As I scurry out the door of the bank to go home and get my checkbook the bank manager who started all this cheerfully says, "Hey, Kim, are you all done? Everything good?!" I tell him, "no we're not done, and it's not okay. There are several things wrong." Guess who was done for the day by the time I got back to the bank 10 minutes later?

To throw salt in my own wound I decided to check the mortgage rates at the bank we've had our checking/savings account with for forever and saw that their rate is a half a percent lower than Chase! I could have thrown away that $395 and saved over $12,000 over the life of a loan with my trusted bank! I don't expect to be a customer of Chase Bank for much longer. There are plenty of other financial institutions to choose from and I recommend you do so!

It seemed logical to apply to Chase since they held my existing morgage, so I laid down my $395 "good faith" money and assumed that it would be relatively painless. My credit rating is very good, and I expeditiously sent and signed every form required of me.

I was then assigned an incoherant and incompetent loan processor along with a loan officer who didn't give a damn. I jumped through the usual hoops -- faxing a boatload of forms and statements to prove that I was a reliable client.

They sent an appraiser who depreciated the value of my property by 40%!

The final straw was after almost three months I was requested to resend bank statements because the ones they had from the previous two months were "outdated!"

I also came to realize that "good faith" is not a two-way street.

See my email below to Mr. Edmund Loomis on 6/29/2011 after we received the denied letter the evening before. The reason Chase gave us was insulting and ridiculous; plus, no one responded from this email.

Good Morning Edmund:

I am very upset and surprised to see the "turned down" letter of our Lanark refinance when a lady from your office called us on July 21st, while we were on vacation, scheduling a closing time on the 25th. Meanwhile, a letter dated 23rd was sent to us, rec'd on the 29th, stating the loan was denied. No one from Chase has the decency to either call us or email us to notify us the closing has been cancelled. Our children have activities on the weekend and we have been scheduling their activities around it. I am AMAZED how customers are being treated, especially when we are a long time customer of Chase. Thanks for the special treatment; we will now work on closing all our bank accounts and take our busy else where.

Also, the letter states the reason of decline is because the "value or type of collateral insufficient". Really??? This is not a new loan. It is the same loan with a lower interest rate. I am not asking for a larger loan and if it is insufficient for a LOWER interest rate, it would be insufficient for any loan from Chase.

What kind of bank is Chase turning into???

A few weeks later, they told me they finally got through to Chase and I should be making those payments, which by this time were after the "trial" period of the modification. I received a letter from Chase stating that a sheriff sale would take place. I contacted Chase directly asking if I could restart the trial. I received no further response from Chase. I contacted an attorney who talked to Chase and was informed that a sheriff sale occurred shortly after I contacted Chase the last time. I was told to contact Freddie Mac directly.

I contacted Freddie Mac and was given a phone number for the loss mitigation for Chase that deal with Washington Mutual Loans, which Chase took on. I talked with one lady, who, after two weeks and faxing a couple "books" of documents, told me her department changed and was no longer working on my case and I needed to talk to another person. I contacted another person, re-faxed all the paperwork and was told she was "on it".

After two to three weeks, I received a call back from her stating her department had changed and she was no longer working on my case and that in the future her supervisor would be assisting me. I went back and forth with the supervisor faxing papers I have already submitted two times before. I receive an eviction notice from attorneys working for Freddie Mac. I went to the hearing and talked to the attorney. I gave him the supervisor's name and phone number. The attorney is satisfied that my modification will be approved and eviction was cancelled.

The next week, I heard from the supervisor that his department is being moved off modifications but he will forward my documents to another person. Four months later, I was contacted by mail to re-submit all documentation and start over. I submitted all required documentation.

A month later, he is "missing" a document. I submitted another. The next week, he needed an explanation of my hardship, which was in the original documents. Four months later, I received another letter that my file would be turned over for further foreclosure proceedings unless I provide modification documents, which I had already faxed three times.

Now my home is being foreclosed and the attorneys may give us some cash for keys. Our local housing advocates "Habitat for Humanity" says after the sale, there is nothing they can do and to take the moving allowance.

After a week of sending via fax, they told me and the US bank representative via conference call that they needed payment by June 30th--today is July 1st. They reported this to the credit bureau. We have never been late with a payment on anything in our lives. US Bank told them that it was not our fault and that it was under investigation but they did not care.

In January 2011, I'm checking my bank account online, still being in Central America. My hair is standing on end and my heart almost stopped when I see what is going on in my bank account! I'm somewhere in the range of $1800 overdrawn and all my automatic payments to household utilities and CCs are bouncing all over the place!

At first, I believed I must have become the victim of identity theft, and somebody had hacked into my bank accounts, but on further investigation, I discovered the "supposed thefts" were actually an unauthorized withdrawal of funds from my checking account by Chase Bank! Apparently this had occurred not only in January, but also in October 2010. They had raided my checking account of $2000 to cover the price of this "hazard insurance" for a year's coverage. Then, again, they raided it in January 2011 for another year's coverage. Why I was required to pay for two years coverage in the short span of 3 1/2 months is a grand mystery to me! I'd love to see their accounting principles audited!

At the same time, I was receiving "your mortgage is in default" notices to my e-mail account. I was on "auto pay" with them so I was truly confused. All payments (and then some!) had been taken out of my checking account religiously for the last four years. No missed payments or late payments...ever! The comments all other Chase clients are describing about not being able to get through to a knowledgeable, competent person are 100% true! And from the tiny city in Guatemala, where I was, it was 10 times harder! I was passed around to at least six different people in 3-4 different departments. No one knew anything helpful, no one had a supervisor I could speak with. I never actually reached a Chase associate that was based in the USA or had enough direct access to my account to understand how to help me.

Many were incredibly rude, even deliberately severing the connection when I said I was losing patience with them. Bottom line is, I'm back in the USA, as of March 2011, and trying to figure out why Chase considers that I'm almost $4000 in arrears and they have now threatened me twice with default and "foreclosure" though I make my mortgage payments every single month without fail...all $1304 of it. I'm told the reason for the "being behind in my payments" isn't over my mortgage directly, but the "trust account" Chase has set up to fund the outrageously priced hazard insurance! This is what I'm apparently behind on, and not my mortgage.

But because they've attached it to the mortgage it becomes one entity, somehow, and if you're behind on one, you're behind on the other as well. Quite a nice scam going, from the looks of it, since the attorney who is linked to Chase also is the attorney for this "home insurance" company of dubious character. I've been charged late fees for this insurance, and "misc. fees" that they must have just pulled out of the air....I have no idea.

