Chase Home Finance

by Anonymous From Eastpointe, MI on September 01, 2010

by Anonymous From Spring, TX on August 30, 2010

They are very LAX in the helping department, and also put your # on an automated call line then answer the phone "How can I help you?" When they've called you. And their employee's tend to get very rude on the phone with you and give you very short unhelpful answers.

by Anonymous From Centreville, MI on August 29, 2010

I feel as though they really could care less in helping me keep my home,i understand that it is my fault that i have fallen behind in my payments, but when you have to decide to keep water,electric,gas and food in the home what are you really suppose to do??,Can you people at Chase tell me???

by Anonymous From Stone Mountain, GA on August 29, 2010

wants to help me I've been in my home for 9 years. Now that i'm experiencing financial difficulties, it seems no one can help me improve my situation. I attempt to make a payment, but Chase gives me a minimum that they will accept. It makes me feel as if they want me to lose my home. I'm a good person with now bad credit. HELP!!

by Hamed Mirzaie From Haymarket, VA on August 27, 2010

I was in the process of modification and Chase Home Finance couldn't give me a time line of when the process would be final. I was eventually disqualified from the program for not updating my financial information every 30 days!

by Denver Locke From Los Angeles, CA on August 27, 2010

by Marcus Cuellar From Chicago, IL on August 26, 2010

The modification process is taking months. I feel as if they do not want me to keep my home.

by sara duquette From Plattsburgh, NY on August 24, 2010

I never get the same person on the phone even if i ask.....can't get anything accomplished when i talk to 7 different people every time i call and get put on hold. It is so very hard to make a mortgage payment when i am behind on payments and trying to catch up, it seems as though no one wants to take a payment!

by Sheila Whitaker From Rhinelander, WI on August 21, 2010

by Anonymous From Fort Payne, AL on August 20, 2010

I have had problems with chase from day one

by logan winstead From Cottondale, FL on August 18, 2010

chase lost a payment i mail in to them! and like an idiot i didn't keep the receipt! never able to talk with someone who is able to help, I'm always transferred to another department.

by Yanira Ralat From Tampa, FL on August 17, 2010

They claim that I am 5 months or more past due, when I made all of the payments to the modification department. NOBODY from customer service can tell me where is that money. I feel robbed. That is a big amount of money for me, and is worse when it 'disappears'

by leticia de leon From Phoenix, AZ on August 16, 2010

by CAROLYN LAMBETH From Flomaton, AL on August 15, 2010

by Anonymous From Mcdonough, GA on August 14, 2010

by valerie anderson From Virginia Beach, VA on August 12, 2010

by Anonymous From Manheim, PA on August 09, 2010

by Sonia Hinds From Hollywood, FL on August 06, 2010

by Anonymous From Miami, FL on August 06, 2010

by Anonymous From Des Moines, IA on August 03, 2010

by Anonymous From Buena Vista, VA on August 03, 2010

We call and send money and still they want more paper work and more information I have a small filing cabinet with paper work I have Faxed and Fed Ex to them that they lost. We have had three advisers who all blame the last one. And RUDE!!! I had back surgery and was off from work for 11 months when I called after the first late payment they said to call when I went back to work because they couldn't help me. I called when I went back and was given the run around. Now they want to foreclose. SOME HELP!!!What am I to tell my two children. GET YOU SLEEPING BAGS WE ARE SLEEPING OUT SIDE Tonight! God help us he's the only one who can.

by Anonymous From Sylva, NC on August 02, 2010

This Bank is next to impossible to work with. They will have you on hold for at least 20 minutes EACH time you call. Also, even though an agent will give you there direct extension number when you call there is no way to dial it!? I have asked about this and they do not know what to tell you!.. You never get the same agent twice. I have sent Modification info, (to the tune of 150 pages) by fax 5 times and each time it gets lost. There is no one to speak with on the other side that can confirm they receive the fax. Sent the info by fed-ex only to get shredded before the agent got the info.. Just seems they wanted to get me into foreclosure to capture the equity I have in my home.

by Anonymous From Poway, CA on August 02, 2010

Forget chase helping! They are so so screwed up and don't want to help people! I have been trying for almost 2 years, and they still have blamed me, that I did not send back proper documentation and I have not communicated with them. I call EVERY DAY! where are all the recording that they say they are monitoring??? THey are crooks! Will never have another loan with them ever again!!! They do not want to help us!!!!! We all need to write letters to the CEO and tell them what a stuff hole company they have and run!!!!!

by Anonymous From San Antonio, TX on August 02, 2010

When they assume (or purchase) loans from another mortgage company they do not carry over the same payments as what the home buyer originally signed for. They request additional PMI and will escrow it into your note causing an increase in your payments. The turn around time and concern for home owners in jeopardy of losing their home is poor. Collection representatives are rude and very poor in their communication skills and your calls are transferred at least five times before directing you to correct area after they all ask the same questions which can consist of at least 8-10 different questions. This is frustrating.

by Anonymous From Lees Summit, MO on August 01, 2010

by Anonymous From Humboldt, IL on July 30, 2010

by Anonymous From Chicago, IL on July 30, 2010

they are not willing to work with client make payments affordable

by Pat Hickman From Camas, WA on July 28, 2010

Chase is the worst company I have ever dealt with in my 30 years of owning different homes and home loans.

by Anonymous From Milton, KY on July 26, 2010

by Anonymous From Knoxville, TN on July 24, 2010

There are times where one would talk to different people at Chase and they each give you a different story. They are not on the same page. One is not able to get detailed answers on important issues such as foreclosure proceedings. God forbid that anybody gets to this point, then the reps don't give you any options at all.

by victor sanchez From El Paso, TX on July 24, 2010

by Robert Johnson From Southfield, MI on July 24, 2010

by Daniel Huff From Matthews, NC on July 23, 2010

by DISGUSTED !!!!!!!!!!!!! From Rome, GA on July 22, 2010

I had no choice that Chase got my mortgage because the local bank where I live was bought out by them. Like everyone else it all started out ok. They appear to be all nice and willing to help you But like a spider once they get you they GOT You. All the reps. turn into witches as though this has become their problem. And the attitude !!!!! I was not aware that I was paying my payments directly to the reps. Some have been helpful during my 21 years of torture,trying to be honest about why my payment was later than need be. When you call customer service you may get lucky to speak to someone you can understand or you might get disconnected{yeah right}like I believe that one. What makes me so MAD is that all the letters you receive about let us help you HA!! HA!! HA!! It really means let us foreclose on your house as if CHASE needs more money GET REAL they seem to think that all people are low lives, not listening to your problems. It would be nice for the CEO,s and the president of this well known company to check into all the banks and mortgage lenders frequently to access what is really going on in their companies. Check the reps. they have a bad,hateful, and sometimes smart butt attitude for NOT helping at all and sending your call out into space. How many have you held on for the next operator when you have a life to live, kids to feed housework Etc... My time is just as valuable to me too!! I feel that the economy in the shape it is in today the mortgage company should give us a break. GEE WHIZ you guys aren't losing any sleep. When I TRY to sleep at night all I can think of is how can I find a way to stretch the next paycheck to pay my bills for another week!!!!

by Anonymous From Woodruff, SC on July 21, 2010

They are fine as long as you are current on your payments but if a problem arises they don't care to help. You always get a different person when you call who gives you a different story. The information is never the same and vital information is not given until too late.

by James Brooks From Marietta, GA on July 19, 2010

Chase Bank is everything people should fear. They don't want to help you fix your problems or make things better. After 6 months of playing the Lets Make your home refinance/Affordable I was told after trial team that your not approved. I wish to file a class action and take back our Tarp $$$ No Good Bastards

by Anonymous From Omega, GA on July 16, 2010

I was on a loan modification and making my payments on time when they decided to kick me out of the loan mod because I didn't turn in the required documents that I didn't know I had to turn in! I keep getting foreclosure notices and nobody ever calls me back! I actually can afford my house payment now but because of the loan mod not being my actual payment I owe way too much money!

by Dara From Easton, PA on July 15, 2010

Been trying to get a loan modification for over a year now. First they lost all of our paperwork after waiting four months for an answer, just to be told they have no record of us. Had to do all the paperwork again...waited another 4 months to be told we have to resubmit everything again because the information was too old. So here we still sit,now in the foreclosure process....and still no answer from Chase other than its in underwriting, but you can never speak to underwriting. Nothing but lies and a run around don't waste your time!!

by Troy Dodson From Four Oaks, NC on July 15, 2010

by Anonymous From Lafayette, IN on July 14, 2010

by Anonymous From Lake Elsinore, CA on July 14, 2010

by Anonymous From Newark, OH on July 09, 2010

Also attempted loan modification but it took nearly a year form them to notify us that we were not approved. Four weeks after that notification we received letter from court stating sheriff auction date. I tried to do a "Deed in Lieu" but they said I make too much money. Attempted to be approved for the HAFA short sale but again...I am not eligible because my payment isn't 31% of my GROSS monthly income. Everything takes too long with Chase and you have to go through so many hoops and different departments and different telephone numbers and people that the process becomes overwhelming and time eventually runs out.

by Anonymous From Spanaway, WA on July 07, 2010

I tried to work Mod on my loan with them but their process was too slow and they finally declined because I didn't provide all information to them on time. I tried to submit the required document but they told me that I had to start over. It would take another 3 months before I hear from them if I start over.

by Stefanie Bosh From Jacksonville, FL on July 06, 2010

by william welty From Clarksville, TN on July 02, 2010

by river hawkins From Eugene, OR on July 01, 2010

by Anonymous From Brooklyn, NY on June 30, 2010

by Anonymous From Greenfield, OH on June 27, 2010

by Anonymous From Rome City, IN on June 23, 2010

by Miriam Johnson From Florissant, MO on June 22, 2010

by stephanie karcher From Hinsdale, NY on June 22, 2010

by Anonymous From Greenfield, OH on June 21, 2010

by Albertha Crawford From Opa Locka, FL on June 21, 2010

I'm was delighted that I was able to keep the home my deceased husband and I purchase in 1975. With the Home Affordable Agreement. There was very poor service form Chase. Each time I spoke with someone in Customer Service I'll get a difference answer. I sent six payments of $748.00. They point the finger at me

by Andrea Hawes From Gainesville, GA on June 18, 2010

Little help, they bounce you around and advised me I could not get help until my payments were behind. Now my payments are behind and they still won't help me, call everyday and I have to repeat my entire situation again and again

by Dennis McKee From Joplin, MO on June 17, 2010

They have been helpful and understanding of my situation.. Trying to tell me what to do to get out from under house without foreclosure and ruining my credit worse

by Ashia Reeder From Clinton Township, MI on June 15, 2010

by Andrea Lewis From Austin, TX on June 14, 2010

by Robin Severson From Burnet, TX on June 10, 2010

by cindy jones From Lithonia, GA on June 10, 2010

by JROD From Tampa, FL on June 09, 2010

I've lived in my home for over 10 years now and approximately 5 years ago refinanced and couple years later Chase assumed my loan on my home. I work in telecommunication sales to business who are struggling and closing doors not buying causing me to not make the same amount of income I previously had. I spent several months making payment with family assistance continuing to make my payments. I contacted Chase advised of situation and notified that I could not afford to make the amount I was paying which had originally increased over $300 monthly over a period of years before Chase took over. Originally I was sold a Arm adjustable rate and after time it increase over the $300 which cause late payments and I was then pressured to refinance yet again within the original mortgage holder and they put on a fixed rate but due to the late payments I recently had my interest rate wa horrible. Now Chase refuses to assist me with any modification programs. When I contacted them they said I was current and would qualify for assistance and I advised I had exhausted the possible of borrow from family member as they were going through hardship by then as well and after not making 2 months of payments I contacted the mod dept and I ended up first Email all my information twice and then faxed it over to them in excess of 8 times and after so many calls I could not even begin to tell you how many; they finally respond by mail with a trail package for 3 months and the monthly payment was only about $60-70 less then my original payment was (when I've been having to borrow over $800 a month for the past 6 years from my mother and father who at one point where in the position to give me the assistance but no longer are. I immediately called the mod dept and explained I can not afford to make this amount and this was the whole reason I'm requesting a modification, I was simply advised that after the 3 month trail my modification would process and my payment wasn't determined but that I had to make the payment no other options. I made the first, second and the 3rd I could not. My parents (god bless them) simply had nothing to help me with and I contacted Chase before the 3rd payment was due and I advised I simply could just not make this payment and Chase notified me I should not have agreed to the trail, I explained I was left no option by how I was informed by Chase. She said well if you cant make the payment you cant. She then said I will probably be contacted at some point advising where to go from here. After some time and a couple call in between just to see what going on and no one ever had any answers, finally someone tells me since I failed to make the final payment on the arrangement you no longer qualify for any modification type. Notice how I was never informed this when I called before the payment was due and now thinking back I feel she was even pushing me towards it was ok not to make my payments. To date I have not been able to resolve anything with them "Chase". I feel they directed me to a path purposely for me to lose my home, like they loose modifying my loan because of the circumstances and they would still have the MONIES the president allotted them they now will also have my home. Also the reps over the are horrible, the worst most cold hearted arrogant scum that work in call centers. I have the name of Supervisor's and their Management who claimed to be supervisor which I think there are just covering themselves. I have had the worst experience in my life to date with Chase and losing my home. Something about how these people treat their consumers and guide you to a path where you have no options for modification. Can anyone help/suggest in any way if there is anything else I can you please advise Thank you

by AMBER SMUTNY From Troy, MI on June 09, 2010

by Mallorie Johnson From Knoxville, TN on June 09, 2010

by Anonymous From Bloomfield, CT on June 07, 2010

We have tried to work with them on many occasions from setting up the online payment process to submitting a modification that we never heard from. Please help

by Garry or Jan Farren From Indianapolis, IN on June 07, 2010

Chase Home Finance is Not using the Tarp money to modify and save home but to pad their pockets. Check out the complaints online. Many web sites to bring class action suit against this company.

by Robert Shine From Scottsdale, AZ on June 04, 2010

They are good at administration, but when i called them for direction because I felt I would no longer be able to afford the payments, they would not let me speak with someone for advise while i was current. So I stopped paying and now i just hear from uneducated collectors. I don't know how to approach this, but this is going to break me.

by Anonymous From Muskegon, MI on June 02, 2010

by Anonymous From Johnson City, TN on June 01, 2010

Wish had better program to work with slow pay instead of straight to foreclosures

by Anonymous From Iselin, NJ on May 31, 2010

by Kevin Klinglesmith From Saint Cloud, FL on May 31, 2010

I really feel they have been creating this mess with making me reapply until I am outside the parameters so they can take my home. To cover their other losses

by Anonymous From Waukesha, WI on May 29, 2010

My property address is wrong on my loan and I have been trying to correct it for 2 years now and I am getting run in circles. Duplicate documents are being asked for and no one on the 800 number knows what is going on. The call center must be in India based on the every person I have talked to. I have a feeling sometimes that I am talking to the same person, but the name has changed. I am never able to talk to anyone else, the manager is always too busy to take my call, and I am not allowed to wait on hold until someone is able to talk to me. I am expecting calls back from numerous managers and I have yet to receive one call! I can not wait until my issue is resolved so I no longer have to be a Chase Mortgage customer. I have never in my life received such horrible customer service. All my legal documents are filed, I don't understand why this is taking two years to fix the problem and Ms. India Customer Service does not care and does not understand the issue at hand since my rejection letters on my cases have nothing to do with the true issue at hand. All I want to do is talk to someone who can tell me exactly what documents I need, but that will never happen. Might as well default on my mortgage since they will foreclose on a house that I don't live at!

