Chase Mortgage Reviews

At the beginning of the year, I began receiving letters that my insurance was about to lapse. Again, I was confused! I called my insurance company and got proof. I called Chase and it kept directing me to an automated system. I hung up and figured I'd call back the next day. When I got home, there was a letter from Chase stating that they would be putting forced place insurance on my house which would make my payment well out of my means. I stayed on the line 45 minutes before I talked to someone and finally spoke to a live person.

The problem was, when the agent keyed in my information, they transposed two numbers which made my insurance expire in January instead of October. My escrow account is now well over the amount needed to pay everything for the year and it's not even March but they refuse to lower my payment to its original amount. What a rip off!

The bank sent the letter stating that I owns $29,059.39. Chase indicated that I did not pay his monthly payments in June, July, August, and September or October 2010. But on November 12, 2011 Chase refused to accept and process the monthly payment form me. During the times, 2010 and 2011, I tried to contact Chase’s employees or their lawyers. At many accessions the information was inaccurate and questions were unanswered. Letters sent by me were ignored, unanswered, or answers were simply inadequate or false. Even when I mentioned about the legal action against Chase, information provided by its lawyers was inaccurate and sent the Illinois States Attorney. Often I had to go himself to bank's lawyers and facilitate them to receive correct information from the Chase Bank employees.

I paid monthly installments each month before due date and his obligations for real estate taxes and insurance. In 2010 Chase did not sent even one monthly statement about the loan. The modification initiated by the bank gone to nowhere. I contacted Illinois State Attorney General. At the month of August 2011 plaintiff‘s information from this office that the matter of this loan is in active litigation. In October I attempted to pay indicated sum by Chase, which is $14026.69, but he refused to accept this payment at his office. After many inquiries to the defendant’s employees and his lawyers, I was instructed to pay $16877.50 and once again the payment was refused by the bank. I was inaccurately informed where to send this payment.

Somehow, someone put in a request for a refund on my payment, but it never was returned. I have been fighting with Chase Bank for almost 6 months now, trying to get them to make my account current. I have never missed a payment, and I have never been late on a payment either. I have my bank statements and canceled check to back that up. They keep opening work orders, and tell me that they are working on it. To this day, they still have not resolved my problem, and I have now filed a complaint with the Oregon State Attorney General's office, a complaint with the FDIC, and now here, and I am working my way up the ladder. I just want them to give back the money that is rightfully mine, and make my account current.

6 months later, they are still returning my payments. I'm not getting anything out of the consultant but it takes time at this point people were coming to my house taking pictures and things like that. The letters they were sending with my payments started saying I was in foreclosure. So now I'm scared, I am about to lose my house. This lead me to go file chapter 13 bankruptcy in March 2011. Now, let me remind you that most of my pay check goes to bankruptcy and now Chase is making my payments go up due to being behind more then I filed. When I filed bankruptcy, my payments were behind from October 2010 till March 2011 (6 months) I'm not any more behind and I have all the documents and proof of my payments needed. Chase is telling my bankruptcy that I am 15 payments behind and looks like they added more BS to it as well. As I said, I have my paper work to prove them wrong they have done nothing but wrong to me and I don't know what to do or who can help me.

At this time, JP Chase was acquiring WAMU and for 2012, to sum it up, it's eight or nine modifications. I submitted to Chase but they said that I do not qualify for a modification. They are truly criminals, they steal the American dream and spit on Americans.

Based on this information, I sold shares from a company stock plan account to pay down the principle and reserve funds for the escrow account they said I would need to open. My request for PMI removal was denied, and a flurry of communication ensued. The net result is that they are still demanding a Broker's Price Opinion to show that the home has not declined in value. I was specifically told this would not be needed at the outset. Meanwhile, the shares of stock I sold based on the bad information they gave me have appreciated over $5,000 and the sale led to a tax liability of $2,000 this year.

The agents with whom I have been in contact have ceased responding to emails and the last phone call had me on hold for nearly 2 hours. The branch employees have refused to provide written statements summarizing the conversations with the customer service agents. Chase is trying to sweep this under the carpet, and I won't let that happen.

Four weeks later, I received a call from the loan officer that we couldn't get the loan until we put siding on the house. I had explained to the loan officer that the whole idea of the loan was to refinance at a lower rate, take cash-out to pay bills and the rest of the money was to finish the repairs on the house which was the siding. She said she understood but that there was nothing she could do because her boss wanted the siding on the house before closing. Closing was in 2 weeks. Mind you, I have bills, a mortgage, 2 kids in Catholic school, and I work full time, plus I don't have any money to put siding on the house because that's the reason for the loan. So now I have to withdraw the paper work.

I took out a pension loan to do the siding. I resubmitted all the paper work again, now it's the end of November. The loan officer stated everything was good and we just have to send the appraiser back to the house to take a picture with the siding on and that would be that. Two weeks later I got a different guy to appraise the house, someone who lives in Brooklyn. He came here to Staten Island, acted very immature, giggled all through the house and finally left. It was a very weird experience. Three weeks later, I got the appraisal in the mail, the house is now valued at $387k, almost $40k less than the original appraiser's which was two in a half months apart. How can you make improvements on a house and the value goes down? It doesn't make any sense

Evidently the second appraiser came to Staten Island, went to the real lower part of the island, valued all the wrong houses; houses that are nowhere near me and came up with that figure. Now I got a phone call from the loan officer at the end of January saying that they have an internal appraiser problem. She said that Chase made a mistake and instead of sending the same appraiser to take a picture of the completed work, they requested a whole new appraisal. Mind you, I just spent $400.00 on the first one, now they take the liberty to send another one for an additional $400.00 that I don't have. This is an outrage, I told them I was in debit not that I have money to burn.

