Chase Home Finance / fraudulent practices
As a single and uneducated woman as far as mortgages are concerned, I refinanced my home (33 years here) to get money for college for my kids, pay off bills, get a decent vehicle so I could get to work. I did this with a referral to a supposed honest company. Well, it wasn't Great Day Lending aka Good Day Lending took the initial paper, charged me outrageous fees, and then in 90 days sold to Peoples Finance. Chase "services" my loan. Their service has included forcing me to give them a tracking number and check number even though I told them I always go to the local Chase branch and pay cash for the mortgage payments. They insisted on the personal information, then said they promised not to deposit the check, and told me to call in teller number and receipt information, which I did.
They deposited my check anyway, and of course, the money wasn't in the account as I had told them it would not be. I pay cash at the branch. Had to go through hell and incur fees because of their error.
Also, they applied "their insurance" when they said I had no coverage. I pay my homeowners a year at a time. They have refused to reimburse for that charge.
My interest rate adjusted, and I immediately began the process of working on this through modification programs. They promised both myself and the group that has rescue funds they would not file foreclosure documents while I was in the process of the modification. They filed anyway, racking up legal fees, embarrassing me by having the Sheriff bring the papers, and upsetting me to the point that I didn't know if I was going to be thrown out or what. My 78 year old mother had to sign for the papers while I was working. The group that has the funding also contacted Chase to remind them that they said they would withhold filing foreclosure until a decision was made on the modification.
They granted me the modification, would not adjust paperwork to allow for a $3000.00 contribution payment I could have received from this group even after I called and asked them to explain why they would not want a $3000.00 payment instead of $695.00 which is what they asked for. The $3000.00 would have benefited both Chase and me.
I received modification papers that had incorrect dates on them. They asked for the good faith payment by January, then called in November and asked where the payment was. I read from the documents they sent, they realized there was an error and gave me two weeks to get the money, keeping in mind I should have had until mid-January.
I had an appointment with the group handing the rescue funds and drove through a blizzard while on duty for my job...taking twin 8-month old babies to make sure the documents were notarized and Fedexed to arrive on time. The AKron group notarized all documents and enclosed "their" check and Fedexed the package.
They also told me that the good faith payment "had to be there" by the time the first regular payment was due...which was January.
Regardless, I knew the modification and check had been sent. I didn't hear anything from Chase regarding the new payment amount so I contact them. They first indicated they didn't get the modification back. The Akron group called and they said they got the mod but not the check, then they said they got it all, but at wrong address.
The Akron group, which has been helping thousands of people with these rescue funds, got an address from someone at Chase and mailed to documents and check. They mailed it to AZ when if should have gone to CA.
It arrived by the date they wanted it, just at another Chase location used by the Akron group.
THEY CANCELLED MY MODIFICATION. NOW THEY WANT ME TO PAY $4500.00 FOR A 3 MONTH TIME FRAME TO SEE IF THEY WILL GIVE ME A NEW MODIFICATION.
Now they will take the $3000.00 to cover the additional legal fees that will bill me to duplicate the first foreclosure, which should never have been filed.
I am trying to work with ESOP and supposedly they have a lot of power against Chase. They know they are fraudulent in more ways than this. I worked on this issue since April 08 and finally got it finalized, and because someone else sent the information to an alternate address, I could become homeless. I am 55 and work 50 or more hours each week just to have a place to live.
I had a appraisal done on this home and it is currently worth $60, 000 less than I owe, and part of what I owe are fees added on by Chase due to modification. Now they will duplicate those fees and possibly not give me another modification.
Their reps are arrogant and unfeeling, Nazis.
Anyone have any help for me? I owe about $125, 000 on a 69, 000 house. Would love to walk and purchase one of the houses similar that are now selling for 40, 000 to 60, 000.00. That would make my life so much easier, could sleep at night.
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