by Robert Ashcraft From Hopewell, VA on May 28, 2010

In october 2008, my mortgage got behind, I asked for a loan modification to get a fixed rate and lower my percentage rate. An agreement was made that I should pay $900 on the first of each month by western union, which I have since november 2008. In January 2010 I received a letter stating that a decision was about to be made concerning modification. In april 2010, I received a letter from western union telling me that chase home loans had declined my payment. I called chase to see what happened and was told I didn't qualify for a modification. I would received a letter in a few days explaining why and foreclosure procedures had begun with a auction date of 23 June 2010. I the received a registered letter from their attorneys stating the auction date is 8 June 2010.

by Susan KRUEGER From Hilbert, WI on May 25, 2010

by Ajay Dalal From Sugar Land, TX on May 24, 2010

by Anonymous From Elizabeth, IL on May 23, 2010

we were bamboozled!!!!they set us up for a modification loan for 6 month trial, we paid all on time, then there were foreclosure papers served. Help

by korey cobb From Cary, IL on May 22, 2010

by Arpita Kapale From Delaware, OH on May 21, 2010

by Kevin Hull From Olympia, WA on May 20, 2010

Losing personal financial information more than once is horrible.

by Lori Bernhardt From Brooksville, FL on May 19, 2010

by Brittany Racine From Gilmer, TX on May 18, 2010

Me and my husband are first time home buyers and parents to 2.5 children, Due to sickness and a loss of a part time job, we fell behind 3 payments, Upon working with them.. they were very kind in the start offering us a program to help us in our time of need., We were almost finished with review and our new Price was to be arranged and what we owed pushed to the end of our loan when we received a letter in the mail, saying they needed more documents from us by a certain date or we would be removed from the program, the date was 2 day's before we received the letter. my husband called them right that second and was told he would get a few day's more to send in the required documents, he faxed them the next day from work,. and called to make sure they received them, which they had,. A month later we got a knock at the door from the post man, with 18 certified letters saying our home was to be auctioned off the following week,. He called and they stated it was their mistake but there was nothing they could do but restart the program again,. so we mailed off for the 2nd time Piles and piles of documents,. only to receive another letter saying we needed to leave the home in 30 day's, he called back and got a man who told him he REFUSED to send in Documents and that's why it was happening, then called my husband a liar, and a piece of crap,. Finally we got it all set up, we were to pay 500 bucks, restart the program and make payments that were 100 bucks more a month then what we were originality paying. we did so.. upon calling to make sure they received our payment of 500, They Said they had and that they were putting us in foreclosure yet again because we only gave them that 500 instead of our 768.. When told what we were told to do, They laughed,. My husband kept asking to talk to a supervisor., and kept being hung up on, He finally got a hold of one who told us " Forget about it, You're screwed, You should start packing as soon as possible your precious home is now ours," I'm pregnant & homes in our Area for rent.. are more then what we can afford,. and 1/2 the size of ours, It greatly pisses me off that they are acting as if they are God,. We all need to stand arm in arm against these blood sucking Devils & Fight for what we've worked for,. I hope you all see a brighter future then what we've seen. God bless.

by Anonymous From Springfield, OR on May 18, 2010

by Anonymous From Green Bay, WI on May 17, 2010

by Anonymous From Stockton, CA on May 13, 2010

by sandra lorback From Thousand Oaks, CA on May 12, 2010

DEPENDS ON WHO YOU ASK FOR HELP...SOME OF THE CUSTOMER Service REPS ARE NASTY WHILE OTHER REALLY TRY...AND THEN YOU GET HUNG UP WHEN TRANSFERRED!

by Susie From Murfreesboro, TN on May 12, 2010

WORST COMPANY EVER!!! We did a "loan mod." through them which was suppose to help us. Instead they didn't pay the back land taxes owed as per the agreement or the insurance per the agreement and you can never find anyone to talk to. They raised the payment after 3 mo. to more than what we were paying before the mod. and are still dragging out out mod. from 3 months to ????? were on month 6 with no end in sight and no land taxes paid so I'm going lose my house now!!!

by Kevin Broderick From Alexandria, VA on May 12, 2010

I do not like their policy of making you pay via Western Union "quick collect" when you are four or more payments in arrears. Makes it hard to pay!

by Anonymous From Everett, WA on May 06, 2010

by Anonymous From Bristol, IN on May 05, 2010

by Anonymous From Smoaks, SC on May 05, 2010

by Kevin Tuhy From Ronkonkoma, NY on May 04, 2010

it is my fault

by David Williams From Fletcher, NC on May 02, 2010

it's my fault

by SHIRLEY TAYLOR From Hamden, CT on May 01, 2010

IT TAKES A GOOD PERSON TO HAVE GOOD CREDIT TODAY I WISH I WAS A CEO AND I CAN OTHERS TO. BUSINESS IS BAD TODAY DUE TO THE Recession.

by joseph stone From Oxford, MS on April 30, 2010

by Anonymous From Slidell, LA on April 29, 2010

by George Williams From Alpharetta, GA on April 24, 2010

by lucy From San Jose, CA on April 22, 2010

This is the worst company

by Anonymous From Eureka Springs, AR on April 22, 2010

I received a letter stating they needed more info for the modification I paid for then they foreclosed 3 weeks later. I had no idea this was happening.

by elizabeth gibson From Knoxville, TN on April 22, 2010

by Randy McClendon From Canton, NC on April 21, 2010

by sosefina solofa From Vancouver, WA on April 20, 2010

by DAWN PAGANA From Harrisburg, PA on April 20, 2010

chase is terrible

by Anonymous From New York, NY on April 18, 2010

I have read all your comments, I feel sorry for you people. Chase has a right approve/disapprove, individual situations, but they should not fool around you. Chase should be very clear. They should not harass anyone. Where is my attorneys?

by Angela A. From Traverse City, MI on April 17, 2010

We were pro-active once we found out that our factory was to close, and move its work south, and overseas. We went to our local government agency like we were supposed to, before we were ever behind. It has now been a year of faxing, re-faxing, calling two times a week, every week, to try to just get our payment lowered a bit until we could find jobs again. We knew the help was there..from the government bailout, but still got turned down 2 times. No notice in writing, of why, or that we were even turned down. Both times we just happened to call, and all they could say was....oh yeah..you were turned down. Your situation isn't permanent. Yes..we know, and we are not expecting the help forever, just until we can get back on our feet. The final time we sent everything in, we thought they were finally going to do something, because we got a letter in the mail stating that they were working on it. So we waited, and waited. A couple more months went by, and the mailman pulled in, and honked his horn. My thoughts were..great, he needs our signature for the new loan modification package. Nope!! no such luck. It was a foreclosure letter. Thanks for nothing Chase bank. We were pro-active, and were only asking for a slightly lower payment, for a short time, but I guess you need my house more than my family does. I have not read ONE good thing about your company, and I can't believe that with all these complaints, and problems, and not conforming with government programs put in place that YOU signed up for, that your company has not gotten in some kind of a major lawsuit. I can only hope that you will pay in some way, for allowing all of these families to go homeless, because you are too stupid and lazy to help. I hope that your company goes under, and your families ALL lose their homes. Thanks for nothing.

by Anonymous From Desoto, TX on April 13, 2010

by Roy Sowerby From Bremerton, WA on April 13, 2010

Placed on trial payment plan for 9 months. I was initially told the trial payment plan would be for 3-months. The balance between the trial payment plan and the original monthly loan payment was placed as uncollected debt on my credit report. I was not told that the lender would do this. Received modification contract where the modified payment is only $19 less than the original monthly loan payment.

by Anonymous From Battle Ground, WA on April 13, 2010

Prior to this incident Chase has always worked well with us and provided information needed to work out something to keep our account current. now we can't even get anyone to give us any details on our account.

by Anonymous From Nashua, NH on April 11, 2010

They never contacted us after the forbearance agreement ran out until we received the foreclosure notice . We continue to pay the forbearance payments with a letter every month and called every week to find out what was going on . They never told us anything until pow there is the foreclosure notice . No chance to work something out , do higher payments or anything ,no correspondence at all

by florence mcgeary From Lake Stevens, WA on April 09, 2010

They have so confused. One agent well say I well be fine. The other well demand payment and slam the phone on my ear. I'm very stressed out. And can't thank clear. They said I can do a extension on the loan.

by Robert Blackburn From Bowie, TX on April 09, 2010

by Jenny Wade From Big Stone Gap, VA on April 08, 2010

by Anonymous From Newburg, MD on April 08, 2010

by kay naber From East Troy, WI on April 07, 2010

I can't seem to get this resolved and Chase always sends paper work even paper work to my attorney is and for people that own their own business. My Modification company had nothing good to report about Chase Bank either who can help???

by Jeffery and Susan Gauthreaux From Lake Charles, LA on April 07, 2010

Chase has been really good about trying to work something out with me in the past. Unfortunately, they have offered me no other resolution than to foreclose. Thank you and God bless!!:)

by Dominic Bourgeois From Gilbert, AZ on March 31, 2010

by tyler phillips From Atlanta, GA on March 29, 2010

they will tell you not to pay and to wait an let the mediation process go through and still proceed with foreclosure

by Salvatore Laratta From Alexandria, VA on March 29, 2010

by Nicholas Miranda From Silver Spring, MD on March 27, 2010

by Jes From Littleton, CO on March 27, 2010

My wife and I are in a much different predicament with chase home finance. We have paid all our payments on time, in fact we have paid them early. Three months ago my wife split our monthly payment into bi monthly payments because it was better for our overall budget. Things went fine until chase messed our whole mortgage up. Chase has misapplied funds we paid in and other payments are just floating around in their system somewhere. They show in their records that we have made all our payments and its up to some phantom cash management group to fix the errors, however cash management can't ever be reached as there is no number to contact cash management. We are being bombarded by collections calls from people who lie about everything. Every time they tell us that everything is fixed, I ask them to send me a letter in writing stating what they are telling me. They don't send out written confirmation. I told one woman that our conversation was being recorded after she tried to play herself off as a supervisor and she got extremely bent out of shape and terminated the phone call. needless to say we have gone a whole day without receiving a phone call from chase wondering where our payments were. We have even gone into a branch and spoken to a loan representative whom was of no assistance and even went so far as to speak to a branch manager all of which have told us they have tried to fix the errors but could not. This whole situation is just ridiculous, and we don't know what else to do. I have filed a complaint with the FTC and we will also be sending chase a certified letter demanding they fix their errors and refund any and all late charges they have applied to our account and also to repair any damage done to our credit, short of getting an attorney we are at a loss.

by Thurman Freeman From Magnolia, TX on March 26, 2010

Chase sucks

by Jamie Karr From Sahuarita, AZ on March 25, 2010

Very nice to me but I have made too much of a mess of things for them to help me.

by Anonymous From Sidney, OH on March 25, 2010

by Fred Felker From Kirkland, WA on March 25, 2010

Chase is not interested in listening to your situation and trying to work out a solution.

by Anonymous From Gadsden, AL on March 23, 2010

by DIANE MITTS From Hiwasse, AR on March 22, 2010

by Anonymous From Virginia Beach, VA on March 20, 2010

they have not helped us at all I have been trying since Dec 2009 to get help, the only thing I get is harassing phone calls and letters!!!

by michele From Camdenton, MO on March 17, 2010

I have been dealing with chase for years now,and when i bought my home in 2002 there was problems with my home. I had done all the necessary reports to chase and whatever else places,and the attorney says the inspection was fake and all my money is gone,and they said they foreclosed on my home,but did not is there any suggestions out there on what to do next.

by Hector Carrasquillo Sr From Aurora, IL on March 17, 2010

Their trick is; they tell you to keep making the payments on time while they come up with a program. It's been a year and now they come up with just a few dollars off your mortgage, that's not helping out; it's nonsense.

by Edgar Sandoval From Sterling, VA on March 16, 2010

you never get the same person always talking to 3 or 4 people to get an answer no one accept responsibility for what they say , and you can never get that same person back on the phone .They give you the run around and it is frustrating.

by Anonymous From Douglasville, GA on March 16, 2010

I can't believe so many people are having the same problem with this vampire company they really know how to suck all the blood out of you. I just got a new job making $15.23 an hour working part-time, 27.5 hours a week which is 55 hours biweekly. I first got someone at Chase who gave me a trial payment for $649.00 I agreed,2 weeks later Lucifer called to say it was a mistake and my payments would be $1166.44 I told the Rep I can't afford this I only bring home $710.00 biweekly he didn't want to hear anything I had to say. Chase has got to be the worst bank in the world I can't even express the hell they're putting me and so many others through. All we're asking for is some assistance we're homeowners who want to keep our homes. Please somebody take a look at all of us who have paid taxes and the whole nine yard do something about this bank how in the world can they get by with treating people like this and nothing is being done. HELP

by Anonymous From Buford, GA on March 15, 2010

by anonymous from Memphis, TN on March 15, 2010 From Millington, TN on March 15, 2010

Same story here. Chase should be put out of business. Please believe me when I say they will LIE to you over and over. In 2009, we went from a two salary family to one being laid off and me being sick for months and then disabled. During all these adjustments, we applied for a loan modification. That was at the beginning of 2009 with nothing resolved yet. We have to send them updated information on a regular basis. And, yes, you will get a different answer about your application status every time you call. Forget the courteous customer service you're expecting, it AIN'T going happen at Chase. Stay away from this institution unless you want trouble.

by jeffrey krumwiede From Acworth, GA on March 13, 2010

by Barbara/Robert Burns From Elkins Park, PA on March 13, 2010

They did not want to listen and were rather rude treating me like I was a child and they were the adult, asking me who's responsibility is it over and over. I sent the money in as soon as I found out and they didn't even try to help. I felt like an idiot. Thanks Barbara Burns

by Anonymous From Acworth, GA on March 13, 2010

After losing 20 hours of Overtime over the past two years, we have been trying to get a loan mod with chase. Well we have been at it for 18 months now!!! Every time we call its a different story!!! they have "lost" our paper work over 27 times yeah how convenient!! When we took this loan we were more than capable. They don't care they would rather sit on a foreclosure and receive no money than help with a loan mod and receive some money at all! We have exhausted our selves trying to get some where any where with them! They will not help you!!!! All you will get is games games games!!! Just a week ago we were told that the underwriters had "suggested" that we were qualified for the home mod, then yesterday received the pre foreclosure letter so we called yet again and guess what there is NO RECORD THAT OUR CASE WAS EVER IN UNDERWRITING!! run run run!!! they are thieves!!!

by David Collins From Pompano Beach, FL on March 12, 2010

by Phil G, From Winnetka, CA on March 11, 2010

The very worst: they have lied to me, purposefully mislead, and refused to provide information they are legally required to provide. Over a period of 12 months I've spoken with more than 30 attorneys and none have been able to get to a person of authority. Chase staff said one thing one day, the next they deny they said that. These people are thugs and thieves.

by Anonymous From White Castle, LA on March 09, 2010

by Phil Hickernell From Bakersfield, CA on March 08, 2010

by Floyd orr From Jacksonville, FL on March 07, 2010

My problem is the lack of money.

by Anonymous From Charlotte, NC on March 06, 2010

they have helped, but i just need a reduction in my mortgage just a little bit.

by Daryl Boeche From Hana, HI on March 05, 2010

Started loan mod process 01-13-09, and still waiting for answer. Produced 100's of documents that they required to no avail. Why such a long run around? I actually believed they were going to help us. Now we have a letter from their creditor stated they will foreclose in 30 days. Today is 3-5-10.

by Anonymous From Granite Bay, CA on March 05, 2010

Chase is fraudulent, unprofessional and unorganized. We as consumers/constituents must organize and hold this bank accountable. My personal story with them is heartbreaking. Start with filing a complaint with the Treasury Department.

by DARRYL BURNETTE From Oxford, NC on March 05, 2010

by billy baswell From Cedartown, GA on March 01, 2010

by Ellen Spease From Elk, WA on March 01, 2010

Have made the payments Chase told us to make yet Chase has reported us late ever sense they put us on a trial modification plan last May 09.

by realynn/michael simons From Port Angeles, WA on March 01, 2010

since october we have been trying to do a loan modification and it just keeps getting drug out longer and longer we feel like they don't want to help us. they keep asking for updated paperwork every thirty days and its been that way since october. now they say it takes time and we are about ready to lose our house.

