Chase Mortgage Reviews

In the beginning of December 2009, I realized it was going to be difficult, if not impossible to continue to make my mortgage payments. I immediately contacted Chase Home Finance and explained my hardship to them. I was told that I should apply for a Home Modification Loan, which I did. After several attempts over a period of weeks were made to Chase, I tried to find out the status of my application; and no answers were given. I placed the house on the market on 1/5/10. I contacted Chase and advised them that I had placed the house on the market. Finally, after waiting approximately 3 months for an answer to my loan application, on 3/5/10, I received notification that I did not qualify, even after originally being told by Chase that I did.

After not getting any offers for the house for over 3 months and falling further and further behind with my mortgage payments, I decided that a short sale might be in the best interest of all parties. I changed the listing contract to reflect the short sale and contacted Chase.

On 3/10/10, I received an offer from a prospective buyer who was willing to pay just below fair market value in cash. The offer was sent to Chase by my realtor. 3 and a 1/2 months passed, and it has become difficult, if not impossible to speak with the negotiator handling the paperwork. Finally, on 6/24/10, Chase countered the offer with an amount of $102,566. No one can figure out where they got these numbers from, and the negotiator cannot be contacted. Every time I call or the realtor calls, it goes right to her voice mail; and she never returns the call. The buyer contract ends on 6/30/10. He has decided to pull out of the deal because of the length of time that has passed and the noncooperation by Chase Home Finance.

The individual asked me "if I wanted to keep my home, I sold process my payment". There is no way to confirm if the option is setup correctly (even though when you setup the auto pay, it requires you to give out the banking account info). In other words, Chase confirms the account is setup but then when it does not get transferred or processed correctly, you cannot check this unless you get a call such as I did. I had to pay a late fee and phone fee to process my payment even though this was their issue. As an individual, this bank tends to make you feel helpless. I am in good financial standing with plenty of equity and I do not appreciate this approach in customer service (or lack thereof). You simply should not treat financially responsible client in this fashion.

I questioned this issue during a conference call between my insurance broker and the service rep from Chase. The customer rep became evasive and was unsure of exactly what insurance is required by Chase. At this point, I am double insured and over-insured because of Chase Home Finance. This has caused me and my family undue financial hardship and may result in a default on this loan of $25,000.

We tried to explain our situation to Chase and all they would do for us is to add 250.00 extra to our mortgage payment until we repaid our past due payments which added up to more than we could pay for. We lost our son to cancer on September 16, 2007. We received a letter from Chase demanding the two months past due payments plus the next month payment. So we had to come up with 3330.00 plus late fees within 30 days or lose our home and land. We borrowed money from my sister to keep us from losing our home while dealing with losing our child. In November 2007, I paid two mortgage payments so Chase would leave us alone and let us deal with losing our child and not be harassed by them. But on Jan.1, 2008, we got a call from Chase stating that our mortgage payment was late even though our payments are due the first of the month. Needless to say they found our payment after arguing for an hour and a half. The payment was in a suspense fund of course and they once again charged me with yet another late fee.

To make this 5 year horror story short, we go to the latest problem on June 2009. We received another letter from Chase stating our escrow was short once again (nothing new ) so we went to a Chase bank to talk to a real person. We paid our escrow shortage amount plus our two months mortgage payments that they said were past due our mortgage payment still went up. After struggling for 7months, I applied for the re-modification loan in Jan. 2010. Since then Chase has stated that we have not paid our mortgage since Feb. so I contacted my loan ambassador regarding this matter and he told me to start sending our mortgage payments to GMAC. He said he would contact Chase and let them know we were going to pay our mortgage payments to GMAC until the re-modification was completed. He would handle the matter of Chase continuing harassing us with daily phone calls, ranging from 3 to 10 calls a day every day of the week counting Saturday and Sunday from 7 in the morning until 9 at night.

But that hasn't done anything. I have yet to get any information regarding my re-modification. At this point I have continued receiving phone calls from Chase and letters as well. The latest letter stating that Chase has foreclosed on my loan and that now our home and land will be sold on August 3, 2010. I once again contacted my loan adviser and all he would tell me is that is was against the law for a mortgage company to foreclose on a loan when it is in a re-modification process, but I don't know if this is true or not. Now all I can do is wait and see if I lose my home and land. Not only that, we may lose the privilege of being with our son whom we lost in 2007, because he is buried on our land and I get to visit his grave any time I want right now. I don't know if I can deal with not being able to look out my door and see my child's resting place every day. Chase gave us 1 quarter acre of our land to bury our son on. But the problem is it was an agreement made over the phone by my cousin and I have no written proof of the agreement so I don't know if I will be able to prove that as well.

In following up with these offices both denied ever having been contacted by Chase or reporting my taxes as delinquent. Both taxing entities (Hill County, Texas and Whitney ISD, Texas) faxed to them a statement that taxes were not delinquent. In a follow-up phone call with Chase, I was informed that the notation had been made on my mortgage loan.

A few weeks ago I received another letter indicating delinquent taxes. This time both the Hill County Tax Office and I phoned to complain about this false information being processed by Chase. We were told that the fact that my taxes were not delinquent had been noted on my mortgage and that they were researching the cause of the error. Since that time I have been informed of a forced escrow account and Chase has proceeded to make tax payments on my behalf that are not due forcing me to repay them.

They have increased my loan payment by $500.00 monthly due to the forced escrow. Phone calls to property tax supervisors on two levels have not been returned. Any assistance will be appreciated. The consequence is a forced escrow adding $500.00 to my monthly payment and advancing payment on taxes that are not due forcing me to repay Chase. This will also possibly be reflected on my credit history with Chase.

Nearing the end of that repayment plan, I called up Chase to inquire about what my next step was. Do I keep making the arrearage payments? Some person on the phone at Chase stated that a Loan Mod would be the "best" thing for me. I agreed, not knowing much about the mortgage industry nor the consequences of this on my credit. Nor did anyone explain the consequences on my credit report for doing the Repayment Plan and how all of it would result in rolling late delinquent payments!

Now my credit is even worse. At the end of that Repayment period, (August 2009) I didn't understand what that meant for my mortgage balance and payments. I could have paid extra towards my mortgage at that point as I was working (and still am), but nobody explained that to me. They just assumed that a loan mod was the best thing for me. I started the process and they kept telling me "keep making the trial payments - keep sending them in." At that point, since I was in a repayment plan from 2/09 to 7/09 and making catch up payments for 2008 that meant that the mortgage payments for 2/09 to 7/09 weren’t getting paid yet. No one explained that to me. I am just now figuring that out and am actually speaking to only a few competent people at Chase from time to time who actually informed me of the dangers and drawbacks of loan modifications on my credit and they actually stated that they would have steered me clear of it if I could have avoided it.

Just 2 months ago, they denied my loan mod for "failure to provide documents" (which is untrue as I've sent them many, many, many documents 100 times over). Frustrating! But I hear so many other stories of others in similar situations. Then they make the stupid mistake of mailing the letter denying my loan mod - to the property address. The only thing is that I don't live at the property address, my tenant lives there! It is a rental (I'm living with my boyfriend to pay off debt). So the letter was returned to Chase. I never saw that letter ever.

A month later (after I assume that the loan mod is "almost complete"), the next thing I see is an Accelerated Foreclosure letter sent to my Mailing Address (where I actually live and they know I live there because they send my mortgage statements and other correspondence there) stating that I haven't made a payment in 15 months! This is untrue as I have been making the advised monthly "trial payments" based on their guidance and before that the advised repayment arrearage payments. Only those payments are less than optimal and not a full payment - leading to delinquency! Derogatory Credit Report with default and delinquency is equal to rolling late, when I've been making monthly trial payments and also arrearage payments, as advised by Chase. Yet, no one from Chase told me about the negative consequences of doing this loan mod. I likely didn't even need to do a loan mod as it could have been avoided.

I was laid off of my well paying job and out of desperation had to take a job that paid commission only which equated to much less than I had been making. The position was with a luxury retailer and the economy at that time unfortunately was not supporting that industry.

On April 15, 2009, I visited the Chase Bank branch at Wilshire and La Cienega in Los Angeles, CA to speak with a mortgage rep regarding refinancing my mortgage. I had an amazing credit score of 813. I had never been late or missed any payment ever! At that time, all I wanted to do was take advantage of the new rates which were about 1% lower than when I bought my condo and originated the loan about 1 year prior.

The representative told me that I would be much better off taking advantage of the making home affordable program because the interest rate would be much lower. Per her suggestion, I called the 800 number she gave me and spoke with a Chase representative in the Imminent Default Department. That rep told me that I qualified for the program based on the information I gave them and said that they would send a package of forms to fill out.

I finally received the forms on May 15, 2009. I completed them and faxed them back with 50 pages of my financial information on May 21, 2009. I was very relieved to be eligible for the program and was looking forward to getting some relief from the stress that my mortgage was causing me.

The trial period payment plan forms were sent to me and I received them on 11/16/09. I promptly filled them out and returned them via FedEx on 11/18/09. The first payment for the trial period was due for 12/2009. I called to make the payment on 11/30/09 and spoke with Sue. I expressed my concern to Sue that I had perfect credit and didn't want to mess it up by paying the trial payment amount which is less than my normal payment. Sue said that paying my normal payment would more than likely have a negative impact on getting the modification.

In the trial payment guidelines that were sent to me, it says that Chase will report delinquencies to the credit bureaus during the modification process. But once the modification was approved, they will note that and remove the negatives from the credit reporting agencies' reports. With this information, I decided to go ahead and make the trial payment in the amount that Chase told me to make.

I proceeded to make my monthly trial payments on time for Jan, Feb, Mar, Apr, and May 2010 which was a total of 6 trial payments. On 3/129/10, I was online, reading blogs about the Making Home Affordable program because at this point, I was starting to get very concerned that I was being led on by Chase with no end in sight. As suggested on one blog, I filed an official complaint with the OCC so that I could get Chase to get serious about my application. I also faxed 40 more pages of my updated financials as suggested by a phone rep at Chase.

As suspected, Chase finally noticed me once they received notice of my complaint from the OCC. On 4/14/10 and 4/20/10, I received identical letters from Chase letting me know that they are reviewing my file and will provide a complete and accurate response in a timely manner. Also, that they had assigned Analyst Nicole ** to my issue.

On 4/21/10, I received a letter from Nicole ** stating that "in order for Chase to review my loan for a modification, they will need updated financial documentation." Once again, I faxed Chase the 40 pages of my financial information as requested on 4/21/10.

On 4/30/10, I received a letter from Freddie Mac informing me that my home was in danger of foreclosure because Chase has reported delinquent payments. This is false information because I made every payment on time and in the amount that Chase told me to pay. I immediately called and left messages for Nicole ** on 5/3/10, 5/4/10, and 5/5/10 to inform her of my concerns about the letter from Freddie Mac.

On 5/5/10, she finally called back and said that I shouldn't worry because foreclosure cannot happen while I am in the modification program. On 5/11/10, I got a letter from Chase Fulfillment Center informing me that after researching my account, they have determined that I do not qualify for a modification through the Making Home Affordable program or any other programs at this time because the NPV (Net Present Value) results.

On 5/21/10, I received 3 identical letters from Chase's Homeownership Preservation Office informing me of "events" happening in my area where I can meet with a Chase representative in person to go over ways for me to stay in my home and avoid foreclosure. I immediately called Chase and paid my loan up to date which was $6,662.94.

I also called Customer Service and spoke with Been ** about getting the negative marks that Chase put on my credit report removed so that I could apply for refinancing (which is all I wanted to do in the first place). Per the recommendation of Chase agent Been **, who I spoke with on 5/21/10 to request an amendment to my credit report, I wrote them a letter and faxed it in.

On 5/26/10, I tried to make my June payment online at Chase.com. The system would not allow me to make a payment and showed that the $6,662.94 payment had yet to be applied to my loan (even though the funds had been removed from my checking account 5 days earlier). I called Customer Service and was told that they couldn't help me and that I would have to speak with the Imminent Default Dept. I was transferred, told that they would get the payment applied but that I had to speak with Customer Service to get the negative credit marks dealt with. Customer Service informed me that a letter with a response was on its way.

On 5/27/10, I received a form letter from Michelle ** denying my request to amend the credit. I called Customer Service to get connected with Ms. ** but was refused a contact number for her. On 5/28/10, I received 3 more identical letters from Chase's Homeownership Preservation Office informing me of "events" happening in my area where I can meet with a Chase representative in person to go over ways for me to stay in my home and avoid foreclosure. Also on 5/27/10, I received another letter from Chase Home Finance LLC notifying me of the denial of my modification due to the NPV being negative.

On 5/30/10, I made my full June payment online and it was applied on 6/2/10. On 6/2/10, I received a letter from Chase Fulfillment Center informing me that my "modification is at risk" and that I needed to immediately return the enclosed "Request for Transcript of Tax Return." I will return this form; however, I don't understand why it is being requested since I have already been denied a modification.

To wrap this up, I want you to know that I feel that I have been treated with no respect during this 13 month process. I have been led on for no reason and have basically been forced into the horrible situation of negative marks on my credit file. All I originally wanted was to refinance my loan. Now, all I want is the same thing I asked for 13 months ago but was led astray by a Chase representative. I want Chase to remove the marks from my credit and refinance my loan to the current rates of 4.785%. My credit has been ruined, leaving me without the ability to re-finance my loan.

A short history: My husband, Chester, was a partner in a development company, holding several partially developed subdivisions when the economy plummeted. We were hit hard, as many, many were. After depleting all assets in an honest, transparent attempt to keep up with our financial debts, we were forced to file for Chapter 7 protection--completely broke. We were left with no choice. A few months after our bankruptcy discharged, my husband secured a job out of town, working on the North Slope of Alaska. By that time, we were way behind on our mortgage payments, but we wanted to keep our home, primarily because our elderly, retired, fixed-income parents share our property with us, living in their manufactured home. They purchased the home with the entirety of their retirement funds and are living on our property under a Hardship permit, sharing our water, sewer and electricity. Losing our home would not only displace us unfairly, it would leave my elderly parents, who have no savings to speak off, without a place to go. Both suffered from various health problems and moving would prove most difficult for them.

We submitted our paper work under the new Obama plan and we began making trial period payments to WAMU/Chase on June 5, 2009. Over the course of the following year, we have several documented phone calls made to the bank regarding our loan modification request. Each phone call made was to ensure we had submitted all the proper, required information. We also asked if any additional information was needed. Again and again, we were assured the bank had everything it needed. We made all our required "trial period" payments on time. We submitted requested documentation with follow-up phone conversations. We were informed by the bank on May 3rd of this year that we were approved with a modification date of 7/1/2010 and should be receiving a copy of the agreement soon. We have the phone call documented with contact person's name.

We then received a letter dated May 19, 2010, indicating the bank was unable to offer us a loan modification under the Making Home Affordable Modification program because we did not provide them with the documents requested. The problem is we had. We contacted the bank yet again. We were told the missing documents for our file was a 4506T-EZ form. We, on several previous occasions, submitted a 4506T form in our repeated attempts to comply with the bank's request, not realizing there was an alleged difference between the two.

The 4506T form was the original form in the original modification packet, which we procured and downloaded from the bank's own website (at their behest), with the bank's name and address pre-printed at the beginning of the loan modification process. Each time any documentation was submitted, we followed up with a phone call to the bank to make sure documents were received and correct. Again, this is all documented. In those documented phone conversations, it was never clarified to us that the 4506T form was not the correct form and they needed a 4506T-EZ. We were only told that the document was requested again because it needed to have a more current date.

It was not until they denied us the Making Home Affordable modification that we were told that a new rule was implemented and the 4506T-EZ form was the correct form. No bank official ever contacted us to tell us about the change. No bank official shared this information with us during the many times we contacted them throughout the process. After several phone calls, we were given a resource from the Department of Financial Institutions. They gave us a phone number for Chase Bank in Tukwila, a resource for Washington State homeowners having difficulties dealing with loan modification. We now have a contact person there, Karen **, who feels that we have complied with our Trial Period Plan and we should be considered for the original modification request.

Unfortunately Karen ** is a counselor and can only make recommendations. Our modification request has been closed, our June payment is in suspension and our file is now in Loss Mitigation with Chase Bank. Loss Mitigation is now actively trying to collect the amount in arrears which is well over $ 29,000. We received a phone call on June 9th from Chase Bank, Loss Mitigation. We attempted to explain to them we were working with a person in Tukwila but we were told by Dina in Loss Mitigation, "It is too late. I am the new contact person. Nothing done in the past matters."

In her phone call to us, she attempted to collect the $29,000 plus debt. We explained we are unable to bring our loan current, so she proceeded to offer us a loan modification, but our new payment would be well above the original payment offered through the Home Modification Plan. We indicated we could not make a payment that high but the Trial Period payment we had been making over the last year is within our financial means. The bank representative in Loss Mitigation proceeded to tell us that she needs a New Request for Modification Agreement as well as current bank statements, paystubs and copy of 2009 Tax form.

In essence, we are being asked to reapply and start the process over again. How can this be, when they already have all of our information and we've already gone through the entire process? This situation is beyond stressful and frustrating. It is all-encompassing, burdening us beyond belief as this process has gone on for over a year. We are appalled that the bank is pretending we somehow made a mistake, when all along we played by every rule, and we adhered to every guideline. We, in a good faith effort, made every attempt to meet our responsibilities, and we believe we did. What good is a government program that doesn't help the people its supposed to protect? In talking with the Department of Financial Institutions, it seems our story could be a thousand others.

Thank you for your time in reviewing this letter and we look forward to hearing back from you soon. Again, if we lose our home, it will not only displace us but our elderly parents with health issues who are living on our property in their manufactured home under a hardship permit connected to our well and electricity. We have faithfully fulfilled all requirements from the bank for the Making Home Affordable Loan Modification implemented by the government only to be told we do not qualify due to a technicality (although we submitted the document downloaded from the bank's website with the bank info pre-printed), and now being told to resubmit the documents again in a revised version which prolongs the finalizing of the loan modification and continues to put us further in arrears. They have offered a loan modification program that is higher in interest than the program originally applied for in June of 2009 which results in a higher house payment that we cannot afford with an end result of losing the house.

I received a letter around June 10th stating that I was taken off the modification because I missed a payment for May. I contacted Chase to try to straighten this out at least four times in the past week. They said there is no one that can help me. There is no one I can complain to and that I would have to start the entire process over again. Meanwhile, the fees and interest of course will keep being tacked on.

No one at Chase will help me. I have tried to contact managers to which I am told they are always busy. I have left messages for managers which say they will get back to me within 1 to 2 business days and now it has been over a week. The representative I talked to last week (June 15th) said she could see the note where I was told I didn't have to make the payment. Then when I called today (June 22nd), the representative said he couldn't see anything saying that. I then asked for a letter to at least say that I have been trying to work with Chase to straighten out my mortgage. I was told that it would take 30 days after they receive my new paperwork. I was then told they couldn't do it at all.

First is the obvious that Chase has placed my family in an economic difficulty by taking funds not owed and stalling returning my money. Secondly, I have spent hours on the phone trying to talk to the "right" Chase representative to resolve my problem. On more than one occasion, I was promised expedited resolution and return of my money, but it hasn't happened. Yet, Chase has the gall on all correspondence from them to state "Chase's goal is to provide the highest level of quality service." Must be their attempt at humor.

No aid or help has been provided by Chase. No resolve on how I can just get the loan rewritten so I can continue to live here. I will go on SS in December, which is fixed income by the government and that will qualify as income as my unemployment doesn't. No one person at Chase has offered me a solution, and when I was employed no resolution then either. This is now almost one year that I have been trying to get someone at Chase to help me, and now I am 6 months behind in my mortgage. I need to resolve this before I lose my house. I can make lower payments. I just need the loan rewritten.

Also, upon researching information regarding my title, I discovered that my property taxes were paid last year by the First American Bank in Dallas, Texas whom I've never even heard of. One year Chase made us pay $1200 a month. We have also made lump sum payments of $4,000 and $8,000 on two separate occasions. At present, they say we still owe them $70K.

Original Review: June 21, 2010

Let me begin by saying we need help.

In April 2009 we applied for a re-modification program through Chase after my company gave me a 25% pay cut in November 2008 and my husband had no business (he is in residential construction) after December 2008. We tried everything to make our payments, even at the expense of defaulting on our credit card debt, but our mortgage was more important. We needed a house. In 2009 we lost $100,000 between my pay cut and my husband's loss of work which does not include 2007 and 2010 losses. Once we started the process in April 2009, I had to wait 90-days before they would acknowledge my request because they said it was their policy. Then after the 90-days I called them again and was told I was denied because they never received papers that I sent with the original request. We had to start all over. This happened for 12 months.

Then we had to go bankrupt but we kept the house in hopes of a re-modification. We needed to use one mortgage payment to pay for the bankruptcy fees and accountant and the second payment missed was because of my kid’s doctor's visits, prescriptions, food, electric and gas bills, day care costs for my husband's job search, which had not proven fruitful, among other costs while having only one income which was reduced 25%. Finally after calling HOPE in March 2010 because we were getting nowhere with Chase, we started a trial period where they lowered our payment $100-plus a month and told us that if we were approved the mortgage with be lowered either the $100 or more per month and the 2 months we were behind would get tacked onto the end of our mortgage. Ah, finally good news. So we thought.

We made all three payments on time per the requirements of the trial (April, May and June). After my last payment on June 1st we called Chase to find out we were denied. We asked them why and they said by law they didn't have to tell us. We asked why Chase didn't notify us, their reply was you should have received a letter but if not you probably won't. We received a letter but not the denial notice; instead it’s a letter stating they want to start foreclosure on us because of the two (2) missed payments, and since the three (3) month trial period (arranged by HOPE and Chase) where they dropped our rate $100+ a month one mortgage payment is sitting in a suspension account until we pay the difference including late fees and interest. So basically they want us to come up with about $6800 (2 months plus $400 to release the one mortgage payment) plus late fees and interest immediately plus my next mortgage payment which is due July 1, 2010.

How can they do this? I don't understand. They agree to lowering the monthly rate for the trial period and now they used it against us by saying our mortgage payment was short the full fee and must remain in a suspension account, which by the way doesn't gain interest for me, but they can charge me late fees and interest on the missed payment that is sitting in their suspension account. I purchased my house in August 2007; two months later my house lost almost $100k in value and the type of mortgage we did (100% financed with no documents on my husband) doesn't even exist anymore. There are blogs with the same thing happening to so many others out there. I don't want them to give me my house for free. All I am asking is to give me the approved interest rate (5.5%) at the time I purchased if I did the regular 30-year conventional mortgage (my credit score was 830 at the time) instead of the 7% interest rate and to put the two past due payments on the end of my mortgage. I can't understand why they won't help. It would cost them more if I foreclosed.

I also might add you never have one adviser. Instead, you are shuffled through many, creating mass confusion, and even the contact phone numbers are shuffled continuously. This must be investigated, as I am quite sure we are not the only ones going through this very unethical and downright evil charade. In fact, there are already web sites trying to organize themselves, all with the same complaints concerning Chase. It has been a living hell. They are going to auction our house . We put $20,000 down and all the improvements we have done are gone, completely lost. This is a deliberate con scheme.

I am completely dismayed by the lack of professionalism and customer service that you have not provided and how you create walls between your business and the clients you are paid to serve.

So he emailed a guarantee (I did not print it out) that if I don't get the loan, my $395 would be returned. Six pages later and a few faxes, and the loan never happened. I feel they just wanted to spy on my house if their loan was upside down or not! They had a phony low ball appraisal that was 20% less than real value, lost over $150,000 equity value. Now I have no leverage at all, and they hold all the cards.

This was in February, in Nebraska! He estimated the cost to be $250.00 for the entire job. I scraped and painted any loose paint and applied 2 coats of new paint. He then came back out and said he wanted 2 new coats of paint on all the facia and around the windows of my 2 story house. This paint was not chipping, it was just worn and faded. I could not do this work myself and was told this could be escrow-ed and done at a later time, after closing when the weather was better. I needed an estimate for the paint job, which I promptly supplied to Chase. I was told it had to go back to underwriters. Three weeks went by and I did not hear back from Chase after numerous emails and phone messages. I left. Finally, the week before my loan documents were set to expire, I received a message back on a Friday afternoon, that they would not escrow the paint job and I had to have it completed by Monday in order to have the appraiser give the final report.

I hired a painting crew and lift equipment over the weekend which cost $2,000.00 and got the job done. I was told on Monday that the appraiser was now out of town for the next 2 weeks and he is the only one who can do the final appraisal. I begged to have his partner, who routinely will give final reports on his behalf. But Chase would not approve this, even though she is an FHA approved appraiser. Basically, my loan documents all expire and I have to start over. This has been the most stressful 4 months of my life. I think Chase just wanted the application fee and never intended to follow through with the refinance. They were the worst at communicating. I would not recommend any sort of business with Chase Mortgage!

I called often and was told my application was being processed. By October, I finally gave up and decided to increase my payments instead. It should never have taken that long to approve the loan as I have excellent credit and have several other accounts with them that prove my credit history of paying on time. I felt as though I had been scammed and should have had my $750 returned.

Back in November 2009, they told me that I, Doris E., didn't live there. I said yes, I know that and the loan officer that was assigned to us for the loan also knew that I didn't live there and that's why they have a different address for me. I called them back around January 2010, they said send me a copy of the check that bears both our names, which I also sent a copy of that check back in April 2009. I asked my daughter to deal with them because she is the co-borrower. She sent letters explaining her problems and gave them again all her financial information for a 3rd time. Eventually they contacted me on 3/16/10. They said the loan was made to me, Doris E, and because I didn't live there; I was denied. I immediately said that can't be. She was a co-borrower as well as me, because we both took turns signing the loan papers, page by page on separate lines and consolidated her debt for pay off.