They did indeed send paperwork with their "loan in default" notices that say to call them to make arrangements to straighten out the past due balance. But, this solution is as pathetic an attempt as any other to reach them. There simply is either no option for reaching a "resolution dept." or no one answers the phone. If you do press "0" to attempt to reach an operator for assistance, after 10-15 seconds the call cuts off, and you're just listening to dead air. This has happened at least 5 times to me in the last 2 weeks. I can not get a live person to speak to.

My issues? If Chase purchased hazard insurance from me, even at what should be prohibitive prices, and charged my bank account $2000 for it, (twice, for God's sake!) why do I still owe them $3,975.30? And isn't "false advertising" illegal here in our great country? Also, phone numbers that can't be utilized to resolve an issue that they tell you to call so you can resolve your issue.

If Chase Bank decides they need to scrape the bottom of the "integrity pile" in order to bail themselves out of the mess they got themselves into, I am sure it shouldn't be at the expense of the American citizen who is trying their darndest to keep their nose above water and help the whole country out of this horrid predicament we're all in. I'm wondering if some of their business practices are even legal. The damage done to my accounts when they took out the unauthorized amounts and caused a lot of payments to bounce has resulted in my credit rating dropping to the mid-600's, and I also had a couple credit card companies lower my limits and a couple of them closed due to some of the fall-out from this problem.

Now, even if I wanted to refi my loan just to be rid of Chase Bank, I can't as my lower credit rating prohibits it. No one will touch me in this very sensitive credit market. Where is our government's regulatory help with this crazy bank's out of control behavior when we need them? Why is there no class-action lawsuit about them, as yet, or if there is one, could somebody please tell me the name of the firm and I'll jump on board and even make a donation!

I contacted the bank again in November 2008 and was connected to the newly formed loss mitigation department; I was told they could not help me until I had defaulted on the loan. I spoke with Renee in November 2008 and was told the process had been started and to check back December 22, 2008. In January 2009, I sought assistance from Jewish Family and Career Services; they were able to pay off a couple of my medical bills and one mortgage payment. On January 12, 2009, I received a call from Charlene Purdy at Chase requesting that I submit a hardship letter and other documentation. On January 26, 2009, I submitted (faxed) my first hardship packet - hardship letter, income/expense statement, proof of unemployment. Regular payments reduced to $1,119.82 (escrow reduction).

Per the instruction of the bank, I then defaulted on my mortgage so the bank could work with me. Received notice of defaulted mortgage dated March 10, 2009 I contacted the bank about a modification and was advised to provide documents. Received acceleration warning dated April 4, 2009. I called the bank upon receipt of the notice to confirm that loss mitigation was reviewing my file. I was assured that the computer automatically sends out the letters and not to be concerned; also confirmed that the loan had not been sent to McCalla. I contacted the bank and spoke with Michelle and James and submitted additional documents.

I received my first forbearance plan agreement about May 14, 2009. 6 installments of $511.50. The first with the signed agreement and the remaining 5 payments due on the first of June, July, August, September, October and November 2009. All payments were made timely. I contacted the bank in October and was asked to submit a new packet. I submitted, by fax, October 16, 2009. Received forbearance agreement dated November 6, 2009 requiring one payment of $11,854.95. I immediately call regarding the insanity of the request. Received acceleration warning dated November 7, 2009. Another call to the bank upon receipt of the notice to confirm that loss mitigation was reviewing my file. I was assured that the computer automatically sends out the letters and not to be concerned; also confirmed that the loan had not been sent to McCalla.

Received hope application packet from Chase dated November 17, 2009. Received forbearance agreement dated January 8, 2010. 1st payment of $1,120 due February 1, 2010. 3 payments of $974.84 due on the 26th of February, March and April, and a 5th payment on May 26th of $11,250.89. I called the bank regarding the insanity of the request for a final payment of $11,250.89. Property appraised at $115,000, amount owed about $137,000. Received notice from Chase about application for assistance dated January 15, 2010. Several calls to bank about required documentation and status of existing forbearance agreement. Received a call from Ron ** - Forbearance Repayment Team - sometime in March asking me if I was aware that the terms of the forbearance agreement had been changed. I was not submitted (faxed) additional documentation March 11, 2010.

New loan mod application submitted April 15, 2010. I contacted Ron and others to confirm that loss mitigation was still working on the loan and not to be concerned about the upcoming May 26th payment of $11,250.89. I was assured that all was in place. Received Notice of Intent to Accelerate dated June 1, 2010. Another call to the bank upon receipt of the notice to confirm that loss mitigation was reviewing my file. I was assured that the computer automatically sends out the letters and not to be concerned; also confirmed that the loan had not been sent to McCalla. Submitted additional documentation June 9, 2010.

In lieu of a new forbearance agreement, I was advised to continue making payments of $947.84 until otherwise advised. July 5, 2010, "call now notice" taped to my front door advising me to contact the bank immediately followed by angry call to bank. I remained in contact with the bank regarding the modification process. Applied for SBA loan and was rejected by letter dated August 24, 2010 due to an "insufficient lender matrix score". New loan mod application submitted (faxed) September 3, 2010. Applied with Chase for ARC loan and was rejected by letter dated September 25, 2010--poor credit performance with Chase" and "serious delinquency and public record or collection filed".

Received forbearance agreement dated October 13, 2010 (my birthday, woo hoo!): 6 payments of $879.52 due the first of November and December 2010 and January through April 2011. Spoke with Arlene ** to confirm that $68.30 in suspense would be applied if I made a reduced first payment. She said it would (it was). Received statement of eligibility for loan modification dated December 8, 2010: not qualified and was advised to call bank for options. Another "call now notice" appears on my door. Property now appraised at $98,000. More calls to the bank to confirm status to try to move things forward.

As the end of the most recent forbearance agreement approached, I contacted the bank for instructions and was told to continue making payments as provided under most recent forbearance agreement. On April 4, 2011, I received Notice of Intent to Accelerate dated March 31, 2011. Note that the existing forbearance agreement was effective through end of April (payment due and made prior to April 1st). I immediately called the bank upon receipt of the notice to confirm that loss mitigation was reviewing my file. Spoke with Stephanie **, then Kimberly, then Joan. I was again assured that the computer automatically sends out the letters and not to be concerned; also confirmed that the loan had not been sent to McCalla was advised to submit new loan mod application. I was also advised that a relationship manager would be assigned within 10 days.