by Anonymous From Roanoke, VA on February 26, 2010

This company does nothing but steal. They lie and accuse you of owing them money that you don't. Help me find a lawyer to sue them. Boopluver@cox.net

by Anonymous From Columbia, SC on February 26, 2010

by Lori P from Jersey From Willingboro, NJ on February 25, 2010

They are the worst company in the entire US. DO NOT DO BUSINESS WITH THEM. Everything is fine as long as you don't have a problem making a payment. They refuse to work with you. They are now harassing me calling me everyday. When I answer they hang up 80% of the time. Nothing changed from last night why are you calling me 12 hours later. The customer service is rude and unprofessional. The managers do not return calls. And EXECUTIVE ESCALATIONS IS A JOKE. Now I see I'm not the only one. Look at the BBB report, trifling!

by Tony Millholen From Fairfield, CA on February 25, 2010

I don't know who this company is or what it is about BUT I do not support them in any way. BE CAREFUL>>>>>>

by Anonymous From Ledbetter, KY on February 23, 2010

by Dontuseem From Arkadelphia, AR on February 22, 2010

The company is just waiting to take your home. Do not use them RUN AWAY!!!!!!!

by tony millholen From Fairfield, CA on February 21, 2010

I don't know who this company is saying they can help get you a MOD LOAN with Chase do not fall for there gimmick !!! this complaint of service is about Chase Mortgage. and there service

by calvin bennett From Oakland, TN on February 20, 2010

after falling 90 days behind on this loan that we have been on time with for the last ten years. they refuse to take a payment? now that I have found a new job i should catch up in two months if I can keep them from forcing foreclosure on a home that we own more of than they do. worms!!!

by Donald Lotz From Spring Hill, FL on February 20, 2010

by Anonymous From Cottondale, AL on February 16, 2010

by scott stillman From Saint Ann, MO on February 12, 2010

by Amy Harlow From Winchester, VA on February 11, 2010

I have never experienced such poor customer service in MY LIFE! They did not communicate with us at all. After waiting 6 MONTHS for a re-finance the notary came with papers and a loan amount that was $40,000 more than what we had thought. When I contacted them the following day they said it was because I was not approved for the original amount and that extra amount was to pay off our vehicles... unbeknownst to us! The assistant vice president told me she would take money off the closing cost for all of my inconvenience, but she didn't. I wish to God I never paid that initial money to go with this company and now I am stuck w/ them for 30 years. I wouldn't recommend them to my worst enemy!

by Anonymous From Miami, FL on February 10, 2010

by Danilo Nikolich From Antioch, CA on February 08, 2010

by Ellen Weiss From Woodcliff Lake, NJ on February 06, 2010

On Oct 16 2009 we received call that mortgage payment was not received--I immediately called Customer Service & determined they had check but it was missing a loan number (3rd party bank left it off inadvertently when changing the check name from Washington Mutual to Chase as requested). I was told check was in their possession and they just needed to verify and post. I did not have to do a thing. THAT WAS IN OCTOBER! Today (February, 2010) I have spoken to countless incompetent customer service reps, supervisors and even contacted the CEO's office which forwarded me to the person dedicated to Customer Complaints who sent it off to an Escalation Team in So. Carolina. Nothing has been resolved and in meantime, late fees grow (I will never pay a dime), my credit is impacted and they apply more recent payments to the older ones creating a new problem every month. Absurdities and Lies: ***They say they will call back and never do. ***They all say they will "escalate" your case but it is a meaningless word. ***They all say sorry and this has never happened but if you get someone who speaks freely they will tell you it's a mess since the Wash Mutual deal went through and they cannot merge systems or processes effectively. ***They do not value your time. One customer services Supervisor said "can I put you on hold for a moment" and came back 47 minutes later!!! Yes, I waited because I actually got fooled into thinking maybe I got to someone who could resolve this. My Advice: Never ever do business with this organization. They are incompetent on the most basic of processes-- posting a check in their own hands. Trust me-- you do not want to learn this the hard way. There is absolutely no respect for the customer. There is absolutely no connection between promised words and action. They are truly INCOMPETENT. Stay away and save yourself the aggravation.

by Jennifer Houchin From Logan, OH on February 04, 2010

by Anonymous From Owensboro, KY on February 03, 2010

they are very rude people to deal with. they said they sent us papers to modify are loan ,but they never did. They said we wouldn't cooperate. but we did. if we had received the papers we would have sent them all the information they needed. but we never got any paper.

by Robert Hall From Englewood, FL on February 03, 2010

by Todd Woodford From Endicott, NY on February 02, 2010

They try to help as best as they can but I get transferred and dropped about 3 times whenever I call.

by Anonymous From Porterville, CA on February 02, 2010

by Anonymous From Show Low, AZ on February 02, 2010

The worst people ever, they never return calls, they don't Give a DAMN about your problems. They constantly "lose" paperwork as a stall tactic I've been in a so called modification for 7 months, just learned today that my house is for sale in 2 days. LIARS Everything they say is alie, I've been un underwriting for my modification for 3 months. LIES LIES LIES everyday more LIES. They call everyday EVERY DAY to tell me they have all my paperwork, because they have my number in their auto dialer program. They say then "can't" remove it. EVERY DAY THEY CALL TO TELL ME NOTHING. I'm so angry, so upset and apparently I'm still losing my house because they can't care enough to do ANYTHING THEY PROMISE

by Anonymous From Norton, MA on February 02, 2010

I sent in payments that were not cashed and they did not inform me of this until it was too late for me to do anything about it.

by Anonymous From Monett, MO on February 01, 2010

by darryl burnette From Oxford, NC on February 01, 2010

by susan From Dothan, AL on February 01, 2010

i have filed complaint with HUD because I have Paper work of their lies with their names on e-mails to me I want to take them down we had to file bankruptcy because they wouldn't accept their owe modification terms that they sent to us and we made payments and have copies of return checks from Chase they are a big rip off

by Kristin Conte From Utica, MI on January 31, 2010

by Mrs. Khanzada From Brooklyn, NY on January 31, 2010

by Anonymous From Sharpsburg, MD on January 30, 2010

by kim badessa From Trenton, NJ on January 27, 2010

by Anonymous From Nogales, AZ on January 27, 2010

by Michael De Santis From Levittown, NY on January 23, 2010

by Chad Reeves From Fort Lauderdale, FL on January 22, 2010

by Deborah Gearhart From Tionesta, PA on January 21, 2010

by jada catoe From Hartsville, SC on January 21, 2010

by Anonymous From Whiting, NJ on January 21, 2010

Have not helped on any of the programs that are made for these situations. Why create more options to help but then not approve or work with any of your own clients? We are the victims stuck in a catch 22. Great way to help the economy huh?

by Irma Tchamourian From Roseville, CA on January 18, 2010

by Casey Hargraves From Waterman, IL on January 14, 2010

by carolyn smith From Shepherdsville, KY on January 12, 2010

by Anonymous From Greensboro, NC on January 12, 2010

We are attempting to do a Deed in Lieu but Chase will not talk to us. I send letters and faxes to no avail. One of their CSR people actually accused us of disregarding our payments. We are not dead beats! We are victims of the economy like millions of others.

by Bob Zurek From Omaha, NE on January 08, 2010

#$%! you Chase...They need to investigate this sorry company, and there strong arm tactics..work with the people my backside! If you have trouble please file a complaint with the Comptroller of the united states banks...The BBB will not do anything to them but the Comptroller can.. just a short form to fill out..here is the link http://www.occ.treas.gov/ Tkae it drom me 18 months to get into a loan mod.. and a three month trial period to get into the mod, could not afford the payments what kind of stuff is that! Bob Zurek

by Anonymous From San Jose, CA on January 07, 2010

by linda davis From Fitzgerald, GA on January 07, 2010

by Michael Ross From Lamar, AR on January 07, 2010

by amy jones From Flat Rock, AL on January 05, 2010

they will not talk to me because my name isn't on the loan

by Anonymous From York, SC on January 05, 2010

by Andrew O'Kelley From Flint, TX on January 04, 2010

by Paul Lano From Florence, NJ on January 03, 2010

by Anonymous From Pawcatuck, CT on December 31, 2009

by Charles Cloud From Sallisaw, OK on December 31, 2009

They just took over this loan from Washington Mutual.

by mike jaber From Frankfort, IL on December 31, 2009

I had to take a pay cut at work or lose my job. the nightmare started when i first called chase for help. now the snowball is an avalanche, due to there incompetence. they waited till my adjustable when from 7.5% to 9.99% to lock it in, then been in a modification for ten months, never missed a payment tell me can't help. They only look for excuses to deny you. They couldn't find a reason not to modify there excuse is "they don't think i can sustain loan long term".

by Tony Millholen From Fairfield, CA on December 30, 2009

They are misleading homeowners. MAYBE IT'S TIME FOR A CLASS ACTION SUIT

by Shekisha Pate From Teague, TX on December 30, 2009

by vicky seidel From Baltimore, MD on December 28, 2009

DON'T REFINANCE WITH CHASE IT IS A Nightmare. get RID OF THEIR CARD AND DON'T BANK WITH THESE GUYS! RUN!

by Anonymous From Raleigh, NC on December 21, 2009

Called to talk with someone regarding deferring one payment due to government holding back one month Social Security benefits. Never been late for payment in over 9 years - told "we don't do deferments". Was told that I could send in payment late and call before the end of the month and it would not go against my credit - HELLO - if I don't have the $$ now where is it going to come from later in the month??? Surely not from the government! Seems a shame for my credit to be ruined because of the government's stupidity in holding a payment that was applied for 2 months previous to 62nd birthday! Oh well!

by Anonymous From Chicago, IL on December 16, 2009

by dora vasquez From Brandon, FL on December 15, 2009

by Anonymous From Morrow, GA on December 14, 2009

by Chuck Watson From Wheaton, IL on December 13, 2009

I applied for refinancing with Chase back in May and was told at that time there would be a 60 day wait due to the large number of refinance applications for the Government stimulus package. Well, after many months of waiting, phone calls made and very few returned, and lots of "it's going to happen soon", here it is going into the new year and nothing has happened. They charged me $1,650.00, with a $750.00 deposit which I am told is non-refundable. We also have our mortgage with them, CD's and checking accounts. I am now going to refinance with another company. We are planning on pulling our CD's, closing our checking accounts and moving somewhere else in January. The Banks got bailed out by the government while the middle class has been left holding the bag.

by Laura From Blue Springs, MO on December 12, 2009

I own my home for 15 years, never miss a payment until my job was relocated overseas. 02/08 I contacted WaMu to get assistance. They set me up on a interest only loan. This was not a good option since nothing goes towards my home. Its equal to renting. This was the best WaMu could do for me I took the offer since it reduce my mortgage payment by 60.00 dollars ( I needed all the help I could get) When the home modification program from President Obama was announced I was hopeful for a modification. This was in 2/09. I met the guidelines even though they changed many times. This was a nightmare. I fax over and over again paper work that was "loss" by Wamu now merging with Chase. I made countless phone calls I was given a different story ever time . I had many negotiators some who were very rude. I finally received a letter in August 09 stated that I was accepted into the modification program. I was given a trial payments for three month. After that I would be set up on a modification loan that would be a fixed rate with the new modification guidelines. On 12/09 I received a loan agreement. after all this, my new loan modification jump a 110.00 higher on my payment . I'm still on a interest only loan and my loan that was only 113,000 is now adjusted principal balance of 120,072.53. I was furious and called Wamu/Chase their wonderful customer service said "lady there is nothing you can do this is not non negotiable . You are 6300 dollars behind, I ask how could this be when I only miss 3 payments at 900.00 a month. and made three month of trial payments . Customer service stated those trial payments do not go toward your loan so there fore you are late 6 months. I said that equals to 5400.00 where is the other money from I was told in fees. Chase is the most crooked company who has scam thousands of homeowners. I will not stop until they are brought now, and we the homeowners get a fair deal.

by Bryan Back From Auburn, PA on December 10, 2009

by Chavella Kelly From Accokeek, MD on December 09, 2009

Terrible because I have been on trial payments since July 08, and its ridiculous that this has continued. I have done everything asked so instead of helping me, they kept me on a trial plan. I'm done. Want to do a short sale and move on.

by Anonymous From Amelia Court House, VA on December 08, 2009

by Michael Flickinger From Newton, KS on December 03, 2009

Chase Home Finance has made it a nightmare for me. I am in danger of losing my house because they did not set up my payments to be taken by direct deposit from my checking account. They have given me no communications at all except for court summons. Tried to fix this problem by calling them. Promised me that I could catch up pay for last 5 payments, but instead, their lawyer sent me final payment to payoff the whole house at the sum of $54,186.24 instead of promised $2,500 plus their lawyer fee.

by Brian&Melissa jordan From Gloversville, NY on December 03, 2009

by tim From Orange, MA on December 02, 2009

they screwed me bad conned me into a 10.5% rate and now wont lower me like promised,been paying my 1,800 mortgage on time for 2 yrs now enough is enogh i just lost my unemployment what idiots they are

by Anonymous From Southfield, MI on December 02, 2009

They're great when you are able to pay on time.

by Billy Jones From Oakwood, GA on November 30, 2009

by Steve DeWillis From Cottonwood, AZ on November 28, 2009

Very rude and harsh statements have been made like-get off your butt and find another job or if you don't pay your utilities or buy your insulin you could pay us! Don't do business with this bank it will only hurt you in the long run. Your best bet is with a Credit Union!!!!!!!!

by Anonymous From Rockford, MI on November 25, 2009

Not willing to work with you while you get back on your feet. Send in documents for a modification and never hear anything in return

by Geoffrey Davis From College Park, MD on November 22, 2009

by Nycole Berkeley From Nashua, NH on November 22, 2009

Extremely poor service. Irresponsible associates, continuously losing documents. No feedback or documented proof submitted to consumers regarding their loans, even upon request.

by Anonymous From Brenham, TX on November 13, 2009

by Anonymous From Pleasant Grove, AL on November 11, 2009

Terrible customer service. One person told me that he wouldn't help me, but that he could put me back into the call queue, and maybe the next person would... Do people really do business that way??

by Anonymous From Orange City, FL on November 10, 2009

they are in no way helping me with my payment problems. I have faxed information to them 5 times and they are still telling me they have not received it..I explained my circumstances to them and all I get is "I'm sorry to hear that but you are not eligible for any of our programs"...How sad is that. I had to have surgery on my achilles tendon and no income available,yet they could care less...

by Anonymous From Danville, VA on November 09, 2009

no comment

by BLAKE AMASON From Rocky Point, NC on November 08, 2009

by barry stewart From Palm Coast, FL on November 05, 2009

were not willing to help us in time of dire emergency. Applied for loan modification and was denied based on unemployment being considered only a temporary situation. Also did not take medical hardship into account.

by Anonymous From Pleasant Hill, CA on November 05, 2009

by Jennifer Wathen From Hartford, KY on November 05, 2009

all I can say is AWWWWWWW!!!!

by JENNIFER From Hartford, KY on November 05, 2009

ALL THEY DO IS PASS you TO ONE PERSON AFTER ANOTHER AND THEY ALL HAVE SOMETHING Different TO TELL you. MY HOUSE WAS IN Foreclosure FOR THREE MONTHS AND I Didn't EVEN KNOW IT.

