Chase Mortgage Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Good Morning Edmund:

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

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

What kind of bank is Chase turning into???

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Then the man came back and said they had to have $1300 today or we have to proceed with foreclosure. They offered absolutely no assistance whatsoever. All of the mail we had received indicated that there was a program that could help us if we would just call and make an effort. The only reason we did not make an effort sooner was because 2 years ago, we were in the same situation because our business had gone under and again we only needed a couple of weeks to get caught back up. The exact same scenario that I just described happened 2 years ago as well. I was told the same thing then, too.

Basically they offer you help but never come through with it. I realize we have defaulted twice now on our loan, but we ARE trying our best (working extra jobs, cutting out ALL extra expenses) and if they really wanted to help us keep our home they would bend a little bit. Bottom line is they don't care. Don't do business with them if you don't have to.

I called Collections and spoke with many representatives, specifically with supervisor Naroika **. She confirmed what the representative indicated--that I would have to make November and December payments; otherwise, they would reject any amount less than two payments. I advised everyone that I spoke with at Chase that I can only make one payment because other resources were not available at the time. A few weeks prior, I spoke with another Chase representative named Carissa informed me that I could and she even gave me other options to avoid foreclosure.

Let me backup. Chase kept on me almost every other month about homeowners insurance. I had to show homeowners insurance proof constantly to them. I showed them proof over and over, and it seemed to me I was harassed constantly. They would send papers asking for proof of insurance, and I would constantly have to show proof back. So at the time, I did have AIG homeowners insurance.

Just recently, I have found out that the homeowner Insurance Chase is using for force placement insurance here in Kentucky is being sued for unfair business practices. The name of this business is American Security Insurance. Of course, I knew this was coming. My regular homeowners insurance from another company was anywhere under $500 a year, for a 90,000 home. But American Security Insurance under Chase was charging me around $1600, and they would not even cover any personal property, just the property itself.

Actually, the attorney Chase uses also underwrites for American Security Insurance, talk about a conflict of interest. I excused myself from the settlement with that suit, because I hope to sue them individually. Moving on, as far as the taxes go, Chase may have paid some taxes now, because of this dispute; but at the time, I know I paid my taxes. Just like the Mortgage company I had prior to Chase, EMC Mortgage, Chase somehow paid double taxes or a bogus tax. I have 3 taxes a year, all 3 amount to less than $1000. Their escrow was really off.

Chase has tried taking me to court at least twice to take my home, but the court wouldn't allow it, because Chase can't even show proof how they obtained interest in the note and mortgage on my home, not to mention also escrow errors. The thing is, although I'm still in my house, I can't make any improvements or anything till this is settled. Right now, were at a stalemate. Why? I don't know, because after all this, I think I should be able to have my house.

I had talked to Chase several times prior to this mess, before completely cutting off communication to them due to personnel who were very unprofessional. Now, I can only speak to them through an attorney. Right now, they have finally agreed to a modification, if I can start paying double and more of what I used to pay. They added like $30,000 more for all the years we were in dispute, and they seemed to be blaming me and adding charges to me, for the court denied summary judgment to foreclose to them.

There is no way I can pay double what I did pay. I'm a single mother. I got so fed up at one time that I wrote a letter and tried giving the house back. But they wouldn't take it back. They just seem to want to go through foreclosure! Could anybody help out there! Clark Howard, Oprah, somebody from CNN. Please, please, I need a way out of this mess!

We are actively fighting them for unfair business practices and will be contacting everyone from Obama to the local BBB to ensure that as many people as we can influence will know that Chase is less than reputable and needs to be put in check. They received millions in tax payer bailout money and then screw the same taxpayers attempting to invest and grow in a depression.

We hired and paid $2,500 to a company (The Realty Factor) to represent us for a modification and legal foreclosure prevention. We were served foreclosure papers in April 2009. After so many frantic phone calls to both our lender and the company we hired, we finally got approved for a modification. Our monthly payments during the modification trial only reflected a payment deduction of $200 from our normal mortgage payment. We paid those trail payments as required and submitted all paperwork they requested from us, which started the beginning of June 2009. August was our 90th day month, but Chase stated, (through emailed statements), the modification was almost complete and they needed to extend the trail for the month of September, we complied and sent the payment without any default.

Just a few days after the extended payment was cleared and the modification was complete and being processed, Chase then contradicted themselves by claiming they never received all the required documents to complete the modification. They lied! Being concerned of losing our home and we felt misrepresented and our modification contract was breached by both our lender and The Realty Factor, we hired a real lawyer through KEL Attorneys. Our modification efforts failed and was never closed, but was breached by our lender! Our attorney found default in the foreclosure complaint and filed motions against it. That case is still in limbo through the backed up courts. In the meantime, our lender has abused the account, which the unmodified modification was assigned to and have used it against us by interfering with our homeowners insurance payments and paying off our contracted property tax payment plans for which was never defaulted or behind on, and our lender is paying from a fraudulent escrow account. We have been paying our own homeowners insurance and property taxes since 1999 without disruption, delinquency, or defaults and continued to do so even after foreclosure procedures were filed and during the modification trail period! Now, Chase is building a new debt against us simply by interfering with our homeowners coverage and property taxes! We are so sick of these demeaning and fraudulent actions that it is no wonder people are committing suicide!

Our credibility, our credit record, our payment plan contract agreements with homeowners insurance company and quarterly payment plan and agreement with our property taxes, our mental and marital stressed lives have been totally disrupted, twisted, and compromised! Our long-time built up credit and credibility has been altered and dissolved like trash in a dump yard! I worry about if we will finally reach that mentally suicidal breaking point. I fear we are closer then what I'm willing to admit too!

Banks need to be held accountable, but all justice is showing us is banks are beyond the laws and consumer protection acts!

I have made numerous phone calls to find out the status of the modification, but no one ever calls me back. I took off work yesterday to go into the office physically to speak to someone personally. No one has paid attention to my file and soon I will get an NOS, notice of sale. I have done everything right to try to save my home and my dignity, they just don't care. I have a lease car that is due up in March and I can't get another one because of this default on my credit. I am 34 to 1, meaning I have 34 accounts in "A" standing and one (the house) in the dumps. I am a single woman just trying do the right thing.

They have said that all faxes were sent to them and have been received. The next month I was asked to resend the same information. The loan was said to be approved on April 28th. We received documents for step two of the modification process. I signed it POA for my husband. I hadn't heard anything further, so I phoned them again in mid-June. The representative said that everything was fine, no paperwork was needed, and go ahead with the modified payments. I told him I would be out of town, and would send the payments.

When we returned, end of August, everything was still fine. At the beginning of September we received another "making homes affordable" door hanger notice, and I immediately called Chase. They told me at that point that the loan had been denied (two months after the modification was to start!). I called Rita ** at pueblo works (hud) representative and she called Chase with both my husband and me present. She was told that the loan had been denied, but was being reworked, and nothing further needed to be done. I expressly asked her if I'd done anything wrong in the process. She told me no, that Fannie Mae didn't like the low interest rates quoted, and that most likely caused the denial of the loan.

Around that time, Sam ** took over the loan process. He told me we would have to resubmit new paperwork again. We did that. My husband was on vacation and due to that we showed a lower month’s income. We missed seeing the question about Gary’s birthday, due to everything else being prefilled out. Chase "supposedly" called us, and we didn't respond. Neither Gary nor I got a call. They sent out a new packet to fill out, but not knowing why they resent the packet, we copied what we'd previously done, and sent it in.

We found out afterwards that they were missing the birthday, and tax information form. We refaxed it directly to them the same day. This was in November 2010. Since Nov. 1, we haven't received any calls from Sam **. We have tried repeatedly calling him the entire month. We got no response! Usually with phone calls he would answer. We were told that his number changed, and no call back. To date we have made every payment on time or early to Chase, first the trial payment, then the modified payment that began in July. We have made every effort to work with Chase. We have called, yet we only get automated phone calls from them, or "no calls" that they claim to have made.

Yesterday, without notice from anyone, we received notice from Denver Lawyers that Chase is beginning foreclosure! We have always stated that we want to keep the house. We have made payments in accordance to their requests, and maintained them. Now, we are in the rears of about $17000. This isn't fair! Please help us! Get these crooks off the streets! How many families are they playing games with?! We are honest, and have truly done everything to make it right. The banks get bailed out but we get forgotten.

I feel like all I have done is run in a circle and nothing is being resolved. I have a good job and work full time. My children who reside with me (they’re 30) have also provided financial information. Please, I don't want to loose the house that has been home for 49 years. This house was paid off and when my father passed away. I inherited his home, sold mine and in the mean time and I refinanced to pay a contractor to make modifications to enlarge the home and was going to pay mortgage with money from home sale. However, since 2006, I have been trying to complete the work and have an attorney to recoup some of the $119,000 I spent to do this work. I have no savings, no retirement, no credit and the only life insurance I have will cover me as long as I die on the job. I have no where to go and don't know what to do to begin to repair this matter.

Chase had been escrowing my Collin County tax - approx $5000. I saw that Chase deducted the $4800 from my account on 11/22. I learned on 12/17 that the County never received a payment. Somehow, Chase had the money in its possession and did not pay the County. In talking with the County on 12/17, I learned that the large lump sum of tax dollars were not due from Chase until 12/30 which would mean they would have my money in their possession from 11/22 through 12/30.

Then I called Chase Bank on 12/17 and they said it was 'in process' and they could send a letter of disbursement that my title company might use. 12/20, I learned that the title company would not accept the letter of disbursement and needed to show the taxes paid. I called Chase Bank back 12/20 and told them I was refinancing and I needed them to pay the taxes by tomorrow Tuesday. Chase Bank told me I should come up with the $4800 some other way or reschedule my refinancing because they could not really move any faster.

I am furious that the bank appears to be using my money and I believe a lot of other consumers' money to earn interest before they honor the tax obligation -- basically they are using my money to earn money and delaying a County tax payment in a way that causes me to come up with another $4800 or delay my financing. I believe that the bank is supposed to be entrusted to handle the escrow funds appropriately and should not be able to earn massive amounts of dollars off of consumers. I believe they are likely earning millions of dollars off of consumers doing this -- doesn't seem right.