New loan mod application submitted (faxed) April 4, 2011. Called bank 12 days later. There’s no relationship manager assigned. There were no additional papers required. Numerous calls to bank to follow up. Constant reassurances provided by bank personnel. May 5, 2011, I spoke with Alan, a relationship manager (not mine - still didn't have one assigned to my account) and was advised to send additional paperwork. Alan indicated that he was escalating the file. Submitted (faxed) additional paperwork May 16, 2011. Another "call now notice" appears on my door. More calls, confirmed documents received, and no problems noted.

On May 31, 2011 I received a letter from bank date May 25th, requesting a revised form 4506T be submitted "within 14 days of the date of the letter or the loan modification would be denied went to the branch to make my June payment. The payment was refused and I was advised to 'contact customer service'. Had the branch manager call customer service and was advised by Betsy ** (banker services) that the loan was 13 months in default and had been sent to the attorneys on May 26th, in spite of the fact that I had in my hand a letter dated May 25, 2011 stating that I had 14 days from the date of the letter to provide additional documentation, and that she had no record that the loan had ever been in loss mitigation'. I returned home, faxed 4506-T form, called the bank, and spoke with Mike in loss mitigation. I was advised that the file had been closed on May 16, 2011. I find it odd that the file was closed the day I submitted the additional documentation, and that even in conversation with other bank representatives, I was never notified in the change of status was advised to submit another modification application. Dropping everything again, I assembled a new application packet.

I should have been completing a final paper for one of my 4 classes. That paper was due on the 1st. I spent class that evening toggling between the paper and listening to the lecture. New loan mod application submitted (faxed) May 31, 2011 at 5:56 pm. I called the morning of June 1st to confirm receipt of documents and spoke with Sumi who reviewed the notes and confirmed that the package had been received. She took copious notes and seemed genuinely concerned about the situation and sent escalation e-mails to various departments and advised that the notes showed that a relationship manager, Jenni **, had been assigned to the loan on June 2nd since it was only June 1st.

I questioned the date. She confirmed that the notes said June 2, 2010. I was not pleased since I had never heard from this person before, nor had anyone at the bank ever mentioned that someone had been assigned in 2010. While we were talking, she received notice that a new relationship manager had been assigned; it was the aforementioned Jenni **. I asked to be transferred to Jenni's supervisor, Richard. I left him a voice mail advising that I was not comfortable working with Ms. ** as she had never contacted since originally being assigned to my case in 2010. He has never returned my call. Jenni ** called me later that afternoon to introduce herself, apologize for any confusion and let me know that the system was being updated (I imagine to erase any indication that she had been assigned to my file a year ago).

She advised that the 4506T was missing information and asked me to resubmit it again. I re-faxed the form while we were on the phone. She said she would review the packet and call me in the morning to let me know if there were any deficiencies. I e-mailed the dean and my professors to let them know that it was likely that I would not have any of my final assignments in on time due to the unreasonable requests being made by the bank. At this time I am running a home based business, attending graduate school full time and maintaining a 3.6 GPA. I doubt somehow that I will still be able to maintain my GPA given the additional stress and demands being made on my time and patience by the bank.

June 2, 2011, Jenni called. I asked about the foreclosure status and was told that until underwriter reviews file, the loan is to remain "in foreclosure". I was told that I needed to resubmit form 4506T because "the IRS will refuse anything that is handwritten rather than typed". "It is an IRS rule, not ours." She told me to sign and date my federal income tax extension request because the IRS will not accept it without a signature. I advised that the form had been successfully e-filed and that she, the IRS and I have the confirmation e-mail. Even with this advice to Jenni, she insisted that I date the extension with the current date even though it was submitted in April!

I was also instructed to automatically send all my bank statements as I receive them, as well as copies of all my student loan award letters and a letter from the school, in addition to copies of all my tuition invoices, statements and related check stubs. And even though the modification application instructions clearly state that the bank would accept either 3 months of business bank statements or a P&L statement for the most recent year, I was told to submit a 2010 year end P&;L, as well as P&Ls for the first 2 quarters of 2011. Note the aforementioned tax extension. The 2010 reports had not yet been prepared, nor had 2011 information been entered into the system. Note also that the 2nd quarter of 2011 has not yet ended. Again, I put work and school to the side to comply.

I had to alert my bookkeeper to the new deadline and incurred additional rush fees to prepare the required reports and statements. June 3, 2011, I received a letter from the PMI company offering to help. I called and they instructed me to send them an application too. They said that they sometimes had more leverage to push a mod through. I spent all day and night Friday, sleeping only 3 or 4 hours, and all day and night Saturday working on the packages and working with my bookkeeper. As a rule, I do not conduct business on the Jewish Sabbath, but I felt compelled to get the paperwork completed and filed. I also have final papers due for school and billable work so I needed to keep time available to meet those deadlines. Revised loan modification application submitted (faxed) to Chase and assistance package submitted to PMI company about 5 am on Sunday.

No, I had not slept June 6, 2011. I called the bank and PMI company to confirm receipt of documents. Spoke with Roger at Chase and was advised that it might be a few days before the file was assigned to an underwriter. Yes, the file was still in foreclosure. I explained my concerns to Roger who transferred me to the Executive Resolution Group. I spoke with Brittany **, recounted most of the above an internal claim/complaint has been filed.

Note: I have been working with bank for 2 years to obtain a modification. In that time, the bank has never refused payment nor was I ever advised of any new issues or that payments would no longer be accepted. In that time, the bank has offered several trial payment plans and I have made every payment. Before the end of each trial period, I contacted the bank about the next step, was advised to keep making payments per the most recent forbearance agreement and submit new loan mod applications. Notices of intent to accelerate usually followed within a few days prompting calls to bank about the modification status and assurances that property was not being sent to foreclosure. I have not received a mortgage loan statement since April 2009 and now that the account has been 'closed'. I no longer have online access to the account.

As a result of their lack of fair dealing, my mortgage now shows that the account is 13 months in arrears, even though every payment has been made per every agreement. I cannot qualify for any other type of loan, including a small business or student loan. In the past two weeks, I have been so consumed by stress related to the possible loss of my home and the unending (and unreasonable) requests for additional documentation that I have not been sleeping or eating. I had to request extensions on all my finals and risk losing my class standing. I have not been able to focus on my business. I have also violated the restrictions of the Sabbath and Shavuos in order respond to every request by the bank.