by Anonymous From Sandy, TX on November 05, 2009

Over the last year and a half I have been divorced and unemployed twice. During the divorce the ex wanted the house, 6 months later she abandoned the house and left me a month behind on the mortgage. I began paying extra each month and in 6 months was only $500 behind. I got laid off for the second time. I called Chase and asked if I could pay the $500 I was behind and then skip a payment, to help me until I was employed again. I got routed around but finally was talking to the right area; after awhile they said yes and told me I didn't have to pay this month and could make a reduced payment for 6 months, if I did that on time they would restructure my loan. Cool, so I thought. 3 weeks later no paperwork has arrived and a payment should be due. I called Chase, they tell me the first person never finished the paperwork. 30 minutes later, I have answered all the same questions for the 2nd time and am told half payment in 2 weeks, then my normal payment for 6 months, then restructure. 2 weeks later, still no paperwork, I call back and say I owe a payment, girl on phone says ok, let's go over your financials, I say ok she asked me about income, I say " good news I got a job" we spend another 30 minutes answering all the same questions for the 4th time. She then stated based on your income you can afford to pay $500 more than my normal payment. I said no and I have a deal in place and Chase needs to honor it, after a long discussion, we do not come to a conclusion. Next day I call back and talk to a very nice person who agrees to honor the deal that chase had previously offered. 2 weeks later, chase calls me and states they would like to start working on getting my permanent restructure in place, I say ok and answer the same 30 minutes worth of questions for the 6th time. At the end of this discussion he tells me my payment is now $600 a month more starting now. I say absolutely not and ask to speak with a supervisor. I am given a number and name. I call the number and say who I am. The supervisor states "How did you get this number?' Nice customer service. I wish I had the guys name with me so I could call him out, this was completely terrible. After a long and heated exchange he threatens to foreclose on my house if I don't talk to someone else and answer all the same questions again. I ask to speak to his supervisor, he states no, I say I feel the need to complain about him and again threatens to foreclose on my house. I get transfer to the team lead and spend another 30 minutes answering all the same questions again. I talk to another supervisor and by the end of this 2 hour ordeal, I am paying my normal rent for 4 months and then will have to pay balloon payments to get caught up starting in January, and am told they will not restructure my loan with the reduced interest rate I had been originally promised. I called chase in good faith and ask for help, with their help I have gone from $500 behind to $6000. If there is anyone at chase that actually cares about your customers and wants to help my number loan is 1952176100

by william gray From Titusville, FL on November 04, 2009

by SHERMAN NICKERSON From Montgomery, AL on November 03, 2009

by vincent kennedy From Chesapeake, VA on November 02, 2009

by Anonymous From Greenfield, OH on November 02, 2009

They will only talk to my husband and not me on things without him calling in to say so and I have been trying to work on things and he's not always around a phone to try and make these calls to where I can get things done.

by Anonymous From West Warwick, RI on October 30, 2009

I have had to call 5 months in a row to explain that I did send my payment on time and they even cashed the checks before the due date! They claim to fix the problem every month, yet each month I get statements saying I haven't paid. My credit is being ruined and no one ever returns my calls.

by Jessica Howell From Griffin, GA on October 26, 2009

Is willing to work with you occasionally if you get the right person on the phone, which rarely happens. We just need more caring people in this world!!!!!

by Robin Anderson From Texarkana, TX on October 21, 2009

by scott pease From Essexville, MI on October 20, 2009

by margaret ball From Dover, DE on October 19, 2009

by Diana Nelson From Sacramento, CA on October 15, 2009

by rhonda bitler From Williamsport, PA on October 13, 2009

by Anonymous From White Lake, MI on October 12, 2009

Some of the Chase customer reps are very rude and I have gotten hung up on when transferred to other departments. One woman told me to go to the local Chase branch and turn in my keys to the home! I wish it was that easy....FINALLY after several attempts I talked to a very nice loss mitigation analyst, but he wants me to modify my loan. I just want do a deed-in-lieu. So, I gave up all my financial info and he'll call me back in a couple of days. Let's see what Chase can do?

by Anna Giordano From Carle Place, NY on October 09, 2009

I contacted chase to lower/modify my 7% rate. They told me i have too much debt. OK.....maybe you could lower my rate so I'll have less debt???? And make the payments easier to handle so I don't foreclose!!! Seems simple to me....why don't they understand???

by Anonymous From Lancaster, TX on October 07, 2009

by Anonymous From Odessa, FL on October 06, 2009

you people are all idiots. that basically sums it up. who am i? I'm the loss mitigation analyst that you all complain you can never speak to. oh I'm actually at my desk when you call me. but seeing you're all stupid enough to be posting on a 3rd parties website, ... well... enough said.

by mica beard From Kokomo, IN on October 06, 2009

by lindsey zenner From Ponder, TX on October 06, 2009

Chase was awful!!! I could never speak to someone that knew what they were doing,they always transferred me to someone else who also couldn't help and was always being put on hold for long periods of time only to be hung up on. I tried several times to work something out to pay my mortgage but nobody would help me and now it is being foreclosed. They are awful!!!

by Ahjaynay West From Toledo, OH on October 06, 2009

by shari olah From Grenada, MS on October 04, 2009

by Julie Holzum From Saint Louis, MO on October 03, 2009

can't get anywhere with them because mortgage in mom's name, she passed away.

by Amanda Dickey From Westville, OK on October 02, 2009

by LITA FORD From Chicago, IL on September 30, 2009

by Robert Hardy From Athens, GA on September 29, 2009

We have tried over and over to work with them on our situation and NO ONE at this place would even Recommended how they might help us...

by Anonymous From Los Angeles, CA on September 28, 2009

On March 26, 2009 we applied for a refinancing loan with Chase our current mortgage company. Our credit score is 800. We submitted all the documents the loan officer requested the next day. We were preapproved for a 4.873%interest rate on $567,000 loan. We currently pay $300-$400 extra every month towards the principal since we bought the house 4 yrs ago. We never missed a payment. I had to give them a check for $ 750 and they would lock in the rate for 60 days. He (Mac-loan officer) did say that if the bank delayed the process then the rate would still be locked in past the 60 days. Also if they declined us we would get the $750 back. On Sept 23 we were declined for the following reason: "We got the Final Review done with Underwriting. And they have Final Declined your loan application. Here are the exact words of the Underwriter; "The maximum DTI "Debt to Income" with all the mortgage insurance companies is 41%. The DTI for this loan is 44.26%. I am sorry but the loan cannot be approved. Mortgage insurance is not available when the DTI exceeds 41% and there are no exceptions from the mortgage insurance companies. Also, since the CB will have future loss carry overs per their accountant letter but dollar amounts are not estimated, it is impossible to accurately determine their income." Comment from the loan officer- (who could not even explain the declination) "Maureen, this is a direct result of the Lower Appraised Value that increased you initial LTV "Loan to Value" to a higher 85%. As you know the appraised value came in lower than expected at $670,000 & the file had to be restructured within LTV guidelines. If this was under the 80% LTV Limit then the maximum allowed DTI would have been 45%. Due to the ratios above 41% DTI we are unable to obtain MI Mortgage Insurance coverage for your loan. The only possible solution to obtain an approval would be if you decided to reduce your principle loan balance to be under 80%. I would estimate would be $33,500 Plus Closing Cost would be roughly around $40,000 out of pocket, that would reduce your final DTI to be close to the maximum allowed 41%. Of course this figure would need to be confirmed by underwriting. We are unable to offer the applicant credit for the following reason(s): Adverse Action Reasons 1. Excessive Obligations in Relation to Income (44.26% above maximum 41% per MI ) 2. Unable to Verify income We submitted our tax returns and our bank statements 3 times because they lost them the previous 2 times- that is even a bigger concern. I called the bank every week for an update for 6 months. Then we went on vacation which I informed them of weeks in advance and they told me the day before vacation we had to have our CPA explain why my husband sold his business 3 years ago. Also they said I wasn’t employed but I provided my W2's for the past several years. Our income is way above the ratio they mentioned. We could pay off the mortgage if we wanted to, they didn’t mention that fact in the denial. How can they get away with this on so many loans? Even our loan officer told us we were one of many they were doing this to and he was very frustrated. This is their own employee agreeing with this unprofessional, discriminatory way of how they are treating their customers. Issues:1. Lost our tax returns twice which cause me major privacy concerns. 2. Applied 3/36/09 did not hear anything from loan officer unless I initiated the emails or phone calls. The bank manager at time would not get involved, which caused even a longer delay. 3. Since they took so long to get an appraisal on our house (6 months from application date) the housing market declined. 4. The comment about not verifying income is absurd since we provided our W2's three times and our bank statements. We have no other debts and if they bothered reviewing instead of just taking our money and delaying the process they would have noticed how much we have in the bank. Now we cant apply anywhere else for several months because of the appraisal. The last insult was that we are only getting $350 back of the application fee even though they turned us down. The reason is debt ratio to income- another way of saying they are keeping our money. This has to constitute fraud or misrepresentation!! We were guaranteed our money back if they declined us for any reason!

by Mark Watts From Lubbock, TX on September 27, 2009

by Kathryn Serna From Fort Walton Beach, FL on September 27, 2009

by Richard Hollis From Conroe, TX on September 25, 2009

I think they could be more understanding and able to work with us since the economy is so bad and so many people are out of work. It's not like we don't want to pay our debt.

by Concerned Parent From Gastonia, NC on September 24, 2009

All of you people need to put your heads together and sue this Predatory Mortgage Company. Start boycotting by going to real estate forums, relocation forums, and warn people who are getting ready to purchase, young people especially are prey for institutions such as this. Posting here only allows you to vent...vent to someone who can help. Go to your Congressman, Senator, FDIC talk to the people that can help

by Anonymous From Madison, WI on September 24, 2009

by Juan Polk From Philadelphia, PA on September 23, 2009

by Fonda Kauffman From Greenwood, DE on September 21, 2009

by Anonymous From Ypsilanti, MI on September 21, 2009

by Suz From Lake Worth, FL on September 16, 2009

Two times my mortgage has been 10 to 12 days late and they start phone harassing immediately. 10-12 days???????? I've never gone past 30 days.

by Brenda Miller From Alma, AR on September 15, 2009

I keep getting the run-around and my new payment agreement has changed 4 times.

by Anonymous From Colonial Beach, VA on September 13, 2009

I have tried time after time to get a loan modification and every time I am either hung up on or transferred to another department that can not help me. I have paid every statement on time and now work is slow for me and is getting harder and harder to pay my mortgage. I can't receive any help ... What's that about? ... where is the tax payers help when you need it the most...If you are thinking about getting a loan through Chase... TURN BACK NOW LOL.......

by Anonymous From Lander, WY on September 11, 2009

Have not yet seen anything to judge by. Ask me again when we've finished dealing with them!

by Anonymous From Scottsburg, IN on September 10, 2009

by amanda schumborg From Utica, MI on September 09, 2009

by Michael Sevigny From La Canada Flintridge, CA on September 08, 2009

Be careful in doing a modification with Chase. They gave me a great new rate back in March, but have have not posted my payments yet. They are reporting to all credit agencies that I am not paying, ruined my great credit score and it looks like I'm in foreclosure. They have ruined my life! Don't let them do the same to you.

by Anonymous From Tinley Park, IL on September 02, 2009

by Janice Carlberg From North Hollywood, CA on September 02, 2009

Chase helped me get into this problem and would not help me earlier on, though they did finally reduce my monthly mortgage payment a year ago, so my back taxes started to happen in order to pay their ridiculous monthly mortgage fee. Totally unethical practices and I know they are in trouble no with foreclosures.

by Christopher Muraoka From Waianae, HI on August 31, 2009

I really wish that my mortgage company would take the extra step to try and help me. I am a single father whom got recently divorced and I have full physical custody of my three minor chidren. Times are very hard right now and I just wish I could get a little more help. I make my month to month payments but while I was going through my divorce I could not afford to make any and that is why I'm behind. I wish my situation would be taken into consideration, but not with Chase.

by kesha dunlap From Douglasville, GA on August 31, 2009

by Ronald Wasserman From Mission Hills, CA on August 31, 2009

by Kathryn Christopher From Fayetteville, NC on August 29, 2009

Very slow to respond. Customer service personnel don't read notes on account unless you pester them. Their phone system hangs up on you 8 times out of 10.

by ANGELA WORD From Albertville, AL on August 24, 2009

by Donielle Martin From Ventura, CA on August 20, 2009

I have been trying since last year to modify my mortgage with Chase. I was advised initially, and only after taking a day off to call them and be transferred numerous times, that I was not a good candidate but could not tell me why. I have a job and could make the payment if it was lowered to meet the 50% loss of the property value. I applied again in March, and was again advised that I was not a good candidate, again with no additional information that could be provided to me and was treated very rudely. I have applied a third time, back in June and have not heard any thing and was told it would take up to 60 days. It is 60 days today and I called and was given 6 different phone numbers from the original number I called (which was on the 'help notice' to me and the number that was on the cover page for the modification dept. Each and every employee advised me that they could not help me in their department and finally the 6th person told me that it was a CHASE loan, (really?) and that is why no one could help me. I thought I was calling chase, that is the option I kept choosing!!!! I am frustrated and received my trustee sale notice yesterday on my door with a date of 9/10/09! NO ONE HELPED ME! I went through a divorce and was transferred to a less paying job - going from a manager to an underwriter, in the mortgage business and lost 50% of my income. I think I have extenuating hardship circumstances. If anyone knows any number that actually works, I would appreciate it. I have been given the following numbers; 866-550-5705, 877-530-1837, 800-437-4892, 800-446-8939, 800-336-3806 and today another number 877-419-6495 which was closed when I called. I HAVE FOUND NO ONE AT THIS COMPANY WLLING TO HELP ME, ONLY TO ASK ME INFORMATION OVER THE PHONE, TELL ME TO COMPLETE THE PAPERWORK THAT WILL BE MAILED TO ME, AND THEN WHEN I MAIL IT IN....IT GOES INTO SOME BLACK HOLE! HELP!!!!!!!!!!!!!!!!

by Anonymous From Cape Coral, FL on August 19, 2009

we have been trying to mitigate our mortgage for at least six months. we have been told it will take up to 3 months every time we have spoken to a rep. in my opinion they are leaving me with no choice but to stop making payments.

by dawn warren From Williamstown, NJ on August 17, 2009

I have been on the phone with them 11am-5pm on thursday and over an hour so far today. I am going to call the better business bureau on them.

by Karen Hoffman From Pearcy, AR on August 15, 2009

by Barbara Rodrick From Missoula, MT on August 14, 2009

by stanley baldwin From Columbia, SC on August 10, 2009

Ask for closing cost on loan. Kelly Smith told me the cost and said I need to pay a $450.oo Application fee that need to be paid first. I ask if that was all the fee for the loan, he said yes. When I received the loan application, it had a 1.8% discount point fee of $2300.00. He did not disclose this fee before I paid the $450.00. I did not accept their loan and they would not return my fee or return my phone calls. They are cheater & crooks that steals your money.

by Anonymous From Maryville, IL on August 09, 2009

by Cynthia Rogers From Pleasant Grove, AL on August 06, 2009

by Anonymous From Pasadena, MD on August 01, 2009

by bruce crawford From Shawnee Mission, KS on July 31, 2009

I fell behind in my payments. I was told by them that they could call me as they wished and would continue to do so until I committed a day and amount of payment. I asked them not to call me at work, my company has a policy of no outside phone use during buisness hours. Everytime they would ask me the same questions and I would supply them with the same answers. I feel their methods were harrasment, but probaly within the legal restraints of the law. I probaly could have gotten caught up but with all the late fees and misc expenses this was not possible. I believe I was as late three months and had that down to one month on a couple of occasions. I want to keep my house, but don't know how.

by Anonymous From Edgewood, TX on July 30, 2009

Just another whore bank of the government. They received billions in bailout money and they can't understand that tens of millions of people are out of work. There should be a freeze on all foreclosures for people who can't find employment due to the economic situation. Even if I end up selling my house, I won't get anything close to what I bought it for. I'm going to lose everything all through no fault of my own.

by Tammy Coressel From Defiance, OH on July 30, 2009

They will not even tell us what we owe to get caught up on our payments.