I went online and filled out the paperwork, got all the information and documents they required and then I went and faxed them in order to get them there quicker. After I did that, I also sent them in an overnight shipping. A few days later, I called and they said that they had not received our paperwork. The overnight package had been signed for by an employee, yet it is still nowhere to be found.

This was the middle of April. I have been calling and faxing documents ever since. I was told to fax the paperwork from a Chase branch, so that it was guaranteed to get there. I don't understand that. Where do faxes go? We have been told that we have to keep our payments current in order to get a modification, and then we're told that if we aren't late then it looks like we don't need help. We have been given different phone numbers and fax numbers to send our documents to. The people that we talk to are rude, and insensitive and tell us we can either send in what they need or get foreclosed on. We have complied and we call in often and are constantly told that they need more information. I had talked to a HUD counselor, and we called Chase Bank together, but the lady from Chase told us that she did not have all of our documents. These documents have been faxed several times in the last 6 weeks prior. I faxed the documents again that day, and two days later we got together to call since they had everything that they needed, but the employee refused to talk to us without written consent for the counselor to be on the line with me.

The mail that they send out takes an enormous amount of time. I asked them why a letter was written to me, but not sent out for another 5 days. They don't know, that is the mailing department. When they don't receive my faxes, they say they don't know,that it is done in a different department as well. On August 16, 2010, we got a phone call from Debbie ******, who was our relationship expert and she said that since she hasn't received our bank statements, she is going to have to deny our modification. I had faxed those statements on June 3, and called on June 6, and the Chase employee told me that they had all of our information. I faxed them again on June 4, June 15, June 16, July 2. On July 6, I called and Tanisha ***, a Chase employee told me that all information is there and it has been sent for review.

I called again the next day and was told that they needed more information. I again faxed what they needed on July 6, July 15, July 21, July 27. I called and was told again that they had all of my information, and I would be contacted soon. When Debbie ****** called me, I explained all of the dates and how I had been treated and she still said that the documents were not complete. She said I didn't send in my complete bank statement. I explained that this was my statement and she said that there is a number in parenthesis and the number of pages did not match. I then explained to her that the number in parenthesis is the number of checks that had been written that month. She looked it over and then said "yeah, you're right".

She then said she would look it over again and get back with us. On August 18, 2010, we got a letter that says "your housing expense must be greater than 31% of your gross monthly income to be eligible for a home modification loan. I called them back and they said that we applied for the wrong loan, since my husband was unemployed, we should have done a different one. They sent us to another department and we applied over the phone and the employee said she would mail the papers. It should be 7 to 10 business days.

After 2 weeks, I called back and was told "oops, they haven't been mailed out". This new employee said she would mail them out this same day. I waited for 2 weeks and did not receive any papers again. I called back and I was very upset that a month had gone by and I had not received the paperwork to fill out. The male employee this time was very rude and told me they had been sent out 2 days prior. He sent them overnight mail. I reapplied, but then my husband had gotten a job. So now we have income. On September 16, I faxed the modification application in.

On Sept 22, I got a letter stating that they need more information. I called Chase again to find out that nothing that I had faxed in on Sept 16 had gotten there. So, on October 4, 2010, I sent in another whole completed package. On November 18, I sent in another completed package, after I was told they didn't get the last package. On November 24, I was told that they had all the information and it had been sent up for review. On December 3, I was required to fax more information.

On December 6, I was told that they needed me to fax in my bank statement again. The man that we talked to said that it looked like I had printed my statement off the internet and that it may get thrown out because of that. I told him that my statement is front and back and the only way to send the back is to copy it and I wrote "this is a copy of the back of page 1" and so forth. He said okay, everything looks good; it will be sent for review.

On December 13, I called and everything had been received and we had a new "relationship expert" named Nancy ***. The employee said she will leave her a message to call us in the next few days. We haven't heard from her. We were given her phone number but we are unable to use it because her extension is 6 numbers and you need 7. Nobody at Chase can help us, they don't have any way of finding her 7 digit number.

On December 14, I called and talked to Terri. She said it had been sent for review but was now on hold because of my husband's VA disability. We had to prove that he gets it, besides seeing it every month directly deposited in our account, and the letter I gave them from the VA Disablility Dept was from back in 2008.

They are not sure if he still gets it. My husband's disabilities will not be going away, and unless they change something drastically, he will be getting paid for the rest of his life. Terri said she will have our "relationship expert" contact us. We have not received a call yet. So, we are almost 4 months behind and this is the treatment we are getting.

We have not heard from our relationship expert ever. We are now told that every paycheck and every bank statement needs to be faxed to them asap. The fact of the matter is, my husband is going to be making $42,000 a year, instead of $160,000 a year. We cannot pay a $1150.00 a month house not on 2888.00 a month. We need some help! Today, I called in to try and find out the status of our modification loan and the first lady that I talked to, Yvonne, told me that we needed documentation for Charlie's disability.

I asked her what the status of our loan was and she said that it had been declined because we refused to send in the needed information. I asked what that is that they didn't receive and she said it was the 1st page of the modification loan (this page only tells us how to fill out the papers) and there was a blank page from my bank statement. I explained to her that my statements are front and back and in order to fax them or send a copy I have to copy the back also. I always write on the copied one "this is a copy of the back of page__" whichever one it is.

I put my loan number and names and address on every piece of paper I send them. I also told Ginger that I have never gotten to talk to Nancy ***r. She said, "oh, so sorry". I asked her if I could talk to her now and she said, "No, she is not your counselor anymore". I told her that I had been trying for the last 10 days to talk to her and that she won't call me back. She told me all I could do was reapply. When I asked her again about what documentation I need for Charlie's disability, she doesn't know either.

I have been documenting, calling, faxing, sending, and I am getting nowhere fast. I am about to be 4 months behind. My husband broke his leg at work and had to have surgery to fix it and put in a screw and in January will have to have another surgery to take it out. It is his left leg and he is unable to drive. I have been home sick for the last 4 weeks with pneumonia, bronchitis and asthma. I will go back to work tomorrow, but I only work a few hours a week. I don't think they should treat us this way. We are coming to Chase to help instead of trying to avoid the problem.

We have never escrowed our taxes and insurance. Both of these I would put on credit cards and pay or pay the lump sum when due. Thus leaving my monthly mortgage payment as low as it could be. It was easier to pay lump sums because I was self employed when I purchased the house. Because of the economy and my husband's medical school schedule, we sold our business and would still use credit cards to pay the annual payments on the taxes and insurance (never delinquent).

After the modification decline, Chase put everything into escrow. I did find out through our insurance that they escrowed and I was able to change it. I called Chase and they said they automatically will escrow when you apply for a modification. No paperwork of any kind disclosed this. It is December and taxes are due. Half will go on credit card, other half will be paid (our city allows to pay second half by March) by income tax money back.

Chase has not contacted me and has continued with the escrow. I went to them needing help lowering my monthly mortgage payment I now owe more, $251 more a month. They will not stop the escrow. My credit card payments were less. No paper work ever explained they would automatically put it into escrow and from what a supervisor explained to me over the phone, if I had been approved I would have received the paperwork telling me about this escrow change.

In July of 2009, we sent all of the required paperwork to the Program Making Home Affordable Chase Bank in order to take advantage of the program. Nothing was said to us as far as the timeline of when we would hear back with some sort of results. Since then, we have been on the phone with Chase Bank representatives (they call them specialists) with zero results. We get a different story each time. Last November (2009), finally someone told us that they have not received any of our documentation and there was no record in the bank. Right then and there she has arranged for a quick interview and said we qualified for the program. She has said that we were ready to enter a trial period of three months (we make 8 payments on time of trial November through June #1). But we had to resubmit all of the paperwork that has already been previously submitted by us.

On December of 2009, we received a letter that said our trial payment has not been received. We did pay by phone on December 10th. We kept receiving this type of letter. If you see, we did pay on time all the trial period (copies attached #2). We have kept calling every week or two to check on the status of the process with no resolution. In the meantime, they kept asking us for copies of our 2009 tax returns, even though they had a signed authorization to check with IRS. We have faxed those taxes at least 10 times to the bank. Each time we called to check with the bank and got confirmations of receipt from the people on the phone (copies attached #3). The time has passed by. We kept calling every week.

On May 26, 2010, we received a letter that we didn't get in the program Home Affordable Modification because we didn't provide them with the documents that they requested in the time frame (copies attached #4). Mr. Senator, you have no idea what the level of my family's frustration is. We called again and spoke with another specialist – Mike. He said that he doesn't understand why the denial letter was received by us because he saw in his system we are in the program. That was very exciting. Mike made my day.

Several days later, at the end of June, we finally got the contract. They were going to reduce our payment from $1064 to $818.82. The contract explained that for seven years, the payments were going to be fixed at $818.82 and subsequently would go up but not to the original level of payment (no copies of the contract, we sent all the package sign and we never received our copies back). We were telling our friends that the program works, and that it was worth keeping up communication with the bank no matter how frustrating the process was. Each time I called, it took me up to an hour to get through to someone.

On July 15th, the bank cashed the check of $818.82 that we sent with the contract, they call a quick payment (copies attached #5). They advised us that our first payment was to be August 5th. We signed the direct deposit for the new contract ($ 818.82). It was established in the contract. We kept calling the entire time to check on the contract status as we never received a copy of the new contract from the bank. Each time we called, we were told, we were approved: “Please do not worry about this. You are in the program now. Your first payment is going to be September 5th.”

The problem arose when our funds were not taken out of our account for the mortgage payment ($ 818.82). On October 1st, no money was taken out either. We called and checked - once again we’re told: “No worries.” On September 7th, there was an envelope received by us. It turned out, Mr. Senator, there was a same contract with different numbers (copies attached #6). Now our payments were going to go up from $1068.66 (original payment) to $1071. We called once again; they told us that there was a mistake in their system. We called Chase and asked whether we had a choice. They said no. What a joke! (our economic situation was and still the same). We didn't sign the second contract. Chase kept sending us bills for $1067.99 (the trial amount). Each time, we paid on time, November and December (copies attached #7).