They again said that I was denied the modification loan because I, the mother, didn't live in the house at South 59th Street. I said, the loan specialist knew that I didn't live at the house. My daughter who was sitting right beside me, signing these papers, lives here at 19, and that I live in Brookhaven. They knew I lived in Brookhaven, PA because they said "where do you want the statement sent". I said send it to me at Bridgewater Road, Brookhaven, PA 19015 and that is the address that the statement comes to from the beginning.

Chase Mortgage's only objective was to get the loan. My daughter was a co-borrower and she should be able to get a loan modification for her hardship as well. Now that she is laid off, they do not want to help her. She is receiving unemployment and it is hard for her to make the payments. I copied all the loans paper that bears our names and they state: "Doris E. and Doris S. as borrowers". My daughter's name is throughout the loan papers. Then Paul, the Chase representative, said he doesn't see her signature on the paper work. I said, I don't see Chase's either.

I don't have a signed copy of the loan paper because the loan officer did the loan transaction at our house and didn't have a copier with him. $63,000 with a 10.875% interest rate, why won't you help her? That loan officer that came to our house knew that I didn't live there. She needs help, I need help or advice from someone who can help me get my daughter a lower interest rate. If she signed all those papers, she had to sign the check. Why can't she get modification just as well? This has caused me stress, anxiety, and financial burden of 10.875%. My daughter has been unemployed for a year and desperately needs this modification to this loan.

A few weeks later, we received a letter stating that we were in danger of defaulting on our Trial Plan payments. I called Chase and explained the situation to them. The representative told me that he would open an inquiry with the Cash Research Department to locate the lost payment. I assumed that it would not take long seeing as though our cashier’s checks were purchased at a Chase Bank branch. We received a call in late January from a negotiator by the name of Cynthia ** advising that she was trying to submit our file to the Underwriting Department, but that she couldn't because we had not made all of the required Trial Plan payments. I again explained to Ms. ** the situation. I advised her that a representative was to have opened an inquiry with the Cash Research Department to locate the payment that Chase lost. She then advised me that she showed no evidence, in her file, of an inquiry ever being opened for our loan. She assisted us in opening the inquiry. We submitted all pertinent information; 3 check stubs, copies of bank statements proving that the funds were withdrawn from our account, and a letter of explanation. She kept in close contact with us for approximately a month and a half.

The last time we spoke to Ms. ** was in mid March. She suggested that we submit a 4th payment in order to continue the modification process. We submitted the 4th payment on March 10th. After attempting to contact Ms. ** on March 18th, we were advised that our 4th payment was being returned to us because they stated that we had defaulted on our agreement. I tried to contact Ms. ** 4 more times via voicemail and by having other representatives send her emails, but never heard back from her. I called twice a week after this was told that I had not given them enough time for resolution. I called on April 2nd and was told again that they hadn't had enough time. I submitted a letter via certified mail on April 5th asking that someone contact us regarding our loan. The letter was signed for by R. ** at 11:38 am on 4-5-10. I did not hear from anyone. I submitted a second packet on 6-1-10, including everything that I had faxed to Chase, documents that they sent to me, certified check stubs, bank statements and tracking slips from FedEx and USPS certified mail showing that we have made great effort in trying to prove that we did not default on our Trial Plan. The packet was received in Chase's office on 6-3-10.

I received a call today, 6-8-10, from a representative by the name of Victoria stating that our file was reviewed and closed as of 6-3-10, the same day that they received my packet. She also stated that her supervisor, Marlin, reviewed the notes and could offer us no help. I asked to speak to Marlin 3 times and was told by Victoria that I could not speak to him. She told me, "You should have stayed on top of the situation." I have been dealing with this situation since Oct. 2009. I have all documents to prove the same. If all of the documents that I submitted were properly reviewed, there is no way that they should have closed our file. I have copies of all check stubs, bank statements, documents, faxes, and names of representatives that I spoke to. Chase is showing no effort to locate the payment that was lost in their office. We hadn't planned on being in this situation, but had no choice once my husband’s hours were reduced. We have four young children ages 7, 6, 5, and 3 and are trying to keep our home. Please help us!

She was short and didn't seem to care on the phone. I knew her words of encouragement were fake especially the second time I spoke to her, she didn't seem very happy, and that's too bad. With such a powerful position in making a difference in people’s lives, she should be happy to have a job in such rough economic times. I need some help. I have never been late on any payment and have banked with them for years. My 5 years interest will expire in 2 months and some things need to be done. We have gone through 3 appraisals. Please help. Thank you.

Until earlier this week, we had an offer on the house, but Chase closed the file due to lack of sufficient documentation on our part, or so the letter said that we got in the mail Wednesday, but we have given them every bit of paperwork they have requested no less than three times! When our real estate agent finally talked with the person at Chase who has been working on our file, they told our agent they had closed our file due to "government policy". Chase's incompetence is having a huge domino effect on many lives! My husband and I can't buy a house until we are out from under this one, the value of the houses around ours in Fayetteville is rapidly decreasing, and the people who want our house are putting their lives on hold and everyone is waiting on Chase. Certainly Chase can't WANT to hold onto this house, can they? They aren't receiving some kind of bailout money from the government on houses they can't sell, are they?

We have been doing everything Chase asks us to do over the last year and a half and now they don't have the decency to even return our phone calls. They have completely failed to work with us on such an important issue! No one will talk to us and give us a straight answer, and we desperately need your help. It's not just my family that is dealing with this; thousands of other families are going through the exact same thing. None of us know what to do. Please help my family see the light at the end of the tunnel. Because of Chase's incompetence and lack of help in moving the short sale of our house forward, my husband and I are unable to purchase a house, the value of the houses around the house that we are trying to sell has diminished and that affects the entire community, if not more. This issue has caused us much distress and anguish, not to mention stress that could have been avoided if our case worker had moved forward with getting the first deal closed, months ago.

All I wanted was an explanation in regards to why my account appeared 4 months behind when indeed I have been making payments. His only response was, "Well, you are just behind.” He proceeded to tell me he could not look at my information and that customer care had to. However, I informed him I was just transferred by them. I began to get impatient by his attitude and lack of respect while talking to me. He even sighed as I told him my frustrations. I asked for his supervisor’s phone number. He mentioned he would place me on hold. I knew then he was going to hang up on me. After being on hold for a few minutes, that is indeed what he did. He hung up on me. I cried. I felt very belittled. My mortgage confusion was not resolved. My blood pressure was high all day and my trust with Chase is broken.

That was in February 2010 and since then, I have paid on time, more than the minimum. On June 3, I got a call from Chase stating that I was one month behind on my payment and after an hour on the phone and more research, another apology.

Today, June 7, Chase called once again stating that I was one month behind on my mortgage. I am at the end of my rope with these clowns and don't know where to turn. They've hurt my credit score, corrected it and are threatening to do it once more!

We originally wanted to do a loan modification but that was not possible as I was self-employed and business was not making any money due to the recession. I have been searching for an outside job for almost 2 years to no avail, but was finally employed as of last week. Because we weren't "qualified" to modify our loan, we tried very hard to sell the property as a short sale working with 2 different brokers over several months and as a result got 5 offers to the bank. We then had to work very hard with your short sale department to get one accepted. You did not agree to the escrow terms and enforced your own deadlines. The buyer completely balked at that which rendered us useless and helpless to get anything done.

I have spent over 100 hours on the phone with 25 different agents, supervisors and managers (names and dates listed below) even an attorney. I have sent dozens of emails. I feel I've been misinformed, misguided and bounced around from department to department and person to person and it has been a completely frustrating and unnerving experience. I'm a responsible homeowner who has had excellent credit up until now. Please check our records and credit report. Yet, I have been treated like an irresponsible, negligent person despite how hard and earnestly I have tried to work with you to limit both your and my losses and to resolve this to both our advantages.

As a last ditch effort, I offered to pay to get our account back in good standing and to stop the foreclosure. But no one is working to keep yet another property from becoming an REO. Their employees do not disclose last names or phone extensions so all I have is first names. There have been many others and the bank's call center records will most certainly bear that out.

Mr. Jason ** indicated that he was with the "special services division" and could work out a "Stip to sale" (stipulated payment to sale) payment plan. I wanted this as a fail safe--the buyer is taking a long time to close escrow. He promised to get back to me with the approval of the payment we negotiated. Of course, he did not give me his phone number and I could not reach him directly but had to request a call center agent to send him an email requesting to call me. I had many emails sent to him and he did not respond to anyone of those requests over several days. All this time, the negotiations were stopped, waiting for his approval.

Then, on labor day weekend, he reverted the case back to the general call center staff with no explanation or cause. That leaves me 24 hours to resolve this with the call center's agents. Your agents have not even found the paperwork I have faxed in 3 different times. Finally, bank agents are now refusing to take payments of any kind on this account to stop the foreclosure sale tomorrow.

I have been working harder than the bank to save the bank money and to stem their losses, I need answers now. I feel terrible that we haven't been able to pay this mortgage. I'm doing everything in my powers to stem the losses, but have only run into obstacles and sometimes extremely rude agents. This is a terrible example of a company who doesn't all seem to care about its customers, especially during a time of hardship for many people, including us.

Will someone please contact me who can stop this and who will work with me? I will continue to contact the company at whatever levels necessary to let everyone there know what is happening to earnest customers who are doing their best to comply with all demands despite how they are being treated.

Today 6/2/2010 I contacted Chase again to check status of the documents received. I am now being told that I was denied (no reason). I am very displeased with Chase having all my personal documents (medical info. tax statements, Divorce Decree, financial Statements proving my Hardship. I have depleted all my resources during the last 8 months of the review process. I am currently going on 2 months of nonpayment of mortgage. My disability/retirement income does not meet my monthly payments nor does it provide the basic needs for my family of 7. Due to supporting documents I have provided Chase of my serious medical problem. I am seeking to file a class action suit for denial of the MHA program due to my permanent medical Hardship and loss of my Federal job due to my medical disability. Loss of my family’s home and all invested into it since date of purchase. Being denied MHA due to Hardship, based on current medical and loss of employment income and mental/emotional and physical stress Chase put me and my family through.

We submitted the paperwork and about 4 months later we were denied. Chase stated we didn't qualify for the Obama plan and we didn't qualify for Chase's modification because of our debt ratio - well imagine that? We then requested that 1) Chase lower our interest rate to the current rate; 2) add the past-due mortgage payments (several months of arrears in the thousands of dollars range) to the end of our mortgage and we would start making the payments; or 3) set up a repayment plan for the arrears. Chase's response - NO to all options. They would not do any of those options.

Now left with little options and are house set for Trustee's Sale in January 2010 we submitted our paperwork for a short sale along with the Listing Contract from our Realtor. The Trustee's Sale was postponed. 3 days after our house was on the market we received an offer. Escrow was opened in April so that the buyer could take advantage of the tax credit. Chase sent out their representative to conduct an Independent Broker Analysis. Chase countered on the offer submitted by the buyer, the buyer accepted the counter-offer and the Addendum to the Real Estate Contract was signed by Buyer and Sellers and escrow was set to close by 6/28/10 so the buyer could receive her tax credit. Chase then said they needed additional documents from me (Seller) because it thinks my business is making money and I'm hiding that.

I submit all the documents requested by Chase that show my business lost more than $30,000 in 2009. Now, today Chase advised me that they are declining the short sale because the buyer did not meet the minimum price set by the investor and because I'm not contributing any money towards closing costs - all this after Chase countered on the sale price! My options? Well our house is set to foreclose on 5/7/10 even though I have not received any written communication from Chase confirming same. Chase set me up to fail; now they are taking my home! I'm in this position because Chase told me to quit making my house payment! I would like any information available on a class action lawsuit. My house is going into foreclosure.

When I was getting closer to the closing date, processor disappeared from the company, endless calls and transferred to voice mails, no one returned my calls. Finally, after calling all day long, I found out my loan was denied just because the underwriter didn't like the comparatives used in the appraisal that was done by a certified FHA appraiser. So basically they couldn't find any other reason to deny the loan as I met all the requirements. Value of the house dropped from first appraisal to second in $10,000 but still they didn't want to take into consideration this. It is like they knew in the first place I was not going to get the loan, but they took my money. They don't want to give me anything back because they always have the right for denial. It was my worst experience with a bank. I was mentally exhausted for 3 months and they made me spend $750 that I can't get it back. Worst customer service. Unbelievable that one has to spend his money to get that poor service, if any.

After another 2 months we were told it was being moved to quality control and that we had to submit W-2s and bank statements again. It's now January and we are told it would be another 45-60 days. After 60 days we had to submit W-2s and bank statements again! Finally after 10 months we were told it would be completed in another 30 days. However, before that 30 days was up we received a letter stating they did not have all our paperwork and that we needed to submit new W-2s, bank statements, and Chase refinance paperwork. We received that letter on a Thursday and submitted the requested information on Monday. However, on Tuesday we were told the loan was closed and denied. It was denied because we had gone two months past due back in December and they just realized our loan refinance was in the wrong department and that we had to start process all over again. We are completely frustrated and hate Chase!

When we started the loan modification we were current on our mortgage; however, the reason we needed a modification was because our loan was too much. Now 11 months later we are 2 months behind, but making payments and are completely stressed out over this entire process. Mentally, we are worn out with this entire process.

We sent the trial modification agreement letter in June along with our July payment. Chase did not ask us to cure the delinquency (we have the letter proving this). The 3 months became 8 months in which we sent our payments before the 1st of every month until on 2/2010 Chase sent us a letter stating that they denied our application because of the ceiling that the HAMP stipulates for single unit home of $740,000. They have us a choice to re-applies which we did and at this time use a non-profit government funded company to help us negotiate. We made another 2 payments and then suddenly on May 14, we received the letter that Chase will do a trustee sale on 6/11/10. We called our negotiator who did not know about this. She called Chase and the representative told her that they denied our application because they could not verify our income. The rep. advised us to re-apply again for another loan modification.

On 5/15, we called the bank (on our desperation) and asked them if they can reinstate our loan. They agreed but they ask us to pay arrears of $44,000 immediately. We told them that we could not do it because we don't have that amount of money. They gave us other option of 6 month and 12 months but again $13,000+/mo or 8200+/mo plus a down payment of 7,500 to be paid on 5/21/10. We told them that we could not pay that kind of amount. They told us that there is no other option but to foreclose on us. What we don't understand is why they string us for more than a year on loan modification for which at the end, they will still foreclose our home. They reasons for denial is absurd because before they even entertain us for loan modification they have the information about our income.

We also don't understand their logic on foreclosing on us when they will probably end up selling the house at the current market value ( which is about $300,000 underwater) and will have the new owner making probably a payment of lower than our trial payment. But then again, if they foreclosed on us, they will probably sell the house at a very low price to their investors and will tell the government that they have a loss from the foreclosure so that in their tax return they could put is at loss. We know that Chase have a very convoluted business practice and that us mere people have no idea if this is still legal as the government is not doing anything to stop the big crooks like Chase.

I reminded her that it was Sunday and that not only was the branch not open, but it was also against FDCPA for her to be calling me on Sunday. She apologized and asked me to go into the branch the next day, which I did. At the branch, things only got worse. I asked to get on the automatic payment system once again, which they did. At that time, they would not let me leave until I agreed to talk to their sales folks about moving all of my accounts to Chase. I advised them no, that I am fine at my Credit Union. They also asked me why my 1st mortgage was not with Chase, I advised them of my situation and that was with WAMU for the 2nd. I thought all was done until I received a call from their mortgage loan officer a few days later. I tried to tell her I was not interested, but she insisted that I told another sales person to have her call me. She said that she wouldn't recommend a refinance because I had such a good deal on my 1st mortgage (just like I told the person at the branch) and that my credit was excellent. I asked her who authorized her to run my credit, and then she hung up. I checked my credit later to see that chase ran it 3 times in 2 days, effectively lowering my score.

On Jan. 4, 2010, I was told that it was still under review and that I should call later for specific details because underwriting has a large call volume right now. On Jan. 11, 2010, I called Chase and waited on hold for 50 minutes. I spoke with Roshauna who said they never received the file from Shendya, who was supposed to send it back to underwriting after discovering the error in the housing debt ratio calculation. I asked to speak with a manager. She said I should just dispute the matter and send in updated documents. I asked to speak with Shendya and she said "I can't transfer you to her. She's in the call queue. I don't even know if shes here today". She transferred me to Jason **, Shendya's supervisor. I left a message for him, but never got a response. I called on Jan. 19, 2010 and was told that I was declined in November and no one has the file. I was transferred to Larry in Imminent Default Dept., who told me that the file hasn't been opened up yet for review. He said he would email Jason ** to have them review my file. I was told to call back in 5 days.

On Feb. 2, 2010, I spoke with Estrella who said that the notes from management said that they haven't opened the file yet to review the debt to income calculation that was in error. She did a re-calculation over the phone with me and determined that our housing debt ratio was within the Obama's Guidelines for qualifying for a loan modification with Chase. She said she would send an email to management spelling out the numbers on the recalculated ratio and the "please call me". She said that hopefully, someone will call me with details or call back in 7 days. She asked me to submit current financial info. I faxed completed package #2 on Feb. 9, 2010. On Feb. 11, 2010, I called and verified that Chase had received the updated docs and were reviewing the loan mod application. I was told to call back weekly for status.

On Feb. 17, 2010, I called and was told that all paperwork was in now. She said we're still doing it, wait and see. I told her that the Feb mortgage was short due to our financial hardship. She noted on the file that we need a decision on the mod due to our short-pay. She said to call loss mitigation if we can't make the full Feb payment by March 1. On Feb. 24, 2010, I spoke with Sue and was told that they received all our docs on March 10 and that it is still under review. She said that they understand were having a financial hardship and to call collections to arrange a payment plan until a decision is made on the loan mod. I was transferred in order to do this and received this message, "We're sorry we cannot continue processing your call. Please hang up". I called the number myself and received the message that the offices were closed. They were supposed to open at 8:00 EST, it was 6:19 PST.

On March 3, 2010, I spoke with Richard who told me that he can see the emails between the negotiators and the specialists and that they are working on my file. He transferred me to Jill in loss mitigation for more info. She transferred me to Imminent Default and I received the message "we cannot continue processing your call, please hang up". On March 17, 2010, I spoke with Johnny who said it was still under review with underwriting and that he will get a specialist on the line since it's been quite some time. I then spoke with Janine who said it was still under review and that additional docs were needed. I received a letter from Chase dated March 12, 2010 requesting these docs. On March 19, 2010, I faxed all these new docs. On March 22, 2010, I called to verify that they were received and was told to call back in a week or so for status.

On April 1, 2010, I spoke with Johnny who said that it has been under review for well over the expected time and that he would get a specialist on the line. Kim in Imminent Default said it is with the processing dept and they are actively working on the application. A rep will call if they need any additional info and that I should have a decision in 30-60 days. On April 28, 2010, I spoke with Keisha who said the application is still pending and that we'll be notified by mail when there is a decision. On May 11, 2010, I spoke with Chantall who said that the application was incomplete so the modification was declined. She transferred me to Shannon **, relationship manager, and I left a message for her.

In May 18, 2010, I spoke with Paul who said to send the whole loan mod package in one more time. I need to start all over because we were declined and they can no longer access my docs. He gave me the direct phone numbers for Shannon ** and her manager, James **. I left messages for both. I asked him about the options for forbearance and repayment plans while were going through the loan mod process for a 3rd time. He said he would take an application for forbearance over the phone then said he didn't have access. He transferred me to someone who could, but I was disconnected.

Chase went ahead and bought Washington Mutual back in 2007. I think they now own our mortgage. When the Obama plan went into effect March of 2009, I was one of the first to jump on board with this. I contacted Chase and they gave me instructions on how to apply. I followed each and every one of their request to the 't'. The process dragged on for more than nine months. In that nine-month period, I spoke to many people. Each of them tossing me to another. None of them quite sure what was going on. One person even told me that since the Obama plan went into action, the place has been chaotic and nobody really knows what they are suppose to be doing. Well that's reassuring. I was told several times they did not have all my information when I faxed in the original information March of 2009.

Chase sent me a letter again saying I had missing information on July 2009. Again, I complied and faxed them copies. I was calling every Friday to find out my status and it was always the same thing. I would get transferred to someone else and that person was clueless as to what was going on. On September 25, 2009, I was told we were eligible and to look out for a packet from FedEx which will be the new mortgage. I waited and waited and received nothing. When I contacted them in October, I was told it was denied because we make too much money. We are self employed and started a new business in 2006. Last year, our income was $14,218. We carry two mortgages that we pay a total of $2,600-$2,800 per month. We cannot afford this.

I have told Chase this many times in hopes that they will modify our mortgage to make our payments manageable. We have had to borrow to pay our mortgage and right now we are two months behind. I cannot borrow anymore money. I called Chase once again and they told me to start the process of a modification again. The person I spoke to said the reason the last modification didn't happen was because they were missing paperwork. Now earlier, as I mentioned, I faxed paperwork into them on three separate occasions, being the original paperwork that was all there to begin with. So now I applied for a new modification. I faxed all the required documents to them on April 21, 2010 consisting of 95 pages.

Again, I waited while being overly stressed as to where am I going to get the money to pay this absorbent payment. On May 10, 2010, Chase sends me a letter saying they are missing documents again. Again, I complied and faxed them 34 pages today of the alleged missing documents. I would like my mortgage to be modified so I can get back to paying on time and feel good about it. The stress this has brought into my life is beyond tremendous. It often does not let me sleep at night. I don't think anyone should have to live like this. Chase even sent someone to my home because I am late paying my mortgage.

Before all this, my payment practices were impeccable. I paid all my bills early or on time for many years. Since the economy and drop in our business, it has been a tremendous struggle. Chase Mortgage has been a huge contributor to my stress. Please, can we do something about this to get mortgages modified and so that other people do not have to endure what I have had to endure the last year and a half?

So here begins the nightmare. I was told it would take three months to review and complete my file. They were going to set me up on a MHA payment plan while my paperwork was being reviewed. I did in fact get the payment plan set up and was requested to pay $859 every month. I was told to send in the first payment to get it started. I sent the payment out when they asked and even got a return receipt which showed they received it on time. After about the 3rd or 4th payment, and many calls to check on my modification and the progress, they told me my file had been denied due to late payment. During none of my calls with them did they ever state they didn't get the payment on time or that my mod had been in jeopardy. Well needless to say, I was highly upset as I made it a priority to send all payments out so they would receive them on time. I have proof for all payments were received on time.

For the next eight months, I remained on this payment plan and had made several calls in attempt to find out what was going on with my loan. I never got the same answer, I spoke to numerous people, and continued to be told that it would take time please be patient. I did get the matter of my file the first time of being denied straightened out. I told them I had proof that they did receive it and they better fix the problem in their system. I went as high up as they would let me go manager wise. Towards the end of the 8th month, it was harder to get an answer and talk to anyone. I kept being transferred and was told at each department that the information was different. They stated maybe because it hasn't been entered yet.

I then got a letter in the mail, no calls at all, that my application had been denied. I called Chase to find out what was going on since I had just spoken to someone two days prior to receiving the letter and was not told I was denied. They told me I was denied due to my finances. I stated them my husband had just found employment and that changes my finances for the better. Chase stated it was too late. My file is closed and locked so no changes or reapplying can be done. Chase gave me two options, short sell or come up with over $20,000.

I am still fighting Chase and have now gotten an attorney to try to help. They had strung me along for so long that I am now in such debt I can't seem to catch up. Now my attorney is having a very hard time getting Chase to cooperate. We are trying to go through NACA. Seriously, does Obama even know or care that the bailout has helped Chase continue to rake in money, but have decided to leave homeowners stranded even in their efforts and proof that they are trying to save their house? Chase looks at us as a little man on a big man's totem pole. They will continue as long as they think they can to get away with it. I have children and am fighting to save my house so they have a stable place to live. Chase just doesn't care.

This continued until February 2010 when a customer service representative by the name of ** finally explained that Chase purchased a new billing system in July of 2009 and the company no longer accepted bi-weekly payments. This information was never communicated to me by any of the previous customer service representatives, nor had it been sent in any correspondence.

Additionally, he stated that any payment received more than 2 weeks prior to the due date would automatically post to principal. I changed my automatic payments to post only a few days prior to the due date for the full amount. I assumed this would be the end of my issues. However, I received notification shortly thereafter, that there was a shortage in my escrow. I called customer service once again and was told that I could make a payment in full to cover the escrow shortage and as long as the escrow payment was received by May 28 and my new payment would be $1,937. Or I could elect to pay an even higher payment and not pay the escrow shortage. This option was also detailed in a mailed statement dated 25 February 2010. I opted to pay the escrow shortage and take the lower of the two payments.

I continued to send my monthly payments for March, April, and May. I received notification in late April that I was two months behind on my mortgage payment. When I called customer service, it was explained to me that my payments were not for the full amount due and therefore posted to principal. Needless to say, I was quite frustrated!

After many minutes on the phone the customer service representative stated she would credit my April payment but that I still owed part of my escrow and a May payment. From my records, I paid the escrow shortage on 5 May 2010 and my next payment is due on 1 June 2010 in the amount of $1,937.03. I received one phone message from ** in the Executive Finance Office stating that my account had been corrected and my complaint resolved satisfactorily and if I had any other issues to call her.

To date, I've left two messages without a returned call. The mortgage department still shows my mortgage payment to be $2,030.96. When they received the payment for the true amount due ($1,937.03) on 1 June 2010, I am sure it will be improperly posted to principal and this fiasco will continue.