by Tisha Malone From McMinnville, TN on July 28, 2009

I wish i would have never went to chase to refinance my mortgage. They have been horrible to deal with

by Melinda Rangel From Grand Prairie, TX on July 27, 2009

by Anonymous From Colleyville, TX on July 26, 2009

Very slow in getting the Home Mortgage Adjustment "Obama" plan going.

by kathryn mitchell From Chapel Hill, NC on July 17, 2009

by iliana pena From Katy, TX on July 16, 2009

by anonymous From Stover, MO on July 15, 2009

This is not a company I want to do business with. I paid 2 months in advance on may 1st 09 and on june 5th I got a call from there collection company to demand that i make a late payment and then charged me $42 for a late fee and all this happened while there own records showed the payment was indeed made. It was the last week of june before they finally got that corrected. They do not work in a timely manner probably because its in there advantage to drag thing out like in this case where they make money on money they are not entitled to have. Every time I haaave called they transfere me from person to person and every person has to here the whole story and they transfer me again and I have to go over the story again and yes, every person tells me something different. Very unorganized customer service department. On july second 09, after I made the july payment, they took a second payment out of my USBank account without permission and after talking to 9 different people over 11 days as of now, my request for the immediate return of my $1000+ has been refused for various reasons. You dont have to be behind in payments for them to hassle you. If they hadn't purchased my loan, I would not have anything to do with them and yes I have told they that. I am probably going to refinace to get the papers out of there hands. By the time they return the money, it will be time to make another payment which is exactly what they are banking on and in the mean time, I am going to have to borrow money from my bank to make my other payments whish they really didn't care about when I told them what there actions were doing to me. They have addmitted they have the money but refuse to refund it until I send them a compy of my bank statement for reasons they could not explain and have no right to see. BE WARE. I would like to speak with the CEO but I am not allowed to do that. I think I'll try FOX news.

by Katherine Aikin From Lisle, IL on July 15, 2009

They were not willing to work with me or offer any solutions. I do not want to re finance, my home is currently up for sale and has been for over 6 months.

by LORENZO HARRISON From Cincinnati, OH on July 14, 2009

I've BEEN TRYING SINCE MY FATHER PASSED TO GET THINGS SET UP WITH CHASE AND HAVE BEEN RAN AROUND IN CIRCLES. AND NOW MY FATHER HOME IS FACING foreclosure DUE TO THEIR TECH NOT HANDLING MY CASE FILE PROPERLY. I've HAVE HAD TO FAX MY FATHER WILL TWICE DUE TO MISPLACEMENT ON THEIR BEHALF AND THINGS ARE GETTING Further BEHIND AND ITS BEEN SINCE 09 -12 -08 WHEN MY FATHER PASSED. Every time I CONTACT CHASE I'm TOLD SOMETHING DIFFERENT FROM THE LAST TIME I'm SO DISAPPOINTED BECAUSE MY FATHER HOME WOULD NOT BE THIS FAR BEHIND I FILL I've BEEN PUT IN A POSITION TO LOOSE MY FATHER HOME DUE TO THEIR COMMUNICATION Practice IS LOST WITHIN THEIR System. Please HELP ME WITH SAVING MY FATHER HOME WHICH IS MY PRIMARY HOME NOW I've GAVE UP MY PLACE WITH INTENTION TO TAKE OVER MY FATHER OBLIGATIONS WITH CHASE AND SAVE MY HOME AS WELL!!! THANK YOU LORENZO HARRISON

by Anonymous From Charlotte, NC on July 08, 2009

by Anonymous From Reseda, CA on July 08, 2009

by Anonymous From Orleans, IN on July 07, 2009

by Jason Liu From Boston, MA on July 07, 2009

I can officially say i am really unhappy with the process I am going through with my loan modification at chase mortgage. Specifically Chase employees Jennifer Sweet and Kristy Morehart-Gallagher. They have provided me with non-useful information, lots of jargon, and never respond to my phone calls or emails. Definitely lack of customer service in terms of being prompt and timely with information, providing information, and lack of response. I would never do business with this company again. I wouldn't be surprised if Chase follows the steps of WaMu and files for chapter 11.

by Patricia Campana From Austin, TX on July 06, 2009

by Loel Johnson From Lakeland, FL on July 04, 2009

by Amanda Byrd From Laurel, MD on July 04, 2009

Every time I call I get a different representative who tells me something different. I have had a hard time dealing with them and it seems as if they don't care if you lose your house. I have tried many times to seek assistance to help me modify my loan and all I got was "sorry we can't help you, when will you be able to make a payment"? It's a shame.

by Nikola Ristic From North Royalton, OH on July 02, 2009

by onepersonatatime From Minneapolis, MN on July 01, 2009

Watch out for people who are on here writing good things about this business on a BUSINESS COMPLAINT FORUM! I have spoken with a representative on the Board (office of the CEO) at CHASE who told me that she views these complaint forums and writes on them, what she writes I don't know but you can put 2 and 2 together. For reasons of their unethical business practices, they need to be brought to justice. People...the most powerful weapon thus far has been telling my story to people I pass by, friends and family members. Many have clipped their CHASE cards, canceled their CHASE cards, refused Chase as a lender and have inspired others to do the same. Just the number of people I have influenced is going to cost CHASE Millions of dollars of lost profits because the one's who have canceled or refinanced to another bank will not use them as debt provided ever. Just think what CHASE could have made from these people over 30yrs. I will continue on my campaign through blogs, creative marketing, news media and video media on you tube. I have many voice recorded conversations of them misleading and lying and also have had witnesses on the phone. I also video taped my conversations and have evidence of them admitting to doing things that are not protocol to their business standards. I condemn CHASE for the robbery of thousands of properties and I'm making efforts to expose their failed system of litigation.

by Anonymous From Acworth, GA on June 29, 2009

They helped us modify our loan and reduced our interest for the next 5 years. This is a lot more than I can say for America's Servicing Company. They are horrible. Chase has been very friendly and helpful. Thank God for this.

by Francisco Gonzalez From Wylie, TX on June 26, 2009

by Larry Smith From Edinburgh, IN on June 24, 2009

I am the one who is behind although I did not get any of the back room good old boy back slaps amounting to billions. In facts, had I gotten a bit of a break in the same manner the banks have, I would not be delinquent. It was last years credit freeze that would not allow me to re-finance when I had planned on it.

by roy self From Abingdon, VA on June 23, 2009

have tried calling them they won't return my calls to even try to work something out

by Amanda From Laurel, MD on June 23, 2009

I recently had my hours decreased at work which led me to not to be able to make a payment. I called chase to see if they had any programs to help me. I applied for a loan modification and it was denied because I wasn't 3 months behind. I asked if I could defer a payment, they said they don't do that. I asked what can you assist me with to bring the payment current. They replied you don't qualify for anything. After numerous calls to them speaking with so many different people, it was a disaster. Basically i keep getting collection calls with no help from them. I'm thinking about renting an apartment and filing bankruptcy. These people are not going to help us. I can't let these people destroy me any more. They are terrible, disrespectful, and liars. The more I came in contact with them, the more I became angry. I am to point where I don't want this house as long as chase is the mortgage holder.

by Anonymous From Spring Hill, FL on June 18, 2009

by Leo Roland From Stanwood, WA on June 11, 2009

by Beth Blanton From Nicholasville, KY on June 10, 2009

The absolute worst customer service on the face of the planet. You cannot be assigned one person to take your case and you cannot be provided with individual extentions. Every time you call you talk to a different person and each different person tells you to do something other than what the person before told you. They tell you what documentation to send and then when you call back you get a different person who tells you that you need to send something else. It's the most frustrating experience I have ever encountered. They are rude and condescending and have no clue as to what the procedures are. I believe they pull bodies off the street, stick them in a chair with a phone and tell them to just wing it.

by Kmberly Franklin From Baker, LA on June 09, 2009

by Ofreda Worthy From Oak Park, MI on June 08, 2009

Chase raised my payments from $672.00 to $1400.00 due to $2000.00 past due taxes. I got a one year forebearance due to my MS from the city of Oak Park. Chase 12/07 paid my taxes that was in forebearance and tripled my payments. I tried to contact Chase of the error. Chase would not let me apply for a loan modification until I was at least 90 days past due to correct their error. After I signed the new modification 03/08, I never received the new statements. I made pmts without statements and the payments were never reported to the bureau. Isn't that illegal? Chase says the modification was never processed and to stop making payments because it was done improperly. It took Chase until August to process the loan modification that was done in March. Now I owe double what the house is worth. House went into foreclosure 02/09. I have an analysis at Chase by the name of Kelly Griffin and I have left messages on her answering machine since 02/09 and she has yet to call me back. I am however in touch with Chase atty's and they keep telling me I'm up for review. I want out of this house and I want nothing to do with Chase. I am disabled with MS since 1982. I just can't take anymore. Can you help? I have until 08/03/09 before I'm evicted. I decided today after seeing my credit report and owing double what the house is worth, I no longer can afford this house. I want to give them the keys if they will remove foreclosure status from my bureau and allow me to move somewhere else. After working for GM for over 30 years. I can honestly say Chase does not know the meaning of customer service.

by corey collins From Mcalester, OK on June 07, 2009

they just want me to pay a bulk of the ammount to stop forecloser procedings

by michael kildea From Lake City, FL on June 05, 2009

They said they put me in a loan assistance program and they didn't I had to call back to see how the process was going and they said that I was not IN the program and they would try to renter the program and the next thing I new was I was getting served with some papers for the attorney

by Anonymous From Simi Valley, CA on June 01, 2009

by letitbeknown From Minneapolis, MN on June 01, 2009

Please contact me if you have had the same type of experience with Chase. We would like your story to add to our attempts to expose them. Contact us at (contentrr@hotmail.com) leave your name and a brief story. Below is our letter: Dear Mr. James Dimon,   We are writing to file a complaint against Chase Home Finance LLC regarding the way in which we were placed on an inequitable repayment plan.  We believe that there were unfair and coercive practices used when we were presented with a "forbearance agreement”.  Based on our previous interactions with the Collections Staff, miscommunication and lack of follow up, we are requesting a call directly from an Executive Officer from Chase.    Below is a time line of events that occurred between February 2008 and Present:    In January and February of 2008 we were unable to make our monthly payments on our mortgage.  In February, we received a notice of default stating that the amount due to bring our loan current was $2,371.62.  Unfortunately, at that time we were unable to make that payment and were in the process of filing for bankruptcy.  Chase Home Finance LLC was not listed in the bankruptcy filing because we believed we would be able carry out our payment obligation.  We mention this only for the fact that due to the bankruptcy filing, Chase collection representatives were unable to speak with us regarding what we owed until the trustee had made a ruling on our case.     April 7th, 2008, Chase sent out another letter stating that our loan was now in technical default and the overdue amount was now $7,244.48.  We did not understand how the overdue amount could be what was stated in the letter.  After doing calculations with our monthly payment and late fees, we found a difference of $2,501.24.  This amount was beyond what we should have been charged.  We contacted Chase regarding the discrepancy in charges but we were unable to speak with a representative due to our bankruptcy status.   May 7th, 2008, we called Chase and spoke with Ken (x30976).  We requested reinstatement costs and were told by Ken to call back.   May 9th, 2008, we called Chase and spoke with LaKenya.  She stated that Andrew at (866-316-9218) ext.30925 was in charge of our account.  She advised that she was unable to reach Andrew, but checked on the reinstatement request.  We were advised the request had been rejected because the loan was not in foreclosure and were advised that she would request it again in case they had made a mistake.  We were advised to call back on Monday May 12th or Tuesday May 12th to see if they were able to send out the reinstatement costs.  She stated I should try to contact Andrew  (x30925) and if I could not reach him then I could call 800-628-1674 and that anyone there could help.   May 12th and 13th, we called Chase again to attempt to obtain the reinstatement costs, but were unsuccessful.    May 16th 2008, we received a letter from Usset, Weingarden & Liebo, attorneys to whom Chase had forwarded our loan for foreclosure.  That letter instructed us to call their office for reinstatement requests and speak with one of their employees.  We tried to contact the attorney at the number listed and left a message for a returned call.  When we did not hear from them we called them at 1:15 p.m. on Monday May 19th.     May 19th, 2008, we attempted to contact Usset, Weingarden & Liebo for a second time and once again left a message to return our call.  A representative called us back to advise that we must call our mortgage company and they would be able to determine our reinstatement costs.  She told us to call 1-800-628-1674 x2195.  At 2:00 pm we called the number we had been given, which was Chase collections only to be instructed to call the Loss & Mitigation department at 866-316-9218.  We contacted the Loss & Mitigation department and requested reinstatement costs.  The representative put our call on hold and then without our knowledge we were transferred to a person’s voicemail.  We left a message detailing our name, loan number, contact information to return our call, what was being requested and how we had been transferred to his voicemail.   May 20th, 2008, after not receiving a call back we called and spoke with Ken (x30967).  Ken advised that the request for reinstatement costs had been rejected again because the attorney fees were not put on the document.  Ken also advised that our account was now being handled by another representative, Shunna Crockett (x30963).  For the fourth time we requested reinstatement costs.  Ken advised for us to call back in a few days and speak with Shunna.   May 22nd, 2008, we called and left a message with Shunna.  We advised her of the conversation we had on May 20th with Ken and that we were advised she was now in charge of our account.  We asked for a return call within 24 hours or that we would call and request to speak with a supervisor.   May 23rd, 2008, Shunna returned our call.  We advised that we have been trying to obtain the reinstatement costs.  We advised of our awareness that our mortgage was now five months behind although we have been trying to pay for the last 7 weeks.  We advised Shunna that we could remit a down payment of $3,000 towards a repayment agreement.  Shunna gave an option of one repayment plan that would raise our mortgage payment from $1161.14 to $1706.  We advised Shunna that we needed to discuss the plan but that we were still requesting the reinstatement costs, now for the fifth time.  Shunna said she put a request in for the costs which should be available no later than May 27th, 2008.    May 27th, 2008, we called Shunna and left a message to return our call.  We advised that we were following up regarding the reinstatement figures.  We also advised that if we did not receive a returned call we will need to escalate to a supervisor in order to assist with our request.      May 29th, 2008, we received a return phone call from Shunna.  I made a stern attempt to get what we had been requesting for months.  As I pressed Shunna for more answers to why she was unable to give us the payoff figures, she said that the company policies had changed from when we dealt with Chase in 2007, so now she was unable to give us those figures. When I asked Shunna about other options in finding out the payoff figures Shunna said she would need to send the total cost figures by mail and that they would only be good for 5 days.  She expressed her concern as it would take five to seven business days to get the information we were requesting through the mail and even then, those figures would no longer be valid as the good through date would have expired.  She stated that we would have to call in again and request the reinstatement costs to be sent to us. We expressed our frustration based on the misleading information and the lack of urgency to get the correct information so we could bring our mortgage loan current.  I advised her that we were going to file another complaint with the proper regulating agencies to mediate this confusion.  This was the same course of action we had to take when we had issues with our delinquent balance in 2007.  Shunna advised we could give the agencies her name in the complaint and then said good bye and then she disconnected the call.   May 31st 2008, we received a Federal Express letter from Chase Home Finance LLC with a forbearance agreement which spanned over the next 12 months and required a $3,000.00 down payment. The agreement was unexpected and was only valid through June 2nd, 2008.  The agreement only gave us a few business hours to have the documents reviewed by Monday, June 2nd.  We believe that this was done deliberately to give us no time to gain an understanding of the agreement or the financial obligations. We were advised that we had no other choice but to sign the agreement and send it back.  We feel this was a coercive act of Chase; it was a plan that in our opinion guaranteed our failure to be able keep our payment arrangement.  Chase did not collect any financial documents in order to determine what we could afford regarding the payment arrangement.  The Forbearance Agreement we received included an additional cost for "Foreclosure Fees/Costs Advanced" totaling $2,964.50.   June 2nd, 2008, we contacted Chase and spoke with Andrew (x30925), after we were unable to reach Shunna.  We were trying to verify the process of sending the down payment via Western Union.  During the phone conversation Andrew had stated that more than likely we would re-default on the loan, we felt this comment was unprofessional.  After much hesitation we faxed in the forbearance agreement and made the down payment of $3,000.00 that afternoon via Western Union.  We have been unable to get any information regarding how the $3,000.00 was applied to our mortgage.   We have proven through our efforts that we are at all costs are trying to keep our home.  We have proven that we have been able to pay Chase though they failed to act in these matters quickly and responsibly, thus costing us more money in unnecessary fees and expenses.  When we defaulted in 2007, it was Chase that was found to be at fault for not responding in a professional manner.  We met that obligation though it took 12 weeks for Chase to accept our money.  We feel that Chase has again handled our account unprofessionally in the same manner we experienced in 2007.  We have proven that we are trying to the best of our financial abilities to keep up with the new agreement.  Under the current forbearance plan we have consistently paid an additional $640.00 over our previous payment amount even though the economy is under heavy stress.  It is a blatant fact that the terms of the current forbearance agreement were set far beyond what we were able to pay without causing extreme financial stress and hardship to our family.    There are three specific issues we need addressed by Chase Executive Management.  We would like to discuss a change to our current payment plan as we are experiencing financial hardship due to current economic conditions.  We need a detailed accounting regarding how we incurred $2,964.50 in foreclosure fees and expenses when the majority of the delay entering into a repayment plan was caused by unprofessional servicing of our account.  Lastly, we have been unable to get a clear explanation regarding how our initial $3,000 was applied to our mortgage and need to have a detailed amortization including all funds paid under the current forbearance plan.      We are also requesting that you delay the current Sherri f's sale date of June 2, 2009 due to the need for a detailed investigation into our case. We have chosen to contact you since we have made numerous previous efforts to deal with the Loss and Mitigation Department which have only resulted in what we perceive as unethical, misleading, and coercive business practices. We are prepared to take the measures we need to protect ourselves and expose this type of lender abuse. We are researching any legal action that may be appropriate and contacting various state, federal, and media agencies.