It is now February and the loan officer said there is nothing she could do, that Chase was going with the lower appraisal. Therefore the rate of the loan goes up and the money which I needed to cash out to pay my bills would be $12k instead of the $56k that I needed. I am so irate. What would you do in my place?

However, on the day of closing, as I was signing the paperwork, I noticed that there were additional closing fees of about $1,400 that I was not made aware of prior to Closing. The bank's attorney, who was also in that room, was not aware of the fee. I had asked what the fee was about, but the bank attorney couldn't tell me. At this point, I couldn't sign the papers. Otherwise, I would have lost out on my 10% down payment on the apartment unit.

The following Monday after the “closing,” I called the loan officer from whom I had gotten the mortgage to ask what the fee was about. He explained to me that the fee was due to the fact that Chase had to extend my lock-in rate for the third time so to meet the closing date. He told me that the lock-in rate had expired on Oct. 12 (we closed on Oct. 14 -- a date that everyone including Chase was aware of for weeks! ) and thus, they had to extend the rate by 2 additional day since I wasn't ready to close. I found this to be surprising since I told him that this couldn't be right because, on Oct. 12 at 2 pm, the loan was still in Chase underwriting and the reason for the initial delay of the closing was due to the fact that Chase had actually sent my loan file to the wrong bank attorney on Oct. 5th! I explained to the loan officer that 1) the loan-rate extension was not my fault and was the bank's fault, 2) I never authorized or agreed to such an extension--I even asked the loan officer to produce a proof that I actually signed a document substantiating this claim that I agreed to the third extension, but he couldn't and 3) the delay in closing that gave rise to the extension was due to the bank's fault (not mine) because my file was sent to the wrong bank attorney and due to chase's own incompetence.

I tried to resolve this amicably several times and even went through Chase's Executive Resolution Center, but to be expected, they sided with the loan officer. They refused to speak to my attorney and the loan officer and his immediate supervisor refused to return my calls. While it is not a big sum of money, it is the principle that Chase was effectively holding my loan "hostage" unless I agreed to the additional closing costs that were never ever agreed upon or disclosed to me prior to signing. This seems to be an illegal and fraudulent practice. From the complaints on this website, it seems to be quite pervasive too. There may be potential class action lawsuits of Chase slipping in hidden fees at the last minute to home owners.

I have never had any luck getting anyone to call me back when I try to find out what is going on and the contact person that I was told to deal never seems to be the right person when I am finally able to talk to a person, usually after being disconnected 2 or 3 times and having to call back. Requests to have someone call me back go unanswered and many times I am told that all I can do is wait for someone to call me, which almost never happened until I filed a complaint with the BBB. Within weeks I had a call from a representative at the executive branch of Chase Bank and was told that my account was now being handled exclusively by that branch and would be until the modification was obtained. I thought there was a light at the end of the tunnel. I was sadly mistaken as that was nearly 18 months ago and I am still being passed from one account representative to another, still being put on hold and disconnected, still waiting for answers to my phone calls and questions.

Today I received a notice of intent to foreclose letter. I called my executive branch representative and yet again left a message requesting a return call to let me know what is going on and if we are indeed being foreclosed against. I will not be holding my breath waiting for the call. I have begun searching for an attorney to find out what my options are at this point and how I can make Chase be held accountable for the highly questionable practices that have been employed by them to delay the process and the outright lies that have been made in an attempt to make me do what they want and stop asking questions. So I find myself once again waiting for a call that I believe will never come, but I am waiting, and adding yet another page to the files in which I keep all communications and telephone conversation transcripts.

I have given them the information that they should be able to access on their own so I do not have to keep getting calls but they will not stop. If there is a grace period until the 16th, then don't harass me with bill collector calls. I am tired of it and have blocked their number due to this business practice since it does not matter one way or the other if I talk to them. They have stated very clearly they will not stop calling until they have their payment. It is completely ridiculous and I have been dealing with it off and on for almost 8 years.

In November, I was told that I received a 3-month trial modification $600.00 less a month (instead of 1646.00 mo). Chase collections immediately called and told me that they would charge late fees and 30.00 day interest. My house was one thing that I didn't want to lose after what I'd gone through. So, I started taking out 401k money to make the monthly mortgage payments, still trying to get Chase to approve a modification for me. I have had stories after stories and more than six inches worth of faxes and paper work I have faxed to Chase.

Today, I am still waiting for Chase to help as now I'm being told that the State of Texas (State Representatives) have delayed loans again. It's been 17 months and I've already spent the 401K money I had on this loan and I'm drained from all this. At this point, I fell two months behind, so now my credit is not good with Chase reporting me and I am unable to obtain a loan through someone else. I believe I have been turned over to twelve different people at Chase to deal with and they have had excuse after excuse.

On January 26, 2012, I was contacted by someone saying I was denied, due to not enough income. I knew that my earning was changing two years ago, that's why I reached out for help then. I was told on Thursday, January 26, 2012 that I didn't qualify two years ago, when my wife was put on disability, due to complications with her pregnancy. Okay, so if Chase Mortgage knew that, then why were all the documents needed? I have a family of seven, which includes 5 sons, my wife, and I. Chase Mortgage has disappointed me, and now my family and I will need somewhere to stay. I lost my job in 09/2011, and my wife was laid off, after the long period of time she was off, due to a complication during her pregnancy. We both now receive unemployment. Once my wife, who helps out with the mortgage, had a change in income in 01/2010, I reached out for help to Chase Mortgage. I'm in need of help, where do I go from here? I was informed that my home will be in foreclosure in about 45 days.

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.