So I started the first leg of the work only to find out the fax number to send the information to Trustee Corp was incorrect and Ernest * was never ever able to be contacted again. Meanwhile, all this is happening I get a call three times a day from Chase telling me my account is past due and what are my intentions for the property. Every time I talk to them, I have to tell them to look at my file so they can see that I have talked to them everyday. And don't they ever take down the notes I give them that I am already working with their collections agency about my account?

So after some additional digging I was able to find the email name of a Michael * at TrusteeCorps.com and forward the information to him explaining my issue. I also asked for some guidance of the question of "senior liens" since the term was not familiar with me and he said he could not help me and maybe Chase could help me. It seemed kind of odd since they were the ones asking for the information. I then called Matt at the Chase Foreclosure office on Apr 5 to ask about the "senior liens" information and he asked did I have additional liens against the property which I answered no! He said, "You don't have any then." So I asked what proof do I need to approve and he said none. What a waste of time trying to find something in my case that didn't even exit.

The last item I was requested to present to Trustee Corps was my proof of current property taxes. Since my property taxes are paid via an inpound account, I did not understand why I had to pay my taxes since they are part of my monthly payment but since this is the requirement, I paid them anyway. When I talked to Matt at Chase in the Foreclose dept, he said I should not have paid any property taxes and he did not understand why Trustee Corps would have asked for that payment. So I essentially paid a tax bill that did not have to be paid that I now have a credit for, that I will not be able to get a refund for, that essentially could have been another payment.

So I mailed my cashiers check and requested proof of payment and was told by Trustee Corps that I would not be getting any kind of acknowledgement of receipt from them that I paid! All I have is the Fed-Ex receipt and the Cashiers receipt from the bank. Sure enough two weeks later I get a call from Chase asking me what are my intentions for the property? I ask them do you mean besides the $15,000.00 that I just payed you on April 12,2010? They state they never received any money from the collection agency they sent after me and that I need to call them. So in my calmest voice I ask them, are you asking me to call the company to sent after me to find out where your money is? I think it's kind of ridiculous that I should have to hunt down a payment to a company you sent after me? The customer service woman on the phone is annoyed and hangs up on me.

It takes me 3 days of phone calls to Trustee Corps to realize they are not going to call me back before I find another email address and ask them what the problem is about notifying Chase about the money I gave them regarding my account. 4 days later it appears in my account.I think everything is ok. It's May 7th. I get a call from a woman who can barely speak English telling me my account is delinquent on the 15th. I tell her that I made my payment online on the 7th and give her a transaction number. She says she can't do anything about it and do I want to make another payment so I am not late by the 16th and incur a late fee? I have 7 more days until the payment is late, what's wrong with this picture.

Chase would of rather me lose my house than help me in any way, shape or form. I have talked to several people, and I don't know anybody that has been helped by the supposed "bailout" besides the banks themselves! They should all spend sleepless nights. I am a single woman trying to live the American dream like everyone else. I work 2 jobs and live is a modest home on a modest income. My downfall started when I had to bury my mother and my grandmother a month a part and have had health issues ever since. I am on antidepressants. This is one of the most stressful things next to losing my love ones I hope I never have to go thru again. The banks are the biggest scam artist in the world. They are living the American dream filled with greed and excess while the rest of us are just getting by.

Chase keeps telling me that if I send in one more document, I will get the permanent loan. I keep sending in the documents in good faith and they, the lender, are not acting in earnest or good faith because they are now precisely nine months behind on providing me an answer one way or the other if I am accepted or denied to the permanent loan. They fail to communicate this at all and provided no explanation. They continue every 2-3 months to send me a Request for 4506-T Form, for which I have signed, faxed back and even fed-ex back to them in May 2009, August 2009, December 2009, January 2010, March 2010 and May 2010! Why is Chase sending this request out, almost at random?

I have met all of the qualifications for loan modification through HAMP. I am the owner-occupant of my home, the mortgage balance is below the limit, my original monthly mortgage exceed thirty-one percent of my income, I am not in foreclosure, I paid on-time and the correct amount through my Trial Programs, I had good credit prior to Analyst Paul directing me to skip a mortgage payment to qualify for trial, I live in a stable community, I have certainly demonstrated financial hardship, and I have met the obligations of the trial periods.

At this time, there is no need for further delay in this process. I need final approval of permanent loan modification to continue to provide a home for myself and my two young daughters. I know they are aware of the precarious position in which I find myself. Since the beginning of 2009, I have lost my employment and my marriage, and are now raising two young daughters (three and seven years old) alone when my husband moved to Maryland.

In summary, I have submitted requested documentation numerous times only to be told that I need to submit the same things yet again and again every three months in order to be considered for a permanent loan modification. Putting all of that aside, on May 7th and May 11th, I submitted all of the requested documentation again through my attorney. I enclosed the two main things that Ms. Melissa ** in Executive Resolutions repeatedly stated was needed for me to finally receive my Permanent Loan Modification: A quit claim deed from my former spouse, which has been signed by him and recorded in the Clerk's Office of the Clerk of the Circuit Court of Henrico County, Virginia, and the Child Support Consent Order, as she requested must be signed by a judge awarding me permanent child support in the amount of $2,000.00 per month.

To make matters worse, after I produced this document, the Analyst Brooke stated that Child Support was not valid income for Permanent Loan Modification. As a single mom with a child under school age, I definitely feel discriminated by her statements. I understand that according to SD 09-07, it must be considered as valid documentation of income. "Alimony, Separation Maintenance, and Child Support Income. Borrowers are not required to use alimony, separation maintenance or child support income to qualify for HAMP. However, if the borrower chooses to provide this income, it should be documented with copies of the divorce decree, separation agreement or other legal written agreement filed with a court, or a court decree that provides for the payment of alimony or child support and states the amount of the award and the period of time over which it will be received, and evidence of receipt of payment, such as copies of the two most recent bank statements showing deposit amounts."

Please understand that in essence, my life choices for the last fourteen months have been predicated on Chase's finalization of the permanent loan. I could have made the choice to sell my home on my own if last spring Chase had not sold me that through my hardship; I had a better option! Each phone interaction, Chase provided assistance on what to do next to lead me down the continued path of staying put with the belief the permanent Loan Modification would finally be coming based on the public-facing HAMP guidelines. They applied a NPV formula to each property to determine the investor benefit of whether it is in their best interest to foreclosure or to provide a client with a Loan Modification. I was told, in writing and verbally, to have Mr ** sign off on a quit claim deed and for me to also verify my income so to finally move into permanent status after one year of waiting. So, I spent nearly the last of my savings battling it out with Mr ** as so he would quit off the Deed, per Chase instructions on the permanency of the Loan Modification. Everything I do is towards this end.

They have been sent the following documentation: (1) Signed authorization for Chase to discuss this matter with me. (2) Multiple copies of the previously submitted Borrower's Assistance Form and supporting documentation. (3) Copy of the recorded quit claim deed, along with the recording receipt from Henrico County. (4) Copy of the Consent Order entered by the Juvenile and Domestic Relations General District Court for Henrico County, Virginia establishing the child support obligation (5) Copy of determination of my eligibility for unemployment benefits from the Virginia Employment Commission, showing monthly unemployment income of $1,746.00 through February, 2011, if needed. (6) Copies of tax returns for 2008 and 2009. (7) Copy of original Trial Plan agreements. (8) Copy of Virginia Unemployment Commission documentation on my unemployment income award letter, number of months available to me (over nine months). (9) Copies of cashed child support checks. (10) Bank Statements. (11) Utility bill.

Supplemental Directive 10-02 to HAMP requires lenders to respond to borrowers' applications for loan modifications under the terms of the program in a timely manner. I have now been attempting to complete this process for over one year and I have now obtained the last requested documentation. It is imperative that my final application be promptly processed and forwarded to Fannie ** for final approval.

I am in exactly the situation of borrowers the HAMP program is intended to assist and I am unable to keep my home without the loan modification for which I had applied. Please feel free to contact me directly. I will look forward to their urgent and prompt attention on this matter.

We applied in October 2009 for a loan modification with Chase, went through a long process and were denied at the end of December 2009. The process was very contorted and disturbing as to the chaos and misinformation within Chase and so we filed a complaint with the OCC. Chase promptly took up our cause about February 2010 in response and indicated that this time, we would qualify--they would find a way.

We resubmitted our documents (takes many hours of work) and responded to their every request for information along the way, consistently leading us to believe that we would get a loan modification. Today, we were again denied based on "insufficient income." Now, since we applied for the loan modification based on the fact that we had insufficient income to make our current higher loan payment, how can "insufficient income" be used as the excuse for denial? That means we qualify to keep our current higher payment and potentially fall into foreclosure, but we don't qualify to pay a lower payment. The ridiculous nature of that logic is amazing to us as homeowners.

Now, if Chase would cooperate in helping us determine what income level would qualify, it might be possible to accomplish that. I am self employed and income fluctuates all over the map from month to month so I can claim just about anything as an estimate. They refuse to offer any advice on the matter. As it is, no information is available. They obviously have no intention of helping us accomplish acceptance of the loan modification. It is purely a game to them in which we have to guess at it and not knowing where the target is at.

I was just told that if I wait 30 days, I can re-apply. Initially, they denied it based on the fact that we had made our recent payments. It did not seem to be falling into arrears further and should stay with our current loan. As a business man, I could see the pattern of income dropping further six months ago and tried to apply for a loan modification before we fell behind. Then, when we did fall behind, we qualified to do the paper work, but the run around has been incredible. The left hand does not know the right hand within Chase Bank and we filed the previous complaint after the first denial.

I have probably 100 hours invested in this process since October 2009 and nothing to show for it after this second denial. We have not fallen further behind than two month payments, but that appears imminent given the continued reduction in income and having expended most of our savings. Had we been granted a loan modification with $1,000/mo reduction a few months ago, we could be in a position of having a full payment saved up in that period to get us through the current business slump.

Denying us based on "insufficient income"--why do they think we applied for a loan modification? This is absurd! Given the lack of cooperation, the obvious internal lack of information between departments, the willingness to drag things on for months without information, the willingness to mislead into believing we would qualify--it all smells of scam. If they were helpful and truly tried and we somehow failed in our duty, that I can understand.

At this point, Chase is a part of the big problem with the banking industry in this country. We have a 25-year credit history that has been sterling with this one exception, but we get treated as if we were novices. The fact that we have paid $4,000 range of mortgage for the last eight years seems to hold no weight in qualifying us for a lesser mortgage. We may soon be victims of yet another banking problem in a foreclosure. We have tried to sell for 24 months--just no buyers.

We have not even had a looker in fur months--it is just that dry. We tried to get out before the troubles mounted, but could not get it to move and we have consistently offered it below market based on comps. Seeing the problem potential, we pursued the loan modification route, but Chase has no interest in helping us accomplish that. Perhaps they would like us to foreclose and take our property--it sure seems like it as they don't seem to have any interest in helping us stay here.

Yesterday, the day before we get word of denial, they are still sending out a letter that states they would like to help us, are concerned that we would possibly lose our home, to explain our financial hardship, submit documentation of income, etc. as if they want to help. We get this letter almost weekly and it is in direct contradiction to the reality of how they have treated us. Sure, they took in the information, but beyond that--nothing useful. I have complained by phone to many people at Chase. It is insane!

I filed a complaint with OCC back in February 2010. I intend to file another related to this ongoing problem. We realized that they have a right to deny out loan modification but they should have been able to do that with some quick data entry and determine that we don't fit their "program rules," then if we adjust to fit the rules, then improve our chances. But nothing like that is available--just submit and wait for months on the premise that they told us we would be granted a loan modification--and that it just takes time. There is a lot more to this story but keeping it reasonable in length is better.

I decided to call Chase again and have it looked into more. The first two people could not give me any answers. Finally, I got someone in the same department who looked much further back and realized that five years ago, my payment should have been raised $40 due to an escrow change. Chase never raised my payment nor contacted us to let us know of this change. Therefore, our escrow account got in the negative and stayed there for five years. Each time they made a payment to escrow, it went further into the negative. I cannot figure out why for five years, nobody in their company caught this.

Now, we have to make up the difference of about $6,000.00 which is totally upsetting to me when it was all their fault! I have been trying to contact someone higher up from Chase with my complaint. A lady finally called back about a month ago and left me her number to call. I called and she has never returned my call. My husband has been trying to contact her and leaving messages for weeks but she still has not responded. Yesterday, he talked to someone else and they said that they would have her call by the end of the day and still no response. Very frustrating! This $274 per month is a lot of extra money to be throwing into this when we have other bills to pay!

We have had two appraisals and we had done this process as the bank requested. All the delays have been on the part of the bank. When I call or email them, I don't get calls back or answers. I never get any reports on what is going on. If I have a question, I have to wait until someone finally calls me. Tammy did not call me from December 2009 until April 26, 2010. We were supposed to finally close on April 23, 2010 until I was to sign the papers that were all wrong.

The monthly rate was $1,350 instead of $1,026 and they put an impound charge of $1,950, which was the house insurance. I have told them in writing and through phone conversations not to include any insurance. Now, it has to be changed again because of the processors' errors of including the insurance. The loan has to be re-approved for the third time. We had to have a third appraisal and I have to send all the paper work again. I am tired of doing the same thing all over again.

I talked to the supervisor who happens to be Andrew, the first loan processor on the very first refinance, and he does nothing to correct nor hurry this process along. He does not answer emails or return calls. When he did finally email, he said that the loan is funding. I would just like to have this refinance as it was approved. I have all the written emails that said it was approved and the terms. I would like it to be done by May 24, 2010.

I have been a customer of Chase Bank for over 30 years and I am being ignored. If a bank approves your loan, should it stand the way it is? Why do we have to restart the refinance for the third time? That means it is going to take another three or more months. It has already going to be a year. Please help!

Late fees are not assessed until the 17th of every month. Chase Mortgage whose customer service is in the Philippines will start calling on the 8th of every month harassing about when they can expect payment. They call every hour on the hour at our home and at work insisting our payment is late. They are rude and will not transfer to a supervisor until you get very nasty with them. I am sure this is happening to everyone who has a mortgage with Chase. They are downright rude. I called them today 5-10-10 and finally got through to a supervisor (Victor). He told me I could send them a letter to get me on their "do not call list".

I have asked them to stop calling me several times but they refuse. I don't feel I should be obligated to send them a letter with all my personal information on it just so they can stop calling me. Also this supervisor never advised me of the recording of the phone call. I had to ask him at the end of the conversation if the call was being recorded. These calls are pure harassment! What happened to customer service? I would not mind a call reminding me that my payment is due but these people are demanding me for payment even before the grace period is over.

I finally reached a different supervisor after exhausting struggles trying to resolve the false late fee charge. The fee was removed, but Chase held my payment in March and tried to assess me another late fee. However, I sent my payment certified and had proof that it was received before the late date. The battle was continued, and after showing a certified receipt my late fee was removed. Then in April, I checked my bank and found that Chase had not posted the check to my account. I immediately contacted them, and spoke with a very helpful representative who worked diligently to fix the new problem. He had his supervisor to temporarily credit my account until they could find the lost check in the payment center.

Chase had me to re-fax my proof three times to no avail for assistance. They tried to say that the post office is lying and that they really did not receive it. I was instructed to pursue the Post Office and to accept the late fee and to repay before they report me to the credit bureau. The research department became involved and was of no help, she was rude, threatening and refused to allow me to speak with her supervisor. I requested to stop payment on the check, and was told not to do that because it had to be proven that I actually sent a check, but I must send another check through Western Union or their local branch.

I informed them that I will submit another payment by certified check or money order if I receive a letter confirming what was said and an assurance that April's check if found, would never be posted to my account by them. She refused and said that if I don't do it their way then my account will continue to be delinquent and reported against me. I asked for a supervisor again, and after being denied again I informed her that I would be contacting the Corporate office. She informed me that there was nothing that the corporate office to do to her and that they had no power over them, and I was wasting my time. I would really appreciate some assistance in resolving this issue with J.P. Morgan Chase. Continuous false late charges with ongoing harassment, and disregarding of documented proof. This is emotional and mental anguish compiled on top of medical and financial downturns in my family. Our mortgage is a must pay, and we are struggling with success. I am thankful that we had proof, or otherwise it would be their word against ours. Who else are they doing this too but they do not have proof that they can secure before the damage is done.

I have researched and found wording to ask for such documents as, settlement statements, HUD1 statement and other documents that will show where the disbursements of this loan were applied. I have been unable to get anyone to confirm too me that my verbal and written dispute has been received and an individual is working on this dispute. I have requested the research department to contact me, to indicate they’re working on the request only to be told they do not accept phone calls and that I should get something in the mail.

My wife called Chase on the due dates of the 12/15 payment and the 1/15 payment, to again verify what they told her was true. The rep each time said not to worry about those payments and they will not be reported. In May of 2010, I went to GMC to get a car loan and was told I could not because of the late payments reported on my mortgage for 12/15 and 1/15/10. I have made dozens of phone calls to Chase explaining that they made an error. Not only was Cheryl extremely rude (she refused to give me her last name or employee ID #, which are laws), she pretty much told me I was "wasting her time, was ridiculous," and hung up the phone on me.

My wife was illegally sold a product and they used deceptive sales techniques to get her to agree. No one from Chase will tell me who the rep was who sold my wife, or pull the recorded phone records to prove she was lied to. Why would we get an extension on our mortgage which costs us 1,000's of dollars to only pay late anyway? Common sense says this was a scam. They will not help us in any way and waste countless hours of our time only to be rudely denied and not getting answers to any of my questions.

What recourse do I have and is this a common scam? The last supervisor who spoke to me was Ana **. Although she was very nice, she obviously didn't listen to a word I said, and kept repeating, "the two months you were late were not the months of the extension." Yes, I'm well aware of that. But you lied to us--I did not authorize this product and my wife, again, was told it would not be reported which has since ruined my credit.

I waited for several days but I heard no results. I then contacted the loan processor. She states that he was going to process the loan application. She states that she did not have the documents that was required. I then contacted Richard and he stated that he will give her the documents. I also gave him my realtor's information and contact number in Arkansas that had found the property for me.

I received a phone call from the processing officer stating that the underwriter said that my debt to income ratio is too high. I loss out on the property because the appraisal took too long and I feel that Chase has no intention of giving me the loan. I have excellent credit and the underwriter said that I could not use my rental property income in Texas that I own because I have not rented it for more than two years. All through the process, I have never met Richard in person. My realtor and I always have difficulty contacting Richard over the phone and returning our calls. Also, he very seldom returns our emails.

They came back to me with an underwriting issue and refused to refinance. I told them I did not agree and wanted my $750 back. No response received. My credit score is close to 800 and I earn over $250K per year with no debt except home. No credit card balances. No car loans etc. and several hundred K in stock and 401K. I then went to my credit union, and had a new refinance mortgage within 45 days. I feel they literally stole $750 out of my pocket and prolonged my refinance option which cost me more $$ per month due to delay, and that extra $$ was paid to Chase.

Chase received the short sales funds at close of escrow in August 2009. They have contacted me and notified me that I am 15 months past due on my mortgage. After 2 days of phone calls, they will acknowledge the short sale but will not fix their records in their system. I have all of the documentation from Chase--closing docs and my credit report showing balance paid ($0 balance). How do I get them to stop calling me and harassing me?

I will never do business with them again. When I am able to proceed forward, I will refinance and never do business with them again. They should have refunded the appraiser fee after they said we were approved. This is wrong. They are obligated to send me a letter stating why we were refused the loan. No letter to date.

Renter found another apartment. 1-8-10, a second check was sent by registered mail for Jan. payment, again requesting a coupon booklet and repeating executor contact information.

1-12 Call to Ask a Lawyer information given below. 1-12- call to PM who contacted the title company to check if property was in foreclosure or judgment, it was not. PM said we need vandalism and police report to document the damage. This was done. 1-13 to-18 documented damages and confirmed mortgage checks had cleared our bank. Chase admitted it was their representative who had applied the lock and drilled out our deadbolt because although all payments were current they had, deemed it vacant. Our PM had her lock with all information on the door but was not contacted prior to the new Chase lock being installed. Chase had no identifying marks or contact information on their lock. We did not know who or why it was placed on our door.

Weekly demands for reimbursement continue. Locksmith repaired damage to locks and placed occupied sign on the door. New Renter found and she began cleaning the mess left behind inspector. Plumber called again to reinstall water meter that the inspector left lying on the floor. 2-12 Request for help to resolve this matter from state of Montana, Division of Banking and Financial Institutions.

4-20 Call to Alpine Home Inspections by PM but received no answers. Email sent to ask a lawyer below:

The Executor should call the lender, and after confirming that they have the court documents proving authority to act on behalf of the estate, demand to know if it was they who performed the lock-out, and what the status of the loan is.

I wish you and your family the best. Thank you very much for having allowed me to assist you. It would be greatly appreciated if you would click the green Accept icon so that I can receive credit for having assisted you.

Damage to property=$1250

We never denied payment for the trial months, yes we were able to afford that! So what kind of help is that? After all, we tried to talk to any one in Chase and one knew what happened to that loan, finally we got a called from a collection agency notifying my husband that Chase has charge off the second loan and was sent to the collections agency and we need it to pay them 98K or else. What to do now? Not sure, Chase didn't do their job right and it is very upsetting to know that "The Obama Home Help" only works for the first mortgage, and now we need to find the way to get $98K to pay off the debt. Thank you for nothing Chase!

After 4 faxes, no one will admit to having ever receiving them, and now I am told that I owe $2800.00 to my escrow account. I have continued making payments. However, because I have only paid what is my actual mortgage, Chase is now reporting this as late to the credit bureau! It would be different if I was delinquent on these items, but I have not ever been! As per my original loan contract, I wish to continue to take care of taxes and insurance myself! I feel that this company is acting in a Gestapo fashion! Is this even legal! All I want is my loan returned to its normal amount!

I have spent hours on the phone trying to get them to remove both the late payment and the "certified funds" stop they have on it. The will now not even except payment over the phone from a debit card. I have been hospitalized for cancer surgery and cannot get to the bank. The customer service "technician" said I'd have to find a way before he put me on hold and hung up.

I literally do not know how to make a payment on this mortgage since Chase is refusing my funds. I would like to go back to the 10 years of current payments prior to this one-month lapse both in timeliness and in payment style since I have access to a computer.

In order to keep my job I had to pull my 401(k) out, pay penalties for early withdrawal, and pay the $5,137.00 Chase was showing I owed. However, it doesn't end there. When I checked my account online a couple of weeks later in order to make a payment, it showed I hadn't made a payment since June of 2009 and that now I owed $6,266.00. I called Chase to ask them where my payment was that I paid to make my account current and the man told me it showed my $5,137.00 dollar payment, but the modified payment center had a block on my account so that any payment I made went into the suspense account. He told me I needed to fax a letter to the modification center telling them I wanted to opt out of the plan and to advise me about the money in my suspense account. I faxed the letter and didn't hear from them. So after about 2 weeks, I checked my account and it was still showing that I owed $6,266.00. I called them again and they said they never received my fax so I faxed it again. Again, I checked my account about a week later and still it was showing I owed $6,266.00. I called them again and they told me they would move the money in my suspense account over. I asked if I could make my payment over the phone since I couldn't make it online and they told me they couldn't take my payment over the phone and to wait until the money was moved over and make my payment online. This same conversation occurred over and over again from January 2010 till now (April 2010), and still the money hasn't been moved over and they still haven't let me make my payment.

During the first week of April, I called and talked to a manager by the name of Bruno **, who not only would not let me explain what was going on, but yelled at me and when I yelled back, he threatened to end the conversation with me and that he was recording it. Finally, after some few choice words on both sides I was able to explain to him that I wanted my money moved over to my account, and he told me he would have it moved over within 48 hours. I asked him again if I could make March and April's payment since they wouldn't allow me to make March's payment last month. He told me no, to wait until the money was moved over, and make the payment online. Two days later, I checked the account and the money still had not been moved over so I called again. The girl on the phone told me it had not been processed and she would transfer me, then hung up on me when trying to transfer me. I immediately filed a complaint with the Better Business Bureau who gave Chase until April 20th to respond.

Today is April 30th and Chase has yet to respond to the BBB or to move my money over. On top of all this, they are tacking on late charges even though I have been trying to make payments and they won't let me. Now my credit is ruined because it shows I am 180 days past due even though I have been making every payment they have required me to make. I am looking to file a lawsuit against Chase for the money I paid that hasn't been applied, for the 401(k) money that I had to pull out because of their misrepresentation and misappropriation of my funds, and the penalties I had to pay and will pay for pulling it out early, and to have them clear my credit that they have ruined. If anyone knows of a good lawyer who would take this case and could take their payment from the settlement, please let me know. I lost a week’s worth of wages, had to pay penalties on early withdrawal of my 401(k), plus I will have to pay tax penalties when I file my 2010 taxes, and my credit is ruined.

At that closing the following occurred; Chase's agent came with the loan documents and HUD Truth in Lending forms. The seller, my father , a licensed and registered Real Estate Broker in the State of Alabama was present. Myself and my wife, the buyers were present. The results of Chase's Title search showing no liens or other obligations pending against the property. Although this was to be a mortgage loan in mine and my wife's names and releasing my father, the seller from the loan, the loan paperwork still has him listed as, not only the seller, but as hold an obligation on the mortgage.