On December 9th of 2010, the day of our 32nd wedding anniversary, we got 8 certified letters and other 8 letters in the regular mail (copies attached #8). They said that we were in default because we failed to pay the required monthly payment since 03/01/2010. And if we don’t pay within 32 days of this notice, Chase will accelerate the maturity of the loan.

We are attaching copies of all the payments in 2010 (copies attached # 9). Only 3 payments are missing: August, September, and October. These are the payments that Chase was supposed to take from our account. But they took July's payment (direct deposit $818.82) as per their initial instructions. Mr. Senator, this is our last hope to have justice. We are not the only people in this boat. But we feel that it is our duty to inform you what American families are going through on a daily basis.

As you know the banks are hiring people with no experience and they give no training at all. And we the people are paying all the consequences. We are so tired of all this game that Chase has been playing with us for almost 2 years. Please help us! All this process has been a torture. The stress is killing us. We don't know if tomorrow we’re going to have our house. We don't want to give up! All this time we did everything Chase told us to do. We send all the papers every time they ask for it. We didn't miss any payments in this long period of the trial. We don't know what else to do? Since this is a really long story, we can send you a power of attorney for our Chase account so you can see the entire detail.

We know that they have all the records, as each time we called we asked to confirm the notes from the previous conversation. And you will also find all of the documents and the two contracts that they sent us. The American dream Mr. Senator became an American nightmare. PD. On December 11th, we got another 4 certified letters and others 4 letters in the regular mail (copies attached #10).

I informed Chase that I paid my own property taxes and that I wanted them to correct this error. Chase requested my proof, I sent it by fax from a Chase bank branch. They said they did not receive it. I emailed them 11 times. Each time I was told to contact Chase via telephone. I did that no fewer than 12-15 times. Chase sent me a letter on 12/13 supposedly as proof they paid my taxes. I went to the Tax Commissioner's office in my county. I was given a printout that they refunded Chase's payment on 10/12/10 via Courier. However, Chase continues to claim they have not received a refund. I am feeling harassed and drained trying to resolve this issue. At this point, I don't know what else to do short of giving Chase my property back. No customer should have to be beaten mentally and physically over any matter that should not even exist, especially after proof has been provided.

I want to file a complaint against Chase for their practices and procedure. In addition, I want Chase to be investigated for not being in compliance with the guide lines of the Making Home Affordable program they signed in order to assist homeowners in this economic crisis we are facing. I have been patiently waiting for over a year to get a modification they had assured I would be getting, and now they continue to give me the runaround with no hope. My family and I want to keep our property and not suffer the devastation of foreclosure and be left homeless especially with my wife's declining health. Thank you for your time and attention to this matter.

At this time, my girlfriend was working there as well and we made the announcement on a Friday that we were going to have a baby. The owner was made aware of this over the weekend, and come Monday my girlfriend was being laid off. I confronted him as to why he laid her off, when another employee, which he was advised by my supervisor as well, was less needed and made more money an hour than my girlfriend. Next thing I know, I got fired for "insubordination". I was denied to receive unemployment benefits and went through all the appeals process each time the man is changing his reason for firing me.

Well, I went 3 months without a job and before I knew it, I was severely struggling to pay my bills. I was 2 months behind on my mortgage and had outstanding late fees. I couldn't say for certain how much the total was, but it wasn't more than $2000.00. When the home modification program was issued and initiated, I immediately applied. I received the packet and got all the required paperwork together and faxed it in. I then made my reduced payments for the three months as I was supposed to and kept waiting for my finalization documents. Towards the end of the month when my next payment was due, I still had not heard anything so I called and was told to continue making the payments. It was probably 8 or 9 months later when I received a notice that I had been declined.

About the time this happened I was made aware of a chance to go to the World Congress Center in Atlanta and there would be people there that could assist me in reapplying. I took the day off of work, drove up there, paid $20.00 to park, only to find out that my mortgage company was holding their own assistance gathering at the Hyatt Regency in downtown. I said, "Heck, yeah, I can deal directly with my mortgage company, this should make going through this process a lot easier.”

Well, I met with a "Personal Advisor" who helped me fill out all the paper work and made sure all my documents were correct and good to go. We sent the packet in from there and I left with a big sigh of relief. I continued on with my life, making my payments as I was supposed to when I received a call from my "Personal Advisor" that I had been denied again, and that they were going to be at the Hyatt Regency again on a certain date, and for me to come back up there with my updated documents and we would refile.

I showed up, went through, and filled out all the paper work again, and was told that the reason I had been denied was because I didn't make enough money, even though I had been making these payments for over a year at the time. Well, here I am again, still receiving letters that I need to send in updated paperwork, and no word on where my modification stands. I recently sent an email to my "Personal Advisor" asking where my modification stood at the present time. After a week of no response, I called his personal line and left a voicemail stating that I had not heard anything in response to my email and thought maybe he didn't receive it. I then left my email address, cell phone number, and I think my home phone number and asked if he would let me know something. It's been two weeks now, and I have yet to get a response.

I am now a little over $11,000 behind. I honestly believe that they purposely drag this process out just so they can eliminate the ones that get frustrated with the process and it saves them from having to take the loss that they supposedly incur from this. I don't know how they could incur a major loss with me when I've been paying 9.6% interest since the year 2000. Well, I can't afford to give up; I have two children that I have to provide for and I will work myself to death before I let them want for a roof over their head and food on the table.

By then it was 2 weeks before the sheriff’s sale, and Chase bought it back. I have filed a complaint with the O.C.C. and with the Minnesota Attorney General, but not much has been done as of yet. I was injured in ‘08 and can't find steady work that is within the restrictions I have.

Knowing this, Chase has, I believe, purposely dodged the responsibilities of making anything affordable to those who have been injured through "Making Home Affordable Act". Once my house was sold in May of '10, I was not able to find anyone who would finance me for a mortgage because of the bad credit mark on my report. Since then, Chase has denied any wrong doing, saying it was my fault and that they didn't receive any modification application that it was supposed to be faxed and not sent by mail, so I’m told now there was a mailing address and fax number on the application. I called them after the O.C.C. notified them of an investigation. They basically said that I need to prove it, and until then, they did nothing wrong.

My credit has been severally damaged. I and my family have to find somewhere to live, which in most cases they go by your credit score anyway. Leaving us in low income/poverty accommodations, which for a family of 5 is very hard to find. This is very physiologically stressful not only to moms and dads but especially to children.

My calls were never returned. I did finally manage to speak with a service representative who advised me that Chase was waiting for approval from the VA, but could not give me the name or phone number to contact. It took several phone calls to the VA, but I did find someone who could help me. Chase, however, was wrong. The VA had nothing to approve in this request. The VA rep however, was able to contact the Chase agent and get the process moving again. In August of 2009, I received all the necessary paperwork from Chase's attorney. That paperwork was completed, returned to the attorney, recorded, and returned to Chase by November 2009.

Again, I called Chase several times to find out what the problem was. In September 2010, I was asked to fax the documents that had been notarized to Chase. I faxed these documents, and in early October 2010, once again called Chase. I was told that Chase was finally acknowledging the Deed In Lieu of Foreclosure and that everything would be finalized within a week. I just found out this week that my account is still with the Foreclosure department, and that the Deed in Lieu has still not been processed. What do I need to do, or who can I contact for assistance with this situation?

We were told our payments would drop when the premiums were dropped and the money we had paid out monthly would be refunded to us, which never was and they kept making us make the full payment with he premiums added for months before they finally took it off. After waiting months and making 3 trial modification payments, we were told we could not get a modification because my husband did not have a job. Two of these payments were short $266.00 each. So in February 2009, I made a full payment plus the $532.00 to make up for the two payments that were short. Before that, we were only one payment behind.

They harass us by phone and mail saying we are three and four payments behind, which we are not. I have figured up every payment that has been due on this mortgage and every payment they have taken out of our bank account, and it is only $754.00 difference, which is not even one payment. Our payments are $1226.91. The two payments we were short on, they put in suspense and never applied to our loan. We are one payment behind and if you count the 2 trial payments, that would be 3 payments which they are saying we are behind. We made those 2 payments and they are not being applied to our loan.

Also we found on our doorstep today, a plain envelope with the number 17 in the corner. My son brought it in to me and I opened it and on a plain index card it said. “Please call” and it had an 800 number. So I called and it was Chase. This was very unprofessional! Nobody knocked on the door or anything, just dropped it on the porch. If there is ever a class action lawsuit against this company for stealing money, I would like to get in on it, because that's all this company is doing-- stealing money.

Also last year, we had $339.00 surplus in escrow and surplus this year and we have never seen the money and then it disappears from escrow. This modification thing is a joke, it's a way for these mortgage companies to get you behind on your payments so they had foreclosure on your house. These companies should be put out of business the way they are treating people that have lost their jobs and are trying to keep their homes.

They are rude. They put you on hold forever or just plain cut you off. I have never dealt with a more inept company in my life. I just want my life to go back to the way it was, me making my monthly mortgage payment from my bank account on the first of every month. Is that too much to ask? No one seems to have a clue. They now tell me they can't put me back on auto pay until February. I have kept documentation of everything. It is almost like they want me to default on the mortgage payments. I have paperwork that says nothing would go into effect unless I sent the new payment with the payment coupon starting Dec. 1st. I never sent it. I don't want to be in this program. I just want to make my mortgage payment and be a good, law abiding citizen!

I feel they are prolonging the modification in order for the homeowner to be foreclosed. I also want Chase to be investigated for misleading and misrepresentation of the modification by constantly advising us we are in review for a modification and requesting documents that are not in compliance with the guidelines of a modification under the Making Home Affordable. They are creating their own guidelines. In addition, the underwriters are not being trained appropriately on the modification. They continue to request documents not pertaining to a modification. My family and I are extremely anxious with this situation. We request Chase to finalize our modification and give us the Making Home Affordable program they had assure us we would get. We need your assistance in this matter.

The letter we received saying our loan would be done in August of 2009 is said to have been sent in error. There was an explanation by Chase for every delay. When the loan modification was finally done in in November 2010, Chase had docked us on our credit report with 5 late payments. The loan was the same interest rate as before (6.87%) and our monthly mortgage payment was the same.