On May 13, he said again that they were ready to close. So the sellers vacated to temporary housing so I could close on the property. Lamonte, said that they will instead close on May 17, 2011. So I had all the utilities switched in my name at the new property. I signed a ‘Specialty Warranty Deed’ and return possession of my current home over to my husband. Chase required that I do that or my husband would have to be on the new home loan. I did everything that was necessary and was told at 3 p.m., Eastern Time, we could not close because I was not yet divorced and the loan will not fund it. At this point, me and my 3 and 9 year old kids do not have a place to live. The divorce was finalized on May 18, 2011. I left straight from court to Chase to give them my signed divorce papers. I was told that that should be good and we would be ready for closing. On May 19, 2011, the contract for the home expired and Chase said that we would be ready to close on May 20. The sellers extend to May 20 yet nothing.

The title that the company waited for each time was the necessary closing documents and each time, we were told that they were coming yet they never arrived. Today is May 25, 2011, Chase is ready to close again but at a higher interest rate and even more of a additional cost for me. Chase has misled me in the attempt to cash in on a single black mother. They offered a service but did not provide that service.

At the end of each 3-month period, I was "denied or declined" request for permanent modification due to lack of paperwork or some other reason. I was sent a package of papers every 4 months or so to fill out, requesting my tax returns for the previous years, Frank-Dodd Certification, check stubs, bank statements, letter of hardship, list of finances, etc. Then, they told me they expire every month and have to be updated and re-sent, even though it takes almost 2 months to get them reviewed! Normally when these requests were sent to me, they were dated 2 weeks prior to delivery, and sometimes even a week after the deadline inside, making it impossible to respond on time. This has now happened 6 times since Oct. 2009. The computer dialer calls my cell phone (only phone) all hours of the night, sometimes as late as 12 am! When I answer it, it says, "Stay on the line for an important message from Chase Home Finance." If you stay on the line, it takes nearly 3 minutes before a live person picks up. Then when they do, they request that I verify my identity, address, loan number etc. when they called me!

Several times, I had answered these calls from Chase and made arrangements for payment or payment verification during the last 2 years and this whole ordeal. And as soon as I hang up, the computer starts calling me again 5 or more times in one night, often very late. Then, when I wait and answer them again, it is the same thing over and over like we never spoke before. One day this had happened. And instead of me verifying myself to them, I requested the caller to verify with me the same information, which he could do all except the loan number. It was way off! This red flagged me to wonder if it was truly Chase making these excessive and absurd phone calls! When I call to inquire about my loan or request copies of statements, I am transferred at least 6 times to at least 4 different states and departments and required to verify all of my information with them again and again.

These phone calls always take at least 2 hours on the phone if not more. And not one single person can give me any information that is the same as the last or helpful in my request. Many times in the many transfers during a phone call, they would give you a "direct number" just in case the call gets disconnected in the transfer and then would simply disconnect as if to do it on purpose. Hang up if you will, or a message would come on "we can no longer service your call, please call back later". Then, when you call the "direct line" back and request that certain person you were being directed to, the call starts all over at customer service or wherever. And they either have no clue who you want to talk to. If by chance you do get the right department, that person is conveniently away from the desk and the person on the line is "just as qualified" to handle your situation. This happens most of the time in completely different physical locations of the county, different states!

If you do not talk to the person on the line at the time and opt to leave a voice mail (supposed "account manager now assigned to your loan"), they never call back, never! And then, when you wait a week or so as directed and try to call again, your account has been reassigned and the process starts all over. It is now May of 2011 and I am no closer to solving this issue than when it was started in April 2009. In fact, I am further away and can only resort to legal action. And to top it off, in August of 2010, I had enough money in my "suspense funds". I was within 2 payments of being completely caught up on my mortgage so that a modification was no longer necessary (totaled over $3,000.00). And it mysteriously cannot be found!

When I called to again request statements and payment histories to match with mine and find missing ones (I haven’t been the best record keeper and have kids that like to color on and take off with any paper they can find), they denied my request or said it was sent. But it never seems to have gotten here! In Sept. 2010, just after the money disappeared, I refused to send them another payment to "lose" or place into "suspense" until they could locate the missing $3,000.00. And it is a good thing I did. Otherwise, all that money would have completely disappeared and been untraceable. Instead, I put the payments each month away into escrow (savings) at local bank. My last payment was in August 2010 that I sent them before the money vanished. At that time, when the money disappeared from suspense, I owed one current payment and one late payment. That was just 9 months ago, so I would owe at most 10 months of payments.

They are stating now that I am 17 months past due and owe then almost $7,000.00. This amount only adds up when you add the money lost, the payments not paid to them since, late fees, and their "miscellaneous" fees, which are excessive and unexplained. My payments are approximately $381.00 a month. In 10 months it would be $3810.00. And if I was 17 months behind as they claim, it would be $6,460. That is huge gap and a lot of "other miscellaneous” fees! They are now threatening almost every day foreclosure, even though while investigation of my dispute, they cannot actually foreclose on the house. So, I never know or can have a peaceful feeling while this hangs over my head. It is also ruining my credit beyond belief! I could not even refinance my car without a cosigner. My insurance, since it is credit based, has doubled. I cannot buy another house even if I sell this one, with the bad credit! I am at wit’s end with Chase!

While attempting to get information on the money order, I stopped making payments. I was thinking that when they called me about payment, I could ask about the money order and possibly force Chase to give me information on the money order (this didn’t work). So finally, when I saw that they were not going to give me the information, I attempted to make a payment over the phone. They told me that I cannot make a payment over the phone, and that I needed to get a cashier’s check. I went to the bank and purchased a cashier’s check on 3/18 and mailed it to Chase. On my next conversation, I was informed that the house was in foreclosure. They had returned the cashier’s check because they would not accept partial payment. I did not get the check back.

On 4/18, I went to Chase's foreclosure attorney and paid $4000.00 (mostly attorney fees) to get the house out of foreclosure. I discovered on 5/3 that my bank account was bouncing transactions and I was getting overdraft fees. Chase had debited a payment from my account without authorization after supposedly returning a cashier’s check again, because they could not take partial payment due to foreclosure. The house was still getting paid up to date through the lawyers who said it would take two weeks to process the payments from the 18th.

So, to sum it all up, after hundreds of hours spent on the phone with Chase, they said that they posted the money order on the account (I can’t get a payment history statement to figure out if they did or not or where the missing payment was from a year ago). The cashier’s check is still missing and they want me to fax once again the check information to their research department. My bank account is $1000.00 in the red because of a payment taken that I did not authorize.

