JPMorgan Chase review: loan modification scam! 82

I been working with them since April. They keep requesting the same paperwork which i keep faxing to them. I know that they are receiving it because i call the next day. It is the middle of june and i have been on disability for four months from work. Now i am getting the run around where they transfer me 5 times and have me on hold for up to 20minutes. they denied my claim twice based on their opinion that i am not sending the paperwork which i have recorded as being sent. I am keep record of everything. And i will be looking at legal help shortly if they cannot get their responsibility in order. I am a big fan of companies taking responsibilities but when they don't i am glad to get the Government involved because it is our money that they gave to the bank to help the consumer not to fatten the ceo bonus!

Chase took a double payment in about of 4000.00 i called to ask why this was done and they said sorry for the inconveence and the money should be there within 72 hrs. But there was no fund transfered so I have to call them again today and they said well it takes 15 days to reverse this. so i had to talk to a supervisor who asked me to fax my bank statment and i said well okay faxed it got confirmation # that it went right. so I have waited for the supervisor to call and she did not so I have to call again and again and again their respose is the supervisor is busy they will call you give my cell okay no call. there was overdraft fees and other payment penalties and two kids but they just don't care oh we appolgize for this and that so finally i get to talk to supervisor after telling them i'm writing on consumer affair and will have even to sue for the money then bingo a supervosor who seems to be cooperative and told me to reverse the double payment within 48 hr:) my advice stay away from Chase.

We the taxpayers and upstanding citizens of this country have bailed out the banks (tarp), however the banks are not helping homeowners who are unable to pay the mortgage. I became paralyzed due to a spinal cord injury and was hospitalized for six months. i'm unable to pay march and april mortgage. before this i had an outstanding payment history. chase is totally unwilling to assist me. i contacted them and the representative was extremely rude.

now chase calls me 5 or 6 times a day..never shows the courtesy to leave a message. i want to report them for harassing me. they add insult to injury by adding a $75.00 late fee...doesn't chase get it..it isn't that i don;t want to pay i just don't have the money right now.

i'm tempted to contact 7 on your side in order to expose chase and it's unwillingness to help people who need help on national t.v.

i am so disgusted right now i don't know what to do.

We started the modificaion prcess about 1 year ago. Submitted all the required paperwork. Set us up on a temporarily reduced payment. He kept calling them. They would say everything is in order-waiting on your case to go to the committee.Call back in 1 week. Call back in 2 weeks. Nothing. Finally we recieved a letter saying we were granted the modification and what our new payment was. We had to call the payment in and they had no idea what we were talking about. As a mater of fact they said we were not approved for the modification. Also, because we had not been paying our full payment we were now behind. They could not accept a payment until we brought the acoount current. If we had that kind of resources we wouldn't be looking to modify! They also told us we had to start the process all over again because some of the laws had changed.so we sent it all in again. Every time we called we talked to someone else. We asked for extension numbers that never would work. We were told that we didn't have to make the payment at all during the process because every thing "is on hold during the modification". We got letter from Chase stating we were in danger of foreclosure because were behind. We called them and they told us that we didn't have to worry. It is just the process they have to follow. We wouldn't be foreclosed on during the modification process. 2 different people there told us this. Then the Sherriff came with papers! We ended up going to the courthouse for a 3 way call between us, Chase, and their lawyer plus a local lawyer hired to represent Chase locally. (Who could not believe how inept chase was).We were told to file a 3rd set of modification paperwork! Because my husband workd for his father and recieves a 1099 instead of a w-2 they wanted 6 mos worth of profit and loss statements! Notarized! We don't own a business and therefore don't have profit and loss statements! So we sent the paperwork-AGAIN! They gave us 2 weeks to get is faxed to them (from the local lawyers office). We had it there before the 2 weeks was up[. The day after we sent it they sent us a letter saying because we didn't sent the requied information we were denied the modification! The next day we got another letter saying-we got the information. We will contact you in 30 days! Yesterday (more than 30 days later) they called wanting more paperwork(all of which we had sent them). They have lost the copies (apparently all of the last 3 years worth) of our taxes and bank statements for the last 3 months. We have faxed these and snail-mailed them -they have them! They gave us 24 hours to get the records to them or they would start the foreclosure process again! So- we sent them AGAIN! We called to make sure they recieved them and they said that we had to send them again! That they were blurry! That is on there end, not ours! Enough is enough! My husband is about to let them have the damn house! Now we owe them upwards of $9, 000 which they think we can actually pull out of thin air! If we had it we wouldn't be in this mess!
Chase is getting away with this! Look at all the complaints on this website! It's called HELP FOR THE HOMEOWNER-NOT HELL FOR THE HOMEOWNER! Class action needs to be brought against them!

Chase took over our motgage 2 1/2 years ago...our interest rate soared to 9.875% in June...we have been struggling to make the payment of almost $2100! In June we asked Chase Home Finance for help in reducing this rate...we sent them all of records of our income/bills/ asking for hardship relief through their mitigation dept. It is now Nov 13...we have never heard back, after contacting them through fax, mail and phone calls...never once did they reply. We even asked the Atty General of the State of Illinois for help. They contacted Chase on our behalf, but have received no answer one way or another. Kudos to Chase...they can't wait for us to default and loose our home...I am also a disabled American and my husband was forced to retire in Jan of this year...we struggle every month, and do without necessities like food, medicine so we don't fall behind with them...now we have a home for sale, and with the market the way it is now, there is little hope we can save ourselves from doom...thanks again, CHASE...for nothing.