In 2007, my wife and I attempted to place the property on the market for sale. Within a month, my father advises me that there is indeed another Promissory Note in Advance of a mortgage against the property which he had taken prior to our loan with Chase. This made it and continues to make it so that we cannot sell the property and be able to acquire the monies to clear both these sums. This other Promissory Note in Advance of a Mortgage which my father had taken with Regions Bank in Enterprise, Alabama was not explained to us as being a mortgage and was not discovered by Chase's Title Company, Lawyers Title of Land America. I was not in the country at the time of my father's dealings with Regions bank and was never advised by him, Chase or Land America that it was a Mortgage.

6. At no point ever have I received any documentation with regards to Chase, Land America or Regions bank with regard to any of this matter.I do not see how it can be done that through errors by the parties in the lending process of all this, can now be heaped upon myself with no notification or solution without my input.

I have made every attempt to get some resolution to this and be able to sell the property for only what is outstanding on my original 1st Loan from Chase. As the realty market took its plunge in 2008 and with the lien now held on the property by Land America, we cannot and will not be able to do this. We have exhausted our savings in trying to keep the mortgage current and meet all the other cost of this property.We are now at the point that we can no longer do this. I therefore am advising all parties involved that we cannot and therefore will not be able to make these payments and that Chase, Land America can begin the steps to take possession of the property. House is being foreclosed on or I can pay for a deed in lieu of foreclosure, same thing

The first six month had been paid. Chase fails to pay the insurance, then charges me for expensive insurance? Now I open this month's statement to find my payments are now $1510.76. I did not sign up for a $300 increase in payments. The property value cannot be that different. I even pay some extra to escrow to help. What the heck is going on and why can't I find someone with answers?!

I don't understand what Chase benefits from this if the government is willing to help Chase modify my loan and they won't take advantage of this situation. I wish I knew of a government entity that is willing to investigate this situation. I've already sent a complaint to the BBB but a real investigation needs to be done. Meanwhile, JP Morgan boasts a 55% increase in profits first quarter 2010? Thanks for using my taxes to help yourself profit unbelievably, Chase.

I am totally stressed out and about to blow from the calls they make, sometimes 5 times a day. I am 61 years old and about to become homeless after I have worked all my life. I have no family to turn to as they have gone on before me except my 95 year old mother whom is in a home with Alzheimer’s. What happened to my living the American Dream?

I have been on another trial modification and still no answers. It is now 4/26/10 and no answers. I know what is going to happen after seeing these letters, but I am still making my phone calls to Chase every week hoping I'll get good news. By the way, I got a letter back in Jan. 2010 saying that I was accepted for the permanent loan modification only to be told that I should not have received that letter.

It is now April 22, 2010, the last e-mail I received was 3-31-10 stating they had to review my information and would get back to me. I have since heard anything and in my account the amount of payment is locked for what they show as still being. I cannot change the dollar amount to make a payment. They will not accept a payment over the phone unless I pay their payment process fee.

My mortgage is now behind and it has horribly affected my credit. I am a single mom and cannot afford to have bad credit that I have worked so hard to have. I don't know what else to do, they respond, if at all the same way when I e-mail or call. My credit score has gone down several hundred points. I always had a score for 725-750.

Well, a month later, I called and the representative said that it was being reviewed by someone in Loss Mitigation to be sent to a negotiator. I was transferred to the person responsible for reviewing my application and got a voice mail. Well, that's all I got for the next several weeks and never got a response.

I finally called the number on my statement, so I could just speak to someone and get some information. The rep said they had no documents on file for a previous application and would I like to proceed with an application. I said "I already did this and I don't want to submit this again." He informed me that, if I didn't want to apply for the modification and didn't pay, then they would proceed with foreclosure or I could arrange a short-sale. Of course I wanted neither, so I complied once again and waited.

After about a month of waiting and hearing nothing, I called and talked to a very nice woman who said I did not qualify for the "Making Home Affordable" program. I was very upset and asked her to explain why. When she explained the formula, how my figures met up with the requirements, and why I didn't qualify, I just conceded.

After a week had passed, I reviewed the figures the nice woman had given me and did the math myself, only to discover that I did qualify. I called Chase and demanded to speak to someone who knew what they were talking about. The rep I was speaking with, assured me she was competent. I explained the situation and she said again that my documents had expired and would need to re-submit them. She also explained all the programs I qualified for. I was mad but chose a program, that sounded like it fit our situation and re-submitted the documentation. I was told that I would be placed in a temporary program, in which I could make payments through official check of my original mortgage payment amount. Anything not paid once, it was finalized would be placed on the back of the mortgage.

After several weeks of not hearing anything, I decided to send a complaint to the Office of the Comptroller of Currency. Several weeks after that, I received a call from a Mary C., an executive at Chase Home Finance, and she said she'd received the complaint and was doing everything she could to help. After a month or so, she called me to say that I needed to submit the documents needed to process my application sometime in the next 90 days. I was so livid, I can't even express it. I rounded up all the documents and sent them in about 2 months later, after I had patched up some family issues.

I emailed Ms. C. about 2 weeks after I faxed the paperwork, and she emailed me back saying, she submitted the paperwork and would keep me in the loop. I emailed Ms. Collins 2 more times before today, with no response. So, I called Chase after I got a notice on my door, saying to contact the Homeowner's assistance department. I was told that my application was declined over 2 weeks ago because our income was not enough to cover expenses. I said "Are you kidding!? " That's why I'm applying for the program. Isn't this the reason for the program? I've submitted another complaint to the Office of the Comptroller and my Congressman. I would like some help with this issue and if I lose my house because of Chase's incompetence, I would consider pursuing legal action.

I am now three months behind in my mortgage payments and still waiting for an answer. The representatives are not rude, just uninformed and not very helpful. I don't want to walk away from my home, however, after coming across the site and reading the many complaints against Chase, I don't know whether to just walk away from my home. I don't have a lot of money and have been contemplating if I should withdraw from a supplemental retirement account that I have through work. I am really scared to give Chase this money and have one of the similar accounts that I have been reading about happened to me.

So right now, I don't know whether to take that money and start over (renting) or take a chance with Chase. In any event, I have to send paperwork and a letter along with documentation proving hardship just to be able to get that money. It's very possible that I may not be able to get that money and if I receive it, I will be penalized and taxed on it. So if there is someone who can help, please do. I may not be eligible for the loan modification but a year and counting is a long time to have to wait for any answer.

I did that and received a letter saying they would not reimburse me the overdraft charges because I was supposed to stop the payment, even though their letter said otherwise. I appealed the decision and received a letter from Larry ***, VP Customer Service, in November 2009 stating he was looking into the matter and would send me a timely response. To date, although I have sent two more letters, I have received no response to this matter. The overcharges at my bank account totals $198.00.

Chase submitted to our credit agency that our home went into foreclosure. Then, they submitted that we had a deed in lieu/bank liquidation and during this period checked our credit--creating two "hard inquiries" on our report. None of this information is correct and after numerous calls by my husband and I, we are not able to get anyone to fix these mistakes.

We were given Eufemio's name and number at the bank. We have left him a message each day over the past week and he refuses to return our call. We were told he was the supervisor of our closing process. We are pleading for simply an update or a call back to tell us if he is doing anything or plans to do anything about this. We have asked to talk to supervisors, managers, anyone and we just keep getting transferred from one department to another.

Another big issue is that every single person/employee you speak with tells you they're making a note on your account and again, when you call back, nobody knows the person and even worse, there are no notes whatsoever about the conversation you had with them. I explained to her that I was trying to make my February payment and it was not taking the payment online and asked if I need it to do it through Western Union, which was the method I was told to use to make my payments during the loan modification process, again or what was going on. I also noted that under the payment due date on my mortgage account online stated that the next payment due date was June 1, 2010, which I totally ignored because that was impossible.

Ms. Parker indicated to me that she was going to put me on a brief hold while she checks my account. She came back to the line and told me that I was not due until June 1, 2010 based on a refund from the Hazard Insurance and the amount I was paying before the loan modification was finalized and approved, which was greater than the amount I am paying now. I was not happy with the answer because it did not make sense to me at all. On February 4, 2010, I called Chase again and spoke with Eddie (again, no last name) and I informed him that I was trying to make a payment online and I was having a problem with it and requested if he could look into the account and find out what's going on.

He put me on a brief hold and came back with the exact same information that Ms. Parker provided to me on February 1, 2010. I asked Eddie if I could have a letter for my record only confirming my conversation with him and he stated that he could not give me a letter, but that a Mortgage Loan Statement was going out on 02/04/10 or was probably sent out already, but he was able to see it on the system and that statement depicted the due date of 06/01/10. On February 9, 2010, I received the statement that Eddie has mentioned I'll be receiving and in fact, had a due date of 06/01/10. I called Chase again and I spoke with Gail in the Customer Service/Care Department and I told her once again, without specifying that I had talked to two (2) previous employees that I was not able to make my February mortgage payment. She put me on hold and came back with the exact same information and without me telling her that I had received the statement, she informed me that a statement had gone out and that I should have it by now or I should shortly.

That's when I told her that I did have it with me as I was talking to her, but that I didn't understand why was that happening and she told me not to worry because I was paid from 02/01/10 through 05/01/10 and my next payment was due on 06/01/10. She even made a joke and stated that she had never heard a customer being so worry about wanting to make a payment and the customer couldn't make such payment. I told her that I did not want any problems and wanted to make sure everything she stated and what the statement dated 02/04/10 reflected was correct and had accurate information. I felt better having the Mortgage Loan Statement dated 02/04/10 showing what those three (3) employees have previously informed and confirmed it with the said statement.

I didn't get a statement for the payments due on February or March, which led me to believe that everything was correct and they were right, I had no payments due until 06/01/10. On March 26, 2010, I received a Mortgage Loan Statement dated March 22, 2010 stating a payment due date of 02/01/10 in the amount of $6,012.69 and included late fees in the amount of $78.63 for failure to make the February and March mortgage payments. I was devastated and so confused about such statement. On March 29, 2010, I called Chase at 800 once again and spoke with a person named Jesse at extension ** who I asked to please review my account and told him that there was a mistake on the recent statement I received indicating that my account was past due and was showing a due date of 02/01/10 where in fact my payment was not due until 06/01/10. He put me on a brief hold and came back to tell me that in fact there was a mistake (I was very happy to hear that short statement), but on my part because the payment was due on February 1, 2010 and I failed to make that payment as well as the March payment and as such my account was now in collection.

I explained to him the entire conversations that took place with those three (3) previous employees and he said that he couldn't tell me why they said and/or gave me that information when what he sees on my account was totally the opposite. I was very upset and crying and honest to God, I could not believe what Jesse had told me. I waited and called Chase back on 03/30/10 and spoke with Richard at extension ** hoping to hear something different than what Jesse had told me, but Richard confirmed once again what Jesse had told me on 03/29/10. He made it even worse and told me that if I did not make the February, March and at this time, the April payment, I was going to be due in two (2) days that I was going to be in default and Chase would start foreclosure.

Not sure and familiar with these procedures, I started begging for help because based on the information I was provided by three (3) different employees on three (3) different dates, I did not make the February and March payments and now I had to also come up with the April payment and he basically told me that there was nothing he could do other than take the payment over the phone if I wanted to prevent foreclosure. I asked for a payment plan and/or to see if it was possible to put the February and March payment towards the end of the loan or whatever he could help me with because I did not have the money to pay for three (3) months he was stating I was behind. I also explained to him that those employees misled me with the information they provided to me. He indicated to me that was a mistake on their part and that they shouldn't have given me that information and he apologized for any inconvenience and said that it was a mistake on their part and that he was very happy to take the payment over the phone and was the only help he could give me at that moment.

Once again, I explained and begged him to help me out since it was a mistake on their part and he told me that he wasn't sure that that was what really went on and/or if that was what Chase's employees communicated to me. I was more frustrated and said to him that I understood he didn't believe me, but I questioned him about the Mortgage Loan Statement I had with me dated 02/04/10 indicating that my payment was not due until 06/01/10 to please explain what was that. He went ahead and he said that once again, he couldn't explain to me why I had that statement wherein there was no record of that statement ever going out and/or mailed out, that he didn't have it on the system. The only statement he showed/had on the system was the one dated 03/22/10 wherein I was informed that I was past due for two (2) months and as such, I needed to bring my account current to avoid any foreclosures.

It is very unfortunate for customers like me who are at Chase's mercy and cannot do anything about this miscommunications and/or mistakes just because they are the bank and they are allowed to do this and/or conduct their business in this form. As such, we have to pay for their mistakes at our own cost. There is got to be something we, the customers, must be able to do to stop Chase from abusing people in this way and so many other ways they are abusing people with their misinformation. I understand that if it is a mistake they made and I was misled by their own employees and by a Mortgage Loan Statement that they sent, Chase could very well work with me and try to resolve this issue without the threat of foreclosing on my property. It gets better. On April 7, 2010, I received a letter dated 04/02/10 informing me that I am in default and that this letter is a "Notice of Intent to Foreclosure" and I have thirty two (32) days from 04/02/10 to cure the default and I must pay the total amount due in order to cure this default or Chase will proceed with the foreclosure.

It is very hard to believe that there is not one single thing that can be done to prevent Chase from doing and/or conducting business this way. If they do not have the proper employees who know exactly what they are doing and are providing the wrong information to the customers, why should the customers have to pay the consequences? I hope that this issue makes it to someone that really cares about how some of these banks (specially Chase who I heard from different people/sources of how they are in a bad situation due to Chase's wrong doing) are running their business and I pray to God that someone can stop them from doing this to people. I might lose my house and it is so unfair that because I was misled by Chase's employees and not only that, but a statement confirming what those three (3) employees have told me, I could have made those payments on time when they were due.

Now, it is very difficult to come up with three (3) full payments all at once since I invested the money in my kitchen that due to the rain, there was mold on the walls and my six (6) year old daughter was getting sick a lot and the doctor told me that it was due to the mold and could harm her pretty bad. Since I did not have to make my mortgage payments, I had a contractor remove those walls and used the money to fix that problem. It's not like I went on a vacation to the Bahamas and that's why I cannot make those payments. The money was well invested and have the invoices to prove it. I have enough evidence (i.e., doctor's letter/reports) to show/proof that what I am stating here is the truth and nothing but the truth. I do not have the money to come up with three months' worth of payments to prevent me from losing my house and/or foreclosure. I'm stressed and suffered emotional distress, all as a result of Chase's conduct.

We did as we were advised. The housing market crashed soon after and we were not able to refinance our home, nor pay the property taxes which were past due. While our mortgage company, of its own accord, did freeze our interest rate, and not increase as they first indicated they would, this did not help our property tax concern. We contacted Chase to work with them on the solution and were told the best we could do was to pay the 2007 taxes as soon as possible or they would. And we would then be responsible for an escrow account on our mortgage. We received our income tax return and immediately applied the money to the past due taxes (which was our method for property tax payments).

Unfortunately, Chase made the 2007 and 2008 payment, throwing our account into a repayment schedule which was beyond our means. It took months to sort out the overpayment issue and once the extra payment was applied back to the account, the payment was still out of our reach as Chase then began to escrow for the current taxes as well. We applied for a shortage spread for the 2008 taxes and it was granted and applied over a 60-month period. The 2009 taxes were still being applied and our payment which then went from $1,170 to over $1,600 a month. We were unable to pay. We were granted opportunities to make our principal payments without escrow until a modification could be secured.

We participated in the trail plan from August 2009 until February of 2010 when the paperwork was completed, indicating that the modification was approved first lowering our interest rate from 7.25% to 6.0%. At first, I was grateful for the decrease until after going through all the paperwork I realized it also raised our principal balance from $157,457.27, with an escrow balance of $8,402.22 (totaling $165,859.49) to a new principal balance of $176,965.06, a discrepancy of $11,105.57.

On February 12th, 2010, I questioned Chase Modification Department on what that extra money was for and was told they didn't know, and asked that I fax in the paperwork to show them the terms. I indicated that the paperwork was due into the office by the 18th of February and they said they would have the answer to me before the deadline so I could still get it in during the specified time frame.

I received notification on February 18th that the increase was due to the money lost from lowering the rate from 7.25% to 6.00% and the past due amounts (from not paying the escrow and any penalties which had accrued). I was told Chase wasn't going to eat the cost of the modification. The modification payments are listed as $1,585.27 a month. Without the modification, the payment including escrow is $1,603.09, a savings of $17.82 a month. If we accept the terms of the modification, we assume responsibility for the extra $11,105.57 Chase would be having me pay them for the modification, or lose my home. Because if the terms aren't agreed upon, then I owe $2,695.01 for past due payments this year and would owe the additional $1,603.09 on March 1st.

We opted out of the modification process and used our taxes to pay for the past due amount as well as of the March payment. When we attempted to make the remaining payment of the March mortgage payment, we were denied, being informed that due to the modification process not going through, it would take a month to remove the hold on my mortgage account. I mailed the payment (because I had no other option) and they applied it late, thereby justifying me a $54.00 late fee. Further, they did not send a payment coupon for the month of April and I was told I will not be able to make that payment until Monday, April 19, 2010, thereby justifying another $54.00 late fee.

Every month after June, it was the same thing every month. I decided to send them a payment by check in October and I checked my account from the 15th until the 28th to see if the check had cleared. I also called every other day to Chase to see if the check had been applied. Finally, at the end of the month, one of their people said to cancel the check and make the payment by phone. I went to my bank and had them cancel the check. I had the teller make a payment to Chase for me on November 2. I then made a payment at the end of November for November.

Then, in December, the check I had canceled was found and Chase tried to cash it. Chase says they never got the payment I made at the beginning of November. My bank has done a research and said that Chase did receive the payment. I had sent a letter to them asking for a payment history and where can I make my payments to them so they can receive them and get them posted to my account. I did not hear anything from them in over a month. I got an attorney to write them a letter asking for the same as I did and all Chase sent was a payment history. I went a couple of months not making any payments because I did not know where or how they would receive them.

In April, I finally got a letter from their attorney saying that they where foreclosing on my home on the 19th of that month and I would have to pay the full amount or call their attorney and see about making arrangements. I had my attorney send their attorney everything we had been doing with Chase and the problems I had. Their attorney sent me a letter two days later, informing me that they stopped the foreclosure and was sending the paperwork back to Chase.

I contacted Chase on April 5th and was transferred to five different people about trying to make some payments. The last person was in the foreclosure department and said that I was going to pay $2,700.00 for the house payments and she was going to find out what all other fees I would have to pay like attorney's fees. She also said that she would get with me in 24 to 48 hours with everything. It is the 16th of April and I still have not heard anything from them. I am having a hard time sleeping and my health is going bad due to the stress and pressure this has caused me.

We called to get status and every time we call, they tell us to resend. Ocquin Bank had their customers approved within 30 days with no complaints. How is this going on when they are negotiating with the same guidelines? How can Chase ruin people's credit like this? I want answers as to where the trillion of dollars given to Chase is and the percentage of that money that was used so far to help homeowners. We are struggling to pay our mortgage due to less income and we need help before our house is foreclosed. It will be a matter of months that we cannot hold on anymore.

I called on the 4th to make sure it was all there, all 39 pages and spoke to Angie at 7:40am. She stated it was all there and it was going to underwriting again. I called the next month and was told same old story. On January 8, I called and spoke to a guy, his name was John. I was told we were in the last step and that all they were doing was looking for an interest rate for my loan. I came to find in the mail on January 27, we got the papers and that we need to fill it all out again. So I called, very upset. At first, I spoke to a guy by the name of Jeff. That was on January 28. He said I needed to speak to another person, his name was Damil. He got very smart with me on the phone so I asked to speak to a supervisor.

The supervisor, Dwan, got very smart as well to even say to me on the phone, “If people would pay their bills, this stuff would not happen.” Wow! I could not believe he had said such a thing like that as a supervisor. I called him on that and then he started to back up as to knowing he had said the wrong thing but still got nowhere. So on January 2, I called back and spoke to another supervisor, his name was Jason, at 10:30am. Jason and I spoke for about 30 minutes. To where he had told me to fax over only my pay stubs, property taxes, home insurance, bank statements and the 4506-T form. So I did, he also had said it would only be at the most of 60 days to decide what was going to happen.

On the 12th of March, I spoke to a woman, her name was Anita, at 8:30am. Again, I was told something different, that it would be no later than April 10, 2010 and it was wrong as while no calls on the 10th about the modification. So I called on the 12th and spoke to a woman named Shendya at 8:00am. She told me that they can not put a time limit on this, due to so many that they have. So again, I had to fax over more papers because the others are no good any more. I just do not understand how many time does underwriting look at the same papers before it's done. To me I think it is a way to get brushed off time after time and make people upset and lose their homes because they get tired of it and walk out. Just look at all the foreclosures in our Arizona valley and what can we do.

Now, my application has been in "review" for months, with no updates. I complained about the speed of the process. "Why is it so slow? I should have hired a lawyer." Marilynn's response was, "Hey if you can't pay for the house, you should just move out. " How nice. Obviously, as an agent of Chase, she knows that she speaks for Chase when she speaks to customers and clearly it explains everything. Chase is really not very interested in modifying loans. They are just stringing customers along, wishing that they either go away or the administration changes and does away with the program, and in turn so they can simply foreclose and get rid of the problem.

It's particularly painful to know of how quickly banks were available for free money from the public TARP program to save them, and how quickly they paid it back when they found out it wasn't free, although what wasn't paid back was the profits they made from the money they borrowed. And has anybody noticed how great the Banks look recently, new branches, new signs, furniture, tons of marketing? It's never been better for them. So here I am waiting for a process that seems never ending, while Marilynn at Chase moves on to the next call and let's them know how great Chase is and how they really don't need to do anything help customers, and how Chase is just doing this to be nice. Yes, she shared all those fine thoughts with me too.

I called Chase and they told me that my home will stay on the list until I complete my trial period which is three months but the sale is in less than one month. I requested from Chase some sort of letter telling me that my home would not be sold and I was told they have no way of sending out an email. The funding group that I spoke with, and I agree, said this is unethical. How can I go into a home modification program with them and my home still be sold out from under me? I have emailed Channel 6 News.

We have 2 small children under 3. We both work full-time, and are trying to make ends meet. We try to do the right thing and these people won't even do their only job and process my application. They are going to cause us to lose everything!

I called today and the first guy told me they had my paperwork and transferred me to Loan Investigations. That person told me they didn't have my paperwork and could not speak to me until I faxed it (a fifth time!) I called after faxing to confirm receipt. I was told they had everything from a while back but that the Letter of Authorization was incomplete. I looked at the form with the guy and he said that it doesn't state my relationship to the borrower. I said, "Where on the form does it ask for this?" He said, "It doesn't, you should just write it in next to your name".

Really? Then he said where it states "company name", I should write "no company name". Unbelievable! I am a career customer service manager and have never dealt with this level of incompetency. Because of their lack of communication and continuance to not speak with me to resolve the problem, the house is in default and could go to auction in 90 days.

The county in which the house is located is corrupt and will not do much if you apply for a hearing. They will take off a token $300 and then add $600 next year. I had asked Chase for a forbearance/help and sent the required paperwork but never heard anything. When I tried to call, I talked to various people who didn't know anything and gave conflicting responses to each other. Chase made no effort to try to work things out with me to keep the house, although, I did not want to keep the house due to the never ending tax issues for which there is no solution and wanted to sign it back over to them.

I was told by Chase that this was not possible. I even went to consumer counseling which I was told was required in my state, where I was told that my only financial problem was the house. I could never get anywhere with anyone at Chase and when I asked for the president of the company, they did not seem to know who that was. I moved out of the house in November/December 2008 and a few months later noticed a sign on the door advising real estate agents to inspect property carefully. I never received a foreclosure notice or call and I continue to receive my monthly statements. I talked to other bankers who do not comprehend Chase's action in this situation.

It is now 4/13/2010 and I am still receiving statements which I don't pay and customer service will call every once in awhile, and I tell them to quit calling because as far as I am concerned Chase has the house back due to the notice on door. They will quit calling for 2-3 months and start over again. They called on 4/12/2010 and I was told she will switch me over to the foreclosure dept after our conversation and then nothing happened after I waited a long time to dead silence. What a ** up company!

I read the other people's complaints about Chase prior to my writing this and I realize that there is no help for anyone from anyone, because our Banking/mortgage system is so very very corrupt and incompetent but powerful! Maybe Chase only cares about the more costly houses in the scheme of things and that is why some people are foreclosed on quickly? I had excellent credit all my adult life and it is now trashed due to Chase's inaction/lack of help and they are making it look like I don't pay my bills as they are stretching this out from 2008-2010. I feel that this is vindictive and they know exactly what they are doing in order to ruin those they cannot make any money off of. This has caused constant unrelenting stress which has affected my sleep and my weight and as a result I had back problems during this time. I had to see a Chiropractor and had an MRI as a result.

I have left several messages for Mr. Kendahl to no avail. Found out paperwork not submitted till 3/25/10 when told payments would begin 5/10. All I want is to make my house payments. I just get further behind my credit has been ruined. Advised not to make payments as would change the terms of modification can not re fiance elsewhere as the past due that shows on my credit. The stress level has been incredible, I have developed ulcers lack of sleep for worrying about this and trying to comply and do all necessary steps on my part. Not to mentioned my credit is now ruined. I have never missed any payment in my life.

In April, I called in to make my payment. They told me my loan modification was denied because they had been trying to contact me since mid March for updated paperwork and because they did not reach me being that I do not have a voicemail at home and they are not allowed to leave me a voicemail at work so how would they reach me and I did not receive a letter at home requesting this information. The loan modification was denied and I now owe all back mortgage payments and late fees since last year. They explained that even though your in an loan modification I can be foreclosed on and I have until the end of April to get the money in.