However, they charged us all the late payments and interest, so our loan principal is higher now than when we took it out in 2006. I tried to work with them on removing the late payments from our credit report, but they will not do this. Therefore, we cannot even try to refinance with another lender because of the damage to our credit. I talked to an attorney and was told there are many with the same stories and to wait for someone to file a class action lawsuit. The economic damage is the damage done to our credit, so we are unable to get another mortgage or even an automobile loan. We had good credit before Chase ruined it.

I have called every week and never get the same person twice. I was told time and time again it was still in review. Then I get a letter saying I needed to send more documents as listed below and nothing was listed so I called again and that person couldn't tell me what it was about. After being transferred to numerous people, I was told they needed proof of my military retirement pay, which had been sent 4 times before! We faxed it to them right away again! Two days later, we get a notice in the mail saying we have a month to pay the past due amount or our home will be foreclosed on! Our payments would never have been behind if it weren't for them telling us not to pay them, and now my credit score is so low I can't get anyone to consider a refinance to get away from Chase! My wife went to our bank yesterday and took out her 401(k) plan which of course cost her penalties so we can catch up the payments.

After reading all of the complaints on your website, we are really worried that they will not accept the payment as we will find out when we pay it on Saturday as we have to drive 70 miles to the closest branch bank to pay it. They have blocked us from being able to make any payments online. Why is there no one investigating this company? What are people to do? I can't believe that this is such a big company and no one will go up against to protect those that are not asking for a free ride, but a little bit of help in tough times! I have already sent a letter to my governor and state representative. Who else do I need to talk to? I need assistance and/or advice very, very soon.

When I first apply for a modification with Chase I was behind on my mortgage a couple of month. On 11/15/2010 I call to follow up and the representative advice me that I was behind $ 115,316 I was astonished, I have complied with Chase and since they are prolonging the modification without regards to the homeowner desperation, in the mean time the arrears amount keeps adding up to a point that Chase will deny the modification because of the amount over due.

Chase continues to prolong my modification by continuously requesting the same documents I submit all they request. My family and I are suffering the ordeal of chase unwillingness to help the homeowners. We need your assistance to over look how Chase is operating.

After several calls, Chase placed me on a trial payment program. I continued to make my payments on 11/18/09. I was advised by the modification department I would have to submit new documents and would be placed on another pay plan starting on 2/22/10. I complied; I was I faxing documents, I maintained my trial payments. In addition, when we followed up with Chase, I was constantly told I was in review. I would be getting my final modification Hamp .

When I first went to Chase for assistance my amount overdue was $13,579. Because of Chase's unwillingness to assist the homeowners, I am now past due $38.490. I am infuriated by the manner they are delaying the process of the modification. They have lied by falsely advising me I would be getting my final Hamp package. I feel humiliated by Chase. At this moment, they have denied my modification and are refusing to provide me any assistance.

I want to place a complaint and have Chase investigated for the dishonest way they are handling the modification. I may add they don't have any regards for the families that are in despair and anguish with the economical crisis we are all experiencing. My family and I requested Chase to bring to an end the misleading way they have kept us for so long and provide our Hamp modification just like we were advised and stop accumulating arrears to their advantage. We need your aid on this matter.

I wrote our congressman and then received a letter from Chase saying I could request a reconsideration. I filled out the paperwork again and that time was told that I did not qualify due to not enough income! Duh! In the meantime, I received a promotion at work and my husband was accepted for disability. I have reapplied and we are waiting an outcome. Chase is ruining peoples credit and quite frankly I wonder how many permanent modifications they have done for people. It's almost like they want you to lose your home!

They continue to state that my payments are going up when they advise that my taxes have gone down. I asked each person, how can payments go up when taxes have gone down? No one can explain this to me. Can someone please investigate Chase mortgage practices? In today's economy, when people are struggling to pay their mortgage, it is really hard when the mortgage companies continue to raise the rates and cannot explain why they continue to do so.

Over a 1 1/2 year period while trying to get a "loan modification" with Chase bank, I was forced to close my business after 12 years, was unemployed for 8 months afterwards, and finally after fighting a loosing battle and upon strong recommendation from a lawyer, filed for personal bankruptcy. All through these extremely difficult times and only because of my wife's job (Thank you, God!), we never missed a mortgage payment! Sadly, not for fear of loosing our home, but for fear. it would look bad on our "loan modification" application and ultimately result in a denial of modification acceptance.

All said and done, after 1 1/2years, we finally met all the criteria, and we were assigned a loan modification representative, a real person! And three weeks later, after all our efforts, we were informed from this Chase Bank "loan modification" representative that our request for modification was "denied!" His exact words, and he could not elaborate on this but only say on Chase's Banks behalf, "You'll be receiving a letter in a few weeks detailing the decision and alternatives that might be available to you a bit further."

But I can tell you, they say, "We do not take into consideration your net income, but your gross income!" So because my wife is paid too much for a career she has been employed in for 23+ years, a career which enabled us to fight every month to pay our mortgage to Chase Bank for these 1 1/2years, a career that put food on the table for our whole family, a career that put clothes on our children's backs, a career that provided a small amount of money to pay for gas, automobile insurance, unforseen expenses (like lawyers fees), a career that our whole family depended on and lived by. It was all for nothing!

Chase Banks "loan modification" is the biggest scam that is going on, right now, in American history! Class action suit, absolutely! Count me and my whole family in!

They have no intention of correcting their mistake. This has been 3 months of me calling and speaking with different people and getting different answers. Almost all claim that it would be "taken care of" and it never is. I asked for a complaint department and was given a Fax number: *** but all refuse to give an address where I can write to.

Now, Chase says on my credit report that I discharged my mortgage. I have faithfully paid my mortgage for over five years. It's never been a day late. Chase will do nothing to resolve the matter. Now, I can't sell my house. My credit report doesn't show that I am paying. They refused to report that I am paying. Even in the court proceedings, I told the judge that my house was not included in the bankruptcy!

Throughout the weeks after that, I was repeatedly contacted by Frederick ***** for various pieces of information that I did have readily available. At times, the requests were a bit ridiculous (i.e. having me contact my job to verify that my Amex is a card I use for my job when I sent them a copy of the card with my organization's name on it along with mine and I sent statements that had corporate on the top) It seems like they didn't believe me because they asked for the same thing again a month later. Anyway, I received my good faith estimate in the mail and it seemed to be correct from my novice point of view. I was called by Frederick ***** around October 8th to set up a closing date.

I verified the amount of money needed to bring to closing and it had changed to approx. $8,000. Obviously, there's a disconnect somewhere from the loan officer, to the main loan office. Brenndon **** had put in the wrong number for my property taxes.

His exact words were that it was an issue with timing, not that fact that he put in the wrong number. I was a little hesitant about moving forward. But, he said that he would try to work the loan and get most of the costs absorbed int the loan amount. He said that he couldn't go higher than 5,000 above the loan amount. He also said that he'd find out if any other documentation was needed, so we can finally get the loan closed. I never heard back from him. I did receive a second good faith estimate showing that higher amount needed for closing in late October.

After checking the mail today, I received a notice of denial for my loan. It's unbelievable.There was nothing in my past that would have kept me from getting my loan refinanced. I have acredit score that would have allowed me to get a good rate. (750, 772 range)

My home is worth $30,000 more than the loan amount I requested. My yearly salary is $93,500/Year. I've never ever been late on my mortgage with Bank of America. I've had several loans with Chase and have paid them all back and was never late.

Here's the update: I called Frederick ****** and he mentioned that Brenndon was supposed to call me to let me know why my loan was denied. Apparently, there is debt-to-income ratio issue all of a sudden which I find very funny because I was called on October 8 to close. I was hesitant about moving forward because of the numbers mix-up. After thinking over things thoroughly, I agreed to move forward. Brenndon told me that he'd check on some final information so we could get the loan closed.

So, how can they tell me about closing the loan on more than 2 occasions and then suddenly there's a debt to income issue? Maybe Brenndon used the debt-to-income ratio issue to cover up his mistake. Shouldn't the underwriters have determined this early on instead of worrying about my company Amex which is for my job? Chase is full of it!

Seems like they didn't believe me because they asked for the same thing again a month later. Anyway, I received my good faith estimate in the mail and it seemed to be correct from my novice point of view. I was called by "FS" around October 8th to set up a closing date. I verified the amount of money needed to bring to closing and it had changed to approximately $8,000. Obviously, there's a disconnect somewhere from the loan officer, to the main loan office. "BL" had put in the wrong number for my property taxes.

His exact words were that it was an issue with timing, not the fact that he put in the wrong number. I was a little hesitant about moving forward. But BL said that he would try to work the loan and get most of the costs absorbed in the loan amount. He said that he couldn't go higher than $5,000 above the loan amount. He also said that he'd find out if any other documentation was needed, so we can finally get the loan closed. I never heard back from him. I did receive a second good faith estimate showing that higher amount needed for closing in October.

After checking my mail today, I received a notice of denial for my loan. Unbelievable. There was nothing in my past that would have kept me from getting my loan refinanced; a credit score that would have allowed me to get a good rate (750, 772 range), my home is worth $30,000 more than the loan amount I requested, my yearly salary is $93500 per year, and I've never ever been late on my mortgage with Bank of America.

I've had several loans with Chase and have paid them all back and was never late. I've sent "BL" and "FS" an email today regarding the denial and we'll see if they respond.

They agreed to straighten it out, but we are still trying to get this taken cared of today. I feel that they are playing games with our money and I am considering going to our attorney, if necessary, to get this straightened out so that the payment of $36,000.00 will be credited to our account correctly retroactive to the date when we made the actual payment.

We have never been late in our payment in all the years of this mortgage and our credit score is 800. We are probably one of the better customers they have with loan, and yet, we feel violated by Chase bank. They have not given us an apology letter confirming their mistake and what they were going to do to correct it. It has now been a month. I guess they think we are too stupid to have caught this, and they could make more money applying the payment the way they did.

I am willing to take this to the media or an attorney to get this resolved and make sure this does not happen to others like us. In addition to this problem, I also tried to refinance with Chase but could never even get a call back . They told me that they did try to contact me, but it is not true. After over a month, we just decided not to deal with them. I want this matter taken cared of immediately and also I want a letter for my records showing what the original mistake was and how it has been corrected. Is there anyone out there who can help us?