We filed bankruptcy in 2017 and it was discharged in 2017. When discharged, the house was not re-affirmed on, so that meant we could live in it as long as we made our payments. Well we got behind 5 months with no help from chase. We worked out a deal in thier minds with the threat of foreclosure. The deal was to pay 929.31 + an additional 326.00 for 12 months then resume our regular payment. In nov of 2017 i informed chase that the payment was going to be about a week late. They never said a word. I made the payment via Western Union, which was part of the aggreement, and had to make the follow-up call to give them the routing number. They informed me that they would not accept the payment and that foreclosure proceedings were starting. This would have been the 7th of the 12 payments. The following month, chase called wondering why i had'nt made a payment? I informed them they refused all payment and started foreclosure proceedings? They insisted I still had to make the payments even through the foreclosure process. Granted, I was born at night, just not last night! We have been living in this house since Nov. 2017 rent free! We have been through 7 reps so far and 2 complete submissions for loan modification because at chase the right hand does not know left hand is doing. We just submitted paperwork 01-2017 with no results and have made up our minds we are staying in the property until the sherrif comes to the door. I do not pretend I know how the world of big business is operating, but Jamie Damon ceo of chase had better hope that pile of paper money he is surrounding himself with can protect him from lead poisoning. It must be cheaper for the banks to just write off all the foreclosures, and hope we re-enter the market at some point? How will this happen when everyones' credit is destroyed with no hope of ever being a viable contributor to this financial system again. We for one are going all cash, pulling as far away from this credit system as possible. I realize people do not want to walk away from thier dream, but we have grown tired of chasing little pieces of worthless paper around to exist in this society. The second crash is coming and some of these bankers just may be exposed for what they are. When the American public as a group finally comes together, I hope I can be at the head of line when we storm thier castles.

We bought a new home in 7/09 which is an FHA loan and Chase is the holder. In November of that same year my husband had his income cut by 40% and I was out of work. We contacted Chase about our situation and they stated that there was nothing they could offer us because we have not been in the loan for 12 months. So, we decided to put our home on the market and sell it because we couldn't afford the $1300.00 payments. We stayed in contact with Chase as they called us 5 times a week to tell us that we were late with the payment...? Our home is still for sale today and we are working with a shortsale attorney to get it sold and get rid of Chase! Chase agreed to a shortsale but not to help us with a payment modification? WTF! It makes no sense. Now we are no longer living in the home and the home had a buyer and 2 weeks before the home closed the pipes burst in the home. The buyers pulled out of the deal, Chase sent out their home preservation crew (their insurance) and they refused to fix the damages even though they are the one's insuring it. The homes price has been reduced by $60, 000 all together since 11/09. We are trying to get Chase to let us keep the home and for them to pay for repairs so that it is not condemned. Why lord...

I am not having a issue with flood insurance, but am with the modification of my home equity loan. I applied for a modification in Dec of 2017, was accepted in May 2017 with my new modified amount starting Jun 2017. Was told by a Chase employee to make Jun payment and send a "good faith" payment of mod amount so I did. Over $700.00. Then was informed that I overpaid and would not have a payment due till Jan 2017 of new mod amount. Statements read ZERO DUE from Jun-Dec 2017 so assumed Chase Employee gave me the right info. Jan 2017 statement reads over $1300.00 due for month of Jan. Since Dec I have been transferred all over the US by Chase Employees, each one telling me that they cannot help me but give me a number of one that can just to find out that they cant help me either. Over 15 numbers and hours of time on the phone lines. Finally, get a hold of a Chase Supervisor in Florida from the Home Lending Dept who is looking into this issue but still have no resolve and now not only is Jan balance showing default but now the Feb payment went towards the balance of Jan that I DO NOT OWE, and Feb is now in default. Its a complete nightmare. My home is on the line and my credit reputation has taken a sheet all because someone put my modification into the system wrong last yr and no one can figure out how to rectify it. I put my trust into Chase and my Home on the line to get help with unforeseen financial hardship that befell upon me, and I get 3 months worth of run around, no resolve and no answers. Just collections calling me everyday telling me my loan payments are in default and wanting me to send more money. It is all uncalled for.. I was told by this supervisor that I am to keep making my monthly payments until this gets resolved and will make things right with the credit bureau plus take care of the late fees and interest for the months I paid that went towards the balance of the mistake they made in the first place that will show as default also... That will probably take another 3 months + to resolve.. I put my trust into Chase and I can only pray this issue gets resolved before it goes on much longer...

I have been trying to get my home loan modification from Chase for over 4 months (before we fell behind). My fiance was out of work for 21 months and I also had reduced income. Everytime we submit documents (everything they ask for), they say that we are missing something or they need an updated doc. Now, after being 4 months behind and I got a better job and my fiance finally went back to work, they are making me re-submit the request. Now we will not qualify because we make too much. How do you catch up on $8, 000 in payments without losing your house? We did not even choose them as a lender. They bought our loan from the original lender. Crooked, not right.

Try having a modification approved after a year of submitting paperwork just to find out six months later it was reversed, without letting me know anything, they just starting sending new applications to apply if I was having trouble making payments as scheduled by them on time and my payments were NOT even reduced. They added what I was behind on to the end of the loan and apr dropped 1/2% only. Now for the past 3 weeks of calling I'm stilling no closer to getting an answer.

I submitted remod app. additional info was requested and submitted. 3 months goes by with no response. I phone to inquire on status and am told package has been sent to underwriter. 1 week later a letter dated the day of my phone inquiry says remod was declined for lack of documentation. a subsequent phone call revealed all documentation requested was provided and that the file would be revisted and would take another 30-90 days. what up? clearly Chase is not interested in following through with home remods.

I posted a comment previously about sticking chase with a huge loss, in my mind. We will walk away from this mortgage debt with no moral, economic guilt of any kind. I read in other comments that chase loss mitigation people are not the people to deal with if you would like to save your home. chase does not even have the balls to tell people that upfront? The loss mitigation department is like a debt collector for the bank. Treat these people as such. Say whatever you would like to the person on the other end of the line for quality control purposes, because you may see them in a bread line soon! Make sure you get each and everyone of thier last names as well. Face it people, your credit is shot, you will no longer be a viable producer of wealth for these people in this current system. You used to be a profit producing entity for this bank, now you are an expendible liability to this corporation and many more for years to come. Should you fight this and try to re-enter this system? I for one am pulling back and taking the all cash and barter stance! Screw all government entities and corporations at every level. Stop dealing with these people on thier terms! Yes, it may be painfull at times; but the times that satisfy will out weigh those by a mile. PRICELESS! I am 50 years old, and i will never have another loan the rest of my days on this rock! I will continue to teach my children the same; as I believe this will be thier only chance for a productive existance? Jamie Dimon; I hope we meet face to face before we depart this world; you are the typical piece of sh@! I know you are; and you will recognize me because I will be the one with the 12 gauge pooper scooper in my hands!