Well the first part of August, we received the final paper work to sign and overnight back to Chase (we could finally breath). Our first payment would start on September the first. When it got time to make the first payment, we called to get the information due to we had to make it via Western Union. We talked to a Mr. **, standing at the local grocery store. All that Mr. ** would say is send it through Western Union and would not give me the code city. After the 3rd attempt, we finally got a hold of someone else.

We started making our payments of $970.00 a month. Then the end of December, we received a statement from Chase stating we owed $10,000.00 dollars because we were late with our payments. We had missed 11 payments. We thought that is not true. We had been making our payments like the modification stated. So we got on the phone and proceeded to contact Chase. Some of the people we talked to did not know what had happened. They were going to try to find out higher up and stated they would be contacting us back, well they never did.

After contacting them, we finally got a hold of someone that stated that our loan modification never went through due to we had a NSF check. Well that was news to us. Now we have an option. We have to do a new loan modification or pay them $10,000.00 in order to keep our home, something that is our life. When we asked if we could make our monthly payment this month, they said no, not until we come up with the rest of the money. Now, if we had known that we did not have a loan modification we could have tried to catch those 2 payments up, but we waited and never still has received anything via mail, e-mail nor a phone call stating that the loan modification did not go through. Last September, we found out by calling them. Now there is no way we can come up with $10,000.00 to catch it up. So now, what are we going to do.

We were then told we had to re-apply. We've re-applied 8 times now. I was told by my contact person that everything was OK and it should be a couple of weeks. This was on April 1. On April 8, I have been told by Chase that I have to re-submit the paperwork again and start all over again!

Is this ever going to end? I have been physically ill from the stress of all this runaround. And my house is falling apart, because we do not want to put any money into it till we find out if we are going to keep it. Also, I can't buy a car when my old one quit, because I was told that Chase has my credit messed up. They do not call me and inform me of anything, and I have been told that it was my job, not theirs.

In April of 2008, my 6-month-old son was shaken by his daycare provider and suffered from brain hemorrhaging. He was in the Pediatric Intensive Care Unit at Kaiser Hospital in Oakland for six weeks and underwent multiple surgeries. During this time, I was unable to work and my husband at the time (we are now divorced due to the strain that this even put on our marriage) fell behind with our mortgage payments. I re-applied for a mortgage modification with my income alone in early 2009 and was subsequently approved for a 3-month trial payment plan in August of 2009. I made eleven trial payments to Chase Bank before my load modification application was denied due to insufficient income.

I don't understand how I was able to pay my trial payment for eleven months, only to be denied due to my income not being sufficient enough to afford the payment. They never called me to tell me that I was denied. I had to find out by calling them to check on the status of my application.

In order to save my house and supplement my income, I rented a room out and provided a copy of the lease agreement to Chase in July of 2010. I have since started making my trial payments again, but my account is still in review.

I am asking for some assistance as I am a single mom, just an average full-time employee, that seems to have been lost in the home loan modification applications at Chase Bank. I thought that it was the reason that President Obama approved new guidelines for financial institutions to follow regarding loan modification processes.

When I finally got fed up, I wanted to just start making payments but they wouldn't accept any because I had to pay all the past due. By this time, 4 more months were added to the three that I was already past due. If I didn't have the 3 months, how in the world they expect me to pay 7 months all at once? **! Well, I was forced to continue with the modification not knowing what else to do. It continued with the missing information, rude and lazy reps. I kept hearing it will be submitted to the underwriters and because I would talk to so many different people, they would contradict themselves. One day, it was submitted, the next it wasn't. I never got letters that I was rejected and I sent them every single piece of information they needed. Only once did all the different reps I spoke to agree: That it was submitted to the underwriters. That was only 2 weeks before the sale date came around and was 13 months later.

The sale date was only weeks away on April 5th and I continued to call everyday asking to please check my file and let me know if there's anything missing. But as usual, if it wasn't the relationship manager assigned to my loan at that time, the incompetent reps would just assume all was fine, the hold was in effect and that I should not worry about it. Well, April 5th came around and me trusting that the foreclosure was put on hold. I called Zoila, the relationship manager, at 9AM to confirm that all was okay. Surprisingly, I got her on the phone and I was on hold, but she needed more information. Trusting her words, I requested a call back at 1PM because I was at work and lunchtime would be better to talk.

1PM came around and I didn't get a call so at 1:20PM, I called Zoila. Again, I got a different rep and they managed to get her on the phone. When she got on the phone, after she verified my name, social, date of birth, address, phones, etc, she was so heartless and told me that she saw in her notes that I had to call the attorney for a reinstatement amount. If they didn't hear from me before 1PM, the house would sell. I was devastated! All this incompetent rep could say after this was "can I transfer you to the attorney?". Hoping that I could still stop the sale, I called and in fact it was foreclosed. Zoila failed to tell that at 9AM, when we spoke that morning. Instead, I got misled into thinking it was okay. The attorney's office couldn't tell at that time who bought my house so they said to call tomorrow. So I did and they said it went back to Chase and for more information, call them.

I was interested in knowing my options after foreclosure, so I did and who did I get on the phone? Zoila. She again misled me into thinking the foreclosure was actually put on hold and that I still had a chance at the modification. So I sent her the missing information again the next day and this was April 7th. I called her to make sure the information was okay because she can't call. Another rep said if the information was not accurate, she would call me. I needed to know and I asked this other rep if it was on hold, he said yes. I was so happy as anyone who's going through this would know. Well, April 7th, a real estate agent came to my house and I wasn't home of course because I work. She just happened to bump into my father-in-law and left a business card.

When I called the agent, she said she didn't want to tell me this over the phone but because I insisted, she told me she was with Freddie Mac (the owner of my loan) and my home was foreclosed. Again, I was devastated and just wanted to die. I told her I was told by Chase that it has been reconsidered and she said to call them back. I did and the reps, not Zoila, said it was foreclosed. I told them "why did they lie to me?", the reps have been so rude and said there was nowhere on there that says the foreclosure was on hold, on the contrary, it was rejected. I have 30 to 60 days to vacate my home and I have nowhere to go. 6 years in this home and now I'm homeless. Never again will I deal with Chase. I will cancel all my checking accounts and wish them **!