They would not accept a payment from me today unless it was the full amt due. In all, everything I told was a complete lie. They will and can foreclose on you, the agreement was a lie. I am now seeking an atty and hoping they can retrieve some of the recorded phone calls from them stating they had no updated information on my loan and stating several times that they cannot foreclose on me during the loan modification, and telling me that all back past due amounts or late fees would not be owed at the time the loan modification was denied.

Another week went by and it’s now in the 10th week. There was a 90 limit on holding the interest rate. I emailed Mable ** again and was told that the loan was on hold because I had a garage that I closed in and unfinished. I explained that I use the room for storage and did not plan to finish the walls until I installed a whole house generator (I live in a hurricane area and the power goes out a lot), whose electrical wiring had to go through two walls and the celling to get to the main panel.

Part of the loan money was going to pay for this whole house generator, and I did not plan on closing the walls until the generator was installed. She said it was the policy of Chase that all rooms had to be completely finished. I told her that this should have been outlined in the pre-loan paper work. If that was the policy I never would have advanced them the $750. I was furious at this time.

Almost 3 months had elapsed and the appraisal was turned into them on March 26, 2009 so they knew at that time that I had an unfinished garage, yet they continued to string me along until the 90 days for holding the percentage at 5.12% was almost up. I told her that because they had not informed me of this condition up front, even though I explained that part of the money was going to the whole house generator, that the whole procedure was bogus and very poor business.

I told Ms. C. that since they were backing off of giving me the loan because of this condition that I was unaware of from the beginning, I deserve to have my $750 returned to me. She said that Chase had done the mortgage search, appraisal and credit check and would not return the $750.00 but she would get me a $350 refund. I asked when? She said that she would inmate the paperwork that day. I waited 2 more weeks without getting any check from Chase. I emailed Ms. C. and asked what the delay was; she said that she had sent the paperwork through and would check to see where it was.

Another week passed, no check. I again emailed her. No response. I emailed twice more, no response. I called her on the phone; she was out sick. Another call, she was not at her desk and I left a message. No response. I tried calling a manager of the department, but could not get anyone to talk to me. Chase Mortgage is a fraud and taking clients $750 and refusing the loan for bogus conditions. A class action law suit should be imitated against them for fraud. No physical damages, just my $750.00 that they kept.

The loan closed and funded and the monies that were left in title for the said escrow account were transferred to Chase. My first mortgage payment, which was due Feb 1st, 2010, I set up an automatic payment option for this to be transferred out of my Chase checking account. On or before my first loan payment due, I was contacted in writing, by Chase with a year-end escrow account statement. The statement showed that the monies in the escrow account were short for the tax bill currently due, April 1st, 2010 and that additional monies were required to be paid in full into the account. As it was less than 30 days since I closed escrow, I contacted the County to verify the tax amount due and found three discrepancies. The first was that Chase set up the escrow account for the incorrect tax amount due from the beginning. The escrow statement shows they set the tax amount as $1,031.25 per installment when each installment due was $1,454.31.

Secondly, Chase set up the escrow account for two (2) installment payments due April 1st 2010 when truly only one was due (the 1st installment was paid out on Dec 7th, 2009, prior to my purchasing the home). And lastly, they claimed the new amount now owed was due to the fact the property had been re-assessed when in fact it has not been re-assessed and does not qualify for re assessment as it is a rental property. I contacted the bank to straighten out the issue. I was told that they could not assist me and to contact the loan officer. I contacted by Tina of the Fremont, CA Paseo Padre Branch, who excepted our loan application, and was told by her that I didn't understand escrow accounts and that the correct way to figure out taxes, was to take the sale price of the home, and to multiply that by 1% and that is the tax amount they set the escrow account up for. Any additional monies meant that the property had been re-assessed after its sale. I corrected her that the policy she repeated to set up an escrow account was incorrect that in order to determine a tax amount due, one must contact the county and verify with them a parcel number during title.

In addition, I also told her that the property had not been assessed and does not qualify and lastly that the 1st tax installment had already been paid out and that Chase needed to correct that at this time, only the second installment was due. With that said, if only the second installment was due, no additional monies would be needed, the account had monies needed to pay the second installment and that all that needed to happen was for someone to verify and correct the issue. She continued to refuse to assist me. I asked for a branch manager and she told me they would not assist me in this matter as this is not a branch issue. I asked for her manager and she asked that I contact a Dennis via a cellular phone number.

I promptly contacted Dennis and since that time (over 3 weeks ago) I have been made to pay into the escrow account twice to avoid penalty or collections. I have asked for a written copy of my escrow statement and was told on April 1st 2010 by Dennis that they have no way to print an account statement of the escrow account to show the monies currently being held. As of today, I was verbally told that my last escrow payment in the 1st has not posted and that now they only show $282 and cannot “find” the rest of my $2,000 that they previously had. They claim they paid they sent in tax money to the county. The County has no third payment or overpayment showing on the parcel number for the property.

Where is my money? Why can’t it be accounted for? Why can’t I obtain a printed statement of the account? Why has it take over 90 days for a Chase representative to simply pick up a phone to call the tax collector to clear this matter up?

I asked them for compensation for missed opportunity since the rates had gone up from when I originally started the process, they weren't very interested in that. I've been paying my mortgage with Chase for a long time and today I am still surprised with this complete lack of customer focus. Lost opportunity to save a boat load of money at a low interest rate.

For most of my loan (of 30 years), I have paid to an address in KY that I had memorized. Now, from one BS permanent turndown to the next, every month is a new address! Chase, without a doubt, committed fraud when they so willingly signed up homeowners who on paper (only) have equity! For the past 8 months, I have jumped through all of their demands of lost paperwork. I have FedExed and faxed the same info a total of 18 times and they still have the nerve to show up at my house and demand that I file bankruptcy if I want to stay in my home. I have always paid my bills and I refuse to file bankruptcy when I have never missed one single payment.

Fast forward to September 2009, we missed our first mortgage payment from lost work and we enter the mortgage modification process. They lowered our payment a few hundred dollars and we filed paperwork. This is when it started to get weird. We never heard from the bank. The last thing they told us was "we will contact you" and they never tried or were unable to reach us or something. So, after 6 months of paying a lowered mortgage rate every month, we get a denied letter in the mail due to lack of contact. I call to find out where the money we have been paying the last 6 months has gone and am told I owe 5 times the amount that we missed one payment. The person tells us we owe three months payment and fees. We exchange words.

My complaint is this: Chase seems to be using a strategy (that’s right I said it!) of not contacting people during this process and then shifting the blame onto the customer thus lowering their credit score, putting them in deeper debt and ultimately bankruptcy, all the while retaining a distance and nonattachment to the customer that only a huge corporate monsters like Chase can do. This is a strategy and it must be very profitable looking at all the complaints with similar stories.

When I called on March 4, they insisted I had to have authorized the phone debit, because they wouldn't have the account and routing numbers. I asked why I would have given those numbers if I was told I could never pay by phone debit again. They had the numbers still on their computers from a failed January 27 phone debit I had authorized for $1,760 that was NSF. And that NSF was the reason they told me they could no longer accept phone debits from me. It's all on the phone recordings they make of each call. I was told I could not pay that way, and I had to pay by cashier's check.

Chase arbitrarily phone debited my account after telling me they could not accept phone debits, and they applied a portion of that second amount to the March payment and the rest, $2,097 (minus $20 PBP fee), they arbitrarily applied to "equity" instead of future notes! When I called on March 4, I demanded all of it back but was told that the March payment could not be refunded under any circumstances. So I finally gave in on that point, but I was told that to get the rest back, I would have to send Chase my confidential FUB bank statement to their Research Department to prove "beginning and ending balances" (as if I had to prove anything when they did this to me and they had a complete trail of computer transactions and phone recordings of them doing it to me)!

Debiting my account without my knowledge or authorization has to be illegal, is it not? The Chase rep on March 4 insisted I had authorized this, and failing that, she insisted I had to have previously set up an autodraft agreement with Chase from that account for them to have the numbers. I never set up any kind of autodraft agreement with Chase from this account. I had pre-authorized on January 20 the one-time PBP debit for $1,760 for January 27 that was NSF, so that's where they got the numbers, which I understand they are not supposed to keep on their computers.

I sent them my written accounting of the whole ordeal along with the documentation they demanded, including my account statement, on March 11 and have not received any kind of resolution to this.

I need that money to pay notes and bills! I would love to sue Chase for what they took and for taking it at all, plus sue them for the incredible stress they have caused me, as well as for attorney's fees and court costs. If any law firms read this and are willing to take this on a contingency, I would definitely be interested in hearing from you. I don't have the money to pay house notes and bills for April and May, and I will have to pay multiple late fees and penalties.

It is futile to get an explanation because everyone is in another department. Also, the time to close was unreasonable. It took over 3 months, which should have been completed in less than 45 days because their incompetency. They couldn't decide the documents. They required and kept asking for documents without verifying that I had sent them. I would like a detail explanation of a check received from Chase for $3,654.83. Basically, I want to find out if they missed anything. The closing documentation included a charge of $2,371.82 for property tax. The property tax owed was only $2,156.21. I would like the difference of $215.61 because I could have paid myself. I would like (I doubt I will get it) the extra money I would have saved if they closed in a reasonable time $234.16 x 2 months = $468.32.

Back in August of 08, I lost my job. I knew that I would get back on my feet but I was going to need some help, especially with my home. We were able to make some payments but soon began to get behind. I spoke with WAMU (now Chase) and they explained that the new Obama Plan would help me and they would begin the re-modification process. This was in January of 09. I was told that the re-modification would only work if we were three months past due and that I should not make a payment for the next couple of months.

I questioned this but it was reconfirmed several times that this was the only way. I asked several times what would happen if the re-mod didn’t work and I was convinced that this would not be a problem. This was good news for us because, even though I had gotten a new job, we were behind in everything and the extra money to stay afloat would help.

Ellie at WAMUwas handling everything for us and we got her everything she needed. After a couple of months, we were told to begin making our payments for the next three months. We were told they had to be paid over the phone or received on time. If they were a day late, our re-mod would not work. We did exactly as we were told. In July 09, I called Ellie and asked why we hadn’t heard anything. I was told that because of the WAMU-Chase merger things were kind of a mess and it would take a little longer. On September 2, 09, I got a letter stating that, “Your income exceeds the maximum for our lending program.” I called Ellie and it was explained that my new job (that I have had since January) paid me too much! I asked why I wasn’t told this 8 months ago and was told that the program constantly changes and sorry!

By this time, I am already very frustrated. Ellie told me that we needed to pay the approximately $6,000 that was now delinquent, even though we just made our last three payments on time as asked. I explained that we missed the payments because they told us to. It was explained to me that we don’t tell people to miss payments.

I have spent dozens and dozens of hours on the phone with WAMU and Chase people and have spent countless hours on hold.

On September 17, 09, I called and spoke with Victoria W. in loss draft, Victor M, Helen and finally spoke with Ed at ext 01253 and was told that WAMU had worked out a repayment plan beginning in October. I was told to make my regular payment in October and starting in November I would pay $2189.41 for 6 months and that they would remove all late fees and penalties. I explained that this would be very hard for us and he explained that I didn’t have any choice if I wanted to keep my house. I agreed.

On October 8, 2009, I received a letter that says WAMU has a program which will allow me to put my past due payments on the end of my loan and bring me current, “you simply need to call Washington Mutual Home Preservation Team no later than October 25, 2009.” I immediately called and spoke to them and said yes. I was told that this was the perfect program for me and that it would solve everything for me. Christina B would make sure that this would happen and that the fresh start program would take effect within 24-48 hours. Knowing my luck with WAMA and Chase, I decided to call back and confirm that everything was done.

On November 2, 09, I called and mad my payment of $1,379.25. I spoke with Adam in the Reage dept., Adam gave me a confirmation number. He checked on my fresh start and told me that it was in process and I had no worries. Everything was tracking and it should be showing on my account in 24 hours. I called on November 3, 09. I called and after holding for 30 minutes. I spoke with Robert who told me my account still was not showing the change. He then connected to Carey in collections.

Carey said I was wasting their time by calling so much and hung up on me. I called back and after another 30 minutes on hold I spoke with Adam. I explained everything one more time. He connected me to collections again. I explained everything again and they connected me to Kathy in the escalation team. I was told that she would email the appropriate people and escalate my process. No worries! I was told to call to confirm. I called and was told that the fresh start was in my notes and would not be a problem.

I called back (do not have the date in my notes) and spoke with Monica M. Monica assured me that it was my account was coded and put in notes, I have nothing to worry about.

We continue to make our payments on time! At this point we assume everything is fine, our past due payments have been added to the back of our note and we are good to go. I get an occasional letter saying that we have a past due balance but every time I call, I am told, “you are on the fresh start program, it just takes a while to show up.”

On February 22, 2010, I got a letter notice of collection activity UGH On March 2, 2010, I called and spent 1 hour on hold. I spoke with Sherine who, after I explained over a year of frustration said, “I’m sorry. We don’t do that referring to the fresh start program.” I pleaded with her to read my notes on her computer and see if she could find anything to confirm what I am saying. After a long period of time on hold, she came back and said that she found the notes to confirm what I said. She said that in November, it shows fresh start accepted but for some reason it hasn’t taken yet. She apologized and said she could help. She would send an email to Christina B, who is the person who originally coded my fresh start. She assured me that Christina would solve the problem and that I should hear from Christina within 72 hours. If I didn’t hear from her I was to call Sherine back.

I waited 4 days and did not hear from Christina so I called Sherine and, surprise, surprise, she did not answer. I left a message at the extension above begging her to help.

This brings us to current. It is now March 30, 2010 and I have not heard from anyone. So, I just got off the phone with Chase. I spent about a half an hour on the phone with Jack. I explained my whole story to Jack. He looked up all of the notes and said that he showed that my fresh start was held up because it was reported that I was unemployed and in the middle of the modification process when I called to accept. You have to be kidding me! First, I was not unemployed. I had just been turned down three months prior for the loan modification because I make too much money!

I explained to Jack that I have been employed since November of 2008 and that I have a letter showing that the modification was denied in July! He said he understood but no one can help me. I asked if a manager, supervisor, anyone could help me and he said no. He suggested that I write a letter to customer service. He restated that he saw all of the notes in the computer but it just looks like I can’t be helped. He also suggested that I apply for a loan modification (oh, my gosh!). He said that I was now in danger or foreclosure. Unbelievable!

As you can see, I have been through the ringer on this crazy thing. I just want to get it fixed so I can reestablish my credit and stop Chase from calling me and sending me letters every day. I do not know what to do, I am wits end and so frustrated I could scream, actually I already have done that.

My wife and I were trying to celebrate our 47th anniversary, and this made for a terrible evening. My chest started hurting, and I calmed down after a while, as I have had a heart attack in the past and take meds for heart trouble. I feel these tactics are not necessary, and I already know that I am in a trial mod and his comments were not necessary. Since they record all calls, then these comments should be on a tape somewhere.

In November 2009, they asked me again to send the same paper work. I sent the same material papers on two different occasions. Back in November 2009, they told me that I, Doris E. (mother) didn't live there and I said yes; I know that and the Loan Officer that was assigned to us for the loan also knew that I didn't live there and that's why they have a different address for me. I called them back around January 2010, they said send me a copy of the check that bared both our names, which I also sent a copy of that check back in April 2009. I asked my daughter to deal with them because she is the co-borrower. She sent letters explaining her problems and gave them again all her financial information for a 3rd time. Eventually they contacted me on 3/16/10.They said the loan was made to me (mother) Doris E and because I didn't live there; I was denied.

I immediately said that cannot be. She was a co-borrower as well as me; as we both took turns signing the loan papers page by page on separate lines and consolidated her debt for pay off. Chase Mortgage gave me the impression that we were both making this loan. They again said that I was denied the modification loan because, I the mother didn't live in the house and that the loan was made out to you only. I said, the loan specialist knew that I didn't live at the house. He used my good credit score, because I told him that my daughter who was sitting right beside me, signing these papers lives here. Now that she is laid off, they do not want to help her.

She is unemployed and it is hard for her to make the payments. I copied all the loans paper that bared our names and they state: Doris E. and Doris S as Borrowers. My daughter's name is throughout the loan papers. Then Paul, the Chase representative, said "I don't see her signature on the paper work. I said, I don't see Chase either. I don't have a signed copy of the loan paper because the loan officer did the loan transaction at our house and didn't have a copier with him.

They told me to reapply because Obama had instituted more programs. I, of course, immediately applied again in Sept 2009. As of this moment, I have yet to get a clear response, they simply tell me the account is complete and is currently being reviewed by a negotiator since mid January or beginning of February. This is ridiculous that I have yet to hear back from any representative advising with an update. I am already two months behind, my financial situation its worst than ever. I don't know what else to do.

I have called the executive offices several times. I have filed with the FTC and will do it again. How can they testify in Washington how helpful they are when Washington should hear from Chase's consumers, that would be the truth of the matter. If Chase accurately updated our credit report for the past year or more on time, as agreed, payments which we struggled to make, we could get another mortgage loan with a much better company at an affordable amount. Due to their disregard for their consumers, they keep us bound to their ridiculously unprofessional and disgusting terms.

In Jan. of 2010, we were told that we were denied because my husband was drawing unemployment and that in order to receive the mod. loan, you have to be working. We never received a letter saying we were denied, all this was on the phone. On Jan. 8, 2010, my husband went to work, not in the oilfield, but for a coal mine and his pay is less. We called Chase to inform them of this and they told us we would have to write a letter to cancel the forbearance agreement and to re-apply for the home mod. loan.

We did not even know what a forbearance agreement was or that we had one with Chase. A rep at Chase told us to send in the packet but she didn't think we qualified because my husband's income wasn't enough. When we call the people at Chase, they transfer us at least 4-6 times to different departments and you can never speak with the same person, all they will give you is a first name and that's it. There's no employee ID # or anything, no way to document who spoke with. Every time you call, you get a different answer about your loan. How are we going to get any help at all?

I called Chase to find out what was going on. The person I spoke with then said, "Oh, you are right, let me re-work the numbers and send you a new payment. At this time, she did send me a new payment, that was only $100 less than my original payment, and a forbearance letter that I had to sign. She advised me that this is the first step to lowering your monthly payments. Again, I realize now that I should have been sent directly over to the refinance department because I was not behind on my mortgage at that point. We signed the agreement and began making the new payment. We were told to call every month to check on the status of our interest rate reduction. I not only called monthly, I called every other week, sometime once a week etc.

Meanwhile, while I was doing what I was told, and every time I called, they told me that they were waiting on my investor to finalize the papers. I was receiving collection calls, saying I was one month behind, then two months behind, and every time they called me, it seems that the amount that I owed continue to grow. This went on for months! Again, I kept calling to check the status of my interest rate reduction. In October, on Halloween, I called again and spoke with Linda, she again advised me that they were just waiting for the investor. I said to her at that point, if this was going to take so long, I would have gone elsewhere, if they don't want my business and continue to put me off, I would go elsewhere. Her response was, "You can do this through us for free, or you can pay and have it done somewhere else." Now, at this point, I was out on disability and my husband now has furlow days.

So needless to say, I had no choice but to wait out this horrible process and continue to call and check the status. In December of 09, I received a call from the collection department advising that I owed them over $7,000. I was so confused, and afraid that I was going to lose my house, I proceeded to explain to her my whole story all over again. I was applying for an interest rate reduction and the whole long process of calling etc. After hearing my story, she put me on hold for a while, got back on the phone and proceeded to tell me that my paperwork was sitting in the wrong department for seven months! How I asked, could this be when I have called numerous times throughout the month and was told, they were waiting for my investor to sent the paperwork? She then sent me over to another department who may be able to help.

Of course, there was no supervisor or anyone with any authority that I could speak to This was nothing new as I was told this every month when I called. I was, however given a phone number to call for a department that might be able to help me. After leaving several messages and continuously calling, I finally got someone on the phone. I spoke with Erica ** in the loss mitigation department. What is this? Why am I in this department...are you foreclosing on my home? I did everything you people, "the experts" told me to do to get my interest rate lowered.

I again explained my whole story and asked why, if my paperwork was sitting in the wrong department, due to Chase error, why then could a supervisor just take charge and take the process back to the beginning and start where I had originally called for an interest rate reduction and put me over to the refinance department. I was told that this is impossible because I am behind on my mortgage. Well, again, I was behind because of what I was told to do by your "experts".

Well, there is nothing she can do about that, but she can modify my payment. She assured me, she would call me on Monday with my new payment and as far as owing all the money that they said I owed, she said that money was miss and not applied to my account and she would work it out and call me on Monday. Monday comes and of course she doesn't call. But I called her and called her and called her for days on end and left at least 50 messages. No response, again. I finally just started putting in any extension to get someone on the phone, because if you don't put in an extension, Chase will automatically hang up on you. This I had learned over the months of trying to contact them. I finally got someone on the phone and they said that my paperwork was with an underwriter and again needed Freddie Mac approval. I would be hearing something shortly.

I finally looked Freddie Mac up on line and called them directly to see if there was anything that they could do for me. I was advised by Freddie Mac, after giving them my information that they didn't even have a file on me. Imagine that! I then called the federal reserve to see if they could help me as I was in something that I didn't want to be in, not what I was applying for and I thought that they are the people who oversee the banks to make sure that they are doing what they are suppose to do.

Again, no, they could not help as far as the process of making Chase do what was originally suppose to be done be done, but they could call Chase and help me move the process along. We finally got a Chase representative on the phone and he advised that a package was sent out to my house with a new payment amount, a package in which I never received. Now, the payment amount was even more than the first payment amount that was wrong. This is because I am now behind on my mortgage, I have late fee and they started paying my taxes, which I usually pay myself!

I went to the tax department and sure enough, we were both paying my taxes. Shortly after this phone conversation in which the gentleman at Chase advised that there was nothing he could do, even though it was an error on Chase's part to begin with and it was what it was, I received a letter from Chase advising that due to the fact that I did not sign the documents that I now had four options: sell the property, go into a forbearance, which is what they did originally which is what got me into this mess, enter into a repayment plan, which was to pay the outstanding amount owed over a six month period of time, or refinance out to another lender, possibly for less than what I owe.

I did contact quite a few other lenders and a credit counselor to find out what to do. Come to find out, I could not refinance out through another lender because Chase had reported me late and the other companies could not get approval for the loan through Fannie Mae or Freddie Mac. The repayment plan is something that I could not afford, as I was out on disability for six months, have ongoing medical costs, four children, one of whom had some troubles with his driving and my car insurance has now gone from two thousand dollars a year to ten thousand dollars a year.

They wanted me to pay an additional eight hundred dollars a month in addition to my regular payment to catch up. Needless to say, the last year of my life a well as my husbands has been extremely stressful, this whole process and I believe hindered me recovery from spinal fusion surgery and just has created so much pressure and stress and fear of losing my home I can't even begin to express. All because the first phone call I made to Chase, I was given the incorrect information.

Should not Chase have taken responsibility for their wrongful advice and done what was originally asked? Why is that I must comply with whatever they say and whatever they tell me I owe and they are not responsible for anything? After reading many websites, I have come to find that I am not the only person whose life Chase has destroyed.

I just heard on Friday that now there will be a new program available that helps homeowners that owe more than their house is worth. I am going to request this from Chase, however I also read an article that Chase is the only bank not participating in this program. But at this point, I do not have any other options that I am aware of. If you cold possibly help me or direct me. I believe in my heart that right will prevail somehow, somewhere. Is there any action that I can take on my part, be it joining a class action suit against Chase? Kindly advise me of what my best option would be.

I received threatening letters and have had harassing visits from collectors at my door on 3 separate occasions demanding payment. They have been extremely forceful in their tones, and, as a result, have caused a severe amount of stress and elevated blood pressure in me. I have never encountered so much stress in trying to do the right thing. It has been a horrible experience.

The collection department has no idea (nor do they care) what the modification department is doing. My reduced payments under the Trial Modification Program have been going into a "suspense" account, however, my late fees and interest are still compiling. I have developed severe ulcer-like symptoms as well as elevated blood pressure as a result of the harassment from Chase representatives.

They have been told that Chase "does not make deals"! We have called them everyday since we received the denial and they have told us to start the modification process again. Why? So we can be 2 yrs late with payments? Up to a yr ago, we have made our mortgage payments on time, struggling some months to do so, for 14 yrs. We want to stay in our home, but it seems they are forcing us to sell or face foreclosure. And of course, no other bank will finance our mortgage because our credit rating shows us being in the foreclosure process. So much for helping people stay in their homes.

After calling several times and getting no getting no where, I called Wells Fargo and the bank representative told me to call and ask for Chase's Compliacne Department and report how I was being treated. When I called and asked for compliance, I was immediately put through to the modification department where a woman very rudely told me that I was not eligible for the program because my mortgage was not late. So I decided that I would apply to stop the PMI insurance which would reduce my $1250.00 mortgage payment by $157.00.

Chase declined my application stating that I had been late on my mortgage payment. Then Te Neighborhood Assistance Corporation of America (NACA) came to Charlotte, NC. NACA billed itself as having relationships with banks that forced them to do the right thing for its customers and modify their loans. I stood in line starting at 7:30 am, was hustled from one location to the next. I sat with a NACA worker; we went over my budget and based on my income and budget, came up with an affordable mortgage to present to Chase. The Chase representative dismissed the request stating that my mortgage payment was not late.

I left at 10:30 pm, with no loan modification after listening to people all day standing on a podium telling what was done for them by Wells Fargo, Wachovia and even, Countrywide. Not one person ever announced that Chase had modified, lowered or helped them make their loan more affordable. Chase is not interested in helping US homeowners because they are not a US bank and are not subject to US laws. Chase and banks like them need to be barred from doing business in this country. Our legislators need to help us... not the banks! Currently, I am not able to pay for utilities and am buying food and keeping gas in my car to go to work and paying my mortgage. It is not going to be long before I can no longer pay my mortgage either. I do not know where me and my children will go. I hate Chase and all it stands for.