Hi there..
So I"m on here again.. one of the many people who had insurance trouble with Chase.. I just posted..
So since June we have been trying to fix this trouble with escrow, insurance not to mention we get the same letter for this year requesting proof of insurance.. YES, so now my husband finds out that it
is Chase that and their reports to the Credit Info providers.. my husband opens his Discover bill and...
poof they have lowered his credit available due to
past due from Chase HOme finance.. it was Chase's mistake not to read the insurance papers properly..
and Now OUR credit rating is effected...
THis is way too bad.. THey really don't want us as customers or they would clean up their act..

Started my refinance process in October of 2017, and went with Chase because I thought it was the easiest way since my mortgage was already with them. I sent in all my paperwork, tried to hold them off from taking the $750 fee until they just took it from my account. $350 is refundable once you close. I really didn't know what I was doing and trusted that I was getting the best deal and my mortgage broker kept telling me to trust him he has my best interest in mind, etc. Silence for a while, and they called and said my loan was approved at 5.6 and do I want to close tomorrow? I asked to see the paperwork I would be signing ahead of time, and was told this couldn't be done. At this point, I had asked around and thought I could do better (in the rate). This is when the abuse started. My broker told me how much time he had put into "helping me out" and that my credit rating was so poor I was lucky anyone would even consider refinancing me. It was getting close to Christmas and the pressure to refinance was taking a toll on me. I decided to shop around, and found another company that offered me a much lower rate at the terms I was asking for. I contacted Chase for the refund of my application fee, and went through Consumer Office in my area. Today - June 1st - I received a letter from Chase Executive Office stating that they researched my claim and that I signed a note at 5.1% was given a credit of $350, and therefore would not be refunded the remainder of my application fee. They must have researched another loan because none of this information is true. I tried calling the number at the bottom of the letter but was told this person was not working. Left a message and will update if I hear anything.

I called chase on march of o8 and asked them if they could cut my rate from 8%, they told me it would cost me $6, 200.00 and 2, 200.00 of that would be for a new title. They hold the original title, why they would want another one is beyond me. We have never missed a payment in over 6 years or ever been late. When we got our mortgage right at the signing we were told to sign a form, stating we could not sell our home for 5 years. We have sent all bank statements, tax statements so many times, they just keep putting us off. I thought obama stated that the banks would rather help people than force foreclosure. Well I think that is a load of bull.

We submitted all required forms, documents, etc. to Chase in February 2017 for a Home Loan Modification. Todays date is 4-19-11 and absolutely nothing has been done. We have sent 5 requests for a modification. My file is about 5" thick of everything I've faxed to Chase costing approx. $225 in fees. We were assigned a relationship manager in March 2017 and dealt with her til July 2017 when she informed us we were denied because of turning in a required document 1 day late. I told them what date their letter of request for further documentation was dated and when I received it. Chase's letter stated I had 5 days from date of letter to return documents. It took this letter 6 days to reach me. Can you see where I'm coming from. So we started process over again. From July to December 2017 I faxed 3 different home loan apps because AGAIN CHASE said there was nothing on file, yet I have fax confirmations. In December 2017 after calling to check status I was told we were denied again because Chase doesn't think we reside at the property. When we purchased home in 2017 our physical address was a route #. Our county issued 911 addresses in 2017. This information was submitted to Chase over and over! So, we started the process again and have been put through the ringer in attempting contact with the proper dept. I usually spend approx. 1.5 to 2 hours on the phone each time I call them, because I am redirected over and over and have to tell my story each time. The telephone numbers provided for home loan mod. are redirected to customer service. Rec'd letter from Chase 3-5-11 acknowledging receipt of loan mod. request. 1st part of April I spend 2 hours on phone to again be told they don't show anything. I was finally able to speack with some who gave me and email address to place a complaint. I have received notice from Chase that this is being looked in to and I should hear something in 30 days. We'll see. If I had the money to hire a lawyer I would. What can WE DO?

I have lived in my home for 23 years and refinanced with Chase Home Finance in 2017 with a "no documentation loan", whereby no proof of income was necessary. I was starting a business at that time and used the refinanced funds to finance a business for my fiancee and I, only our relationship ended and I got stuck with the bills. I always made my payments on time but due to unemployment, I am now months behind. I started contacting them back in 2017 to let them know I was expecting financial difficulty. After two letters to them and a 45 minute phone conversation, I was told that I do not qualify for the current government bail-out because I am unemployed. I found that you only qualify if you are employed. Chase was supposed to send me some "forms" to complete and send back to them, upon which one of their employees would contact me. I received a mailing from Chase, expecting the forms to fill out, only to discover that it was a "warning" that I was in default and detailed threats of what they were going to do to me. It is as though my letters and phone conversations never existed! I had to call Chase again, and they said they will send the forms "again".

I have another problem now - what to do about paying flood insurance. Where I live, it is required and I don't have funds to pay that either, due to my employment status. The mortgage company can "force place" insurance on you at an exorbitant price.

I continue to actively seek employment on the internet career websites and through employment agencies, but I never get a response to my Resumes.

It is getting harder and harder to have hope that things will turn around, not just for me, but for all those out there that are experiencing severe financial ruin and are ready to be forced out of their homes. I have had to learn a lot of hard lessons through the past year, both personal and financial.

Thanks for reading my blog, and if you are in a financial mess as I am, my thoughts and prayers are with you.

I put a deposit on a vehicle that I later changed my mind on. This was in June of 2017. I still do not have my $5K deposit returned after I notified Chase that I wanted my deposit returned in June of 2017. It is May of 2017.
I also started a mortgage refinance with Chase in February of 2017. They told me they would clos by end of March. I still have not closed on this refinance, nor have I received any truth in lending or paperwork with the correct loan terms on it. I have reported them to the Office of the COmptroller of the Currency as they are the federal regulators for Chase.
I have nothing good to say about them. There has been customer no service. They have delayed and have violated laws and violated thier agreement with VISA to support the consumer.
They are awful.