Then they told her I did not qualify for a modification, that they would not except any of my documentation. I had to pay 1/2 what was due then spread the rest out in payments. They say I am 13 months behind. My last full payment to them was in August. Then, I received another letter from them dated March 22 saying they need further documentation to modify the loan. During modification, they tell me to stop making payments so I would qualify for modification or repayment plan. 4-4-11, I called them today and a gentlemen told me that they were waiting on more documentation, I explained to him the entire situation and told him I wanted to do a re-payment plan and then try again for modification but I want to start paying so I do not go into foreclosure. He said first, I had to put as much down as possible on the arrears, then do re payment plan. I gave him all my income and expenses and he went over my financial in the computer, said he would except a little over 1/2 of the arrears right now and my payments would be a certain amount (told me the amount and length of payments) then put me on hold. When he came back he said he could not set up the re-payment plan.

I told him fine just take the down payment now so at least they would have something toward the arrears. He said he could not even do that. He said he would mail out a packet for loan modification again. I just received a letter from them dated March 22 saying they need further documentation to modify the loan (this was the same information he told me they needed). He apologized for someone telling the housing council that they would not consider a modification and told me they would consider one, that when I get the packet in the mail to get it back to them asap. I have no options, they wont let me pay anything. I have contacted customer service and requested 2 years payment history and original loan documents. Lady said she would mail out today and I will receive in 7 to 10 business days. We will see if I receive them.

I just don't need the grief. I'm 72 years old, very much disabled, and mostly home bound. I've been paying the mortgage, as agreed, every month, and have never been late. My mortgage insurance is supposed to be $47 a month. So far, the only damage is rattled nerves, and another crazy-making hour of trying to reach a human being! If they do not pay the insurance, I assume there will be further hassle. However, I plan to stay on top of it. I don't trust most banks in general, and Chase in particular!

Firstly, they did not contact me regarding the fact that I did not have the documentation required. Secondly, if the payment is posted twice to the mortgage account, why would they require more evidence? The customer service individual who is from the Philippines knows nothing. I asked to speak to a supervisor, they told me they don't have one. I asked for a phone number to the research department, his response was they don't have a phone number only a fax. This is unbelievable that they want me to provide an actual bank statement to prove I made a "duplicate" payment when they posted payment twice on the account. I told the customer service rep this is unbelievable bull** made up to hold onto a customer's money to buy time for Chase to hold onto money that does not belong to them. I will never bank with them!

In July 2009, my husband was given 3 to 6 months to live. I went to an old friend at National Bank in Sedona who had helped us twice with our mortgage. I wanted to see if she could help with modifying our 15-year mortgage to 30 years, so I could reduce our monthly payment and make it more affordable. She called right away only to tell me we were 30 days past due on our current mortgage with Chase, and there was nothing she could do because of that. All of her lenders were refusing to accept any accounts with a 30 or more days delinquency in the past 12 months.

I had not told my husband that I was looking into this, and he overheard the conversation and told me there was nothing to worry about--he had contacted Chase in May 2009 and explained our situation to them. He said they told him not to make any further payments, and they would send the necessary documents to refinance.

I continued to work with my friend for a few days, trying to get the 30-day delinquency mark removed from my credit, so she could help anyway. We both had known of a Chase employee and contacted her for help. She told us that the person she spoke with in the Chase Mortgage department did admit they tell customers not to make payments when they are going to refinance and that they would send a letter so we could fix my credit. We asked if they would fax the letter so she could start working on things right away, but they stated that it had to be mailed.

A few days later, I received the letter but it said nothing about an error. I called the person who signed it and was told they would not put it in writing that they made an error or admit telling customers not to make payments. When I spoke to my friend at the Chase Bank branch in Sedona, she was shocked, because they had told her they would fix it. I contacted another friend to see if she had any contacts in the business who could help, but it was the same story--no one would touch anyone who was 30 days delinquent in the last 12 months. I contacted other friends, and no one could help because of it.

My husband had written down names and numbers of people he had spoken to at Chase who had told him that the paperwork was in the mail. I attempted to call the numbers and asked for those people, but no one could tell me anything. I asked them to review the account comments to see who had spoken to him and told him that the paperwork was sent and not to make a payment. Asking to speak to a supervisor or manager is unheard of, as I was told many times that they would not say anything different.

I am now convinced they do not exist. I was constantly put on hold, and each time, I was transferred back to the collection department where they have a recording of how much you are past due and must pay. After a few days of trying, I scraped together two months' payments of around $4,400.00, so I would not go 60 days delinquent. I thought if I paid, someone would talk to me. Then everyday I called only to be disconnected or transferred from one department to another, telling my story and looking for someone to help with the modification.

In late August 2009, I called the local Chase and asked if she knew of anyone who could help. She went to her branch manager who returned my call and gave me more numbers to call and more people who just kept transferring me. My husband's condition worsened, and I gave up trying to talk to someone which is what I am now convinced they wanted me to do. I continued to make my payments just before the account was delinquent, and they would tell me, "I see you are on a payment plan." But when I asked what that was, I was told it's the same amount I am paying.

My husband passed away on October 4, 2009. Soon after, I started calling Chase again for help, and someone told me I had to apply for the Obama Mortgage plan (Fannie Mae). I was so confused and unclear of anything, as I was still in shock, depressed, scared, and had no idea of what they were talking about or how to go about doing it, even though I have been in the business for years. Another friend started helping me. She has kept names and dates of all the people we have spoken to and what they have said to us.

In November 2009, we filled out the Obama paperwork and submitted it to Chase. After weeks of hearing nothing, we started calling and getting nowhere (yet again). People at Chase said the only way to get anyone's attention was if the account was delinquent. I stopped making payments in November, so I could get someone to talk to us. In late November 2009, I finally got through to someone who listened. That person said she could see in the comments that my husband had spoken to someone about refinancing, but the paperwork had not been sent and they could not tell why.

They asked me a number of questions regarding my income and cash flow. They also asked me to put in writing how my situation had changed, so I explained the loss of income. Granted I make a good salary, but they base your situation on gross income. However, my net has been cut in half. So after answering all of her questions, she stated they (Chase) needed to do something to assist me. She said with the information we had provided showing a negative cash flow at the end of each month, I should qualify for the program, and my payment be lowered from $2,200.00 per month to $1,268.50 per month. She gave me an address to send the payments and said she would be sending a contract agreeing to all of this and told me that if I missed one payment or was late, I would forfeit the payment plan, and my home would go into foreclosure imminently.

On December 18, 2009, I received the Forbearance plan agreement. It indicated the contract would expire in April 2010, but by then, they would have everything ready to do the modification. But if I did not hear from anyone, I just have to continue making the agreed payments through the term of the mortgage and everything would be ok. We called a number of times throughout this process only to be told that my account was in review. They also told me that no one had been assigned to my case yet, but that I do not worry and just keep making the payments, and it would be ok. (I now do not believe my application was even submitted.)