I feel that they are playing games with "our" money and I am considering going to our attorney if necessary to get this straightened out and the payment of $36,000.00 to be credited to our account correctly retroactive to the date that we made the actual payment. We have never been late on our payment in all the years of this mortgage and our credit score is 800.

We are probably one of the better customers they have loan with and yet we feel violated by Chase Bank. They have given us an apology letter confirming the mistake and what they were going to do to correct it. It has now been a month. I guess they think we are too stupid to have caught this and they could make more money applying the payment the way they did.

I am willing to take this to the media or an attorney to get this resolved and make sure this does not happen to others like us. In addition to this problem, I also tried to refinance with Chase but could never even get a call back. They told me they show they did try to contact me, but it is not true. After over a month, we just decided not to deal with them. I want this matter taken care of immediately and also a letter for my records showing what the original mistake was and how it has been corrected. Is there anyone out there that can help us? Applying the money incorrectly cost us about $2000 and Chase was the one to benefit. I don't trust them anymore and wish my mortgage would have never been taken over by them.

They have given us an apology letter confirming the mistake and what they were going to do to correct it. It has now been a month. I guess they think we are too stupid to have caught this and they could make more money applying the payment the way they did. I am willing to take this to the media or an attorney to get this resolved and make sure this does not happen to others like us. In addition to this problem, I also tried to refinance with Chase, but could never even get a call back. They told me they show they did try to contact me, but it is not true. After over a month, we just decided not to deal with them. I want this matter taken care of immediately and also a letter for my records showing what the original mistake was and how it has been corrected. Is there anyone out there that can help us?

Applying the money incorrectly cost us about $2000 and Chase was the one to benefit. I don't trust them anymore and wish my mortgage would have never been taken over by them.

I called Chase and was told I was assigned to a particular person and that I would have to deal with her. I tried and tried for about a couple of weeks, kept leaving voice mails and when she did not return my calls, I called Chase back and told the people that I could not get a hold of her. After awhile, I decided to let Chase contact me. Their attorneys did (Trott & Trott ) in June of 2009.

In July of 2009, I faxed paperwork to for a modification. I was put on a trial modification in Aug of 2009. My 4 trial payments were $942.03. I had to send these payments Western Union or pay with a cashiers check, they would not take them out of my account. After the second payment, I receive letters in the mail that I had to move because my house had been sold at the Sherriff's sale back to Freddie **. I was devastated.

I called Chase so many times over this because I was on a trial modification. After call, after call, I finally reached someone that told me it was an error on their part and they would fix it, it was due to a system upgrade, just be patient. They told me to keep calling to make sure. I made so many calls and each time talked to a different person. Finally, I reached a gentleman that again said it was Chase's fault. He called Freddy ** while I was on the phone and told them Chase had made an error.

He then called Trott & Trott and told them it was Chase's error and do a rescind on the sale and they would pay the charges. After the sixth payment of the trial modification, I still had not heard from Chase. So, for the 7th payment, I called Chase and was told to keep making the payment's until I heard from them. The 8th payment was sent and it was returned to me. Chase had not accepted the modification terms and would be willing to see what they could come up with.

They couldn't do anything and I was told to send in another application for modification. No trial payments were set up this time. It was turned down. Loss and Mitigation told me it was because I was short like about $150.00 month. In the meantime, I received a letter from **, taxes had not been paid. Kept calling Chase and they assured me they had paid them. Received another letter, my house again was due up for sale for unpaid taxes from spring of 2008 which Chase had not paid. After half dozen calls Chase would investigate and put a work order in and if indeed they where owed, would pay them and the late fees (which I was not to be charged for). Then had someone (Ted ) move back into the house to help with the income I was short.

Called Chase and told them Ted was just starting a new job and did not have any pay stubs. They said a letter from his employer would be okay and to apply for the modification. Faxed all that. Kept calling because they would not contact me. Finally, one Chase person told me it had been turned down but that they had not had the application long enough to do what Chase had to have done. He told me to fax modification papers again, so I did. Heard nothing. I quite calling Chase because I was talking to them hours of my work time and I just kept getting runarounds.

Every time they told me I didn't make enough, I had told them I make now a little more then when I acquired the loan (2007-$26658. /2008-$26496. /2009-$28263). My payment on the house we originally is $1100 and then after the trial payment period was over. They told me the payments were around $1349. Due to fees and higher taxes. When I bought the property the taxes were $800.00 per year. After I bought the property, apparently there had been a cap on the taxes. I have tried to work with Chase. The sheriffs sale is set for 11/18/2010. Back in August of 2009, my property was accidentally sold back to Freddie **.

A rescind to the sale was made. I am trying to work it out with Chase but the sale is set for the 18th of this month and I have just been assigned a new person at Chase. I have paperwork to backup that instead of the 3 or 4 trial modification payments I made, 8 trial modification payments and was never late . The 8th one was returned. No one at Chase can provide me paperwork as to where my payments of 942.00 went, other than not on the loan. Chase is responsible for a lot of charges. I was not supposed to be responsible for. Chase loan #** Freddie ** (DC)#**.

Please, I am living in my home and I want to continue. I have worked at the same place for 22 years and even in 2001 when I had breast cancer and only worked 4 months out of the year, I caught up on all my bills. This was due to circumstance mostly out of my control. Please help!

Chase is out of control and apparently has no legal guidelines to follow. Chase created a totally unnecessary situation. And Chase turned every thing into a fiasco. They should be stopped. Don't anybody read the tragic situations caused by Chase. All you have to do is Google Chase and thousands of complaints come about the same thing with Chase, "Can't nothing be done!" I have asked and asked for a breakdown of where my 7 trial modification payments went of $942.03 and can't get anything by anyone at Chase. The government is just going to let Chase continually rip off every person they can?

My loan officer said it’s unheard of to charge anyone this kind of fee and refused the payments. I’m tired of dealing with the number of people at Chase that hand off my phone calls. You never get the same person and no one can give you an answer. They just pass you on to the next number and it can go on for hours till you give up. The Attorney General’s office is tired of hearing the calls come in and you would think someone would help the general public. What’s their job? But this bank has figured out how to strip its customers of the little cash they have in their home or pocket and have no fear of anyone telling them what they are doing is wrong.

I’m losing my home and equity of $250,000. I had 50% of my home paid for. My health is starting to fail. I can’t deal with this anymore and I’m tired. Even when I found someone to take over the loan, Chase refused to give a payoff and resorted to add fees to kill any chance of getting out from the under the foreclosure.

On October 24, 2010, I received a call from Chase that I had been dropped from the loan modification because 60 days had expired from the paper work sent in July due to my file never being assigned to a loan modification representative. I was told that I had to make a $6388.59 payment to avoid foreclosure or start new paperwork again before the payment due date of November 1, 2010. Chase had no intention of performing a loan modification and thus caused my credit report to reflect a five-month late payment which has affected my credit score. I have learned that Chase Mortgage has no integrity to their clients. I am now working on a means to rid myself of Chase Mortgage. Truly, President Obama does not realize how these mortgage companies are abusing the loan modification program to save peoples' homes.

After about a year of this, my first mortgage holder finally foreclosed on my house. Fast forward 11 months after my foreclosure and Chase is suing me for my $42k second. I'm not protected in California so now I'll likely have to file for bankruptcy. I've done everything I could to keep up on as many of my debts as possible (I'm not irresponsible, I just lost my *** job!), but now I'll have a BK to deal with. I had to move hundred of miles away to find a job that paid more than pennies. So I finally found a decent paying job (still much less than before) so I can start to get back on track. So now that Chase waited months and months to file against me, I likely won't qualify for a discharge because I make a few thousand dollars more than I should to qualify.

If only I hadn't been responsible and tried to short sale my home, it would have foreclosed while I was still making pennies a year and I could have let discharged the Chase debt. Thank you Chase for trying to ruin the already difficult lives of your customers. I just got engaged and can't even think about enjoying that or ever planning a wedding because I have to figure out how to deal with their $42k lawsuit. Thanks, Chase. I sure hope that my federal tax dollars continue to bail you out so your CEOs can continue to get $20 million bonuses each year. It's nice to see our banks protected but consumers not. I'll continue to look for retribution but I highly doubt that I'll ever find it. Thank you Chase for ruining what should be the happiest time in my life. Do you steal candy from babies too?

When we called Chase Bank, they told us we agreed to these terms. We did not because what maniac would agree to pay 29% interest rate? After making several attempts to lower our rates, we were given the run-around and told after 6 months that our rates would be reduced. 6 months later and never missing a payment and sometimes paying double the amount or more, there’s still no reduction. It's been almost one year now and we've paid Chase these abhorrently high interest rates while Chase refuses to lower our rates. Chase is the devil! I mean, how long is someone going to be penalized?! Are there no regulations or laws to protect the consumer from these dishonest business practices?

Since he was so confident, we decided to go with this firm. In the beginning I felt like we were making progress but as time goes by it ends up that Chase Home Finance is still doing the same thing. We have submitted the same documents numerous times and in a timely manner, but they do not act on it or do anything with them and then they want the same documents over again so they are updated.

Well, if they aren't ready to do anything with them, why do they keep asking for them to be updated especially when nothing has changed? We are getting tired of this because it has been over a year and a half since we have been requested a loan modification in order to save our home. I was making the mortgage payments but became career challenged and lost my job. At one point, we were given the opportunity to make "temporary payments" while the modification was under review. So I made the temporary payments but when I went to make the payment several months ago, they would not accept the payment from me. So that is when I sought an attorney for help with this matter.

Shortly after that we received a foreclosure notice. Fortunately, we retained the attorney to help stop the foreclosure proceedings, but, no, Chase Home Finance is still dragging their feet and asking us for the same documents over and over again. All we want is for the loan modification to be approved so we save our home and get back to making regular (but modified) payments on the home. We continue to stay at risk of losing our home and all we want it a loan modification so we can save it.