My husband had to take a reduction in hours due to the economy and I am handicapped so unable to go to work to make up the difference. We contacted Chase to see about the Re-Modification program and did everything as they asked. Well after resubmitting our paperwork numerous times we at last were told in March 2017 we would be on a 3 month trial period to qualify for the program. Also in March of 2017 a non-profit organization in our area did a 5k walk to help 2 families with catching up their back payments and we were one of those families. In April 2017 we made the required trial period payment along with a 20.00 over the phone fee because they, Chase, stated we could do it no other way if we were to stay in the Modification Program. Yesterday we received a Mortgage Loan Statement from Chase and I noticed they did not apply the April payment but put it in a Suspended account and charged us an additional late fee. We were NOT late! I called them and after being todded from one person to the next I at last had a customer service specialist ( LOL ) tell me that because of the non- profit organization catching our mortgage up in March that we do not qualify for the program even though they took our trial payment plus additional phone fee in April without saying one word about what they were going to do. We have also never received anything by mail from them stating so. I told them we still can not afford to make the original payments and that I did not believe it was right that they considered the non-profit organization a means to our dilemna. They told me that I could try again for the Modification program even though I think they are wrong in what they did. I would have told the non-profit organization to help someone else if I had known this would happen. Please if anyone out there has filed a class action suit against Chase, contact me immediately so I can join.

Chases whipping boy: Ok here it is in 2017 I lost my job and was unemployed for four months well you know the story no income no bill paying. Was able to get reemployed and get in touch with Chase lets do something about our arrears no call back what so ever in stead I received a foreclosure letter So I went into bankruptcy in 2017 to protect my home. Now lets go into there abuse The whole time I was submitting my payments through court Chase refused to send me monthly invoices you see my mortgage was 6% plus prime every month yes a fluctuating rate which means the payment was different every month So I get through the Bankruptcy and chase still would not send invoices I September of 2017 I got injured at work and have been out ever since One hand surgery and fourteen days in the intensive care unit, I get in touch with Chase again and go through the whole Forbearence deal proof of income, home owners insurance, a complete listing of my monthly expenses and a gerable in the pipes Well I faxed all this info and I get One call back some two months latter stipulating that a decision was made on a work out but they needed my information again well I complied another two or three months go buy and I receive my foreclosure papers with fourteen days to reply

it is July of 2017 I have never received a bill from chase They purchased a Mortgage in good standing from Bank One and are attempting to steal My Home of Twelve Years Well sorry Chase I need better Customer Service for now I will see you in Bankruptcy Court again Do you guys think I can receive a bill before 2017 You already ruined my credit lets dance again I get one more chance remember LOL...

I wrote to chase home finance llc (p. o. box 50911, san diego, ca 92127) last year in december and requested a term extension. they wrote back 3 months later and offered me a loan modification increasing my fixed interest rate from 4.99% to a variable 5.8%. I had not requested a rate adjustment and obviously declined their ridiculous offer.

Chase however, went ahead and modified my loan without any authority from myself as a result of which every payment that I have made since march 2017 has been placed into a chase suspense account. this has meant that my mortgage account went unpaid and I have had letters and phone calls from them notifying me of my late payments and charging me $128.82 each time in late payment charges. needless to say I have called countless times to notify them of their error, but each month the same thing happens.

I have today received two more letters from chase. one is a mortgage statement which shows that my mortgage is in arrears and the second is a letter indicating that chase has reported these "late payments" to equifax, experian, innovis and transunion.

I have been a chase customer for 4 years in which time I have never made a late payment. I am now in the process of applying for a new home loan on another property and am beside myself with worry that chase's error will have an adverse effect upon this application.

In an effort to help out a friend we decided to offer him one acre of land. It perked, was appraised and was surveyed. The day before closing the attorney called to say a lien was on the property. We were perplexed as the land was all paid for and we knew Chase had 2 1/2 acres but not all 17 acres.

Over the period of one month many calls and attempts to clear up the situation proved to be of no avail. If you get to talk to someone they connect you to someone else, then another and another. You finally feel like you are getting somewhere.

You follow their instructions, one person acknowledges your correspondence and says they will call you back. You wait and wait, no calls. You call again and again and they instruct you to do the same thing over and over again. You get no where.

Our next step is to contact attorneys, delaying our effort to help our friend. Chase is trying to acquire all our land which is NOT what we stipulated at the time of our loan. We encourage everyone to read over their contracts and make sure all the paper work has been exchanged that needs to be as in our paper work not all pages were given to us. Don't be in a hurry when refinancing.

I have an FHA loan with an impound account, of which Chase is supposed to administer. When I went to refinance the loan, they assured me and the new lender that they were paying the property taxes. After withdrawing from my escrow account, paying the County, and then subsequently getting refunded by the county through error - I got stuck with $350 in delinquent penalties. Chase refuses to acknowledge their responsibility and will not pay the fees. DO NOT DO BUSINESS WITH CHASE!

I have lived in my home for 23 years and refinanced with Chase Home Finance in 2017 with a "no documentation loan", whereby no proof of income was necessary. I was starting a business at that time and used the refinanced funds to finance a business for my fiancee and I, only our relationship ended and I got stuck with the bills. I always made my payments on time but due to unemployment, I am now months behind. I started contacting them back in 2017 to let them know I was expecting financial difficulty. After two letters to them and a 45 minute phone conversation, I was told that I do not qualify for the current government bail-out because I am unemployed. I found that you only qualify if you are employed. Chase was supposed to send me some "forms" to complete and send back to them, upon which one of their employees would contact me. I received a mailing from Chase, expecting the forms to fill out, only to discover that it was a "warning" that I was in default and detailed threats of what they were going to do to me. It is as though my letters and phone conversations never existed! I had to call Chase again, and they said they will send the forms "again".

I have another problem now - what to do about paying flood insurance. Where I live, it is required and I don't have funds to pay that either, due to my employment status. The mortgage company can "force place" insurance on you at an exorbitant price.

I continue to actively seek employment on the internet career websites and through employment agencies, but I never get a response to my Resumes.