On June 1, 2010, I spoke to someone in underwriting who said that Fannie Mae denied my application for the Obama modification and that a letter had been sent the end of May explaining why. I have never received a letter regarding this. But a few days later, I did receive two letters with my address but with other people's names--how embarrassing. Someone else must have received the one in my name! I tracked down the main number for Fannie Mae and spoke to a young lady who said she had no idea what I was talking about but would have someone call. She took my phone number and e-mail address and later did send an e-mail confirming our conversation, but I never received a call or another email.

I tried contacting her a few more times via phone and email, but nothing. I then called Chase four (4) times only to be transferred around and around. Finally, I spoke to someone who told us I would have to re-apply, that Chase now has an internal assistance program that can help me and guaranteed me that Chase did not want my home, and I would qualify. My friend told me that my debt-to-income ratio was 29 point something percent, and in order to qualify for the Obama plan, you have to be 30% or higher and that it didn't matter if it was close. Hearing nothing, on June 23, 2010, we called and spoke to the underwriter who said they were missing one document. We faxed it right away.

On June 28, I received a letter stating they were missing three different documents; we sent those the same day. In July 2010, I received the same letter that I got a few weeks ago with the other people's names to my address in error and it offered me $1,500.00 cash to give up my home and avoid foreclosure, even though I have been making the agreed payments long before they are due. In addition, I was told they have all the necessary information, but it would take another 45 days before they will know if I am approved. I have the name and extension of the person handling my case and have left numerous messages. But I have never received a return call.

On September 9, 2010, I received a notice with another 800 number which stated that I needed to call and warned that they are accelerating my agreement and notice of intent to foreclose and giving 32 days from the date of the letter (8-31-2010) to pay over $10,000.00 to avoid foreclosure. I spent the whole day on the phone being transferred from department to department and was hung up on. When I ask to speak to senior management, I was told, after verifying my social security number, home address and phone number, no one could talk to me, because I did not give her the correct home number that was in their system. I explained I have had the same home phone number for 15 years. Then she hung up.

I finally spoke to a young woman who told me to disregard the notice, and that my loan was in underwriting and I should not make any further payments. She stated it was a matter of days before I would get the modification and guaranteed (again) they are not going to foreclose, I asked for this to be put in writing but was told no not to worry and that all was ok. I feel as though Chase has misled, misinformed, and misrepresented this to me until they were in a position to take my home. They have affected my credit by continuing to report my mortgage delinquent each month, when I was paying as agreed. At best, I was past due 30 days.

In June 2009 when they told my husband not to pay and November 2010 when they told me not to pay, my auto insurance increased because of it and in one year, my FICO score has dropped from being in the high 700s to now the low 500. And because of them, I am unable to refinance my home or car to lower my payments. Through all of this, I lost my husband, his income, and have to change my marital status only to have more in taxes deducted from my pay. My take-home income has now dropped to $4,200.00 per month, and the mortgage payments were $2,200.00. I am not trying to run; I am trying to keep my home from being taken away from me.

I am so upset and scared. This has been going on over a year now, and along with everything else, the stress of losing my home is unbearable. We have lived in the home we both loved for over 7 years. And in those 7 years; we were never past due or late on our payments until my husband was told by Chase not to make a payment. I feel they created a mess and have hindered me from being able to do anything about it.

In September 2010, I had requested the support of the office of Congresswoman Ann Kirkpatrick. I finally started getting feedback from Chase but playing the same game. They would ask for more information and then say they had it and then say they did not. So, I would fax it, and they say they did not get all of it. In December 2010, I received a FedEx from Chase with modification documents, not for the 30-year mortgage that I was trying for, but for 15 years.

However, they had given me an incredible interest rate of 2% for 5 years which is progressively increased over the remaining term of the mortgage but not to exceed 5%. They as well reduce my payments by $350.00 to $400.00 per month to $1,688.64. I was thrilled and called Chase to ask a few questions, one because my husband's name was still on the documents, and two, if they were going to repair my credit. The young woman I spoke to stated that the contract was not negotiable and that my husband had to sign.

When I tried to explain that my husband is deceased, she hung up. When I called back, I was able to speak to the representative who was assisting the underwriter who said in reading the comments that I had said that I did not want my home and that they just go ahead and foreclose. I told her that was untrue, and I just had a couple questions regarding the documents. She explained that they could not change the names on the mortgage documents, because it was just a modification and that understandably, my husband's signature was not necessary.

The other question I had was regarding my credit. I wanted to know if it would be repaired, and I was told yes. I immediately signed the documents and returned them by FedEx. I then received a letter dated December 30, 2010 with the original signed documents enclosed. The letter stated they were pleased to inform me that I had completed the requirements for a permanent modification, and my payments would begin on February 1, 2011. I had checked my credit in January 2011, and it still indicated that I was delinquent over 180 days.

I have since written 2 letters to the 3 major credit reporting agencies, stating that since I had paid my mortgage as agreed and that it was my understanding that with the completion of my modification, my credit would be corrected and not reported as being over 180 days delinquent. All three have responded with "It cannot be changed, and you need to contact the creditor for more information." It is virtually impossible to get anyone to talk to me at Chase. I had not given up yet. I have just been trying to figure out what my next attempt would be to get this fixed.

I received my mortgage statement, and on January 23, 2011, I sent my first payment that Chase stamped "Received January 27, 2011." It cleared my bank account on January 28, 2011, but it did not post to my account until February 10, 2011. Now the real horror begins again: I sent my March 1, 2011 payment that shows the clearing of my checking account on February 23, 2011. Then on March 4, 2011, Chase redeposited the payment back into my checking account. I spent 4 hours trying to talk to someone and find out what was going on and was transferred to five different representatives in different departments. Each told me something different, just before they transferred me to another. They said things like "You sent the payment to the wrong address," "Chase never received the payment, and if they had, they would never have returned it to me," "You stopped payment," or that it was impossible that it was showing clearing on my bank account because it was not posted to my mortgage account.

I finally decided to drive to the Chase branch in the Village of Oak Creek to sit down with Lori **. I explained what went on, She pulled up my online personal checking account, checked all the information, and verified everything was correct and was sent to the correct address. She then called the Chase Mortgage department and could not get any answers. She suggested that I give her a check for the payment to be processed at her branch, which I did. She returned with a receipt and said she would get back to me.