by Lorraine Gelsomini From Stockton, CA on June 01, 2009

by Anonymous From Mexia, TX on May 29, 2009

by Anonymous From Anniston, AL on May 29, 2009

by Anonymous From Kill Devil Hills, NC on May 29, 2009

by Anonymous From Conway, AR on May 28, 2009

by Anonymous From Steamboat Springs, CO on May 27, 2009

Interestingly enough they were rude and heartless enough that it was almost humorous. They told me they aren't interested in my hardship because I'm only the homeowner NOT the borrower. (Colorado property rights vs. mortgage holders?) Divorce, substance abuse, physical and emotional abuse and finally being left to fend for myself is not reason enough to ask for their help. I do realize it isn't their job to care. I'm a Christian so at least I was grateful for their honesty. Maybe someday I'll feel differently but presently - they seem very insensitive to our 'less than conventional' dilemma. They aren't willing to work with me because the 'borrower' does NOT want to remain in the house. (he's not legally allowed at the house by court order) My ex= has an illness and all the equity is spent and gone. He was able to get loan after loan on our home without my knowledge. Now we are divorced - I'm in the home, he is gone and the house is $200K upside down (at least). I'm just another casualty...but to my kids and I - I'm the one that has to try and find a solution.

by Shelly Encarnacion From Carson, CA on May 26, 2009

by Jeremiah Andrefski From Raeford, NC on May 23, 2009

by Anonymous From Saint Louis, MO on May 21, 2009

No one can make a decision on anything I have asked Chase has had all my information since last February with no response

by Dave W From Phoenix, AZ on May 20, 2009

The worst Company I have ever dealt with. They lie, cheat and steal. To my knowledge they have no corporate morality. The only thing they are good at is subterfuge.

by marta Charles From Needville, TX on May 20, 2009

by Anonymous From Franklin, PA on May 19, 2009

by Darrell Allen From Houston, TX on May 13, 2009

by Marc From Boca Raton, FL on May 12, 2009

Chase told us, that though we are customers with them AND are eligible for the government refinancing at today's low rates, we are not being allowed to even apply until June 17th. Chase states they have decided to divide citizens (customers) up into 2 groups. Phase 1 and Phase II clients. This means we can't even apply until June 17th and the rates then will be different than the 4.875 today. I feel that if we are all tax paying citizens and it is government money that chase shouldn't do this. CLEARLY the higher the rate refiancers get the more interest they will make. We are current in all payments and our credit score was over 700. yes, they did pull our credit before they told us we couldn't apply yet. 3 timess I've been told I will hear from a manager. No call yet. I am taking this to my congressman and senator to see if this is legal use of the government funds and program.

by Dave From Phoenix, AZ on May 08, 2009

Even the Controller of the Currency doesn't seem to scare them. They renege on contracts big time.

by Anonymous From Perryton, TX on May 08, 2009

by AKP From Ardmore, OK on May 08, 2009

This is the BIGGEST RUN AROUND I have ever seen in my life! We have been trying for 6 months now to talk to our loan specialist and haven't yet! I am never going to do any kind of business with them again! I also feel if we ALL BANED together an file a civl law suite we could win hands down! This jhas to be the worst company! They call us every day, just to say this is an sttempt to collect a debt, but we are trying to refininace? get a clue? no they don't have one!

by Anonymous From Trion, GA on May 06, 2009

I can not get any help from anyone at Chase. I have tried and tried to contact them but no one seems to care!!

by Carmen Worlds From Brownsburg, IN on May 04, 2009

Difficult to maintain contact with one individual to resolve your mortgage arrears. Always varying customer service representatives which most were extremely rude and uncaring.

by Anonymous From Chehalis, WA on May 02, 2009

by Charles Middleton From Bee Branch, AR on April 26, 2009

You can't get through to a case manager that is willing to work with you, or the telephone numbers that they give you to call are wrong numbers. They just give the impression of not wanting or caring to help their consumers.

by Wendy Jones From Bryan, TX on April 25, 2009

There is no "service" in their "Customer Service". They "re-do" your mtg telling you your monthly pmt will go down, and it does, then they add past due balances, penalties & interest to your "new" monthly payment without telling you any of this and the next thing you know, your "re-do" is now a higher monthly payment then you have ever had to pay before. THIS IS HOW CHASE HELPS THEIR CUSTOMERS??? Rediculous, unscrupulous and dishonest. Shame on them, may God forgive.

by Anonymous From Columbus, GA on April 23, 2009

"CUTOMER CARE' DEPT. DOES NOT GIVE A DAMN

by Anonymous From Richmond, TX on April 21, 2009

I tried to contact my mortgage company just after the death of my husband to see how they could help me since I was unemployed, but they couldn't, and wouldn't entertain a conversation about what was possible for me and my sistuation

by Autumn Lujan From Irvine, CA on April 20, 2009

by Anonymous From La Joya, TX on April 20, 2009

they don't care they just they are helping i applied for modification since november of 08 and they just were lying to me the whole time now i get foreclosure papers

by Kimberly Fortune From Roseville, MI on April 20, 2009

by Anonymous From Naples, FL on April 17, 2009

by Anonymous From Sapulpa, OK on April 17, 2009

They don't seem to care about what you may or may not be going through and i feel aren't the least bit interested on helping me keep my home

by maycro chipi From Port Richey, FL on April 16, 2009

i hope that chase has a little understanding in trying to help us

by Anonymous From Ozark, AR on April 13, 2009

by Anonymous From Melbourne, FL on April 10, 2009

by robert johnson From Mobile, AL on April 09, 2009

I have called for help and all i get is put on hold and disconnected.

by Deborah Tully From Oak Lawn, IL on April 08, 2009

We were assisted in 01/2008 but they raised the payments. Chase told us in Dec 2008 that they would place the past due amount at the end of our loan. We have not heard from them and have left countless messages. I would like to get away from them if possible, but we have a bankruptcy on our credit.

by Nona Calisterio From King City, CA on April 06, 2009

Wamu was great but now Chase i have no comment about chase . Wamu tried to get $$ from me all the time if i had it i would have paid my ARM loan

by bobbie jones From Parma, ID on March 30, 2009

They say they will help and then try to get money out of you even though they know you have none. Then they use that against you.

by Rublowe From Phoenix, AZ on March 28, 2009

Chase is a great company. People should get off the couch and look for a job instead of waiting on obama to modify the mortgage. Thge human mind is so gullable, instead of making minimum payments to show intention on keeping your home secure, you wait upon the shyster brokers and loan officers that put you in these arm loans to now MODIFY them for you, since they have no business in real estate.. DUR!!!

by Anonymous From Manassas, VA on March 25, 2009

by Susan Diez From Hialeah, FL on March 25, 2009

by Anonymous From Canton, OH on March 25, 2009

chase refuse to work with me in helping with this problem

by Mark Hardie From Portland, OR on March 24, 2009

by Anonymous From Boswell, PA on March 23, 2009

danna funding started this and tricked my 80 year old father in to this he died 7 days ago

by Anonymous From Lithia, FL on March 23, 2009

by Paul Johnson From Kankakee, IL on March 21, 2009

by Anonymous From Wilmington, IL on March 19, 2009

by celeste lewaniak From Downers Grove, IL on March 17, 2009

by Anonymous From Crown City, OH on March 16, 2009

by Anonymous From Carmel, CA on March 15, 2009

Alliance Bancorp was my original Lender. They filed a Chapter 7 Bankruptcy on July 13, 2007. Chase Home Finance being the Servicer was the first to know when I ceased making mortgage payments. A "Certifying Officer" of MERS (really just a lowly Chase employee" then assigned the Alliance Bancorp Deed of Trust to Chase Home Finance. This is not legal as Alliance Bancorp assets (Promissory Notes and Deeds of Trust) became assets of the bankruptcy estate and would need courts approval to transfer assets of the estate. Chase is stealing assets from the bankruptcy estates of many now defunct mortgage companies by way of these fraudulent conveyances. That is why they are dumping foreclosures at fire sale prices. Think about a thief who sells stolen goods really cheap to get rid of the evidence and pick up some quick cash. This is easily proven yet the Bankruptcy Courts are turning a blind eye to this massive scale looting.

by tammy strenge From Mesquite, NV on March 15, 2009

by Anonymous From Sabillasville, MD on March 14, 2009

by robyn higginbotham From Atlanta, GA on March 12, 2009

by Donald Goldsberry From Yorkville, IL on March 12, 2009

Chase has been fair, but I was recently turned down for a loan re modification and wanted to know my alternatives,until this past 4 months I was never late on a payment, I was laid off after 5 years of service with a fortune 500 company. I started my own telecommunications business and are now starting really see the profits and want to know th next step before the foreclosure process begins. Thank you, Don Goldsberry

by Caroline Blacknell-Williams From Centreville, VA on March 10, 2009

by brian collins From Sumter, SC on March 05, 2009

my mortage company refuses to help me because i have the house on the market, they actually recommended a deed in lieu of foreclosure.

by Anonymous From Houston, TX on March 05, 2009

by Richard Toney From Mcdonough, GA on March 04, 2009

I really need HELP... I have an interest rate of 6.25 and my mortgage payments were at $1509.68 and I have tried to remodify my loan and Chase denied my loan remodification.

by Nacol Hicks From Tomball, TX on March 04, 2009

poor customer service!

by Jonathon Gonzales From Laveen, AZ on March 04, 2009

rude, unprofessional, and mired in corporate bureacracy--God help their souls!

by neo From Minneapolis, MN on March 03, 2009

This is all I have to say just Observe for yourself and understand who they really are? Chase complaints http://www.afscanhelp.com/companies/mortgage-companies/chase-home.cfm http://www.consumeraffairs.com/finance/chase_mortgage.html http://www.my3cents.com/search.cgi?criteria=Chase+Manhattan+Bank http://www.complaints.com/directory/2005/june/15/20.htm http://www.complaintsboard.com/bycompany/chase-bank-a6981.html chase bank and collaboration with hitler video http://www.youtube.com/watch?v=QNYHkCatPFo Chase and Enron scam http://www.sec.gov/litigation/litreleases/lr18252.htm http://www.sec.gov/news/press/2003-87.htm

by Anonymous From Atlanta, GA on March 03, 2009

by Pam Haney From Chicago Heights, IL on March 03, 2009

by stephanie parker From Cadwell, GA on March 02, 2009

by Anonymous From Caldwell, ID on March 02, 2009

by Dejah Johnson From Denver, CO on March 02, 2009

by paul carr From Mesa, AZ on February 27, 2009

by Anonymous From Melbourne, FL on February 25, 2009

Never work wuth them, unfriendly, unhelpfull, lead you on and then dump you. Tried making the payments up abd they refused to take the money.

by Julie Carroll From Melbourne, FL on February 25, 2009

by Anonymous From Carthage, NC on February 23, 2009

Agree with much of what has been written. Our mortgage was sold to Chase without our knowledge. Since then it has been a very poor experience. Every attempt is routed to a call-center with poorly trained representatives. A few are friendly, most are not. When we had trouble with mailed payments being "held" for extended periods we agreed to automatic drafts. They managed to draft more money than agreed on (they even admitted it was their fault). 4 weeks of constant battles, having to fax "proof" of their error to them (we were given 3 different fax numbers - each time we faxed, called to verify they claimed they hadn't seen it and gave us a different fax number) Not to mention they would never give us a number for the mysterious "research department". They added a forced escrow that increased the payments with no warning. They tried to force us to pay THEM for our insurance premium - it took faxing our proof of coverage & binder multiple times to stave that off. They offer absolutely no recourse, no way to contact. They have refused our requests to send them required paperwork IN WRITING by mail. Conversations & agreements are never noted and frequently "forgotten" about. Recently job loss caused a setback - working with them is pretty much futile. In fact, at one point my husband attempted to pay them as was told they would not take it. While I don't expect perfection, I do feel that there is something seriously questionable & unethical about their practices. I would very strongly recommend that you do not use this company.

by Angela Savaglio From Oak Lawn, IL on February 22, 2009

They are unwilling to work with me and have closed my request out. They say my unemployment is to low to work with me and said I must be late for them to even to to but and that is doesn't really matter they won't do anything unless a have substancial income. Isn't that what half the country is facing now? They told me my house was worth xxx and it's down over $100,000.

by Derrick watson From Orlando, FL on February 21, 2009

by Greg From Toledo, OH on February 20, 2009

OMG!! I completely agree with Tracey From Monroeville, PA. They are the most scatter brain group of "Customer Service" people I have ever dealt with. I have been trying since September to get a Letter of Foreclosure Notice from them so I can make a 401k withdrawl to bring my account current. On the couple of attempts that I have been successful in my request , it has taken them at least three weeks for them to get the letter to me. By then I owe for another month! 80% of my calls to Chase Home Finance have ended in disconnections after being put on Hold and transferred multiple times!! Didn't they say they were suspending foreclosures until sometime next month? If so, why am I in foreclosure? The overpaid executives have taken our tax money and they are and hired morons to manage the phones and accounts. I for one have a letter going out this weekend to all of my Congressmaen and to Presidnt Obama.

by Anonymous From Tullahoma, TN on February 19, 2009

by Paula Henderson From Conyers, GA on February 19, 2009

by Andrea Thomas From Indianapolis, IN on February 18, 2009

by Mike From Chadds Ford, PA on February 18, 2009

I have a home mortgage with chase. I send my payments (not by the first) but definitly before the end of the grace period which is the 16th. I have sent my payment 10 days before the grace period by mail, and for some reason they say they have not recieved it. My father has had them do the same thing. Now they are trying to charge me a late fee. I told them that all the other bills I sent out at the same time got to their destination in 2 days and posted by 3 days. I explained to them that I was sure they recieved my payment, but decided to hold the payment until after the 16th of the month so they could charge me a late fee. They have taken my money through taxes for their bailout, now they are tyring to screw me with late fees that are bogus. Chase bank sucks!!!!!!