It is getting harder and harder to have hope that things will turn around, not just for me, but for all those out there that are experiencing severe financial ruin and are ready to be forced out of their homes. I have had to learn alot of hard lessons through the past year, both personal and financial.

Thanks for reading my blog, and if you are in a financial mess as I am, my thoughts and prayers are with you.

I have been having problems with Chase since the first of the year. I followed their instructions, but only hit a brick wall, so to speak. They claimed that I was 1700 or so behind in payments. I sought legal help and tried to comunicate with them on their level, since I was getting nowhere on my own except extremely upset. To make a long story short, I got my bank statements back past the time they claimed I wasn't making payments along with their payment records of the same period. They wanted copies of the "checks" that I claimed that they cashed during the months they said that I not pay. Again another problem. They do not return the checks due to a new payment system they now use, Even though I had bank statements proving them wrong they would not listen. Their research department can not be real because I have sent paperwork to them from my bank twice calling them liars and have never heard a word from them. It's really weird their paperwork doesn't make any sense. Anyway I sent them over 1700 dollars and everything was fine untill this month. They sent my payment back, as they have in the past. I called customer service and they said that I was 2600 dollars behind in payments! OH yeah I was over 1000 dollars in late payments last time now it is around 600 dollars. If I hadn'd been making payments I would understand why this was going on but I have and there is no way to communicate with them on this matter. Another thing, I do not like to send my payment to a PO BOX I think that could be another problem.

Dana Byrd
1137 Country Side Dr
Webb City MO 64879

I am Disabled on SSD and my wife works Retail sales, Last year we had to refinance our home we have had for 9 years now, Because of my disability and some personal matters we refinanced with the same company Chase Home Finance. Our origanal rate was 7.00% and Chase raised our rate to &.75% because we were having a had time! They said we could refinance after 1 year and drop our rate!, We owe $175, 000.00 on a home worth around $250, 000 - $300, 000 right now. Well I finally setteled my Workers comp case and between SSD and workers comp my monthly income has gon from $1, 100 to $3, 500 a month. The Mortagage was in my wifes name because of my situatiion when we went to refinance Chase told us we did not qulafiy for a refinance, and my wife has since lost her job. Chase calls 7-10 times a day even after I speak with them, we are only late 10 days and the calls are all day long from them. They are very hard assed about anything speaking with them and refinancing even though the Mortagage is backed by Fanny May

We recently purchased our first home through a local lender. We were not aware until it was too late in the process that they would turn around and sell our mortgage to one of the "big" companies. When we closed on the property, we discovered they had made a major error ($2600) in our property tax calculations. We were purchasing a small piece of a large section that had not previously been parceled out, and they had charged us the tax bill for the full section, not our small piece. My husband caught their error, which they fixed at closing, and we thought all was well. Our mortgage was sold to Chase a few days later, and we made our first scheduled payment to them on October 1, 2017. A few days later, I checked our online account information and discovered that they had upped our mortgage payment an additional $312 and had decided that our escrow account now had a shortage. I called Chase immediately and was told by the first representative that even though the property tax was an error, I would have to pay the additional $312/month until the property taxes were reassed next year, at which point I would get a refund. I informed him that his option was completely unacceptable (it is!), and asked repeatedly that he transfer me to someone who could actually assist me. He finally transferred me to the Tax department. After explaining the entire story yet again, she informed me that I could call back with the estimated annual tax amount and the parcel number and they would update my escrow account information. I did that, and was told that they would just take a few days to get it updated. I called back a week later to verify. The first person I spoke with verified that the tax information had been updated and told me my new monthly payment was an amount that was $60 higher than my scheduled monthly payment as indicated by my closing statement. After 20 minutes of trying to get her to explain what the issue was, she finally said that it had something to do with my homeowner's insurance and that she'd transfer me to the Insurance Department. Instead of transferring, she hung up on me, and twenty minutes later (after navigating the ridiculous phone system), I finally reached an Insurance representative. I explained my story and she informed me that she can't help me at all. I asked her why they would transfer me to her if she could tell me absolutely nothing, and she said sometimes they just hear insurance and send people to her. I then asked if she could transfer me to someone who COULD help me, so she sent me to the Mortgage Payment department. This next representative told me that they'd just paid my Homeowner's Insurance premium a couple days prior and that I now have an escrow account shortage. I asked how that could be, as I paid my Homeowner's Insurance premium at closing, but she didn't seem to understand what I was saying. She told me I would have to repay an additional $60/month to pay for the Homeowner's Insurance for the next year. We went back and forth, with her finally pulling up our settlement statement (which I was looking at) and informing me that "12 times $65.60 = $196.80." I almost laughed, and said No, 12 x $65.60 = $787.20, THREE times $65.60 = $196.80, which it says right there on the statement. I finally said, look, either transfer me to someone who can actually assist me and is informed, or I will have my mortgage banker call you tomorrow and straighten this out, because you and I are never going to get anywhere. After hanging up the phone, I flipped through my Escrow account summary and realized that my Homeowner's premium wasn't supposed to be paid by Chase until next August (2017), since we'd paid this year's premium at closing. Apparently their Quality Control is woefully inadequate! I called again right away the next morning and explained to the Insurance Department what they'd done. They then informed me that I would have to wait for my Insurance provider to refund me the money, and then I would have to send the money back to Chase (I have to pay for their error?) - no apologies, no "hmm, that shouldn't have happened." I contacted my Insurance provider, who immediately said they'd take care of it and they would inform Chase that the check would be going back directly to them, so that I would not have to have any part in it. Then, the next day I get a letter from Chase saying they now think my insurance coverage is too low! I am beyond frustrated. We met all the requirements and jumped through all the hoops of our mortgage provider, and then they sold us to a company who doesn't do their homework or pay attention to details, and whose standards are apparently mysterious enough for my mortgage lender not to have full information upon our closing. I will be refinancing with a new LOCAL company as soon as we have enough equity built up. I am SO disappointed in the service (or lack thereof) being provided me by one of the "Big 10." I wish they cared as much about their customers in their actions as they say they do in all their materials. What a joke.