They kept saying they had to re-review because of changes being made to the program. During the process, we were told that we had to stay current on our mortgage payments or we would be automatically disqualified. We were denied because we were current on our payments and because they deemed our current financial situation as not permanent. Then, when I complained, they sold my mortgage to another company - a company that does not participate in the program. Chase mortgage is a bunch of crooked **.

My complaint is that I paid my mortgage from 1996 to 2009. The last years it was to Chase Bank. The payment was for $610/mo. I wanted Chase to for close on the house but they would not do so. In 2009, I stopped payment on the house. I talked to several people,loan officers, bill collectors for Chase. I told them if we all work together the Borough that the house was in would some day have to buy it.

That is what happened in 2010. Some of the representatives for Chase was Matt **** and Eranesto******. I told them the deal that was agreed to about the payments. I made this with some one that worked for Chase Mortgage Co. It was that when I get my settlement, I would pay off the loan. I was of the understanding that they would not charge interest on the loan from 2009 to until I was paid off. I owed a little over $75,000. You have to remember that I paid the mortgage the whole time it was in litigation. The Borough filed eminent domain in court. That was in 2008, I could not live in the house.

Well, I settled in 2010 with the Borough but my problem is with Chase. They did not hold up on their end of the bargain. They charged me $99,000 on the loan that was only $85,000 to start with. They charged $24,000 in interest and late fees. You have to remember I paid on this loan for 5-6 years at $610 a month, $510.00 went to interest. If you do the math, they made $510.00 X 72 mo and also $24,000 on top of that yet. I think this is highway robbery. They did not help with legal fees or any of the expenses. In Aug of this year, I asked for $10,000 back toward my legal fees. I have heard nothing back from them, meaning *** and ***. They were to have gone to the Board. I try to call but none of them return my calls. This was a nightmare. I had no help for a long time. Bur for the grace of God, Department of Environmental Protection stepped in and said the Borough had to fix the problem or buy my house.

1) Offered an adjusted ARM payment schedule to begin on 11/1/10 (offer dated 8/23/10);

2) Offered and accepted lower monthly payents during a modification period up to 10/1/10 (all documented); and

3) Quietly foreclosed on our home on 8/25/10 (two days after the new ARM rate adjustment was printed and mailed to us).

We discovered through Chase's Lakewood, CO lawyer's office (Michael **) that a Chase employee in the Phillipines named Maria had stamped the foreclosure document and listed "missing documents" as the foreclosure reason. Meanwhile, we have gone above and beyond to provide documents to Chase, time and time again. Chase will only speak to us on the phone, but will not email or put anything in writing now.

All we knew is that we had made all revised payments as promised and had provided documents and duplicate documents through the last year while they mulled over a home modification program. We got married 9/4/10, happy that Chase had offered us an ARM adustment plan to begin 11/1/10 and my three new incomes into the marriage would make that doable. We had no knowledge that Chase had simultaneously foreclosed on the home until eight weeks later when a local realtor posted a note asking us to leave within two weeks.

So, one branch of Chase is secretly foreclosing on our home while the other branch is offering an ARM adjustment and continuing to accept our payments--even after the sale was completed! That has to be illegal! Chase's attorney, who signed the foreclosure documents, agrees that there are serious discrepancies. The Larimer County Trustee who documented the sale (Debby **) now agrees that there are serious discrepancies. The local real estate office tasked with moving us, now agrees that there are serious discrepancies. Yet no one can tell us how to get this reversed.

How can we get this foreclosure reversed without living in court for years? And how can we stay in the home until the decision is reversed? Another American family is facing eviction and the loss of 18 years worth of equity because Chase Bank hasn't been held accountable for its practices. We are trying to get a recision of the foreclosure sale, but Chase has to file that with the courts. If they choose not to, they could outspend us on lawyers a million to one, but that doesn't make this travesty right.

Why can't these banks work with their customers? I have never been late on my mortgage prior to this very serious turn of events with my son.

I patiently waited until Wednesday of the next week. When I called them, they told me that since their error put my account into an overdrawn status, they now needed something from the bank stating that it was paid out. They confirmed that they received the money when I spoke to them last week. In the meantime, they are aware that I have no money and no way to purchase food for my family, but they do not care.

Now they knew I was a victim of identity theft and that it would be a huge hassle to get the reports open again. It was the last in a long list of additional information requests, I believe now, because they couldn't close in a timely manner, with a clunky loan process that took over 13 weeks and counting, when I quit dealing with them, and endless incompetence they were burdening me with.

I moved on to a responsive local bank lender who was superb to deal with. I closed within 7 weeks, enjoyed responsive people I could always get in touch with in 24 hours or less. The rate was almost 3/8 lower than Chase, with lower fees. I can think of no reason anyone would use Chase for a mortgage. In a word, they are simply awful.

They also said the process could take approximately 90 days. Well, we were informed in October 2009 that we were denied due to "unemployment not being used as a steady source of income." With no other options other than to pay approximately $9,000.00 to them (because of the three months we were asked not to pay by Chase, we proceeded to pay our original mortgage payment of $2170.00 and that started up in 11/09. So we continued to pay every month with no notice from Chase. No phone calls, no nothing. Friday, 10/22/10, we received a letter from Chase with a returned check of $2170.00 (which was electronically sent to them on 10/7/10) stating it was being returned due to "funds insufficient to cure account."

Now Chase returned a check of which I have, but the money was still showing in my account as paid out to Chase. They returned a check but did not refund my account with the money. When I called the number provided (1-800-981-3792), I spoke to three different people (Candice, Fernando, and Garrett) and all three gave me a different option.

Candice told me to try to go thru a loan modification on just my income. Fernando told me I had to pay 50% of what was owed, which was $5550.32. Garret told me to call 614 422-2501 and find out about the $2170.00 that was returned to us. He advised us to find out why this happened. I told all three that I had every intention to pay another $2170.00 on 11/1/10 but I was advised not to as it would be returned. So on 10/23/10 I called the number Garrett gave me, which was the customer care number and they told me I needed call 1-800-848-9136. So I did.

I spoke to Linda and she advised me to make a copy of my bank statement showing that the $2170.00 was not returned to our account. I send a letter of explanation to the payment Research Center, the fax number is 614-422-7575. I asked what do I do after I fax and she stated, “Call customer care approximately 48 hours later and find out where your money is.” I have asked on numerous occasions if we could just put the three months that were owed on the back end of the mortgage. I never received an answer. It was never an option. I have been with Chase for over 8 years and we never missed a payment.

We fell into a legitimate hardship and we are being told that Chase is starting foreclosure proceedings. After 20 years of being employed by DHL, my husband was laid off in March 2009. We stayed current with most everything until we applied for the loan modification and then it all went down hill from there. My husband is actively looking for a full time job. He went thru the Plymouth Police Academy and received his Sheriff's Badge. He currently works on a per-diem basis by a pager system. So there are weeks where he doesn't work to possibly working 5 days per week. There is just no steady income.

With him losing his job we also lost his benefits (i.e. health insurance), so I had to pick that up with my employer which is approximately $500.00 per month. All we want is someone to work with us from Chase. Not one department knows what the other is doing. It is very frustrating. The news/commercials continue to tell the consumer to call their lender and they would be happy to work with you. I do not see it that way. They work with you on what is good for them. They do not meet the consumer half way and the consumer is treated like a number.

With all the pain and suffering of irrational phone calls with staff at Chase, we have yet resolved our 3-month shortfall with Chase. The phone calls that I make put a great amount of stress on me before I head out to work and then I proceed to follow up when I return home again with no resolution. We have fallen victim of this whole unemployment status. We have always done things by the book and feel we have no where to turn to for help because god knows we can't afford an attorney and I believe Chase knows that. We need help and someone to guide us. We would be happy to use our incident if needed to file a class action suite against Chase Home Finance.

I can't tell you everything I went through. I only wish I had recorded my conversations with the inept reps. that do this. They lied, when I told one woman that another employee had told me my paperwork had been received and she was saying it hadn't she said, you can't believe what everyone here tells you. Huh? **? They jerked me around for 8 months and then denied me but did not tell me until 2 weeks after denying me, even though I had called. And never sent me a denial letter which they stated they had. Well I guess if they say it, it makes it the gospel truth.

Would you be interested to know they were involved in the illegal activities w/ Enron? I wish I had recorded all my conversations, although I'm not sure that would help. With all the complaints on here, you'd think someone would stop them. I want to join a class action law suite against JP Morgan Chase.

In mid-August 2010, I mailed Chase my Oct. 1 mortgage payment, along with a second check to pay down the principal (mailed six weeks before the due date. I usually pay early). I wrote two separate checks, clearly marked. I filled out the payment stub accurately. I noted on the stub: "Two checks enclosed".

In mid-October (eight weeks after my August mailing), I realized I hadn't received my Nov. mortgage statement! I called Chase. Their automated system informed me that I was late on my Oct. mortgage payment. No option to speak to a real person; finally, the "0" key got one. I spoke to a less experienced representative and requested follow-up with a supervisory rep. I documented names and demanded timely follow-up. I had to initiate a "work order" and wait three "business" days (5 days) for Chase to update their information to indicate that I really did pay my Oct. 1 mortgage. The supervisor did call me the next week to tell me the problem had been fixed. I am still waiting for written confirmation.

However, I'll wait to see if Chase Bank really fixes the mess it caused. The company line: Oops! Computer problems! (This is the standard answer when you catch any bank doing bad things.) I was told Chase received my payments 8/26/10, but "nobody looks at them". It's all computerized. (Great, so the computers should be able to handle routine transactions, right?) Well, back then, there was a "computer problem," and, in error, the computers applied both payments to my principal, and nothing to my mortgage. So, due to Chase's bad computers, for the first time ever, I am reported as not paying my mortgage! I never received a late notice; I never received a call. (They told me Chase "calls you the day after the due date if we don't receive your payment. People get mad at us and say we are harassing them. Somebody should have called you on Oct. 2.") But two weeks went by and nobody called. Nor did I ever receive a "late" notice in the mail. Nor did I receive my Nov. statement.

If I hadn't noticed the lack of my Nov. mortgage statement, my house might be going into default pretty soon. Does this sound familiar to anybody? I can't be the only one affected if this was really due to a "computer problem" back in August. The computers read the stubs and the checks, and they read them wrong. If this was a one-time problem, you'd think Chase would have gone back and re-examined the accounts affected by their "computer problem," and corrected them.