by Tracey From Monroeville, PA on February 17, 2009

After busting our selves for over a year on the so called loan modification and finally making that last payment, i get a bill with over $300 in fees that were already paid the month before. When you call there, the left hand never knows what the right hand is doing and Karina and others like her lie to you and wait for you to raise your voice so that they can end the call. I have never met so many incompetant people in one place! You explain, with a name, to the person that you just spoke to and they say that they can only tell you what they know and whatever someone told before hand is essentially wrong!!! This is the WORST MORTGAGE COMPANY ON THE FACE OF THE EARTH AND THEY SHOULD ALL BE FIRED FOR MISLEADING THIER CUSTOMERS!!!! We are stuck in this hole called chase and with a VA loan, makes it harder to look to move it. I hope that this company falls and falls hard. God Bless Everyone (including us!) trying to deal with these simpletons and keep plugging! You worked to hard for too long to just let some company destroy your lives. Take the power back to the blue collar man and let these suit wearing, pencil pushing lackeys know that we are finished being pushed around!

by Anonymous From Brush, CO on February 16, 2009

We have asked them for help on other occasions and they have not been very helpful.

by Hector Sifuentes From El Paso, TX on February 14, 2009

Have called Chase and asked if I can pay a bit extra in my normal payments so that I can catch up to current status, but was refused.

by Angela Garrow From Palm Coast, FL on February 13, 2009

They are great I have just gotten so far behind as a result of my husband leaving and not helping me financially I just need to start over. I can afford a payment just not quite as high as the one that I have.

by Anonymous From Duncanville, TX on February 12, 2009

by Linda & Gary McClellan From Independence, MO on February 12, 2009

We called to ask about any programs they had, but they just said there was nothing they could do to help us.

by Rondall D. Ebey From Tulsa, OK on February 06, 2009

Chase Home Finance has always been good to me. I just cannot compete against the competiton to sell my townhouse.

by Kate Zeiss From Lahaska, PA on February 04, 2009

After hundreds of nightmarish communications with Chase involving the sale of our home during a race against the "foreclosure" clock we finally got it done (no thanks to Chase who made our realtor's life a living hell). We closed on 10/31/2008. Just received a letter from Chase (2/2/2009) telling us that our homeowners policy had "lapsed" and that they had placed an insurance binder on the loan from 10/31/2008 to the present and that they would be charging us for it. When I went to the website Chase sent me to to explain our "lack of insurance" I wasn't able to login because their server knew that the loan had been satisfied. Typical

by Deb From Louisville, KY on February 02, 2009

Wow, I don't feel so bad now. I just got off the phone with Chase and I cannot believe the phone chase they put me through only to refuse a workout program. I asked them wouldn't it be better to get your money back through a workout program than end up with nothing and they said that was the bank's policy. I told them that other institutions were working with their customers. Got the statement that that is their policy. Very poor business model. Extremely shortsighted. It didn't help that it sounded like I was talking to someone in India either. SHAME!!!!!!!!

by suzette williamson From Freeport, NY on February 02, 2009

by Melissa O'Neal From Grand Ridge, FL on February 02, 2009

by Norman Benson From Converse, TX on February 01, 2009

I did a loan modification. They didnt give me a date when the paperwork would arrive when it did it was already due and then when I attempted to contact my rep to discuss his mail was full and his supervisors has been full for 3 weekss!!! go figure. poor service

by troy d luther sr. From Fair Haven, VT on January 30, 2009

Its absolutely absurd,what they are doing. 4 years in dealing with chase,and cfic homemortgage. after a divorce i fell victim to amc home morgage. making all payments on time to rebuild credit,at the same time raising three kids,and working with a severe disability.once decided to use the online banking to get quotes. i decided ti go with chase due to there promises. soon to find out cfic had been charged with fraud regarding the hud 1 disclosers,and had to pay back funds.resumed with chase until youngest son came down with an acute double kidney failure.immediatrly contacted chase to refinance in good standings.they took my appraisal fees,waited 3 months to find out that chase DOES NOT HOLD THE LOAN NOR DO THEY INTEND TO HOLD THE LOAN.being nehind and after 138 phone calls,over 60 corrasponding letters,they promised a modification. again several months and phone calls to the loss litigation dept. they kicked out the first mod,due to there lack of integraty,and fair practices. to top it off there forcing a 1700.00 mortgage tp 1 2700.00 payment with no factuall documentation to support there promises. we need to network and prevail troy

by Joseph Gross From Bloomington, IL on January 30, 2009

They do not care what kind of financial problems a person has. They do not want to work with us. They just want their money and want it now. I hate Chase Home Finance

by Stephen Carpenter From Greenup, IL on January 28, 2009

I have had many hard times dealing with them. They are not always up front with you. I have been able to stay a couple of payment behind if I did fall the third payment. Now they say that is no longer and gave me 3 days to come up with a extra payment.

by Beth Hollingsworth From Avon Lake, OH on January 28, 2009

every time i call i get a different person telling me different things to do. i dont know who to believe or what to do. a company this size should know what they are doing and should be able to provide help to their customers in order to order foreclosure or bankruptcy. The employees shold also be aware of the current guidelines so that they are not telling customers different scenarios every time they call.

by LaMont King Jr. From Indianapolis, IN on January 28, 2009

They are very poor in customer service and judgement. Our financial situation changed back in 2003. My wife was pregnant and on bedrest for 6 months. The company she worked for when we applied for our loan fired her. She was out of work for 10 months. I was struggling to pay rent and bills by myself. When she did start working again she was making significantly less. We got behind and Chase kept offering to help, but they would forgive the amt. owed and raise our mortgage. At one point or mortgage went from $876/month to over $1,620/month. We could not keep up those payments and so we ended up filing Chapter 13 to stay our home. Calling them always resulted in them directing us to our bankruptcy lawyer. I had requested letters from Chase in order to get money from my 401K to handle emergency funding of bills and mortgage. They would agree to send it and no letter ever arrived. I would call back and get redirected to contact my bankruptcy lawyer. I have had the worst customer service ever with the Chase bankruptcy dept. They should all be reviewed and fired. There refusal to talk with us or any client has been the reason for so many people losing their homes. If we can't work with them an speak to someone, outside of just paying the mortgage, how does anyone re-evaluate your loan situation and your ability to pay your mortgage. They are simply horrible and I have encouraged every friend, family member, and business to never utilize Chase Mortgage Co.

by Anonymous From Valparaiso, IN on January 26, 2009

Chase does a poor job of contacting their borrowers. I haven't received a statement in months, and I can never get on the website to check in that way either. I am behind on my mortgage and have been expecting to hear something, but have received nothing. I could be headed to foreclosure but have no idea!

by Chris Ruggiero From Hamden, CT on January 23, 2009

by Anonymous From Austell, GA on January 22, 2009

After 9 nine years of having them as my mort co. and having a good history with them, they are unwilling to help me through this crisis.

by Brenda Wilkins From Inkster, MI on January 22, 2009

by nicole smith From Kansas City, MO on January 21, 2009

by CSIChase From Minneapolis, MN on January 21, 2009

Move NOW!!! and take back your freedom from the CHASE =(literally to chase after with hostile intent). Tell your children about what these greedy bankers did to our nation and how our leaders have perpetuated there scams because the have failed to protect us. Justice delayed is justice denied. No longer wait for elected Messiahs to do anything on your behalf. The elected failed to understand that they where created for the purpose of protecting our nation from other barbaric nations and intruders. If this is the case then why have they sought out their own interest by bailing out crooked lenders? If they truly cared about our interest, then they would be looking into the interest of our protection and would have guarded us from these thieves like Chase. I am making my way to the Governor with my case and I will only hope that some day soon I will see you all take a stand and that your boldness to act will be on the lips of our journalist on the morning, afternoon and nightly News. I say NO MORE!!! If you don't tell your story, Chase will continue to prosper and will continue to Glory...This is a mockery to the Citizens of our country. Maybe a big experiment to test to see how far they can go. Maybe this is the Jane Elliott's Blue Eyes/Brown Eyes Exercise but changed to the Rich man Poor man Exercise. I don't know but one thing is for sure..ill gotten gain will not last forever. Take a stand people..you have more power to make change then you can imagine but you do need to take the steps to bring this business out of power. This will not be by fiance but by empowering the citizens with knowledge otherwise people fail for lack of it. By striving to have Face to face encounters and with a persistence to meet your local, city and state level leaders, will be the ONLY way things are going to change..this is why they want you to write... but do that no longer..I say GO! >>forget the calls, the emails and the letters. I say hand deliver them right to there office and Keep Coming back until justice is no longer denied and the power is put back into the communities hand. I promise you that no one will change things but you >>Now GO!>>

by silvia ortiz From Aurora, IL on January 20, 2009

by purvis bowman From Spring, TX on January 20, 2009

by CSIChase From Minneapolis, MN on January 20, 2009

Move NOW!!! and take back your freedom from the CHASE =(literally to chase after with hostile intent). Tell your children about what these greedy bankers did to our nation and how our leaders have perpetuated there scams because the have failed to protect us. Justice delayed is justice denied. No longer wait for elected Messiahs to do anything on your behalf. The elected failed to understand that they where created for the purpose of protecting our nation from other barbaric nations and intruders. If this is the case then why have they sought out their own interest by bailing out crooked lenders? If they truly cared about our interest, then they would be looking into the interest of our protection and would have guarded us from these thieves like Chase. I am making my way to the Governor with my case and I will only hope that some day soon I will see you all take a stand and that your boldness to act will be on the lips of our journalist on the morning, afternoon and nightly News. I say NO MORE!!! If you don't tell your story, Chase will continue to prosper and will continue to Glory...This is a mockery to the Citizens of our country. Maybe a big experiment to test to see how far they can go. Maybe this is the Jane Elliott's Blue Eyes/Brown Eyes Exercise but changed to the Rich man Poor man Exercise. I don't know but one thing is for sure..ill gotten gain will not last forever. Take a stand people..you have more power to make change then you can imagine but you do need to take the steps to bring this business out of power. This will not be by fiance but by empowering the citizens with knowledge otherwise people fail for lack of it. By striving to have Face to face encounters and with a persistence to meet your local, city and state level leaders, will be the ONLY way things are going to change..this is why they want you to write... but do that no longer..I say GO! >>forget the calls, the emails and the letters. I say hand deliver them right to there office and Keep Coming back until justice is no longer denied and the power is put back into the communities hand. I promise you that no one will change things but you >>Now GO!>>

by Quinton Rice From Grosse Pointe, MI on January 19, 2009

by timewilltell From Minneapolis, MN on January 19, 2009

This company has been misleading us for 2 yrs know. We called them many times and just got different answers. Chase is using Coercive Power to work their clients over. It's time for them to be exposed. I will take the first steps and may you follow. Chase will know my name when it all said and done.

by Roy fouts From Dawsonville, GA on January 18, 2009

by samuel carreras From Centereach, NY on January 16, 2009

by Kristie Milam From Harrodsburg, KY on January 16, 2009

I realize I haven't been the best client due to my ARM loan; however EVERYtime I contact Chase I receive a different story/solution and when I follow through with what they have previously have suggested I am told "Well I am sorry you were told that but that isn't correct this is what you need to do" and of course I would receive that exact response when I sttempted the follow through. Also one of their specialist over a year ago gave me a "plan" to follow which assisted me into getting into this current situation. I would not suggest getting involved with Chase unless you have a fixed mortgage and obtain 3rd party help if you need assistance dealing with them with legal matters.

by Paula styler From Sparks, NV on January 16, 2009

The company does not seem to be willing to work things out with the borrower. I had applied for a refinance and was told they were sure it would be approved and required me to pay a $375 application fee. I could have used the application fee for part of a mortgage payment but I was assured the refinance would be approved. Then the current credit situation occurred and none of the mortgage companies were approving loans. I'm now in pre-foreclosure and none of the representatives of Chase ever informed me that I was going to be sent a notice of default. I was told to not make a mortgage payment in trying to catch up and wait until the analyst got back to me regarding the owner of the loan accepting a modification. I've called Chase and left messages for the analyst that I was told I needed to talk to, yet the analyst has not called me back. i was told that if I mailed in any payment, it would be returned.

by Anonymous From Olathe, KS on January 15, 2009

They have not be very willing to help us once we got behind. They also did not keep us notified of our situation. Now they wont return our call in regards to our foreclosure.

by Julana Keith From Yadkinville, NC on January 15, 2009

by jeffrey dankworth From Piqua, OH on January 14, 2009

by catherine fechner From Fayetteville, NC on January 14, 2009

by Anonymous From Montgomery, TX on January 14, 2009

I have read that Chase has worked to assist 400,000 of their mortgage holders into better loans, removing the high rates and ARMS. These things were never offered to me. In fact, they doubled my payments and I could not make those...after sending me back 3 months payments I made in one month as they sent everything to the lawyer so they would not accept anything from me unless all back payments. The doubling up of payments was the only offer made to me. The refused to lower the interest rate.

by victoria From Huntington Park, CA on January 14, 2009

everyone at chase lying sac of ./,/

by Jasmine Lightfoot From Goodyear, AZ on January 13, 2009

by Lorain Fields From Watervliet, NY on January 13, 2009

by Anonymous From Las Vegas, NV on January 13, 2009

by Stephanie Phonsiri From Rancho Santa Margarita, CA on January 11, 2009

Unwilling to work with their customers. I contacted them back in August of 2008 to let them know my situation and ask for help. They did not offer any assistance at all.

by Anonymous From Broomfield, CO on January 11, 2009

by Anonymous From Waupun, WI on January 10, 2009

by Anonymous From Woodbine, GA on January 09, 2009

they have been reasonable

by BRUCE N. WARDELL From Phoenix, AZ on January 09, 2009

chase really don't let you to modify your loans. They miss lead you with run around life styles I faxed in 69 papers.studied for ever de by learning from the staff at chase ands none of them would say anytingnme

by Jeff Furnace From Sun City, CA on January 09, 2009

by Teresa Cargle From Temecula, CA on January 08, 2009

by Laura Eaton From Marietta, GA on January 07, 2009

by CSIChase From Minneapolis, MN on January 06, 2009

I am tired of this immoral business and I am saying NO MORE!!! People you need to Get off your computer and march right down to your Governor and Attorney Generals office RIGHT NO!!!.Dark deeds of this business and the many shadows it does business in WILL Not stand in the light of day.I beat them once and i WILL Beat them twice. It took 12 weeks for them to finally take my payment and put the loan current..I am not going to sit and watch this no more! There is a clear pattern, a common principle Chase is inflicting on families. They are destroying this generation. If you don't act now then you agree with what they are doing and your children will suffer because of our lack to protect them. People need to know about this business entitie's DARK history and involvement with Hitler, Enron scandal and today's market thievery. Start sending adds out to your community about THE HISTORY OF CHASE and you WILL see this business begin to fall one area at a time...GOOOOO AND FIGHT!!!!!!!

by Anonymous From Fort Lauderdale, FL on January 06, 2009

I have not missed any payments and don't have any thing negative to say other than they are a mortgage company and like it or not they hold all the cards ,so I hope that they see that and helping me now so they will keep a good customer, and have one less foreclosure.

by Melissa Moore From East Bernstadt, KY on January 05, 2009

by Anonymous From North Hills, CA on January 04, 2009

Chase didnt want to speak to me about my difficulties since I have been paying my mortgate. Even though I have 2 30 day lates they believe I can afford it. No options offered.

by Anonymous From Canton, IL on January 04, 2009

by showmypost From Minneapolis, MN on January 04, 2009

I am making a campaign against Chase bank. My goals are 1)create a flier about their history and where to go to see the thousands of complaints effecting families around the country 2)Send the CEO and CFO of chase a copy of the flier and a declaration of a moral war campaign that will last as long as the number of years that foreclosure destroys your credit..10yrs 3)meet with my Governor4) Invest into sending the flier out to 50,000 people in my city... Please support me! contentrr@hotmail.com

by nellie Jones From Denver, CO on January 04, 2009

I do believe chase will help me.

