Chase Home Finance / fraud
We have been dealing with Chase Home Finance in President Obama's (Making Home Affordable) program since Sept., 2009. After a year of lost papers, faxing, mailing and refaxing information we are approved for a loan modification - but after our property was sent to an attorney for foreclosure. We would not be in foreclosure but Chase refused to take any payments from us AT ALL during the loan mod process.We were served with a summons and answered it and while waiting to hear about the result, that's when we got the Fed EX package telling us that we were approved for a 3 month trial. 3 days after we receive our approval, we received a letter by snail mail that we were denied!!! I called Chase and they said that the second letter was a mistake. I called their attorney's and they said that the sale date for our property was moved back until February but would do nothing about stopping it without Chase telling them to do so. I have called Chase on numerous occations to ask why they haven't stopped the foreclosure, but can't talk to anyone that knows anything.
I called Chase to make a payment (3 wks before the payment was due) by phone as the approval states that we can, only to find out that we can only make payments by Western Union, cashier's check or money order. Another misrepresentation by Chase. When I asked why, they said that they didn't know. I asked who would know and they didn't know who would know (The Marks Brothers "Who's on first").
So following the orders of Chase, I went and got a Cashier's Check, made a copy and sent it in with the coupon provided by priority mail with confirmation that Chase received it.
We received a letter from the attorney's handling the foreclosure saying that there were alternatives to foreclosure, including an MHA, and we should send them a financial statement. We sent another answer to them stating that, yet again, we were already approved for a MHA. We included a copy of the approval packet, a copy of the cashier's check and stating that Chase had all of our current financial statements and they should consult with their client to get all of our current information.
Whenever we have tried to contact our "relationship manager" we are unable to do so. After going through the dog and pony show including the loan number, name on account, my name, my relationship to borrower, property address, our address, whether we reside at the property (duhh, the 2 are the same), phone number, alternative phone number, what I had for breakfast (no, just kidding), whether we plan on keeping the property, and then "how can we help you today"? When I ask to speak to my relationahip manager, they say that she is unavailible but that they can help me. Problem is, everytime you call, you speak to someone else and get a different answer.
I have found out that everytime another paper is faxed or mailed, it goes into a different file, and depending on who answers the phone, as to whether or not they CHOOSE to go through all of the files on record to try to answer your question. Some just take the most recent and when you question them get very defensive and refuse to go any further. You may get put on hold for as long as 7 or 8 minutes, or even disconected.
We are still waiting for an answer from the court on the summons.
I know that there are many people in the same boat (or worse) that are trying to deal with Chase. Is there a class action suit that we can get involved with?
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