Apparently not. It was completely up to me to figure it out, and I was lucky. It seems odd that there were so many breakdowns in their system: the computers didn't apply my payments correctly; nobody called me about a late payment; I got no mail notice; I never got a Nov. statement. I care about my credit history; Chase's representative didn't. He kept reassuring me about the "grace period". No, I don't do grace periods. I pay on time, early, and my record should reflect my excellent payment history, not be negatively altered due to the bank's negligence.

The reps tried to get me to sign up for auto-pay, but if I had auto-pay, I never would have noticed this problem! Then, because I didn't receive my Nov. mortgage statement, I had no stub to include with my Nov. payment, which I rushed into the mail, along with a marked-up photocopy of an old stub. Hope the computer can read that! Hello, bank regulators? How can this be okay? Seems like a good deal for Chase. The "computers make an error," putting my loan into default if I don't catch the error (Chase was unusually silent about "not receiving" my payment); then they get to foreclose on my house (which is worth 10 times more than the mortgage I owe).

Somebody is making money off a scam like this. How can I trust that any future payments on principal won't "confuse" the computer and cause the same problem? How can I trust that if a payment is lost in the US mail, Chase will alert me? How can I trust that this current problem is resolved? I'm still waiting for something in writing. (Just look at the huge volume of complaints against Chase!) What if my Nov. mortgage payment misses the due date because of slow mail? What if Chase has already notified credit bureaus that I was "late" --in error? Will Chase fix that mess? Will Chase pay for me to get credit reports? Can I send Chase a bill for the hours of time it has taken me (and may yet take me) to correct this relatively minor mess?

Here's my advice: stay away from Chase! Thank you for sites like this one where American consumers can band together. I hope my story can help someone else who is getting a runaround from this bank. Chase needs to wake up, stop being defensive and clean up its act. Somebody needs to investigate these guys.

My credit score has plummetted, my health has been affected by the stress and worry and I don't know what to do.

I have been looking into trying to do a Home Affordable Refinance under the guidelines of the government program. I have hit a brick wall. Per speaking directly with the hope line associated with the HARP program, we qualify for a refinance. We are current on all payments and have good credit. Problem is no other banks will help us and keep sending us to refinance with our current lender. We can't as IBM is only a payment processing center. They don't do any refinancing. So I contacted Chase since they held our loan up until 21 days ago. They stated that they could have helped us 21 days ago and could have had no problems with a refinance.

But since they don't service our loan anymore they can't do anything. I would have been happy to have them refinance 21 days ago but no one told us about this program. So after my last call to Chase this morning. Some tears on the phone to the Customer service agent, I was told that I was just unlucky. That basically no one could help us. To "prepare for the worst" What kind of help is this. Where is the help for those of us that really need it before we get so bad that we have to foreclose?

I have stopped making payments and now I receive this letters telling me to call a 1-800 number because my house is my home and they want me to keep it. I was very interested and called the 1800 number. When I called I was told because it is a WAMU loan I had to call the 1866 number. I called and I was told that it was disconnected and I needed to call the original 1-800 number. I called them back and the lady tried to tell me that I needed to call the 1-866 number again and I explained to her what that number said. She explained that she will transfer me to the right person and I was. A phone message telling me to enter my parties extension. I had no idea who my party was. I have since found a buyer that will buy the house at its current rate of appraisal which is $84K less than the mortgage price but still 71% of the value.

The way I see it, its better to get something rather than nothing. The agent refused and I was told, "We prefer you foreclose than to short sell the house. It is a choice you will have to make." I was very upset and probably louder than usual when he told me that. He would not help me in any way though towards achieving this goal and short sell the house. His quotation was, "So, are you foreclosing, sir? I need to know." I finally gave up and was tired and beat up emotionally.

I have since left the house, moved into an apartment with my son and I am waiting for the foreclosure to go through. I can't believe that being an outstanding citizen, paying all my bills ahead of time and bailing them out with my tax money has got me to this point at age 48. The positive out of this is that my sons have learned a very important lesson from the mistakes of their father. A buyer is still waiting. What do I do? Thank you.

I was then advised that I would need to make three "good faith" payments while my documentation was being reviewed and forwarded to a negotiator. During the three months, I was required to send updated wage and debt information twice. After five months of submitting the original documentation, I was contacted by a representative of Chase Bank that went over the documentation I had submitted with me. I was approved for the modification and was sent the Loan Modification documentation for my signature.

After speaking with the negotiator and asking if it was okay to submit the documentation via fax, I took the documentation to a local Chase branch bank and had the documents faxed. I called the documents department to verify documents were received, would be signed by a Chase representative and a copy sent back to me. All of this transpired in July 2010. I was to make my first payment on my new modified loan on September 1, 2010. I was told by a Chase representative that my mortgage loan records would be updated by the time I made my first payment in September 2010.

I called Chase bank on August 27 2010, to check to see if my account was updated. I was informed at that time that my modification had been denied because I had not returned the modification documents. When I told the representative that I had faxed the documents in, after further research, the representative acknowledged that there was indeed an error made. At that time I was told that this error would be escalated to a supervisor and it would be corrected in seven to 10 business days.

The representative told me to call back at that time (seven to ten days). When I called back, nothing had been done. At that time, the request was then again escalated to a supervisor. It is now October 18, 2010 and I am on my fifth escalation to have the error rectified. I have spoken to representatives of Chase bank in Ohio, Arizona, India, and Dallas, TX. The last escalation was handled by a representative in the Philippines. I reside in Houston, TX. I have done everything I am supposed to do. I have provided the documentation I was required to four different times and these so called supervisors cannot seem to be able to take the time to do what they are supposed to do.

I am extremely frustrated. My credit rating is in the tank because Chase Home Finance has reported that I am delinquent by seven months. In order to get this rectified, I have to request Chase Bank to make a one time credit adjustment and my credit report will be updated. I cannot get this done however until my loan account is updated and corrected.

After ten months, they didn't take my payment because it was at the end of the permanent modification which it didn't make sense to me. I kept calling them and asking why it was taking so long and they just keep saying that it is the process.

One day, I just got a letter from Chase telling me that I didn't qualify for the modification because I didn't send the documents which I did sent everything that they were asking. Then I reapplied and they told me that I couldn't because I lost the previous modification and they sold the house.

I personally know of other people that they did the same thing. I will like for this case to be investigated.

As stated before, I have been trying to get this home modification for almost a year, constantly resending documentation to Chase and getting no answers. Since deployed, I had to resubmit all my paperwork again (4th time) with current pay stubs. Finally, I got a denial because I make too much. We tried to explain that this was a temporary situation that I would be off active duty in a couple of months, but of course got the canned answer, “You will have to re-apply.” All we were looking for was a good fixed rate that combined all of past due taxes, (that they paid) to get us current, not looking for any additional fund.

Currently, while deployed it will not affect us, but once I get back from the war and back to my civilian job, I will be back to where we started. Trying to get answers from the modification department is worthless, you try going to a local branch and they say there is nothing they can do.

Now they won’t talk to me or accept any further payments, nor will they take off any late fees or help me. I feel that they did not properly inform me and had me go behind in payments, even knowing that there was no loan program for the unemployed. This was a bait and switch. Every person I have talked to at Chase was notified of my financial issues and had me file for a loan modification. After about a week of going through the loan papers, they would no longer speak to me no matter how many times I contacted them. I would like to know if there is anyone willing to talk to me in regards to this issue and let me know if I have any legal recourse.

The sale fell through. I waited a week into August to find out if the buyer was going to figure out alternate financing. During this week, I was called several times by Chase, sent a foreclosure notice and they even went by my home and put a sticker on it, saying it was vacant and charged me over $100 in fees. With all of this harassment, I decided not to wait any longer and made my catch-up payments for July & August, making me current. The harassment didn't stop. I couldn't figure out why until I received September bill and they didn't apply my payment to the mortgage payments. They put it into principal only payments and had me as 2 months overdue.

On 17 August (two weeks after my payment) they sent a negative notice to the credit reporting agencies that I was 30 days past due. I have perfect credit. They messed up my payments and I've never been late on any payments ever! Why are they allowed to do this? Why can't I do anything about it? I'm not someone who is a credit risk and now my credit report shows that I am. If I could leave them, I would, but I'm stuck. I don't want to pay several thousand dollars to finance with another bank who may eventually sell it to Chase again!

Last year I requested a loan modification through the HOPE program. It was an ongoing nightmare. Files were lost, no one had the information when I called to check on the status, I was told everything was complete only to be told a month later (by someone else) that they couldn't proceed because they were missing forms from me. No one ever gave me the same information. It took over 9 months for our loan modification to be completed. They did lower our interest rate, as promised, but our loan balance increased by $15,000, so our payments didn't decrease as much as we had expected. When I called to ask why the balance had increased, I was told it was because we had been behind and the past due amount was rolled into the new loan. But we were only one month behind. $15,000 would be almost a year's mortgage payments. I called to ask how I could get a written explanation of this discrepancy. I talked to 6 different people who told me they didn't know who I should write the letter to, they didn't have an address or a name to give me. Finally, after 45 minutes on the phone, one person gave me an address and said to send it to their "Research Department."

That was 2 months ago, I have never heard from them. As things got worse for us financially, we decided to give up our home and do a short sale. This has been a new nightmare. I had to call two different days and was on the phone for over an hour just to get connected to the right department to handle a short sale. Each person told me I had been connected to the wrong department and gave me a new phone number which they assured me was right. (One of these was not even a working number.) I finally got through to the right department. Since then it has been one delay after another. They have requested the same information three times. We have a realtor who specializes in short sales and even she is baffled by how they're handling this. I honestly believe that Chase has no intention of helping people; they are running a gigantic scam and taking advantage of our misfortune.

I waited 30 days, missed the March payment and called back. It took almost a month and a half to find someone to speak to. In the meantime, we listed the home for sale as we anticipated that we may need to entertain a short sale. My husband's salary was insufficient to cover the mortgage as I had the larger income.