My background is that I retired from the United States Navy as a Command Master Chief on February 1, 2007. I served honorably on active duty for 26 years. I was hired by a company and worked for them for two years and lost my job. I was making over $84,000 a year with them. Now, I have been unemployed since October 9, 2009. I have decided to go back to college and finish a degree program that will qualify me for career employment in the local area making $70,000+ a year. Without the degree in this economy, it's hard to get a good paying job. All I want is a little relief until I can finish my degree in the next 24 months. I have great credit up to this point, 754 last time I checked last week. I would like to keep it that way. I don't want handouts but any counsel or help of any kind would be much appreciated.

Before we could finalize the sale, I was informed that the buyer's credit had changed and they no longer qualified. At that time, I made a payment to keep my account current. The payment was sent on 1/19 and they returned it to my bank on 1/25. No one at Chase contacted me to tell me why the check was returned. On 2/4, when I realized that the check was returned, I sent another payment with $35.00 added in case they returned it because I had missed the Jan 15th due date. I also mailed my Feb payment on 2/10. Both checks were returned to my bank account by Chase, again with no explanation.

My wife called to speak with someone in customer service and was told that they didn't know why the checks were returned. After 2 hours of wait time and being transferred to multiple people, still no answers. My wife called our bank to confirm that the payments had the correct account number and mailing address and everything was the same as it had always been. Once again, my wife called Chase and again was transferred to multiple people.

Finally, we were told that the reason that the checks were returned was because they weren't paid with a money orders of bank counter check. We were never informed that we had to pay this way. The monthly statements we received didn't specify a different form of payment. When my wife asked the person, Donna, at Chase to provide documentation proving that we were aware that we were suppose to make payments by counter check, she became rude and could not provide any written documentation.

I made my last payment to Chase with a counter check for the total amount that was due since January and included the April payment as well. I called Chase customer service and was told that my payment was received on 3/16 and I was current through April. This has been escalated to the executive resolution group and after 6 messages left by me, I still have had no return call by the assigned agent, Cornelius S. Chase has reported these as late payments and my 802 FICO score has dropped to 665. I have disputed the information on my Equifax credit report and the final decision from them is that Chase was reporting accurately. Since my credit was damaged by this, Amex business credit card dropped from $20k limit to $1800. I don't understand how Chase can damage my credit when in fact I have been paying every month just like I always have.

As I sit here in total frustration, I just got a bill from Chase stating my 'wind insurance', (if you are not from Florida you don't know what that is--suffice it to say it's an expensive way for the mortgage company to rob you) was not filed correctly by my insurance agent and what was to be a $1,003 annual premium is now $10,234! I guess 25 Billion is not enough for their profit margin. I feel I am being discriminated against due to my disability.

This Oct. 31, 2009. Well, we made all our payments on time accordingly and now we have received a letter dated February 22, 2010 stating that they (chase) discovered another error, for $7429.50, what the hell is wrong with this company, do they know anything about bookkeeping or accounting? And how come all of this was not discovered at the last few months of the bk, just before we were discharged.

The bk attorney sent us a letter stating it was checking with the all creditors before we could be discharged and so what was Chase doing, if they were short how come this was not presented to the court showing this amount? I am sick and tired of this mortgage company not knowing what the hell they are doing, but making a person life miserable. Please help with this problem. This has given me sleepless nights, and my depression is severe.

Subsequently, Chase now has me in default with my old loan in the amount of $1411.23. I have contacted the loan officer, Lorina M., to no avail. I have asked her to contact their closing department and complete the steps needed to close out the old loan because of my concerns about my credit being adversely affected. Another representative within the company also contacted Carl S., who did the initial application for the loan and I have heard anything from him. I am frustrated and I do not have any other options to handle this on my own.

When I compare the paperwork from the two different closings, the bottom line number is 64,021. To highlight, I simply contacted the same company that I had the original mortgage with to refinance for a lower interest rate and ended up in default because of their employee’s negligence/incompetence. My credit score has dropped. I have always had very good credit and this has affected it to no fault of my own.

Today, I feel that I was not even being considered for a modification at all. However, due to my current circumstances and the magnitude of my need, I will submit copies of my previous requests along with the documentation that your office is now requesting. So without much of a choice, I must submit myself to the time it will take their office to decide on whether or not I am an actual borrower; and if being unemployed is actually a cause for hardship. Hopefully, your office can make a decision to modify within 30 day’s time.

It is now March 2010, and still nothing. I have contacted them weekly to see what the status was, made the "trial" payments as instructed, and then last week got a foreclosure notice in the mail! They had declined it saying I had a surplus of funds. I guess it is somewhere we don't know about! I would have never been behind if we did have it. Now they want to put me on a "repayment" plan of more than tripling my original payment amount. If I could not catch up before, what makes them think that I can now?

I also think that they put you in such a bind, you can never get out of it! It also ruins your credit, because they tell you if you are approved for the modification that your late payments will be taken off your credit report. Now they are showing on there and they don't care, and really offer no one to talk to. You never get a supervisor! It probably is the idiot next to them in a cubicle they just say is their supervisor. I suggest no one do the modification through Chase. I will go to any lengths to make them make this right with us.

Today, I get a letter from Chase (March 15th 2010) stating that I owe them $66.90 in "other fees." I called Chase up and asked what these "other fees" were. They could not tell me. Finally after what seemed like an hour on the phone, I am told that "perhaps" these fees are the result of Chase auto billing my checking account each month and being declined. Well, no, duh, they are declined, as I am not enrolled in their auto pay system. Chase bank refuses to correct, has declined to explain what these "other fees" really are. Instead they agreed to send me a detailed statement. Wow, that is really going to help me out. Get a statement listing "Other Fees" but not telling me what those "other fees" are for. I think this is just another example of Chase Mortgage taking advantage of the Washington Mutual customers, and the entire debacle surrounding the merger.

I immediately called Chase, who didn't even know who I was based on my SS number. It took quite some time before someone could figure it out. In the meantime, my creditors while checking out the credit reporting agencies info on me decided that in some cases to cancel my credit and in other cases to lower my credit limit considerably. I feel like this has been very detrimental to my credit, and my health to have to continue to try to explain to everyone what happened to me.

I have asked Chase for a letter describing the reason for their stealing my identity, but so far I haven't gotten the letter. I have spent hours writing letters, and trying to talk to people on the phone, and nothing has gotten results, except for them to say they have fixed the error and reported to the credit agencies that I have paid the past due.

That is not good enough. I want an explanation as to how and why this happened so I can try to get my good credit back. I am 67 years old and have always had good credit. Now, in one typing error, all that is gone for good it seems. I had a lawyer write them a letter also.

Yes, they impounded my account, which was not impounded before. I could not afford the impounds then, nor can I now. Under the MHAP impounds are required. If that is the case, I just need the loan to be extended for a longer term to make the payments affordable. This is so unreasonable that it makes me sick. I am not asking to walk away from anything, just extend the term of the loan. Imminent foreclosure. The proposed modification is set up for the bank to force me into foreclosure.

On occasion, I have been put in touch with their "supervisor" or even referred to the department that handles cases such as this. I explain that I am not "Willy ---" have never used that name and have no dealings with Chase. And never will I might add! I have been assured that they will remove my number from their call list. In spite of this, they continue to harass me and this time it is way over the line. They called me on Sunday morning before 7:30 AM. They never provide their names, and on this occasion would not permit me to talk to their supervisor. I want this harassment to stop, once and for all.

Can you help or direct me to an agency that can help?

I decided to wait for a while to re-finance to just lower my bills. I still have the 7.065% loan with Chase.

During the late part of Nov. 2009, again I, was contacted by Chase. Chase called me, by Shane **. He started by explaining to me about the high interest I had and that a new government plan would let me re-finance with any money except a one time up-front charge of $750. I explained to Mr. ** about the bad experience that I had had with Chase during the last year and I told him that I would just wait till I paid off some of my credit cards before refinancing. This way, I would be sure it went through. Mr. ** kept insisting that I was making a mistake and that the interest rates would go up.

I told him I understood that the rates would go up and that I do have a high rate but I insisted that I would have to wait because my business money was tight at time and I was **** about the last experience with Chase. Mr. ** seemed that he didn't want to listen to the points that I was making. Mr. ** stated that under the new Govt loan that we didn't have to verify anything, my salary or bills and that I could just put the $750 on my Chase credit card. I again told Mr. ** that I didn't want to charge my credit cards, that I would wait till they were paid off and refinance. Mr. ** said that he would send me some information on the refinancing, just in case I was interested. At first we had talked about a 15 year loan.

I received the refinancing information and after looking at the savings I could get on the 15 year loan and a 4.0 loan. I decided to look into it. I called Mr. ** and again went over the facts that yes, the loan would be great for my finances but at this time I'm expanding my business and my money was "very" tight. He again assured me that the $750 would be the only charge I would incur.

So I decided that I would go with the refinancing, since Mr. ** had assured me several times that that was all the out of the pocket money that I would need and then he remarked about the saving I would get by not having to pay the first month's payment, that I would skip a month. I gave Mr. ** permission to charge the $750 to my Chase card to start the process. After expressing my disappointment over the last loan and being told it would take only so long, Mr. ** assured me that the settlement date would be around the first of Feb. 2010.

In a few days, I was contacted by Mr. **. He told me that I would have to send him some paperwork verifying my salary and checking account and any other savings. I brought up the fact that he told me this wouldn't happen, he made several excuses and just kept telling me of the savings that I would have. I was asked to have my insurance company to send paperwork about my homeowner's policy which they did. I also sent the requested information.

After Feb.1, 2010 and not hearing from Mr. ** for a while, I contacted him about the closing. Again, he gave me several excuses about how busy Chase was with loans and the time frame but again, I reminded him that he and Chase set the time period, not me, that they should be aware of how long this would take. Again, I voiced my concerns over the last refinancing deal I had with Chase and again, he told me there was no problem and it was just about ready to be closed. He told me he would call me within the week with closing date.

After a week went by, I contacted Mr. **. He said some things had come up and asked me if I had any other checking accounts. I needed to verify how much money I had at the time. Again, I asked the question why this was being asked for, that I was told several times that it was a simple deal and that I needed no back-up paperwork. Mr. ** again made several excuses but by now I was three months into the refinancing, so I sent copies of my checking account. I thought to myself that they were just seeing how much money I had so if they want to charge me more.

When March arrived, I contacted Mr. ** again and let him know that we were into March now and that this refinancing seemed a copy of the other. He again said how sorry he was but now he needed a copy of my insurance policy again that the last one had expired. So again, I made arrangements to send the paperwork with my agent.

On March 11, 2010 at about 8:30 pm I received a phone call from Mr. ** about the refinancing. He said he had some bad news but I was still saving. My heart sunk because I knew he was going to tell me I needed more money down. Guess what? Now I need another around $2,800 and that I was still getting a good deal. Mr. ** is a very fast talker but I don't mind stopping him to let him know that he misled me all this way and now I have to come up with around or more than $2,800. Now it's up to $3,550 out of my pocket, the pocket that I told you in the beginning I didn't have. He kept saying I wasn't seeing the big picture, what a great deal I was getting, 15y rs mortgage, great 4.0% interest and now that I was putting more down, my payment would be less, does every one know how much $2,800 more lowers a $245,000 dollar mortgage payment.

I kept telling him it wasn't the money, and the savings. It was the point that he misled me. He says that he has been doing this a long time and knows what a great deal I'm getting. I tried to tell him that I understood everything. I'm not stupid and I have refinanced my house several times. I do understand that I would be lowering my mortgage to a 15 yr mortgage and only raising my payment a few dollars by going from a 7.065% loan to a 4.0% loan. I do understand that. But the point is that in the beginning, I clearly advised Mr. ** that at this time, I couldn't afford any more money because of my business. He said he understood that and repeatedly told me that it wasn't going to cost me anymore money.

Now that Chase has me over a barrow, they had just checked my Bank account to make sure I had money. They didn't want my Business account, they had paperwork showing my average deposit was $10,000. Chase or ** wanted my personal checking account and knowing what a great deal I'm trying to get, now they want "around", again, that is "around" $2,800. Chase knows I'm against the wall and it would be stupid not to pay the $2,800 additional money. Chase knows I have it. Chase not only knows I have it, they also know that after I pay my bills that I still have it, just from my banking records they obtained even though I was told they weren't needed.

What do I do? I'm not stupid. I'd be better off with the refinancing but this is not right. Chase, or it' employees should not be able to mislead you and drag things to the last minute before telling you about the additional cost. I can lose the $750 I paid them last year and this year and refinance with another mortgage company and deal with all the paperwork which would require more time that I have right now or I pay the $2,800 and just suck it up.

I made it very clear to Mr. ** on the first conversation we had that I couldn't afford to pay any additional cost. I told him this several times. He talked personally with me. Now it seems that he only wanted to know about my finances, what my hobbies where, like checking to see what I own. I thought he was just being a nice person but now it seems that he was just sizing me up and seeing what type of person I was. He even said to me that if I was a good business man like he thought I was, that I would see that the right thing to do was go through with the refinancing. In the long run, it wasn't really costing me but a little more money since I didn't have to pay for the next month's rent $2235. They want to settle during the week of March 15, or so they say.

After repeated requests to send documents that I had already sent Chase nearly 8 times, I was told in Dec 2009 (after re-faxing the documents yet again) that Chase had 30-60 days to make a decision. After watching the calendar intently for 60 days, I called on day 61 and was told that my case was being assigned to an underwriter because it was taking so long and he had 30-60 days to review my file and make a decision.

Now, here it is March 2010, I have spoken to the Justin ** twice and have re-faxed updated documents two more times. The calendar is slipping away and I have come to the conclusion that this is Chase's way to keep the stimulus funds for themselves. I am still struggling, can't find a trustworthy roommate, haven't gotten a pay increase in 2 years, am now facing another medical issue (knee replacement) and am no closer to finding out if I can get a loan modification, much less have one in place. Chase's business practices are sleazy and they train their staff to be deceitful. If there is a class action suit, please sign me up!

They then informed me that during this time, they would put me in forbearance and to make payments via cashier's check for $790.65 (which is $60 higher than the reg. payment) on the 9th of every month. I thought it was strange that they wouldn't accept a personal check since I had written a check to them every month for 4 years and never bounced a single one, but I went with it thinking I could trust them. I also couldn't understand how raising my payment was helping me. I received the forbearance paperwork, signed it and mailed it immediately.

I called every month as instructed to report my payment and check on my mod. Every month, I was told everything is fine, still processing, keep making your payments. After Oct, Nov, Dec, Jan, Feb passed and still no mod, I called to find out what was going on. This was yesterday and I called to report my payment and get down to the bottom of it all. I spoke to Anthony and was told I claimed bankruptcy on Jan 15th. I may have lost my job but that doesn't mean I claimed bankruptcy.

I explained it was so untrue and how did this get put on my account. He was very unsure and was going to get this fixed right away. He checked their bankruptcy listing and confirmed we had never claimed or filed for bankruptcy. He also informed us that this error kicked us out of the home mod program and there was a scheduled sale date for our home on March 18th. I was angry. Was he telling me that struggling for the last 5 months making a higher house payment and thinking we were going to get modified was all for nothing and now we are losing our home in 10 days?

After talking to his supervisor he told us he was emailing all the underwriters and their supervisors and we would get this mod to the top of the list. He also said that he had stopped the sale and we should make our next payment of $754.78 on April 1st. I was feeling a sigh of relief until tonight. I received a call from Chase to inform me that I do not qualify for the mod program because I lost my job. I was so confused; my wife is employed and they had our check stubs and information for months and they are the ones that told me we needed to do the mod in the first place because we were "the perfect candidate". What is going on?

I am getting unemployment benefits and actively looking for full time employment. We have been doing everything they asked including making these larger payments on time every month since September. She said the only thing they could do is put us back in forbearance "if approved" or pay $4442.41 plus fees. I feel so violated. If I come up with the money to pay all of this to keep my home, how do I know they won't sell my house anyway? I can't believe they are getting away with doing this to people.

I have been on time for 4 years and now that I need their help I am just **. If I knew this was going to happen, I would never have gone into the mod program. I would have just found a way to get current. I thought the mod was the best thing for my family and the government has been funding these programs to help people. I feel like a little fish fighting a lion, please help! They said there was a sale date for March 18th, but they were going to put a stop to it. I'm not sure I believe anything they say after all this. I am so afraid they are going to sell my home after taking all the trial period money from us, then denying our mod.

Yesterday I called to make another payment (I thought I should until we received info on what to do next) only to be transferred to the litigation department to tell me that our home is in the process of being foreclosed. Also yesterday, we received a letter in the mail from Chase telling us and I quote "Our records indicate that your loan is in default and you have breached the terms of the mortgage, security deed, or deed of trust securing the loan."

1) You are in default because you have failed to pay the required monthly installments commencing with the payment due on Oct. 2, 2009, late charges and fees incurred or paid on your behalf. 2) As of March 5th, 2010, principal, interest, escrow, late fees, and charges/fees of $8971.90 are past due. 3) If there is a reason to dispute the debt, or any portion thereof, you must notify Chase Home Finance within 30 days of this notice. Otherwise, Chase will consider the debt validated.

That's just some of the letter. It's telling us we need to pay ASAP. What's even more amazing is they included a form stating that we might qualify for the Home Modification Program. Trying to save our home through Chase Home Finance through the modification program has been a total nightmare. I have written to the media and filed a complaint with the FTC and yet have heard nothing from anyone.

We don't have much time before they take our home. I can't believe that we as consumers have no right to stand up to what Chase has done to us. We truly need help. Through the home modification program, Chase has ruined our credit. Now they are planning on foreclosing. We have had no contact from them as far as sending us any info about the modification. We still haven't received a denial letter. We both were so stressed that I'm barely sleeping at night. I can't believe that this can happen in America.

All the paperwork went through very smoothly and we were then contacted by Ms. Shaun ** who told us that she was sending our file to underwriting for approval of our new loans. Neither Mr. ** or Ms. ** gave any indication that we would not be approved or that there would be a problem that would prevent that. We both have excellent credit ratings so we knew that wouldn't be an issue. Then yesterday (March 8), we get a call from Ms. ** telling us that underwriting denied our loan because we made too much money. I have never heard that in my life from any mortgage company.

This is not the first time that Chase Mortgage has ** us. Back in 1998, when then President Clinton had all those initiatives for first time home buyers and owners, we wanted to refinance our mortgage for the lower interest rates that were around then. We contacted Chase and heard nothing from them until the interest rates started to creep up again. So before the rates went back up to what we were currently paying (8%), we refinanced with another mortgage company and got the rate we wanted.

Chase started chasing us, begging us to come back, but it was too late and we were very happy to get away from them. Now with our 2nd house, it seems like we can't escape their grip on us and we don't know what else to do. About a year ago, we tried to refinance our first mortgage with another company and once again Chase blocked it. Chase refused to subordinate so the other mortgage company said they won't deal with the hard heads over at Chase and closed our file.

What's happened is that our 1st mortgage adjusts to the current interest rate on 4/1 of every year. 2010 is the 2nd adjustment. Thank God the payment went down, but for how long? When the interest rates start rising again, our payment will rise too and there's nothing we can do about it unless we find a lender who is willing to take us completely away from Chase. Because of our topsy turvy loan, we're not sure if that will happen in spite of the initiatives that President Obama put in place last year to help out homeowners like us.

Chase dangles refinances like carrots then at the last minute, they yank them away. They seem to get a perverse pleasure from tormenting homeowners. Thank God we're not in any financial straits right now, but anything can happen in the future. If there is some class action lawsuit to be filed with the dozens of disgusted homeowners here on your website, we will be very interested in participating. We seriously question Chase's business practices and their loyalty to their customers.

I have told at least 20 people already and will make it a point to relay to as many people as possible to avoid Chase Bank, period. This has caused me frustration.

While I was looking for work, I had a few medical emergencies. My son was placed in ICU due to his appendix bursting and then I was diagnosed with cancer in my legs and I had to have surgery immediately. That is when I contacted Chase for assistance with my home loan. It was a difficult task. I was never able to get any real answer as to what was going on with the review of my loan and if I qualified for any programs either it be in house or the government programs that were placed to assist homeowners such as myself.

I finally received a letter from the lender stating that I was approved for the Making Homes Affordable Program and that I needed to make the payment in the amount of $1419.30 for the months of Nov., Dec., and January. Per the agreement and also the reps at my lender stated that I need to do this agreement that is government backed and then I will go into final review for my permanent modification. I made all of the payments and was not late. I felt such relief knowing that I am making progress with my mortgage and that I was not going to lose my home in which I worked so hard for.

Then the news that the lender came back to me with crashed my whole world. They stated that there is nothing that they can do to assist me. The investor on my loan is not part of the government programs and that they are not part of any modification programs. They stated that I have to pay everything that I am delinquent at this time or there is nothing that they can do. They will and can take my home back. There is even a sale date posted for 3/16/10. Please help me. I want to keep my home for my kids and I.

After months of dealing with different people and "non received faxes", we finally got approved for a temporary loan modification payment. We were told that our new loan would make this payment permanent and close in approx. 3 months. Ultimately, we were turned down because we "didn't make enough money". Isn't that the point? We could afford and made the modified payment but they would not approve us. We have since re-applied twice by Chase calling us and telling us the program was better now but got turned down each time. What are we supposed to do? Chase is not acting in good faith with people. This has caused emotional distress, ruined credit and pending foreclosure.

In 2008, a tax bill was overlooked, and Chase paid it. We subsequently refunded Chase for the tax payment. We pay our own taxes, and our insurance for our properties. The monthly payment on our fixed mortgage for our primary residence is, and always has been, $738.68 monthly. Our combined city and county tax payments average $1,600.00 per year. Our insurance is approximately $600.00 per year. All of these we pay directly. Chase has attempted to increase our monthly mortgage payment by $1,010.46, which is $12,125.52 annually.

They list this increase on the mortgage statement as escrow. They have refused to correct this, and of course, have provided no justification for it. We have spoken to numerous people in numerous departments, all to no avail. We have sent numerous correspondence, and proof of payments and insurance, all to no avail.

My husband and I are senior citizens, and in our seventy plus years of existence, we have not experience such incompetence and rampant disregard for customers. We have had one representative who seemed to genuinely want to help, but even he couldn't seem to get anything done about it. We have been told that we are bad homeowners. We have been told that we had better hope that we don't come home, and find our doors locked, and our things on the street.

Of course, Chase has been erroneously reporting the mortgage payments as delinquent to the credit bureaus. We have sent requests to Chase that have not been addressed. We have come to the conclusion that we are going to have to hire a lawyer to sue Chase, in order to get them to correct this. We have been informed that they are definitely in violation of Section 6 of RESPA. We are constantly receiving threatening phone calls and delinquent information has been reported to the credit bureaus.

I also asked why we were denied. Keep in mind we haven't received a notice as of today, March 4th 2010. He stumbled and said, your husband doesn't make enough money? Amazing is all I can say. So one day after hearing the news, I'm sitting here trying to get my voice out. I truly do not know who to turn to.

On February 1st, they again withdrew money from my bank account, it was too late to stop the payment with my bank (so I disputed the charge). I called Chase Bank and was told they were going to reverse the payment and I should see a refund in my bank account in 3 days. On the 5th day, I called back and they stated "My Bank" would not allow them to reverse the payment, so they were going to overnight me a check. 4 days after that I called back and they gave me a FedEx tracking number. The check was mailed to some random address in Virginia (which was confirmed by a FedEx rep). I live in New Jersey. After another 20 minutes on the phone with Chase, they stated they had to put in a work order to cancel the first check and send me out a new one. They said it will take 7 days. I don't have my fingers crossed.

This has gone on for months and it is absolutely a shame how unprofessional Chase has been. After six months of being told that my case did not have all the paperwork and resending it to having been told that my case is in with a negotiator to being told it was close, I have finally come to the realization that Chase is not trying to modify their customers loans and are just giving them the run a round. We need to report Chase and notify the necessary departments to investigate them.

As others in the queue have indicated, my loan representative, Thaddeaus of Columbus Ohio did not return my calls or emails. I was suddenly told my debt to loan ratio was insufficient even though earlier reps had told me I was okay, especially given my home's high value and my high credit score. Now I am out $850 and can't get anyone to talk to me.

They put the payment towards the interest or principal, and that was about 4-5 months ago. I have called well over 35 times (about 40 hours wasted), and asked to speak to a supervisor, and they say I just need my account number when I call. I have to first prove who I am, then they ask me to hold for 3-35 minutes while they check the file. The person, after I tell them the story says, "I understand why you are upset and I would be also".

They either put me through to supervisor, or say they will immediately fix the problem. They tell me to go make a payment, which I always do when instructed, and say as soon as you make the payment, I will call you back tomorrow to make sure you did it, and will follow up and call you tomorrow (they never did yet). Many times, they switched me to other non-related departments, or asked me to hold and never come back, and hear a dial tone after a long period of time. The situation never has gotten resolved, and they just keep receiving my payments.

This last month, my statement said that my current amount due was $13, 802.13, and the person that I talked to said I would be current if I paid $4040.17 after reading my case notes. They make it impossible to reach a top customer service professional who cares, and they never have shown any remorse, or effort in giving remedy to the problem.

I have suffered nerves problems, countless hours wasted, a fortune in extra charges, and close to being hung up on, or switched to the wrong department close to 100 times. I need to refinance, and this stalling has wasted about 4-5 months, and I am afraid interest rates may have already risen tremendously in that time period.