We have been home owners for 10 years. We originally purchased our home in August 1998, since that time we have paid over $140, 000 toward the purchase of our home, which was originally purchased for $103, 619. We refinanced to an ARM in 2017 to $136, 000 and that mortgage was later sold to Chase Home Finance. We are now in danger of losing our home to foreclosure. While we take ownership of the fact that we have had trouble paying our mortgage over the past few months we believe that we would not be in foreclosure today if it was not for the poor business practices and communication of Chase Home Finance. My husband was then laid off in October. We knew at this time that this could cause us financial problems and shortly after begin the process to attempt to refinance. In November we were denied and we were unable to make the November and December payments. We did contact the bank in December to speak with them about possible payment arrangements and they referred us to loss mitigation. At that time we were pre-qualified for loss mitigation assistance. The loss mitigation specialist we were working with, Kristina McFadden, advised us that we would not be approved unless we were 90 days over due and advised us not to make January payment if we wished to be considered. We assumed they were giving us sound advice and proceeded as directed. In February, we were told we were pre-approved for loss mitigation assistance and while we were waiting for this process to take place, we entered into a re-payment agreement with Chase which would basically allow us to put off the extra payments until June, by which time we expected the loss mitigation refinancing to be completed. We made payments as per the agreement in February, March, April, and May. In March, we also submitted a payment for January (the payment was short about $150) in our attempt to bring our account as current as possible. At the end of April, we received a letter stating that our loss mitigation assistance request had been disapproved. We went back to the bank and Ms. McFadden stated that she didn’t understand why we were disapproved and would resubmit. At this point, we began to feel in imminent danger of losing our home and so put our home on the market. We continued to make payments as arranged. Also, during this time, there was an error with our home insurance company, who had over charged us by about $1000. We got with the company and corrected the error and, in January 2017, even change insurance companies – reducing our annual payment by $1400. Both the new insurance company and we contacted Chase, but they refused to reduce the payment or escrow account until our account was current. In June, we went to the Chase branch to make payment and they would not accept payment because there was a code on my account saying they could not because we were in loss mitigation. We than called Chase from home who stated they would remove the code because we were no longer in loss mitigation. When we went back they still had not removed the code so we finally mailed a check with the payment on 6/5/2017. It was returned to me on 6/21/08 stating it was returned due to the fact it had to be certified funds. When we attempted to then go to the bank and pay this with certified funds, they refused to accept the funds saying that there was a flag on our account and that the account was in full foreclosure. They stated they could only accept the full amount of the mortgage. We have begun looking for a lawyer at this point . We received written notification of the foreclosure on 7/7/2017. Throughout this process, especially in the last 2 months, Chase has refused to discuss the situation with us. We either get people saying they can’t discuss our account because of the flag or we get transferred from one department to another until we get voicemail or a notice that someone will call us back, which does not occur. We have sent out a formal complaint .Which is necessary as the poor communication and advice from Chase employees is what has us now in a situation where we may lose our home over the next couple of months. We do still have our house on the market and will end up selling if we can get a buyer in this housing market. Even if this occurs, we still believe that what Chase is doing is not of the law, as they are not honoring the payment agreement. Most importantly, we believe Chase’s business practices should be investigated also to ensure other homeowners don’t fall into the same trap that we have been immersed in. From searching the internet, we feel that we can safely say that we are not the only ones having mortgage issues with this company nor the only ones who feel Chase is responsible for increased foreclosures. We would request that Chase’s lending practices would be closely examined for both legal and ethical practices.

Our balloon mortgage matured 6/08. (At the time, we were w/ Washington Mutual who was bought out by Chase.) We were unaware that our mortgage was going to mature. The mortgage maturity caused the bank to cancel our automatic monthly withdrawal. We were notified in 8/08 about the past due payments & worked with Sherry Blisset, Chase Home Loans in IL to modify the loan & reinstate monthly withdrawal from our bank account for payment who told us that this was a permanent fix. This 'fix' lasted only a few months when the withdrawals were again cancelled without our knowledge or consent.
We were notified several months later that our loan was again past due & we had to start the paperwork & loan modification all over again. (The paperwork & loan modifications take 20-30+ hours on the phone over several weeks w/ min. 10 people before you are transferred to the correct department. A colossal waste of time & money.) The 'permanent fix' & reinstated monthly withdrawal for mortgage payment again only lasted a few months when it was unexpectedly cancelled without our knowledge or consent, of which we were notified in October 2017.
For the third time, I have already spent over 60 hours on the telephone with numerous, numerous people trying to GIVE CHASE MONEY & fix our loan so that we can continue to make payments. The first nine people that I spoke with all said the same thing- They had no idea why, but they were unable to take any money from me, they could see the problem but had no idea how to fix it and also had absolutely no idea who I could speak with to fix the problem. They even acknowledged that while I am begging them to make a payment & they are refusing to take it, that they were going to continue to report the delinquent account to the credit agencies which is significantly negatively affecting overall credit scores & line of credit with our credit cards. The Loan modification department continues to tell us that we need to modify our loan. We have done this TWICE and it has not been a permanent fix either time. Filling out all of the same paperwork and submitting it for a THIRD time will most likely not be a permanent fix either. We would like a PERMANENT FIX.
So in a nut shell, we owe Chase money for our mortgage payments- I have repeatedly tried to give Chase the money owed- They refuse to take my money, don't know how to help or who can help fix my account and continue to report me to the credit agencies & seriously mess up my credit. We continue on-going attempts to work with Chase, currently with no positive outcome.
Our Desired outcome:
1. We would like to be able to make payments to Chase to have our account balance up to date. (How many people do you know who BEG to make their mortgage payment?)
2. We would like to have our mortgage PERMANENTLY 'fixed' so we are not running into the same problem every few months.
3. We would like to have the monthly payment withdrawal PERMANENTLY reinstated so that we can continue to make our mortgage payments ON TIME from our Chase bank account.
4. Most importantly, we would also like Chase to update the reporting with the credit agencies (going back over the last 1 + years) so that our credit is not negatively affected.
Please help us! We WANT to pay our mortgage and are devastated by the effect this (and the last two times this happened) is having on our credit. Prior to this, we did not have any negative marks on our credit reports. This is causing significant damage & we have no control & no way to fix our damaged credit which will haunt us for the next 7-10 years.
We are in Illinois. If anyone has any suggestions, we would LOVE help!
Chris Hart
ChrisHartIIDA@gmail.com

Chase padded my escrow way too high. They sent me a high mortgage with new escrow. I could not pay it, but I sent in the minimum amount I usually pay on time! They are holding it and charged me a $59 late fee because I did not "pay my mortgage". Why are they allowed to continue with this rip-off of decent, law abiding citizens? I did pay and on time, just not the excessive amount they asked for (over $400 extra).