I then went to my bank and sat down with Pam ** who pulled up my account and could not understand either. She called another department and was told that Chase refused the payment and that they sent me an email explaining why. First, Chase does not have my email address, So I called Lori ** at the Chase branch that I had just spoken to and left a message with the branch manager who had stopped in while she and I were talking, He assured me that he would give her the message and she would call back. This was on Friday, March 4, 2011.

On Tuesday, March 8, a friend of mine who knows Lori stopped in, and Lori had apparently not gotten my message for the previous Friday, She called apologizing, and she checked in her system. The payment had still not posted to my mortgage account. Lori asked that I send her copies of the check that cleared my checking account and a copy of the receipt she had given me. On March 9, I emailed her the information at 10 am that she had requested.

I had many questions on how Chase was applying my payments, but no one would talk. So I felt it was just best to leave well enough alone, move on, and take what they gave me. If I could afford an attorney, I would get one. But that would lead to whom you do trust. For the first 2 years, I was inundated with offers through the mail (which I am sure were frauds) from agencies which want to assist me with my delinquent mortgage. I figured out that they were getting information from credit reporting agencies, and I sent letters again, instructing them to stop giving out my private information. Then the notices stopped.

I have spent the last 3 years trying to deal and fix this and keep myself together in the midst of all the chaos Chase and the Credit Bureaus have created for me. They provided little to no assistance by refusing to talk to their own customers. I now have to admit it's unbearable to continue this.

Therefore, between the Credit Bureaus providing private information to whomever they wish (even after being told not to) and Chase providing them and me with inaccurate guidance and information, they have intentionally stalled, misled, misrepresented, and lied. Continuing to create an intolerable situation for me in order to take our home, they have refused to talk or help, creating emotional stress, suffering, violating my privacy, among other things. They should be held accountable for what they have done to me, and I'm sure, to others too.

Mr. President, I implore you to help me with this never-ending saga of trying to save my home and my sanity. This bank needs to be held accountable for this mess and commit to helping me save my home. Any assistance you are able to provide will be sincerely appreciated.

I followed their program for reinstatement amount, sent certified check to bring the account current and pay a couple of thousand in attorney's fees. I am outraged that after all of the things I did to bring the account current, I'm already behind again. How in the hell is that possible? Chase will take my house from me, and I don't know how this can happen. I also received a notice from Chase that I would have to have insurance added to my monthly statement. If they figured the settlement amount, why am I behind and don't have insurance?

I currently am paying 6.375% and tried to refinance only on my current balance and locked in a rate at 4.875% (this would have lowered my monthly payment by roughly $182 per month). When I applied for the refinance, I told the representative, who immediately solicited an application fee, that I was ready to "gut" the interior of my property to do it over (new roof, new deck, kitchen, living room, and bath, etc.) and did not want to proceed with the loan or give them an application payment until they gave me confirmation of approval for the loan. They outright lied and told me that I was approved for the loan due to my great credit rating and perfect payment history and I submitted the necessary application fee of $400. I also informed them that I would begin the work on restoring my property (also letting them know that I had an insurance claim filed as well and wanted to begin my restorative work immediately). They said that is no problem and informed me that a 2nd representative was taking over the process.

The 2nd representative made comments that the underwriter did not seem very happy because they would not make much money on my loan since the new loan would lower the amount of interest that I would be paying this dishonest and corrupt company. They gave me the runaround for six weeks, not returning phone calls and calling me about financial information, that was not mine, multiple times and with the same response, "Sorry about that. We'll look into it. An odd fact is that they told me some calls were recorded and others were not. Why not record every call if they have nothing to hide?

Even when they sent their appraiser to assess the property, he never took into account the storm damage when delivering his assessment, which still came in, even with the storm damage, at more than double the outstanding balance of my loan, meaning that even with his incompetent 10 minute site visit, his appraisal still came in at more than double of what I owe on the property. The end result of their deliberate run around was that they denied my loan, leaving me still with the same loan that I previously had with them, and the only difference being that I am still paying a higher interest rate for the same balance. Ironically, they returned my application fee when I began to threaten them about getting a lawyer and recounted the steps of how they deliberately deceived me throughout the loan process which cost me six weeks of detrimental financial impact. This, to me, is predatory lending, nothing more than a dishonest company not wanting to allow me to lower an interest rate on the outstanding balance of my current loan that I have with Chase.

Also, it is important to note that after multiple excuses by the 2nd representative of my denial, he claimed that they were concerned about my debt to equity ratio, which I explained made no sense, considering the fact that when I first got the loan with them in 2007, my annual income was more than $10,000 less and my expenses had also dropped more than $600 per month since I had recently paid off my 2 car loans that had balances when I was approved by them for a higher loan balance 3 years prior.

Today, my insurance claims check which is endorsed to myself and Chase Bank. When I called and informed Chase that my loan check was coming and I wanted to get a head start on the process to have them endorse the check and return it to me so that I could pay for the repairs, they told me that since my loan balance was so low, they would determine how much money they would allow me to have.

I proceeded to give her my banking information to make the payment. I ask her if I was charged the $786.01, and she said yes. Two days later, I checked my online bank statement and it shows a transaction from Chase in the amount of $808.04. This was not the amount that I authorized to pay or was scheduled to pay. They debt my account for over the amount that was suppose to be paid without my authorization.

I called Chase and spoke to the rudest customer service representative (Laura). She put me on hold for hours, and pretend not to hear me on the phone. I finally asked to speak to a supervisor. I talked to Mr. **. He acknowledged the mistake and said that I would receive an reimbursement. Then on February 17, 2011, he leaves me an email that states he can't reimburse me until he receives my bank statement. He didn't leave a fax or a number where I can reach him.

I wanted to ask him why he needs a bank statement when I received an email from Chase stating that they had received the payment for $808.04. Please can someone help me. Chase is overcharging a lot of customers and I think they are practicing deception. I want my money bank without the hassle.

Following that, they sold my mortgage services to IBM LBPS. This was done in August of 2010. When I received my 1098 form for the 2010 taxes, there is about $2,000 of paid interest to them for 2010 missing. I called my present mortgage service, and they said that Chase applied my payment of July 2010 also to June, so there were no missing payments in the sense that there appears to be payments done in every month, but that they applied for the July payment to June. They don't know why they could have done that. So once again, I have to contact Chase and talk to unqualified individuals who are going to pass the phone around to more unqualified persons, give me the go-around, making up a story of why they did what they did. Finally I'm going to contact the Office of Comptroller of the Currency again, and I'm going to contact the IRS and tell them that Chase is not reporting all interest gained for 2010, and get an attorney and sue them for all the headaches and all the mental suffering we have gone through because of this.