I contacted Chase on 1/12/10 and explained what I had paid. They told me that they don't take partial payments. I had (2) of my payments posted to principal and (2) of my payments were in a suspended account. Today is 2/24/10 and I have talked to (6) people at Chase since 1/12/10. It still hasn't been resolved. I had asked to talk to a supervisor on several occasions but was not given to one. Today, I demanded to speak to a supervisor and finally, I got one. I went through the whole story (for the 7th time) and she told me that she would research my account and get the problem fixed. I have also been told (6) other times that the problem would be fixed. I am still waiting.

After we made the payment, Chase tried to disqualify us on a late payment. Our payment was due on February 1, 2010.We made our payment on January 29, 2010 on an electronic withdrawal and Chase did not post the payment until February 4, 2010 and told us we are in foreclosure because we did not make the payment in time and we have been disqualified. We tried to contact Hays and Associates for three days and no return calls. My wife threatened them we would go to the news media. Our call was returned within the hour. Hays and Associates called Chase about the late payment and Chase made a mistake and pushed the wrong button.

Chase tried to disqualify us and take our home. They couldn’t because we made our payment ahead of time. They wanted to post it late to make us late. Hays and Associates got Chase to continue with the current forbearance plan. We made one payment and our next payment is due March 1, 2010, and before our next payment Chase sent us a new forbearance plan of making a higher payment of $1,437.92. Chase is saying make this payment on time or be disqualified. Is this going to be like this every month?

We can not keep making these payments. We are on a limited income. We are on Social Security and we do qualify for low loan modification of $650.90. Chase came out with another forbearance plan and the payments would be higher. Our payment now is $1,437.92. We are seniors and we can't continue at this rate. We have other needs that we need like food, power, clothing, personals, and fuel. I was under the impression that Obama loan modification was to save people’s home.

Something has to be done with the process of Chase Loss Mitigation. No one knows what the other one is doing! I would like to reach the Vice President of this department, a President or anyone that will assist me.

He sent us two good faith estimates that contained high fees. When I queried the first one, he said not to worry, it was a ball-park estimate that was not close to what the actual amount, which was puzzling and seemed to contradict the term "Good Faith". In September 2009, they finally had an appraisal completed that showed we had $70,000 equity in the home, which covered our loan to mortgage difference, but due to the loan officer's stalling the deadline passed on that appraisal, so a new one was required. In the space of three months, the property lost $50,000, which meant I would have to front $40,000, plus loan fees.

The loan asked me if I still wanted it. Clearly, this was no longer feasible. I am aggrieved that the bank can treat its customers in such a cavalier manner. From reading the other complaints, it seems that this lack of professionalism is endemic in the institution. I thought I was just unlucky with Zamorano, but the treatment we received of not meeting deadlines, losing documents, never knowing the status of the loan, not returning calls, being promised bogus loans, and of course charging 750, for the pleasure, seems prevalent. Maybe it is the new bank policy, and as they act as they are named and the consumer truly has to chase them for service. Seriously, though, I want to know what consumers can do to protect themselves from this kind of treatment and scam. Any suggestions? The only damage is the 8 months of frustration and the lose of $750. I am going to close my accounts with this bank.

In December, Chase Bank removed over 3 times the amount of the monthly fee due for Dec. 2009 in two separate withdrawals! When I finally contacted someone who had somewhat of a clue what I was speaking about (the whole left/right hand non-speaking cliché'), they assured me that payment for the next two months would not be necessary because of the massive withdrawal. Fine! So I thought!

In January 2010, Chase Bank sent their extortion dogs after me! I received a delinquent notice via mail stating I owed $0.00 in payment for the month. I called to ask what and why? How am I delinquent on nothing?! They said they did not know why I received that. So I asked for a payment history because no one there knew where most of my payments had gone during the past 15 months of payments during the HAMP approval process. When I received the payment history, it made no sense. I called to get some understanding and their response: they didn't understand it either! No one knew what corporate advance meant or what it was for. They gave me a fax number to send questions and complaints about payment history, which I then did fax. I have yet to receive any info back. In calling back to find out why I haven't received any response back yet, they said it was the only way of getting info and we had to wait. Still waiting.

So, to continue the Chase Bank matrix of manipulation and extortion, this conversation continued between myself and the Chase minion on the phone. He asked if I wished to make a payment for Jan. 2010. This started another direction in the conversation. I said the payment should have been covered due to the conversation in Dec. 2009 concerning the massive withdrawal Chase Bank made. He said he would redistribute it for Jan. 2010 and Feb. 2010 payments. OK, fine. Nice to hear another confirmation that payment for Jan. and Feb. are covered.

Lo &and behold, not the case! Chase Bank sent a letter stating I was delinquent and owed for Jan. 2010 $539.00 more! I called Chase Bank and asked what and why. The response was that the massive payments taken Dec 2009 via ACH covered "principal" not the agreed upon monthly payment amount and then I was told, via ACH (Automatic Withdrawal), Chase Bank just took another massive payment this Feb. 2010 from my bank account, which equaled three agreed upon monthly payments and sent my bank account into overdraft protection! Even after I withdrew the ACH option from Chase Bank and was told by this Chase minion I was a criminal for robbing the bank of money owed them by doing so, which he later regretted due to remembering the phone call was recorded and to my offense of it being said. No apology from him, though, just regret for saying so.

I was not only in shock but infuriated after verifying this by contacting my local bank. They also said that these ACH withdrawals are being handled from somewhere inside Chase called a suspense account. This "suspense account" then forwards payment to reflect towards our agreed upon monthly payment plan. Anyone confused yet?! The Chase minion's final words in this conversation was that he will take the monies withdrawn this month (Feb. 2010) and apply it towards Jan. 2010 and cover the remainder of Feb. 2010 with Dec. 2009 lump sum. Which makes no sense at all!

The entire amount taken via ACH from Chase Bank equals over four months of payments which should have covered Dec. 2009, Jan. 2010, Feb. 2010, Mar. 2010, and a portion of Apr. 2010! When I corrected the math for the Chase minion, he referred me to the "fax" number for complaints! The same "fax" number I am still, to this day, waiting to hear back from Chase Bank fax communication method about my previous complaint on payment history! Stonewalling comes to mind, how about you?

So, here I sit with unpaid home mortgages (according to Chase Bank), a criminal for withdrawing my ACH agreement (according to Chase Bank), and a bank account in overdraft (because of an unauthorized withdrawal). I’m under threat of another ACH withdrawal since they are being done without my authorization with no way of stopping this chaos outside of a "fax number" correspondence with Chase Bank, and I have bills overdue this month!

To hear Treasury Secretary Timothy Franz G. say that HAMP is successful is so far from truth! Is there someone or a group of someone’s out there in our country who believe they have more power than Chase Bank's "pocket puppet" Timothy F. G. that can help? When letters of complaint go out to Attorney Generals about Chase Bank with minimal, if any at all results, who do I turn to? Who do we turn to? When even the POTUS will not help me or Main Street for that matter, who do I turn to? Who do we turn to?

Why do I even come here to this website and post my complaint? It is obvious after reading so many posts for hours, and seeing how many more need to be read, pages after pages of complaints, what good has it done to even complain? Where have we gone in this republic that Chase Bank and other banks (BoA, WAMU, CITI, etc.) take and take whenever and however they please from people?! May God help me and all of us who are in this extortion operation! I’m financially broke. No funds for current due bills. There is threat to my essential needs, such as heat, electricity, communication median, and transportation.

Andrea was contacted by mail in January 2010 by Chase, offering her the "Assist program." I don't have the date of the letter, but it said "Reply by 01/06/10" and Andrea did. She set up, and annotated on the letter, a $50/month program to be paid by the 15th of the month automatically out of her checking account. The letter states that it is a "fixed monthly payment amount that you can manage", and "as long as you remain in the program and make your payments on time, your late fees will be waived and your finance charges will be reduced".

Andrea had a payment taken out yesterday, Feb. 15th, and we received a very harassing phone call today to "get her caught up due to her payment being behind and the person asked for $27 because she was "past her due date". Andrea was never told anything about any extra charges, her payment came out like clockwork, and when I phone back and adamantly spoke to a manager, I got (I think) Ms. Sharon on the line. She claimed the representative misrepresented and never told Andrea that her payment had to be paid by the 4th, that there were late fees and overdue fees, and that she needed to change her payments to the 4th to avoid "being dropped from the program".

I asked her how could there possibly be a problem since Andrea wasn't even in the program for barely 30 days and the money was already taken out - she said she didn't know why the "other guy" didn't tell Andrea that. I laughed when she said the call was being recorded for "quality purposes" and scoffed that it's really for "protection" for the company. I even said I'd also record, she said she couldn't talk to me if I was recording, it was against policy. I pretended to "shut off my recorder."

Funny, but anything they claim they can do, we can't due to "company policy!" I asked her to send me everything she explained in a letter, and she said that was also against company policy. So, I said I'd just have to use the letter we already have that Chase sent Andrea with the "program" spelled out in wonderful-ease. We are fed up with collectors using deceptive practices, the latest being to just say "Oh, the last person didn't tell you the right thing". How do I prove that, can I get a copy of the recording? It took at least 3 phone calls to get through to a manager, in fact I swore at the first lady on the line who claimed Andrea was late, and then Andrea got on the line and was extremely distraught, crying, fighting with me (I was trying to take over the call to de-stress her. I didn't want her to tear her muscles in her stomach open) and I spoke at length with the manager.

Andrea and I have fought, screamed and yelled, she cries almost daily, and the phone calls come 5, 6 times an hour sometimes. If there is a class action lawsuit against Chase (Not to mention Capital One too) we're on board with it. The consumer is being bullied and lied to, and it is tearing families apart.

Unfortunately the people responding by mail you can never get on the phone. They mailed me a letter stating that the purchases had to be spent in the store. This is where the arguing starts. I explained that the original letter was vague which is why I called and was basically given incorrect information by Britney. I don't blame her. She obviously didn't understand the promotion either. My belief is, Chase should fix their employee error. This has been going back and forth since September with me faxing, calling.

I even requested the phone records and they sent me a letter stating that the phone records are not to be released to the public or for card member review. I have copies of faxes, dates and the people I spoke with. It amazes me how unwilling they are to work with me. I have always been a customer who paid bills on time. Between me and my husband, we have 4 Chase accounts. I plan to close all of them. Thank you for your time.

They submitted employment verification on 2/4/2010. They set up a new close date on 2/8/2010, then on 2/10/2010, then on 2/12/2010 and on 2/15/2010. Here we are on 2/16/2010 and still no closing. Turns out they had a question on why a W-2 from 2008 was under a different name than my former employer and decided to submit employment verification to what they thought was an employment agency. My former employer had outsourced their payroll to a third party and was a question I could have answered and provided proof within 30 seconds since all my previous paychecks are available through this company online. They sat on my file for 15 days instead of asking a simple question or at least having the courtesy of calling and explaining what their "process time" entailed.

My yearly premium is $746.00 a year. They place insurance in the amount of $9,890.97, completely predatory. When I was aware of the problem, I bought the insurance and forward it to them. I called the servicing department and informed them that I never received notification and that they had changed my address without my request or approval. They said it was their policy when someone requests a credit card to update their files and they do not have to notify me.

I asked them to help me that I could not afford to pay this amount for the coverage they had placed. They said that I had no choice and I had to pay. I ask to speak to a supervisor and he was rude and said that since I did not have coverage for four months, that they had the right to place it. They are charging me four months for $3,296.89 and would not work with me in reducing their premium. I don’t think this is right. I believe this is predatory practice toward their customers. I hope you could please help me with this. I have never paid late. I always had insurance coverage and I was not notify by the bank about. Thanks.

I do not want this on my credit report. I have never missed a mortgage payment in more than 25 years! Chase would not guarantee that it would not be reported. Plus, I think they should pay me the interest on the $1400 that they pretty much just stole from me.

I honestly felt like I was being set up to fail so that they could say that I was not following through with my obligations because I kept sending them letters stating that I had already sent in the requested documentation. Well it looks like they used that excuse. They denied my mod because of a reason that they have not told me but I received an email through Chase's website that I was not approved and have not got any answers inquiring about why. I told them that this is my first home where all my three children have grown up and now I am taking care of my mom and cannot lose my home. I have made all my mod payments on time and everything.

I thought I would be safe only to find out that they will not communicate the findings with me and or tell me what to do next. I am so worried because I am deploying to Haiti to assist with the security efforts there and my mom wife and children will be here. I have to and need help to stop Chase from any foreclosure proceedings. I am going to keep sending my mod payments in until they send me a formal letter of what to do next. You talk about feeling empty inside and feeling cheated. I would love to have somebody or an organization make Chase stop the way they are doing things. Not one American family should be made to leave their home unless they walk away. Debt should be filed to the end of the loan until better days and the economy picks up. I am a former U.S. Marine and I have so many certificates and licenses. It's just that there isn't much work here to find. Most all construction jobs have immigrants doing them. Not just work that Americans will not do. They are being chosen to do anything and everything since they work for less.

As of today (Feb 12th, 2010), I have heard nothing from Chase concerning my assumption. I have made numerous calls to a D. Brown who is supposedly the person who received my packet. She has been rude and unable to provide me with any details on this process. The only letter I received from Chase (first of Dec.) was the initial letter stating what documents they needed and that it typically takes 30-45 days to close the loan. I am very concerned about this as they have all of my information, bank accounts, etc. and I am unable to get anyone on the phone to discuss this. Chase is doing a great disservice to their customers.

After reading all the complaints, I am completely shocked that this company has been allowed to treat so many people this way. I am stuck in a very tough situation and if this assumption or something is not completed soon I will not be able to make my mortgage payment. Our society is crashing and burning... It's nuts that hard working Americans who can afford to pay their bills are being forced into a bad financial position by the very institution that originally approved their loans. The stress this has caused on my wallet and my mental health is just completely ridiculous. Had I known they were going to lie and deceive me I would have went to another company.

Now, when I try to get approved somewhere else, my credit score had mysteriously dropped and they tell me there is some type of open "case" on my loan. That the open case will need to be closed before they can do anything. I can't even get a person on the phone to tell them to close the case, pathetic! These corporations are destroying the ability we have in America to own a home and have financial freedom. Our government and leaders have forsaken us.

Mrs. ** has provided Bank of America through Certified Financial Protection Group, LLC, all the documentation pertaining to her income, financial status, banking information and every piece of supporting documentation and information they have requested. Much of Mrs. **'s monthly budget comes from income derived from rental income. We have explained CHASE that this income is given in cash. For the basis of proving this income the lender is finding it very difficult to believe since she uses this monies straight to pay utility bills, etc. This doesn't mean that she does not receive this income. It is just that she cannot provide the bank with bank statements showing deposits.

Mrs. ** has tried working with CHASE since last year unsuccessfully, and their representatives keep on giving my client the running around. I have tried to complete the HAMP interview with CHASE representatives and I am told that the file is always in review. The underwriter has had this file since November 2009 without making any notes or moving the file forward. Mrs. ** truly believes that some sort of racial discrimination is taking place since she has provided this lender with every piece of information they had requested and yet they keep on asking for more and more time and documentation. Her health is failing and the stress of this seemingly endless process with this financial institution is taking its toll. CHASE is done nothing to address our concerns, or repeated requests for modification review. We need your help intervening on the borrower's behalf. Supporting documentation is available upon request.

As a customer, I am not aware or being well-informed initially of non-refundable deposit of $395.00, and I've tried to work it out with Mr. ** to settle this unfortunate outcome in proper manner, but received no further communication from him. We lost $395.00 for the service that we did not receive at the end.

The short sale process is in process though my request for a parallel deed in lieu process has gone nowhere. I've never been contacted about this and have received no further acknowledgment or contact despite having verified in person at a Chase Homeownership Center that the request was appropriately requested via Chase paperwork. Of the ensuing months of the short sale process, it's been more than a trial as we have to resubmit documents repeatedly. Each new person claims not to be able to see all of the successfully submitted information. Through the length of the process, we lost the original buyer but gained another until Chase had a huge wrench into the situation last week.

Now, they are claiming that I have PMI on my loan and need to submit $10,000 cash before they will even take the short sale package to the investor for consideration. Ironically, the investor is Wells Fargo. I've spoken to colleagues of my Chase negotiator because his voicemail box is full and will not accept messages nor will he return calls. In those conversations, his colleagues tell me that the $10K is due at successful sale, and should not be a gate to the taking the bid to the Chase investor for consideration. My negotiator insists he is correct -- $10K cash now or he will close my short sale file. But the biggest irony is the fact that per my loan papers, I don't even have PMI on the loan! Per my Chase negotiator, it became my responsibility to uncover the PMI problem.

I was referred to the guaranty company and in speaking to them discovered that they did not want to speak with a homeowner and were irked that Chase referred me, and the PMI was placed on account in May 2007 when I refinanced my house because it would be illegal to do so at any other time. Herein lies the problem. I refinanced with Quicken Loans in December 2006. Chase later bought my loan from them. At the point they bought the loan, they illegally applied PMI without informing me, let alone asking permission to attach something to my loan, etc.

So I'm now stuck in a situation they do not want to address. Chase is unwilling to move on this and acknowledged that they created the PMI barrier illegally. While I fully acknowledge being in a situation I never dreamed -- losing a job and income that enabled me to pay the mortgage I took out on that home -- I have done everything I could. From the moment I envisioned a problem, I placed my home on the very depressed market though received not one bid for nine months until the price was in the short sale range.

My realtor and I have worked with Chase in good faith through all of their options/remedies, no matter how imperfect or horrible the possible impact on my credit. I've tried to pursue all options Chase advertises and they offer as a result of the Congressional mandate, but honestly, they're not trying that hard, especially for people like me who do want to refinance their mortgage for one reason or another. In my case, I've been forced to move across the country for a job due to loss of wages in the CA economy and can obviously no longer live in the house.

It is highly likely that I will be forced into foreclosure since Chase is unwilling to acknowledge the problem they've caused in the current process. They have illegally inserted PMI onto a loan at a point other than loan origination. I will not pay the $10K fee merely to push my loan onto investor consideration and neither will the buyer, especially when the investor can ultimately say no to the offer. I will lose in this process, the potential first-time home buyer/owner trying to buy my house will lose and even Chase will lose. They will not get this price at auction if they let this go to foreclosure. So much for the government-mandated assistance that mortgage banks are supposed to be providing.

I am drained and cannot believe this company can keep doing the things they have been doing. A bank that robs the people not a bank that helps with their customers. I have asked, begged, faxed everything other than my dna and have no help. I send "trial payments" every month and they go to whatever. No answer. Just phone calls about 6 times a day on my home phone, my husbands, my work. I will be going for mental evaluation because I am sick over this. I have been hospitalized and lost work on and off since January of last year and have been going through this with chase to no avail. I believe they are stringing everyone along and in the end they are gonna tell me they can't help and I know my family and I will be homeless.

After much frustration, I went to the local Chase branch in Wales, WI where Kelley M. made a call in to the customer service department. We spent 1-1/2 hours on the phone with Kecal J. who reviewed all of my mortgage papers to determine if auto payment was set up. He confirmed that it was not. He also agreed to have the amount refunded once the Wells Fargo payment had arrived, since this is bad "economic times" and to refund the payment would place my account in arrears. The payment was due on the first of the month, but not past due until the 15th. I was told he would monitor my account and refund any overdrafts incurred as well. To confirm this agreement, I requested something in writing from him. He provided a confirmation number.

I then went to the Wells Fargo Bank in New Berlin, WI to discuss the situation with Robert C. who printed up my statement and said that Chase has your money already. It was deposited on Feb 1. I went to the Chase Branch in New Berlin, WI, and worked with Athena P., VP Consumer Banking. After reviewing the details of this, she contacted Kecal J J. via email, who replied that he had no record of our conversation, nor had any agreement been made. Athena then contacted his manager Rachel R. It was then verbally confirmed that the amount would be returned to my account via check (7-10 days).

This was unacceptable. We continued to contact Online Bill Support to confirm the error, which we were told verbally that this was not authorized. Athena was promised by one of the customer service representative from Chase Home Finance that this would all be taken care of via electronic transfer and that I would be given confirmation by that afternoon via phone call. No phone confirmation was made.

On Feb 3, I received an email from Kecal J. stating he would be reimbursing my overdraft fees but required a bank statement. Shortly after a phone call mid-morning from Jovanie from the Research Department asking me to fax a copy of my bank statement so they can cut me a check for the overpayment I made of my mortgage. I quickly went back to the Chase Branch in New Berlin, WI and discussed this with Athena ***. She made a call to Rachel R. who told us that Shammika W. will be working with us, and she has all the information from Kecal J. Shammika did not want to hear our plight or accept the facts that this was an unauthorized ACH. She stated, "That would be illegal, ma'am." She reiterated her rehearsed lines and said all she can do is put a request through to have the Wells Fargo transaction refunded. She would not pay any overdraft fees or incurred fees due to this error.

Frustrated with the situation, Athena P. then contacted the Online Bill Support Center. We spoke via conference call with Adrian and explained our situation. Adrian confirmed the following, "Judith N. went on the internet 4-Jan-2010 and made a "one time transfer" for the January 1 2010 mortgage payment. It also showed she was active on the Internet site in mid January. Judith did not set up nor authorize any other transactions for this account. Judith did not authorize the Feb 1, 2010 payment."

When I requested proof of this information, he was unable to provide stating there is no way for me to print out this information to send to you. We kept Adrian on the phone and conferenced in "Greg" a manager in Chase Home Finance who listed to our issue and listed to the confirmation of Adrian stating this was a Chase error. Greg transferred our call to Martha S. Martha took all of our information and confirmed all fees would be paid via check and overnighted and the mortgage payment would be returned via electronic payment. The electronic payment takes 3-5 business days and that Shammika had already sent notification to the department in Ohio. Athena P. faxed over the statement we received from Robert C. at Wells Fargo.

On Feb 4, I receive a phone call from Martha S. who provided a Chase ticket number, her phone number/fax and her business hours restated all the following, "Electronic payment of mortgage payment will be made, all fees incurred due to this will be paid." On Feb 6, I received phone call from Martha. She has received confirmation from ACH Department that the transfer will take place on Monday and I should see it in my account by Tuesday. She has cut a check for a portion of the fees and it is being sent.

On Feb 8 at 5 pm CST, electronic payment of mortgage has been wired. On Feb 9, fee incurred in Wells Fargo account for wired fund. Phone call received from Martha that the fees will be covered if I send another bank statement showing the deposit. I have more details regarding exact times of the communication. Chase has only made verbal confirmation that this error was due to them. I have email from Chase Home Finance representative confirming overdraft repayment. This was a major hardship due to Chase's unauthorized transaction. It took all the money I had. I had nothing to live on for one week. I was unable to afford gas to drive my 72 mile daily commute, unable to purchase my blood pressure medicine, nor dog food. I was virtually left helpless. I have no disposable income.

Chase took my money illegally and kept it for 7 days, draining my checking and savings to $0.00 and causing 10 overdrafts to my accounts. Chase refuses to admit the fault in writing. I learned Chase set up my credit card as an auto payment for Feb 2010, which I have (hopefully) reversed. This was all done via their system and it was confirmed by their Online Bill Support representative that I did not authorize this. Confirmed twice with Online Bill Support on Feb 2nd and 3rd and witnessed by Athena P., VP Chase Retail Consumer Banking. This is a crime. This is illegal. They need to be punished for this. They have a huge convoluted front line which is impossible to gain resolution.

My husband and I are both on disability and our total income per month is 2300. Our home mortgage payment is 1200. We were told that it would probably be reduced to 800 which we could afford. Right now, we are getting ready to go into foreclosure. We have been calling them weekly but debt collectors call us almost daily. This has caused major stress/depression causing us to go on anti-depressants and see a psychiatrist.

They make it so difficult to talk to a live operator, adding late fees when their billing department is not doing its job is beyond frustration. To put someone in collection who is trying off their mortgage and not sending collection notices or final bill is not right. I feel since they made the mistake, I should not be charged any late fees or extra closing costs.

Next, I was denied again after waiting 4 months. The reason they gave my attorney was that I was supposed to continue making forbearance payments after the agreement ended. This not only did not appear on the agreement, but it was never communicated to me or my attorney, even though we spoke with Chase at least twice a week each for several months. It is entirely unacceptable that I was denied for reasons I could not control. Pure negligence on the part of Chase. I am at immediate risk of foreclosure for no reason. I am very concerned about my future.

On 22 January, after receiving my mortgage statement for the month of January, I had to call Chase Customer Service. The $3,600.00 principal payment, which I had received, had been applied as two interest payments for the months of January and February with only a tiny fraction of the original amount having been applied towards the outstanding principal balance owed. I spoke with "Natalie" who dutifully assigned me a case number (**), and who assured me that this matter would be resolved. Great.

Four days later, I received another statement for the month of January; however, this statement recorded the payment made on 15 January as the interest and principal payment for the month of March while making no reference to the issue of the $3,600.00 principal payment. Again, I have to call "Customer Service." On 26 January, I spoke with a service representative by the name of Deen (pronounced Dee-en). This fellow seems to have a pretty solid grasp of the issues involved; however, I never get to finish the call as my telephone died from having been on hold for what seemed like forever.

Again, I called back, but this time, I insist on speaking to a manager. This is where Randolph ** comes into the picture. Mr. **, after checking my account, recognizes the error, and acknowledges that the $3,600 was misapplied, and that of the payment made on 15 January $435.04 was also made as principal. Further, he notes that the balance owed should reflective a reduction of $4,035.04. No problem, the statement will be reissued. Finally! Light at the end of the tunnel.