I got a call from Chase today, along with my statement in the mail. The call was from the collection department of Chase Home Finance. Last month, I called to see if I could send a partial payment, ($164.56 short of the full payment) and was told that was acceptable, and to send the rest of the balance with next months payment. Being the trusting person that I am, I did not document who I spoke to, and being the great customer service rep whoever this was, did not document that I called. Now Chase is saying they do not accept partial payments and the money they went ahead and drafted from my bank account is now sitting in suspense and will not be applied to my account until the balance is paid. This has showed on my credit report also, even though I have not received any messages asking me to call them regarding an issue. When I called today, I spoke to a lady named Victoria on their collections department and was told the payment would absolutely not be applied until I made the balance due. I have never been late with my payment and find this totally ridiculous that calls are not documented correctly and with my payment history showing never late, this poor excuse for a company will not accept a payment that is a shopping $164.56 short of a full payment.

We are going through a nightmare with chase home finance. My husband was laid-off earlier this year, so I was making 2 split payments to chase for those couple of months until he got called back to work. After he was called back, we made payments in full for each month. We didn't know and no where in any of our paperwork does it say that chase does not accept 2 payments per month. So all the money we sent them for those couple of months were placed in a "suspended funds" account and never applied to the loan. We were floored when we received an act 91 notice in the mail. We immediately called them and was then told about the "suspended funds". They had no problem cashing the check every month and holding our money, but wouldn't apply any of it to the loan. So it appeared as though we were in default on the loan. They suggested that we apply for their homeowners assistance program and once approved, the suspended funds would be released and applied to the loan. However, we would need to pay for their document fees, prep fees, late fees, penalties and misc. Fees. We didn't want to lose the house, so we said fine. Surely the fees wouldn't be that much. Well we went through the whole process, we were told we were approved, just need to wait on their analyst to call with the amount owed for the fees. Once that payment was received, our account would be current. She finally called and denied us. She said that we didn't meet the requirements since there was money in the suspended funds account. We would now need to pay all the past amount due (Which is in the suspended funds) and a huge amount of fees to make the account current and then the suspended funds would be applied after-wards. We didn't know what to do, so my husband went into work and took the money out of his 401k to bring the account current. His work had to speak with the bank to verify the amount they wanted. We received the check about 10 days later and called chase the same day to re-verify the amount due and told them we were mailing the check that day. They asked for a payment by phone, but we wanted a paper trail. They gave us the address of where to mail it to and made a note that payment was sent that day. A week later were get a letter in the mail that now our account has been turned over to an attorney and we have to pay all their legal fees. The letter is dated the day after we called and was postmarked 5 days later.in the meantime, they said our check has been denied but refuse to return it. So in total, they have money in a suspended funds account, most of it they took to apply towards bogus fees they charged, the check we mailed to make the account current and we are overpaid on our escrow too. All of this money the refuse to return or apply to the loan. Chase now said that their attorney has applied for a sheriff's sale and we need to vacate the property immediately. We are at our absolute wit's end with this bank. And honestly do not know what to do other than to start packing. My husband can't touch his 401k for another 6 months and we do not have the money lying around for them to "hold" and not apply to the loan. Can someone tell us if what they are doing legal and who can we talk to?

My husband lost his job and we had to relocate for him to find employment. We had to leave our home. We could not pay our house payment and the rent on the house we now live in. We stayed in contact with Chase and communicated with them concerning our situation. We proceeded to ask about handing the deed in lieu of foreclosure. My husband spoke to two different representatives of Chase. They both claimed we could hand in the deed if we followed the necessary procedures. (house up for sale for 90 days, and appropriate paper work) We did these things. Never heard anything. Then received a summons for foreclosure.

Called Chase they said they needed to assign us a negotiator. Called back a couple weeks later as instructed, no negotiator assigned. I asked them why we had not received any information concerning handing in the deed and instead received a notice of foreclosure. I told the rep that we had been told DIL would be possible, he proceeded to tell me that "your husband heard what he wanted to hear" and that Chase rarely does DIL. I then said if that is the case Chase should inform it's representatives of this and that they should make that clear when a consumer requests a DIL, furthermore went on to tell him I knew my husband heard what they said and clearly understood what they said. He then told me I was not to talk to him in this way and said he would put me on hold or hang up. I did not insult him I was just making a point and he continued acting as if he was so self important as if he was the Queen of England, the President, or some other powerful figure threatening to cut the phone call off (give me a time out I suppose);) I asked him if he was the one my husband talked with or if he had been involved in the conversation my husband had concerning DIL, he did not answer and only again said he was going to hang up on me. I told him all I want is communication and to be notified of what my status is when I send in forms and info, he said they don't have time for that, I told him they sure had time to send out a notice of foreclosure. It's like my mother always says, "we do what we want to do". I just wish they would have been honest from the get go and say "we are not interested in DIL or a short sale, we are going to foreclose on you regardless of what you request". Instead they turn it back on you and say you made something up or misheard them.

Earlier we had a potential buyer for the house. We requested a pay off quote. A couple weeks went by, no pay off quote. I called back, they said nobody sent it out, "sorry". By the time we got it the potential buyers had moved on.

We now have another potential buyer but of course now we have to send in more paper work, and yet another hard ship letter. They could write a book about our "hard" life with all the hardship letters we have had to send.

Chase states that "The last thing Chase wants is to foreclose on your home." The front cover of a brochure they sent me says, "Have you experienced difficult circumstances beyond your control? Are you having trouble maintaining your monthly house payment? Are you worried about how it will affect your credit? WE, AT CHASE ARE HERE TO HELP." This is a false statement. If anything they do everything to hinder your efforts to avoid foreclosure and insult you in the process.