The run around, lack of response, changing out of bank employees that were "handling" our file was beyond ridiculous. You could never get a direct line to anyone or email. We obtained a contract on our home and sent all the information requested by Wamu (several times as they kept "losing" it). It took them 3 months to make a decision and in the meantime, the buyer lost financing due to further deterioration in the lending market. We changed realtors and started over.

In the meantime, WAMU would never consider a modification that made any sense and as time rolled by more and more interest accrued. We obtained a new contract. This time, we hired an attorney to help us with the negotiations. Again it took almost 3 months for Wamu to accept the offer. Even the attorney had difficulty in maintaining any type of contact with the same individual at Wamu.

Just when your file would get close to completion, they would change your processor who for some reason never had the information we had sent in previously. What a joke. In November of 2009, after 3months of waiting and a week before thanksgiving, WAMU comes back and accepts the offer but it must close within a week. There was no way that could be done.

The attorney contacted the individual she had been working with at the bank and was told verbally that we could have a 30-day extension to allow buyers lending to do their appraisal/survey/title and for my husband and I to find a new place to live. The attorney asked her to send it in writing and she said she would. The attorney waited and after a few days of nothing, she hounded Wamu to find out what was going on.

The person we had dealt with was no longer handling our file and the "supervisor" told the attorney that the extension we were given had not been authorized by senior management and would not be honored and they were just going to foreclose as they wanted it "off their books". The attorney advised us to give up. Shortly after that Chase bought out WAMU. We heard nothing for a long time until we were notified that foreclosure was scheduled for June of 2010. We never received any notification that Chase had even taken over our loan and we were not even sure as it was our understanding that Chase did not acquire all the loans from WAMU. My husband and I were now divorced but I remained in the home.

I was forced to find another place to live with the pending foreclosure. I found an apartment and with assistance from family moved out. I still have not found consistent employment sufficient to cover day to day expenses. I am trying to change careers but it is not easy for a 52 year old to find employment in a market where they only want young "cheap" labor even though I am willing to work for going rates.

In any event on June 3rd, we received in the mail that Chase was stopping the foreclosure in order to work with the homeowner to modify the loan. Again, what a joke. We were contacted by Chase and I was finally excited to speak with someone who seemed to care. They were not authorized to modify the loan down to $250,000 which was the current market price for the home which would have permitted my ex-husband to live in the home.

However, fate is strange. A passerby in the neighborhood remembered we had had the home for sale over a year ago and knocked on my front door. He wanted to make an offer. I contacted my Chase representative and she told me that they could not accept a short sale offer unless I listed it for sale. It's stupid. Again fate took hold and the prospective buyer advised me that his mother was a realtor. So we went through the hoops of getting a listing agreement, and a purchase contract together.

This was sent to Chase. Also, our rep wanted all the same stuff we had sent to Wamu multiple times. She said none of it made it to her when the merger happened. (What happened to my "private" documents I wonder?) So we sent the stuff again. She quit taking my phone calls and while I could see she was "reading" my emails, she never responded again after the first email I received from her. The realtor was experiencing the same thing, although, I had given them through written authorization to speak with Chase on our behalf. Again, Chase could not find the document, but surprise, surprise, they had the documents that were sent with the same fax that included the authorization. I sent authorization again to the **.

Now the biggest joke when you call to speak about your account is they want the Chase loan number (which was never given to me). I was told by Jenifer (our now missing rep) that all I needed or anyone with permission (realtor) was the original balance of our loan, names, property address, and last four of my social security. Again it was a joke. Everything came to a halt as we were in limbo. Jenifer's loan were assigned to "Pinky" who beyond telling us of that fact never contacted us again. Both their phone extensions changed and no one knew where they were. The realtor then contacts me frustrated and advised me that she found out that the foreclosure had been set again for October.

To this day, we never have received that notice. During this time, I received a call from Chase (the equity division) and they wanted to know if I was open to a modification. The person who called me had no idea that we were in short sale negotiations and his files showed nothing. The funny thing is that this guy calls me but since I did not have the holy trinity of facts I needed to know about my account he would not discuss anything further.

He called me with the number in my file. Giving him my social, property address was not sufficient and I told him I never was given a Chase account number. I asked him who could give that to me to make things easier in the future. He said he could not give it to me unless he could be sure of who I was. Again, he called me! The realtor was able to locate corporate contact information for the business unit supposedly responsible for the modification of our loan. I, as well as the realtor, called and sent off blistering emails. Two weeks later, our sale is approved but they will not remove the language about the deficiency previously with Wamu that had been agreed to in writing. The rep now from Chase says "we pursue the deficiency". However they want me to sign something saying that by their accepting the short sale, it does not absolve me from the deficiency. Do they think I am stupid? So most likely it will not close.

We had put all of our savings into this store and could not get permanent financing for it so we had to close and file bankruptcy. We were trying to assume our house back from the very start and they refused to talk to our lawyer. We wrote our local congressman and we were finally offered a making homes affordable modification. We paid all of our payments on time except in October because our house flooded in the nationally declared disasters last October in Georgia. We sent them a letter stating what had happened and the we had to have the flooring and base molding torn out and replaced. We did not have flood insurance because our home was not in a 100 yr. flood plain, so we had to pay for it ourselves so it would not bring further ruin to the home and our furnishings. FEMA finally came through and paid about half of what it cost and we sent the payment on the 14th of October.

They kicked us out of the modification because of that. What was really weird was that they sent a letter congratulating us for completing the trial period payments and in a separate letter on the same day saying we had been declined from the program for not making the payments. I called the ones who have the oversight of the banking industry and a HUD housing counselor and they were suppose to put me back into the plan.

They keep asking for the same paper work over and over again.This has been going on since December of 09. I know that there are times that some people don't understand or don't send in the proper paper work, but for God's sake could someone at least look at all the complaints on line about Chase! They all basically say the same thing! I still do not have a modification.

This is such an outrage for them to be doing people so badly especially when it was our tax dollars that bailed their butts out and now they are sticking it up ours. After all the stress from Chase, I am having strokes and I am now disabled. I account the largest culprit of causing my condition to Chase Home Finance because of their lies, saying you didn't send papers in when you know you did. I started sending everything certified and signed for, just so they can turn around and tell me that it doesn't matter if it was signed for as it did not mean it got into their system. You think that kind of mentality won't get your blood pressure up? Someone please help!

We sent all the requested paperwork. After 3 months, they requested more paperwork. This continues for over a year! They finally contacted us about a "trial payment plan". So we made our required "trial" payments. Now it is October 2010. They have denied us a loan modification. They are now stating that we have acquired over $5000 in late payments and/or fees. I have no idea where this amount came from as I made all my trial payments.

They are sending us letters stating they are going to foreclose on our home if we do not pay this balance. I contacted them for help with lowering my payments. Now, almost 2 years later, they are demanding I make higher payments. This process has ruined my husband's credit score. So, now what? They want to take my home, we don't have the credit to get another one, and all we wanted was a lower interest rate. They used our taxpayers dollars to bailout this company, and they're treating their customers like this. That's just not right.

The next month, I received a letter from Chase informing me that my loan was terminated for reasons that I had not sent in requested documents. I called Chase and provided them with the dates I had faxed the documents, (some had been faxed 3 and 4 times) the fax number I faxed them to, and what documents were faxed. I even provided them with the printout report showing the date, time, and number of pages sent.

They informed me that in my file they had a record of the faxes coming in but that the Negotiator had failed to enter the documents themselves. I pleaded that I was not at fault for the mistake of a third party's error and that I was instructed to send those documents to that person by Chase. I must have called explaining this scene a dozen plus times being transferred no less than 5 times per phone call, eating up an average of 90 minutes per phone call only to reach a final destination of a department that I have dubbed "the dump department" after each time being transferred to that final place getting a recording stating, "I'm sorry, we are unable to process your call at this time. Please hang up." At which point the line goes dead.

One day, I get this call from a local WAMU bank now Chase trying to get my business, personal, and payroll account business. I talked with Brandy about my problems with Chase and she responded with a "But we are local and we can provide full service on everything right here at our branch, no problem". I made an appointment that same day bringing down the required documentation and paperwork.

It took only 20 minutes to get everything done and based on the fact that my debt had increased and my income had decreased since the first loan had been terminated. Brandy said the re-application for the Obama modification loan was a sure thing. About a month later, I received a letter in the mail from Chase that my loan application was declined. It referenced a letter outlining the specific reasons why I was declined.

A letter I never got nor have I ever been able to get anyone to furnish me a copy of this phantom letter. Chase did however offer me an alternative modification loan through Chase. Go figure. I signed it, returned it by the 6/26/10 deadline and waited for their response.

In August, I started to get concerned that I had not heard back and called Chase. They informed me that the loan was in underwriting and that they were backed up but there should be no problem. On 9/24/10, I receive a letter from Chase that the loan was approved and my first payment would be 9/1/10. Kind of hard to do when that date is almost a month gone. I again called Chase and their response was I agreed to the loan in June. My response to them was that I did not have a signed contract from them until the 24th. They have since then put me in collections.

I went in and called and they told me, yes, it had been sold. When I explained to them that we'd been working on a workout plan, they said that they didn't know anything about it. Then two weeks later I get a letter saying Chase needs some more info for the workout plan. Are they kidding me? We lost our home!

They kept loosing my paperwork and it was just the worst nightmare. No one seemed to know anything. After months of that--and then finally, I was told, "I think we have everything and we are working on it." Then, I come home one day in January to a note on my door from a realtor (I am a realtor) which stated that they were representing the new owners of this property. I called Chase and they told me that my home had been sold at an auction that morning! I told them that I had been working in the real estate industry for 18 years and know that they cannot legally foreclose with no notification whatsoever.

I told them that I am a realtor and had I known that there was a problem or my home would be sold, I would have sold it myself. I told them that I had been working with the Loan Modification Department and they told me, "Sorry, there was probably some miscommunication between the Workout Department and the Foreclosure Department." So to make a long story short, Chase sold my condo at an auction with not one phone call, letter, or notification whatsoever! On top of that, I was told that I had to be out in two weeks but they would give me cash for keys. I could not believe it or believe that they could get away with this!