This morning, Sunday, 07 February, a representative of Chase Bank called at 09:17H to advise us that no payment had been made against our account since December of 2009. Maybe we would do better. Forget it, after all, we are talking about Chase Bank. Our issues began on 11 January 2010 when I made a $3,600.00 payment against the principal balance owed on our loan.

Keeping in mind that the November payment was due the 19th, please review our payment history: 11/2- $500, 11/9- $300, 11/24- $5,114, 12/29- $2000, 1/5- $600, and 1/20- $250. I reminded the customer service agent that the November 24th payment was made well after the November due date, assuming that it would be applied to December. He rudely informed me that the "billing cycle" ended on the 24th, so that payment was applied to November making us late for our December payment, thus doubling our interest rate. I told him that I was unfamiliar with their said "billing cycle" and that it meant nothing to me. I was becoming quite angry at that point, admittedly.

I reminded him that we had never made a late payment and that during the months in question, we paid over $8500 to Chase. He said that none of that mattered and I then asked to speak to someone else. I was connected to a "Customer Service Manager" who was extremely abrupt and rude. I wish I had written his name down. I was told again about this "billing cycle". I asked how I, as the customer, would have known this information. He told me that as a credit user, it was my responsibility to know this information. I asked if they made it a policy to inform their customers of this tactic. He told me that if I was unsure, I should have called them and asked.

The conversation seemed to go down hill after that and frankly, I was so angry, that I only have vague memories of what all was said. I asked him what recourse I had as a loyal customer and was told that there was really nothing I could do other than close the account or pay the new interest rate. Needless to say, I closed the account. You should know that I have excellent credit. My credit score, prior to this, was 741. I will tell you again, we paid over $8500 during the last three months. Does that sound like a customer that is trying to weasel out of paying? I am so furious about this and about being completely at the mercy of these horrible business practices. I am not a "credit abuser" and have worked hard to get my credit where it needs to be. We've been ** and are being forced to just lay down and take it!

When I contacted them in Aug 2009, I was again told the same thing - that did not have my request or that it had been sent to the wrong department, even though I faxed all the paperwork to the number on their request form. So, I resubmitted everything again! Over the last few months, I have tried calling and talking to the person who was supposedly assigned to handle my modification request. No success at all. I either get transferred around from one department to another, the phone call gets disconnected, or the mail box of the person I need to talk to is full.

After letting it go through the holidays, on February 5, 2010, I tried reaching the Chase's modification department again. Guess what I was told - my information was now too old and needed to be resubmitted yet again. Chase is so huge you can't even find out who a supervisor is to complain to, or who to write to that is higher up, such as a VP in charge of lending. I am so frustrated with Chase and don't even know where to go or what to do to get help. Based on what I've experienced, I really feel that Chase has absolutely no intention of trying to help me modify my loan.

November 10, 2009, I received a letter confirming the cancellation of my November 20, 2009 withdrawal (please reference first paragraph when I requested the date change from November 13 to November 20, 2009). I called November 19, 2009 and at 1:26 PM Central. I spoke with Edith and she confirmed my payment would be withdrawn on the 20th and it was.

Received two letters from Chase dated January 4, 2010. One was a "we need to talk" letter and the other was an "Acceleration Warning (Notice of Intent to Foreclosure)". I called Chase on January 12, 2010 and spoke with Connie at 3:00 PM Central. She said there was nothing in my file about the conversation I had on October 20, 2009 with Kameisha. She said the $20 setup fee was a service charge on each payment withdrawn. She also said I had to call Chase each month and give them authority to make the withdrawal. None of that was told to me in October. Connie told me to bring my loan current through February, 2010. I would need to pay $2293.20 ($764.50 x 3 months -- December, January and February). At no time was there any mention that the payments covered October, 2009, November, 2009, December, 2009 and January, 2010. I was under the same impression I had in October that the payments under the FastPay program were for November, 2009, December, 2009, January, 2010 and February, 2010. After the call, I was comfortable thinking that I would be okay through February, 2010.

Received a letter from Chase dated January 12, 2010. It was the repayment plan agreement. However, it said I owed $2384.37. In the meantime, I had sent Chase a check dated January 12, 2010 for $2293.20 (the amount I established with Connie on the January 12, 2010 phone call). I spoke with Roy on January 22, 2010 at 9:47 AM Central. The check had cleared my bank on January 22, 2010. He said I owed $3.39 to be current through February (which would mean the October installment was not in question) and I made a $5 payment while on the phone through my bank (the minimum payment amount my bank permits).

Later, received a payment form saying I owed $765.53 (my regular payment) amount on February 1, 2010. Also, it had $115.43 for late payments. Spoke with Paula of Chase February 4, 2010 at 2:59 PM Central. She told me the November, 2009 payment was for the October, 2009 installation. That was the first time I had heard that. She told me that the first person was incorrect telling me that my October, 2009 installment would be put at the end of my loan. I was pretty upset. Paula said her supervisor, Mike, would call me that day or the next day. I have not heard from him.

I paid this latest amount, $880.96 ($765.53 + $115.43) electronically on February 4, 2010. I made the payment mostly because I am so tired of dealing with them. Unfortunately, without a full-time job, I cannot refinance my loan at this time. However, I will never recommend Chase to anyone. I would like to see the October, 2009 payment put at the end of my loan as I was first told (and was not told differently during my January 12 or January 22, 2010 calls with Chase). I would also like to see this February 4, 2010 payment be processed for the next closest subsequent month that this is settled and I would like to have my $115.43 late fees reimbursed.

After much research, I believe there is not really a person by that name. I called HUD help line and worked with them to create a budget and we tried to get someone on the phone for a conference call. We were cutoff! Finally last week, they told me they had someone review it and I was getting a new packet. The packet I received was the same offer I received in December based on an incorrect income. Again, I called this morning and Chase promised a call back today. No call. I am in tears with no place to go. My husband is a firefighter who recently (December) suffered a heart attack. I just want a reduced interest rate. I want to keep our house. Does Obama know what these guys are doing? Are they deliberately stalling this process to rack up interest charges?

My income has dropped during this recession and therefore my housing cost is over the 31% outlined by "Making Homes Affordable" plan. When I addressed this with Chase Mortgage, our current mortgage company, they would only assist me with a home refinance and would not look at any other type of relief.

I will not describe all the details of the past 9 months that have transpired. However, I will focus on the more immediate events. On April 16, 2009, I contacted Chase Mortgage to refinance our home mortgage. After several months, Chase finally had the documents ready for signing. On December 26, 2009, a notary (representing Chase) was sent to my home for the closing. Upon review of the HUD documents, my wife and I noticed discrepancies: $3,715.18 for closing costs and additional points being purchased to get an interest rate of 5.375%.

Throughout the past few months, I repeatedly told Chase that I did not have additional funding for closing and Chase informed me that our new interest rate would be with zero points. At the signing on December 26, 2009 with the notary, we declined to sign the HUD. The notary stated that we had two choices: sign the documents except the HUD or sign all the documents at a later date. We signed all the documents except the HUD. The HUD document needed corrections. At this time, the notary did not seal any documents in our presence.

A new HUD was sent via email on December 28, 2009 from Nations Lending Service. Upon review of the revised HUD, we again declined the offer and did not sign or return. I emailed and telephoned Chase on December 29, 2009 stating we did not accept their offer. Chase did respond to our email the same day. Under Federal law, we know that we have the right to cancel the contract within 3 business days, ending on December 30, 2009 at midnight. However, according to our documents, Chase closed out our mortgage account on December 26, 2009 and opened another mortgage account without our knowledge.

On January 4, 2010, we received an automated phone call from Chase stating that our mortgage was paid in full. I also received a document showing another mortgage was opened plus I received via mail the first mortgage bill for the new loan number. On January 20, 2010, we received a letter from Chase stating that the refinance did not close and our mortgage was reinstated. We also received documentation from Chase dated January 14, 2010 stating that our mortgage account was closed and a release of lien will be issued.

However, upon calling Chase directly, the automated service informs us that two mortgage accounts still exist. My credit and payment history with all utilities and mortgage have been in excellent standing. I am concerned that this process will be reflected on my credit report due to Chase Mortgage errors. I should not have to be penalized for Chase's mistakes for processing loan documents that were not completed. I want to ensure that this is not reflected on my credit report since we are still seeking financial help with our monthly mortgage payment. We are unable to obtain mortgage relief for the past 9 months due to the mess Chase Mortgage has created.

We called every week and every week we were told either it was not in the system or they needed another document. We must have sent the same documents over for 5 months. It took them 5 months to have a complete file of two tax returns, bank statements and a tax authorization. It was not a lot of information, but took them five months of asking for the same thing every week.

By month 5, we were finally given a temp. Modification. It was Wonderful, we could finally start paying our bills! It was a three month trial that was extended into five months. At the end of five months, they said we were denied a permanent modification because although we had no problem paying the $2,200 mortgage payment, they felt that we didn't make enough income, I was showing $6,000 a month and they want me to show $8,000 month. So we are denied, home is now in foreclosure!

We called the bank crying, after spending hours on the phone, being transferred to one person to another, we finally spoke to someone several days later only for them to tell us to pay $20,000 now. That all this time we paid the temp payment they added up the difference and now owe that on top of three months missed! If we had 20,000 in the bank we would not be in this situation!

We no longer receive a mortgage payment in the mail and just started mailing them as much as we could a month and re-applied for the modification. Again, we start the battle of them not having a complete package, which is the same package they denied us on. A month into this we are told we are qualified for another temporary modification, and they would send us the terms. When we didn't receive the terms, we called and now we are told that we do not qualify for a temporary modification payment, because we already did one, that we must continue in our adjustable payment until they make a decision. Which by the way we no longer receive a mortgage statement, so we don't know what that is.

After calling there and spending hours and hours on the phone, we are now informed that our minimum payment has now increased another 200 or so due to a review of escrows. So to summarize, we are making good money and can afford to make some sort of payment on the home but do not qualify because they want to see an extra $6,000 in our account after we pay our mortgage, who has that kind of money. I live for my house!

I'm trying to do the right thing but no one will work with us, they never have the information, you can never get anyone on the phone and now in a time of struggle when I'm trying to pay my mortgage you now increase my monthly payments? My husband and I are working seven days a week, it makes us sick just thinking about it. We don't sleep, my husband is losing his hair. It's emotionally draining.

I asked what else can be done. They told me to go to Chase.com and download some kind of document, fill out and fax them in and then my information will be sent to an analyst for further review and that I should receive a response within 2 weeks.

In the mean time they advised me not to pay my mortgage as a further past due balance would help me get a modification, so I didn't. Those 2 weeks came and past and no notice or contact again from Chase. I called to check status and they stated that information has been received and account is in review for modification and that I just have to wait longer and to check back periodically. This is roughly around July 09 now and through the whole summer I would call every 2 weeks or so to check status, and they gave me the same story every time, that it is still in review. On one random call, I asked how much longer it will take, and they stated it takes around 90 days to complete the review. I then asked why the one person said it would take 2 weeks and now its 90 days and of course that rep couldn't answer that question and stated that whoever told me 2 weeks shouldn't of and was wrong.

On 8/10/09, I made my bi-weekly call to check status and the rep stated that I was declined for a modification and there is no record of being in further review and that I am now seriously delinquent on my payments. Obviously upset and disturbed by that particular call, I then started keeping a personal log of a summary of each and every phone call to Chase. Instead of rewriting my long frustrating story from here, I just copied my personal log, which starts at the disturbing call listed above about no record of review. So here it is:

8/10/09 - Called 800 446 8939 (Homeowners Assistance) to check status of loan modification. Lady stated that status was denied and closed back in early June. I told her that it was impossible due to several previous calls and the reps stating that it was still in review. This lady only stated that I can resubmit and wait another 80-100 days. Asked to speak with someone else and she stated that she is the only person that I can speak with. Gave me address of complaints compartment.

8/10/09 - Called Collections to see if a payment plan can be worked out and verify if the last rep. I spoke with was correct. Very informative lady (Lisa) stated that my account was still under review and apologized for the last rep. Verbally reconfirmed income and expenses, then stated that if I make up a lease agreement for my fiance who is living with me then I would be able to include her contribution towards mortgage/bills as my income and I would be a good candidate for a modification. She also stated that some mortgage payments were returned due to personal checks sent with a large past due balance. Suggested that I send a certified check for the amount I can. They will hold that and any payments until a modification is worked out. I must fax a lease agreement ASAP. Stated to call every other week to check on status, I told her I will call once a week, and she said that that may expedite the process. Also stated that since I have been in review for this long already , that it shouldn't take more than 30 days for a response.

8/12/09 - Sent Lease Agreement fax.

8/17/09 - Received a certified letter stating "Notice of Intent to Foreclose". Called regular number and woman stated that I need to speak with a Senior Analyst. Called that number and spoke with representative, they stated that the notice was computer generated due to past due status, and that they have not yet received the fax of lease agreement, but to wait up to 48 business hours for it to appear on my record. Also stated that my bank statements and pay stubs on record are over 90 days old, and to fax in updated documents to same fax number ASAP. She confirmed that my account is still under review at the moment and it should not take much longer to receive and answer.

8/24/09 - Called To check status of modification and to see if they received the faxes earlier this month. Stated that they received it and had to connect me to another department to check status. This department (Chris ** (female)) stated that Lisa from last conversation put me on another forbearance. I was never notified of this! I told Chris this and she seemed confused. Chris yet again took my financial information and stated that they upgraded their computer system and will be finished with the updates within the next few weeks and will then be considering customers for modifications. I asked her that "why is it that the last several times I called the person I was speaking with had completely different stories from the last?"

Of course she couldn't answer that. She stated that she would put me on another 3 month $0 forbearance ending in Nov, and then I would be considered for the modification. I stated that I have already been waiting since Feb, and why now another 100 days? She kept stating that the system is new and would be finished shortly, then people would be processed for modifications. I don't know why the last several times I called, they didn't tell me that! I asked her the benefits of going on forbearance vs. staying off. She then suggested that I stay off, and "hopefully" my account would be processed earlier. I asked if after a month or so if I still do not have an answer, would the forbearance option still be available? She stated "yes". I'm sure the next time I call it will not be available.

End result of conversation. I denied the forbearance offer. She updated my financials, and told me to wait a month or so for an answer. I am uncertain if she resubmitted my application or just "updated my financials". New Number to Call. 9/9/09 Called to check status. Representative stated that they needed updated pay stubs and stated that I refused a forbearance, so refused (but in other words) a loan modification. Received another notice of intent to foreclose and asked about that. Other reps stated that it was just another form letter, but she stated that everything that letter stated is in full effect regardless of any review for modification I may, or may not be in. Ended conversation without accomplishing anything! Intent of calling an attorney tomorrow to clear things up.

9/10/09- Called again today before intending to call attorney and spoke with a Terry. Started conversation asking for complete history of entire modification process starting back in Feb. Most of his story and what I was interpreting the status to be matched, but a few differences toward the end and last 2 months. When I called on 8 /10/09, she apparently set me up with some kind of a forbearance that I was unaware of, and asking me to make a $9000 down payment. ("pay what I can" in that date note). I am assuming that I just misunderstood that whole conversation. After an hour and a half conversation explaining the process and giving my financials again, the end result is as follows (also different from last few conversations). Being sent documents to be put on a Reduced Plan forbearance starting Oct. 10 till Dec 10 for the amount of $2790. Afterwards, I will be considered for a permanent modification of somewhere around $3158. He explained the working to me as follows:

I will first make a $4000 contribution to lower the past due balance, then pay $2790 for 3 months all while a past due balance will be adding up because its under the current payment amount. At the end of the forbearance, the past due balance will be tacked on to the principal of the loan and a new payment will be calculated based on new principal. That new payment will most likely be even higher than my original payment, however, at that same time I will be reviewed for a modification ( reduced rate and/or term lengthen), which will lower it back down to around $3158. He stated to just keep paying the amount of $2790 even after the 3 months, until I hear from someone stating to pay other amount.

I will be receiving documents within a week, and if I don't hear anything within another 2-3 months then call. I need to sign and return the agreement ASAP and hold on and wait till around December to send back the financials documents included in the original package. He modified my income and expenses to balance out my finances contribution and expenses paid by my employer. He did all the previous to make records match what will be on my credit report and not to pull up a red flag anywhere.

As for previous mismatched stories whenever I called. He stated that they could have just been "lazy" and not wanted to review the whole account. I asked if everything we just spoke about was noted on the account and if I call tomorrow will I get a different story again. He stated that if they just take the time to review everything they will see it. He closed and opened the screens to check and verified that everything we just spoke about and added was noted on the account. Conversation was an hour and a half long, so other notes or questions covered in the conversation are: He stated that I was not qualified for the "make homes affordable" plan, known also as the "Obama Plan" due not to income, but home value vs. loan amount/principal. I am still unclear of what I was suppose to be in "review" for all summer and how, why or what happened to that plan and time wasted, but apparently got at least somewhere with this call with documents being sent as proof.

9/25/09- Haven't received any forbearance documents that the last rep stated that he would send. Called and questioned why nothing has been sent out. He confirmed that I was on a forbearance and everything that the last rep stated was noted on my account, but didn't know why nothing has been sent out yet. He generated the documents himself while on the phone with me and stated that I should receive them in 2 weeks. Since my first payment will be due probably before I receive the documents, he gave me the address to send my payments. The rep stated that there was no notes about the $4000 contribution the last rep suggested I make.

I asked if it was not noted then it must not me mandatory to make, but asked if it would help at all to make it anyway, and he agreed. But I lowered it down to $3000 due to uncertainty if I can afford it. He also stated that whatever I state that I will pay ($3000) I must make that amount, no more no less! I must make my first payment to the address above in certified funds by October 10th. Total first payment would be $3000 plus the forbearance of $2790.32 for a total of 5790.32, then $2790.32 for the next 2 months (or longer according to the last rep I spoke with). I should of but did not ask this rep about the process, or what happens after this forbearance ends to see if it was the same as the last rep.

12/1/09- Update on modification situation. I have not called or heard from chase for status on anything since last entry and have been paying the forbearance amount of $2790 on time each month. A few weeks ago, I received a certified letter stating notice of intent to foreclose. It was the same letter I have received several times in the past at which I have called those times and was told it was just a form letter due to a past due balance. Assuming that this was the same, I didn't bother to call this time. After reading back on the last entry, I remembered that the last person I spoke with stated that they would send me some type of financial documents needed for a loan modification for me to fill out along with the forbearance documents, but he told me to wait till around December to send the financials back.

I am just realizing now that no such documents were ever sent to me to fill out. Also, although I was approved for and currently in a forbearance, I now remember that I had to call back a week or so after the last conversation because no forbearance or financial documents were ever sent to me either. The person I talked to then generated the documents while on the phone with me and I received them about a week later, but still missing whatever financial documents the first guy was talking about. Giving up on trying to do this on my own and going to search for a real estate attorney to assist me!

2/2/10- Haven't called attorney to assist me yet, but last week I received a letter form an attorneys office stating that foreclosure has been initiated by their office. I called that office today and left a message, then continued to call chase about this matter and about modification. Chase stated that I have been put in active foreclosure on 1/20/10. They stated that my previous forbearance plan was broken and that the December payment has not been received, which is false (have documents to prove so). She then started to read back all previous payments received, and my December payment was listed, along with a January payment (non forbearance)and the 2 other months of forbearance payments.

I asked her "if the December payment was indeed received, then how is it marked 'not received'" in her notes? She stated that she will send it for investigation and I will have to call back in 72 hours. (scared to do so because what story will they have this time?) I then started to question why I was all of the sudden again not in the process of a loan modification? She, like all other reps. I have spoken with over the months stated that she is "just reading notes from a screen" and can't answer the question of why the previous rep. told me otherwise.

I told her that one rep gave me an approximate quote of what my new modified rate would be, and she told me that it would be impossible for someone to give me even an approximate quote on a modification and doesn't know how or why the last person told me so. She told me to download a form from Chase.com, fill it out and fax it to continue with modification proceedings. I'm thinking to myself, if I do so, wont his just put me at the bottom of the list again? This was word for word the exact same thing a rep. told me back in June, and here I am 8 months later, basically just starting at the beginning again.

I read back to my 9/10/09 post where that guy said that other reps could have been "lazy" and not reading the whole notes on my account. I hope that this is the case in this conversation too. At this time of speaking with her I forgot/didn't ask her to review the whole account like the last rep told me to do. This lady stated that the only documents she has on file are the front page of my tax return and outdated financials from March, and nothing else. For the last 3 or 4 conversations with these people, I have given my financials each time over the phone and sent other numerous documents. Why are these not on file and why does one rep say they have it, but now she does not?

I'm thinking to myself again that if "the notes on her screen" about my Dec. payment not received don't match the "notes on her screen" about the Dec. payment that was received, then what the hell is going on in this office? Why am I getting tossed around from place to place with different stories, missing information and having to start the whole process over each time I call for status? Something needs to be done about these people and how they run their modification program. I did a quick search on Chase mortgage complaints, and apparently I am not the only one with this type of story.

I have been patiently working with these people for a year now and am no closer to getting a modification now then I was back then. The only difference now is that when I started, I was not default and had a pretty good credit score, and now I am around $25,000 delinquent due to forbearance and advertisements to not pay my mortgagee, foreclosure has been initiated on my house, and my credit score has suffered drastically from this whole process. I don't know what to do or where to go from here.

I did actually call an attorney today to assist me in the modification and waiting for a call back, but don't know what they can do at this point. I feel that I may be too far delinquent and foreclosure proceedings are too far along for much help. You screwed me big time Chase! Before I started this process, I was not default and had a pretty good credit score, and now due to forbearance and advertisements to not pay my mortgagee, I am around $25,000 delinquent, foreclosure has been initiated on my house, and my credit score has suffered drastically from this whole process.

Apparently, they were going to hold on to my money for me and not apply the payment, making me delinquent. She made the necessary adjustments in my file, so it would not affect my credit. I thought this was ridiculous to put my money in a holding tank and not apply it to the loan and interest balance. What if I wouldn't have called when I did? I had already sent another "incorrect" payment. How much money would they have held for me? I'm sure this money is just sitting there collecting interest for someone else’s pockets.

Chase said my mortgage increase was due to the increase of taxes and insurance. I corrected her on the insurance statement (my insurance went down). Then I called my tax assessor and they said that nothing has changed with my taxes since 2008. Who is monitoring these mortgage companies? Apparently, they get to say and do whatever they want.

I now understand why people in America are foreclosing on their homes. This was always a mystery to me, but now I get it. When I bought my home, my payment was very comfortable. Each year my payment has gone up approximately $100. I have only been here for 3 years, but it doesn't take a math genius to figure out that at this rate of increase I won't be here much longer. The mortgage brokers only care about getting you into a home and closing the deal. There should be laws about inaccurate loan proposals or at least tighter restrictions. This is affecting all who are pursuing the American dream of owning a home.

I asked to send me the copies of the documents or tell me the reason why my application is rejected. She denied to give me all the information. Please note that my regular monthly mortgage is higher than 31% of my total house hold income. There are not any physical damage to the property. We have just changed the washer and dryer and last we changed the heating systems with an expectation that we'll live in this house forever.

We applied for the Modification Program due to my weak financial condition, but now I am getting physical and mental damage due to bad treatment of Chase officers and the system of their company.

From a personal perspective, as long as I receive the money soon, I have no interest in suing. So this message is merely to let you know that I think something illegal is happening, and if so, that a consumer lawyer might be able to stop such a thing from continuing.

However, from the perspective of a consumer, I realize that if they're doing this to every person, thae there's a whole lot of money that they're holding on to. Even if they only hold onto everyone's money for an extra week, when you multiply this by the number of people possibly involved, that's a lot of money that isn't being returned in a timely fashion.

I have a vague recollection of a massive bank lawsuit many years ago, covering the bank float, where there was a delay in processing deposits. Again, the money involved per person was quite small, but the overall effect, given the millions of people involved, was quite large.

Now they have the same smart ** attitude as Chase! Chase also did not tell us that every month that we made the modification payment on time, that they were going to report us to the credit reporting companies as 30 days late. We had perfect credit until they started this modification. Now we couldn’t get money for a piece of bubblegum! We are in our 5th month, having been told that it would only take three months tops to find out if we were approved. They have one lame excuse after another! And now say that it could take up to 18 months to two years to find out if we are approved! And if not, where are we supposed to get $50,000 to keep from being foreclosed on! We also get calls from the collection department trying to get what we are behind due to this awful modification, saying they are ready to take our home and kick us out if we are not modified.

We were told we can't pay nay extra monies just the modification amount, and then these jerks try to get us to pay the $7000 we are already behind. They also did not tell us that there really is no trail modification amount; we are really paying our original mortgage amount, only now it takes one and a half months to pay it and that is why they are reporting all modification customers to the credit reporting companies, so if you’re not modified, your credit is so bad there is no way that you could get another loan for another home or even get approved to rent somewhere. If your not approved, you’re **!

This house is my families home, I grew up here; I lost both parents and my only sister a few years ago, this house is all that I have left of my family, I am scared to death right now, Chase lied about everything, they would not take the two months mortgage amounts back they gave back and the reason for that was that I cancelled the ACH withdraw so that if I needed a couple extra days to get the mortgage together I would have it, that is NO reason to give back our July and August payments, we didn't ask for it and wanted to pay it back to them and they would not take it and then started threatening to foreclose! We are trying to get the money to pay the $7000 and get out of this trail modification, but our credit will still be worthless. I would think that Chase would have had to tell us this upfront about the credit getting ruined. There is so much that Chase lied to us about. Now they don't even have the right paper work in our file, and we have faxed things so many times. It is a real nightmare!