Good luck for anyone else who is dealing with Chase. Hope your situation turns out better than ours.

Every single month on the 1st, I set up an automatic mortgage payment with Chase bank to be paid on the 16th. Contractually, Chase has given me that grace period. I quit mailing my payments when, like 1000's of others, they would wait weeks to post the payment. Every single month starting on or about the 7th, even with the pending payment in their system, Chase reps start calling me. They always have to verify my address and phone number. Why do they need to verify an address for a property on which they hold the mortgage? And, why do they need to verify a telephone number the they just reached me by calling?! I was told, it's there policy but to me it's harrassment. I even had one rep insist I tell him where I planned on getting the money to make the mortgage payment. I told him it was from selling drugs and hung up on him. Now Chase has kept the policy of only hiring the absolute rudest customer service reps they can find, AND has made sure they have so little command of the english language that they are impossible to understand. I'm a pretty laid back person but Chase makes my blood boil. The kicker is that my mortgage was sold to them - they weren't even my choice of mortgage lenders. What a bunch of jerks.

We have had a lot of trouble with Chase trying to get our home loan modified. Our first attempt was in May 2017. We received documents for the Modification but they had my name and another man's name which was NOT my husband's. We waited for months for new documents to come as they said they would fix them and resend. We never received any. I called and was told our information was out of date and that we need to resubmit everything. So we did. We resubmitted all of our documentation 3 more times. Each time we were never informed that something was incomplete until we called months later to check the status. We would then be told something was incorrect, missing or that it has now been too long again and we would need to resumit everything. I feel we should have never resumitted documents. Chase should have fixed the paperwork they originally sent in 2017, like they said they were going to, so our Modification could be complete. Today we received a Notice of Default pinned to the front of our house because we are behind on one of our loans with Chase. My husband and I do not want to lose our office. Which would be why everytime we were told to resubmit everything we did. I called Chase today to see what we need to do to maintain our house. I called and left message at the number we were given. I then called the number given for Chase. I was then transferred and/or given 5 different numbers to call. I was transferred, put on hold and hung up on. Every time I call Chase this is what happens. No department ever seems to be the right department. No one knows what to tell me. No one really seems to know much of anything of what needs to be done. I still do not understand why Chase was never able to fix the original paperwork that was done in 2017.

Absolutely the WORST Customer Service I have ever experienced ! I can not get ANYONE to help me . They keep passing me around to every department they have in there system and have hung up on me three times ! I was on hold with one agent named Janice whom assured me we would not get disconnected as she searched for the correct department and sure enough she disconnected with me . I had asked for a direct number to call her back and she said she didn't have one so I asked if she would take my number and she said she could not call out !
It's been an hour now of calling around to find the rigght department to just check on the status of my account ! Unbelieveable ! Where do these employees come from ? They are the worst customer service reps ever and why would chase keep them knowing all the complaints that come in daily regarding their service ?
I still have yet to get my simple question answered !
I HATE THIS COMPANY !

I have been dealing with Chase since the summer of 2017 about payments. You never get the same person twice. They never return your calls. You make payment arrangements with one person and you call back and you get someone else and the terms change. They did a forbeance agreement terms over the phone Dec. 1, 2017 and said I had to to put 50% down for good faith but 2 weeks before they told me %20 down. It ended up being 35% down. They put us on a 6 month payment plan of $758 and didn't have to make a payment until Feb. 1, 2017 and said we would receive the agreement in 3-5 days - sign it and then wire the $3, 500. Well we didn't receive the agreement until Jan. 5, 2017 and the terms had changed (WHAT A SURPRISE -since they had changed everything they ever said to us since the summerof 2017). You couldn't read the agreement because it had been scanned and e-mailed to us. I called Chase and they basically said to bad. You have until noon the next day or foreclosure begins again. I have never dealt with anyone that is so unwilling to work with you. They would rather foreclose than help people that have lost jobs and are trying to get back on there feet.

I have a home loan through chase and I recently fell on hard times due to a medical condition and was unable to pay my mortgage...I called chase and arranged a repayment plan once I went back to work...I had Bank of America send them my monthly mortgage payment and chase sent it back only I didn't get the money back to my account...they told me they couldn't take the payment since my house is in foreclosure...news to me. So now they won't take any money to get me caught up but want to see if I qualify for a modification mean while my mortgage is still due so if I don't get the modification I'm still in foreclosure...one would think that I'm showing good faith by paying over what my mortgage is and trying to get caught up but instead of accepting it they are hindering me.

Dear Chris,
Our story with Chase sounds EXACTLY like yours. We have been through the modification nightmare, which is just a stall tactic to keep you confused, frustrated and stuck! Our credit is now ruined, even though we did get them to correct 6 months of faulty reporting, but out of 5 years, that doesn't make any difference. Chase wants you to walk away or have your home foreclosed. Either way they win. I've never imagined that a mortgage company could perform dishonest practices and get completely away with destroying millions of lives all with government backing and support. There is a solution for us poor homeowners, I just haven't found it yet. I dont want to lose my home but i dont know how to anymore, and If we can even rent now, it seems a much better life than having to deal with the demons at Chase.

I have to agree with the original complaint only because I am currently having an awful time with Chase after my bankruptcy. I filed three years ago chapter 7 and your right no collection activity was made by Chase, HOWEVER, three years later I call them to find out why the house hasn't been foreclosed on yet and they state they didn't know I filed bankruptcy--hmmm they are the only creditors who didn't, and if they didn't why were no collection attempts made this whole time--and they turned me over to a collection agency on my mortgage. (could it be they have done this to a number of people, because had they followed the process they should have my foreclosure would have fallen in the dates of the recent lawsuit they lost and they would have had to include me in their court ordered repayment of borrowers. They've been proven to use not-so-legal techniques and I can clearly see they haven't changed their ways. Chase Home Finance is NOT a stand up company, they have awful customer service (transferred 6 times in half an hour and cut off numerous times between, before I finally had to get angry and force someone to give me answers). The only thing Chase responds to is the threat of legal action because they know they use unfair and illegal practices.