by moral campaign From Minneapolis, MN on January 04, 2009

I am making a campaign against Chase bank. My goals are 1)create a flier about their history and where to go to see the thousands of complaints effecting families around the country 2)Send the CEO and CFO of chase a copy of the flier and a declaration of a moral war campaign that will last as long as the number of years that foreclosure destroys your credit..10yrs 3)meet with my Governor4) Invest into sending the flier out to 50,000 people in my city... Please support me! contentrr@hotmail.com

by Anonymous From Charlotte, NC on January 02, 2009

by Jesse Montalvo From Corpus Christi, TX on January 02, 2009

I just came off a 3 month moratorium that was granted due to Hurricane Ike hitting the TX Coast. I contacted Chase to let them know that I would not be able to make all three payments, but would make two payments in Jan and they told me that was not good enough and that they would not accept two payments. A few days later, I received notice of default.

by Denise Fountain From Sacramento, CA on January 02, 2009

I called them when I had no savings left and began being late with no steady income coming in.They harrassed me even though I wwas not 30 days late and insisted I give them a check #.I told them I didn't even have that amount of money in my bank and no job I couldn't write a bad check.They said they would post date it.I asked for a manager they wouldn't give me one & said if I hang up they would enter on my account I refused to pay!I called on another phone got a manager & he backed up the person I spoke with first!He then also said he would say I refused to pay!I wasn't even past due!They are horrible horrible people who will pay for their wrong doing when their time of reckoning comes!How could you blatantly lie and say someone refused to pay when they weren't even past due!Horrible liars!Everytime there after that I called I was redirected to what I now understand was collection and could not get to mitigation.I finally found another number who said he was a counselor for that and I would just have to go through a whole new application for a new loan and that was all he could do.There are no other programs he said.Then he said I don't make enough from what he understood to qualify for a new loan anyway!I know I don't make enough money after losing my job of 11 yrs. thats why I called!

by aron aguilar From Mesquite, TX on December 31, 2008

by Anonymous From New Prague, MN on December 30, 2008

I missed one months payment, which was September. I set up a payment plan of a payment and a third over the next three months, but they kept taking that third portion and using it for escrow and other charges, never allowing me to catch back up. I was just on the phone with them this morning again, and they said they had it figured out, but I was told that on December 11th also. Hopefully this time it is true, and now I should only owe for January, which I will hopefully be able to pay before the 15 day grace period is up on January 16, 2009

by Anonymous From New York, NY on December 29, 2008

Chase has demonstrated a combination of deception and incompetence. My payments on my Florida mortgage started to fall behind in August 2008. Because of foreclosure threats, I went to a lawyer who called their collection department and spoke to a "Ms.Samuels" in my presence over a speaker phone. She offered to consider a modification, which she said would take 4 months. The only requirement was that I continue to make monthly payments while the modification was considered. So I paid in October and November. In December I received a foreclosure notice from a Florida law firm, despite Chase's promise to hold off on it while the modification request was considered. When I called "Ms. Samuels" she said her supervisor, a "Brandy Murphy" would try to halt it. A week later, no change had been made, "Brandy Murphy" did not return my 5 or 6 phone calls and "Ms. Samuels" had left a message on her voice mail saying she no longer worked in that department and leaving no way to reach her. For about a week more, there was a record of my modification request, then it disappeared from their files. I called the NY State Banking Association to lodge a complaint, and whoever answered told me I had no recourse because nothing had been put in writing. I told him that my lawyer was a witness over speakerphone that a consideration of a modification had been offered. He pooh-poohed it, then began to lecture me as if I were a child and, essentially, defended the interest of the bank. I had to hand up on him. I later found out that my Chase loan had been farmed out to Fanny Mae, and that because Fanny Mae foreclosures are on hold, I never should have been served a foreclosure. After numerous phone calls and phone transfers I finally reached a supervisor in the modification department who verbally agreed to consider a modification if I would send the proper papers ("Ms. Samuels" hadn't even mentioned the need for any papers.) I'm in the process of gathering information for a modification request now, but yet again, I have only verbal assurance that they will consider one. And by the way, when I mentioned to them that I lacked one year of tax documents because I was behind in filing, they must have reported it to the IRS, because I got a letter from the IRS demanding that I file immediately for that year. This second verbal assurance of theirs isn't very reassuring, especially since I continue to get occasional calls from out-of-it bill collectors asking me to pay all past mortgage fees and get up to date. None of them seem aware of any modification request or foreclosure. The modification department does not seem to share records with them. Finally, there is no continuity. If you call and ask to the person who called you, they refuse. If you ask the name or extension of the person calling, he or she will often refuse to tell. Is all this Kafkaesque behavior legal?

by Anonymous From Locust Grove, GA on December 28, 2008

When you have a medical emergency situation that keeps you from working it is very different from just not making your payments. I had open heart surgery in April 2008 and did not get to go back to work until September. Only worked a few weeks and got laid off. Was off work until December 2008 went back to work and worked about 3 weeks. Was laid off. Behind on all our payments.

by Anonymous From Stone Mountain, GA on December 27, 2008

by let people post what they want AFS From Minneapolis, MN on December 23, 2008

I try posting very inportant stuff and ASF screens it and doesn't post it. What kind of forum is this? LEt the people POST WHAT THEY WANT!!!!

by Joseph Delcorps From Green Bay, WI on December 23, 2008

by Anonymous From Indianapolis, IN on December 23, 2008

by putting/chase/out/of/business/1client/at/a/time From Minneapolis, MN on December 23, 2008

"People" I have fought this monster and won three times. They do not want to be exposed and the threats to do so seem to cause them to act like the mortgage company they should be. Entities DO NOT have morals, people do so don't expect them to feel sorry for you. All they see you as is a policy number that is or isn't current with the obscurity of the agreement. My wife and I have 4 children so you can see that this is personal. We really need to fight for our children. I have experienced the same things I am reading on this compliant forum. There needs to me a mass flood of information about their deeds sent to our congress, news, radio and other places like dateline, night-line, Good Morning America and more. We can do it!!!! don't believe the lie that you are unable to influence the situation. I have had a commercial advertisement removed from being aired on the TV. I have had a product removed off the selves of 200 Menard's stores around the nation. My Attorney General along with the OCC (Office of the Comptroller of the Currency (OCC) charters, regulates, supervises all national banks) assisted me in my foreclosure because I WAS NOT going to fight this alone. Make sure you RECORD every conversation you have with the people at the company because when they get you to spin with their words, It seems that everybody but you forgets what was said. Make sure to call them with other people on your side of the line listening in and even with a freedom to ask questions if they have any for the specialist at Chase. THEY CAN BE BEAT AT THEIR GAME. I am nothing special but they KNOW MY NAME. I fought for 12 weeks for my house and I had the money to pay up the delinquent amount. VERY OBVIOUS they wanted the write off. I am sending this forum to my Congress person and to many other places until WE ARE HEARD. I have also influence about 15 people to either drop or decide to not go with Chase in any business they do. THAT IS VICTORY!!! that is about 5-10 million dollars less over 30yrs that Chase will not make. when people wake up and start doing business with people with a good business history and not with businesses with a evil corruption history THEN WE WILL BE MAKING HISTORY AND PROTECTING THE FUTURE OF OUR CHILDRENS CHILDRENS. CHASE...may the money you have taken from ill gotten gain and obscure practised turn into gravel. Your deeds will come into the light of day and one day you will be out of business. If you are interested in the history of your unrepeated lender, check out the links below because Chase is still up to their dirty old tricks. Tell the world what you are going through. If you choose Chase again then don't complain about the future of this nation!!! http://www.consumeraffairs.com/finance/chase_mortgage.html http://www.youtube.com/watch?v=QNYHkCatPFo&feature=related http://www.washingtonpost.com/wp-dyn/content/article/2005/06/14/AR2005061401609.html

by lisa kollath From Kiln, MS on December 22, 2008

by Anonymous From Stockton, CA on December 19, 2008

I've tried to talk to Chase. Both times I was told because you are not late we cannot help you.

by tim campbell From Kodak, TN on December 19, 2008

by Anonymous From Amite, LA on December 18, 2008

by riaz bhat From Trenton, NJ on December 18, 2008

by Anonymous From Port Saint Lucie, FL on December 18, 2008

WOW! I thought I was alone. Reading all these complaints about Chase Bank makes me wonder why a bank that has caused so much heartache to people who are really trying to pay off what there behind on their mortgage, cause them to lose their homes. It's so sad to read all these complaints which in almost every case Chase Bank employees treated me the same. I've always paid my loan on time, lost my business, called them from the begining and they were Rude, I had to talk to ten different people who don't know anything, supervisors are useless, keep telling me to call back in a few days and putting me behind on my mortgage even more when I want to make a P & I payment. UNREAL! This banks CEO, whoever is on top should get a wakeup call and feel the pain all of us hardworking individuals that fell into hardship because of loss of income (temporary) but who struggle to keep in touch with Chase bank and they just don't care and don't want to work with you. And they have the nerve to state on their statement "WE REALIZE YOUR FINANCIAL CIRCUMSTATCES MAY HAVE CHANGED, AND WE ARE HERE TO HELP IN ANY WAY POSSIBLE". What liars! This is a false statement and they should put "WE DON'T CARE ABOUT YOUR SITUATION AND TOO BAD PAY US WHAT'S DUE OR WE WILL TAKE YOUR HOME BECAUSE THAT'S WHAT WE LIKE TO DO". They should be ashamed of themselves. I can't wait to get rid of them I will make sure anyone that will listen knows what an awful bank they are. Hopefully they will run out of business.

by jason clevenger From Galion, OH on December 17, 2008

by ami serrato From Dickinson, TX on December 17, 2008

BANK BAILOUTS BUT WHAT ABOUT THE REAL “AVERAGE JOE” ?????? THIS IS MY STORY OF WHAT IT IS LIKE TO BE THE “AVERAGE JOE.” To Whom It May Concern: I looked up on the BBB and I am just wondering HOW Chase Home Finance can get away with what they do? I read over 500 negative experiences that the "Average Joe" has gone thru with Chase. Everyday people that have had some bad "factors" in their lives, people that are truly middle class- assets to society. And the one thing that help them get thru the rough patches, going to their home at night... is being RIPPED out from underneath them. And whose to say the "life-factors" will soon subside and they will be able to make good with Chase or any home lender but it has already gone to far and is to late. You hear, the middle class, the middle class. We seem to be getting the short end of the stick - ALWAYS. We work hard, we stay off welfare, we don't ask for hand outs but when things get rough we get dropped. Does society want us to lose? Does the government want us to get on welfare and look for hand outs? Not be a contribution to this great society? I myself have gone thru some really rough "life-factors" and I am beside myself on what to do. I find myself ignored, alone and wondering if I give in and give up then maybe I can get on some food stamps and feed my family steak and shrimp from the grocery because Lord knows I can't afford to buy it now as the "Average Joe." Now the real reason I write. My home was hit by hurricane Ike. Here is my story. I need some help or guidance - PLEASE. I am not asking for handouts but just a dang break. I am writing to you in hopes that I can find some help for my family. We, like many others, suffered damage to our home during hurricane Ike, but because of mistakes made by our insurance carrier and our mortgage company, we are now in danger of losing our home to foreclosure. Our roof was damaged during the storm along with the sheetrock and carpet. We filed a claim with our insurance carrier, Allstate, the day after the hurricane and began cleaning and removing wet carpet and sheetrock to make our home as livable and safe as possible. Our son was born with seven distinct heart defects, so respiratory concerns, like mold, are a very serious situation for our son. We heard back from our insurance agent two weeks later notifying us that we would not be eligible for any type of coverage because we did not have a windstorm policy, only a standard homeowners and flood policy. I was shocked. This just couldn’t be right! We had two homes covered with Allstate with the same coverage on both homes. The second home was my mothers’, which we were able to keep rented since 2004 when my mom lost her long battle with cancer. We have kept this home as a source of income to pay my mom’s funeral expenses and additional medical expenses for my son. Luckily, the appropriate policies were all in place on this home, so I was confused when we found out our home was not covered. At this point, I asked my agent how this could have happened. He stated that he sent the windstorm policy invoice to me and to Countrywide. I quickly pointed out that Countrywide did not hold my escrow, Chase did. This was the first mistake. Furthermore, I never received an invoice. I have lived in Texas most of my life and am aware of the importance of insurance living on the Gulf Coast. I questioned my agent about where the invoices were sent, and I requested that copies of this invoice be faxed to me. After receiving the faxed copy of the invoice I immediately noticed that the invoice had the incorrect city and zip code for my home address. This was the agents’ second mistake. I quickly called my agent and explained that the invoice shows an incorrect address, so how could I have received the invoice? At this point, my agent simply stated “this is not our issue, you are not covered and you need to take this up with your mortgage company.” My agent basically washed his hands of the situation and left us frightened and desperate. To be perfectly honest, I was confused. I then pulled all of my past insurance statements and tried to backtrack to figure out what had happened. I noticed the last page of my homeowner’s policy stated that you cannot have an active homeowner’s policy if you do not maintain windstorm coverage. However, Allstate and my agent issued a homeowner’s policy and accepted the payment for this policy while allowing the windstorm policy to lapse. Again, I tried one last time to work this out with Allstate, and my agent reassured me that this was not an error made by their office, and that I needed to contact my mortgagor. I first contacted Chase on 9/08. I explained my situation and that Allstate claims that Chase did not make payment on the windstorm policy, only the homeowner’s policy. Chase insisted this was incorrect and informed me that the insurance policy had been paid and therefore any damages to my home were my financial responsibility. This statement did not make sense to me and I commented that since I was escrowed with Chase the windstorm policy should have been included. Again, Chase insisted “the policy” was paid. I then contacted my Allstate agent and informed him that Chase had, in fact, paid the policy. My agent again stated Chase only paid the homeowners, not the windstorm policy. By this time, three weeks had passed and I am only getting the run around from my insurance carrier and my mortgagor. So, I contacted Chase to ask for leniency on my payment date and Chase agreed. I composed a letter to Chase describing what had transpired, including that the windstorm policy had been mailed to Chase but, had not been paid. I faxed this letter and a copy of the windstorm invoice my agent faxed to me at my request. I faxed this to Chase three times a day for an entire week beginning on ___9/22____ and ending on ______9/26__ . The following week I received a letter from Chase stating that I would be charged for “their policy.” To be honest, I was a bit confused…but, relieved I would be getting help. I then found out that I would be charged nearly $6000.00 for a one year windstorm policy. But, that this would enable me to have windstorm coverage and I would be finally be able to begin repairs to my home. I received an additional letter this week. Now again, I am confused and I feel I am being taken advantage of. Chase has “tacked on” an additional $13,000.00 to my mortgage and my monthly payment has increased from $1500.00 to $2500.00 per month. I need to share a bit of personal history so you can better understand the situation I am in and that we are simply out of resources and options. We simply cannot afford the repairs on our home. We cannot afford this increase in our monthly mortgage payment, and Chase has indicated they will not release the insurance money for the repairs since we are behind on our mortgage, even though Chase granted us an extension on our monthly payments. My mother passed away in 2004 after more than 10 years of battling cancer. When my mom passed, I became my 12 year old twin brothers’ legal guardian and they moved into my home. My eighteen year old sister also moved in with us. Financially this was a great burden to us, but our first priority was taking care of family. So, in 2005 we needed a larger home and purchased the home we are currently in. Unfortunately, we were not as educated as we should have been and purchased this home with an ARM loan at our lenders suggestion. She assured us this was only offered to people with good credit and we believed this information. We put a down payment of $23,000.00 on this home, all the money we had saved in the hopes we would “get ahead” with a large down payment and we would have a home large enough for the entire family. We soon found out that the ARM was a very bad decision and our mortgage rate rose up to 10.5 % . In 2006, we found out we were pregnant! We were excited and this baby was a ray of sunshine coming our way. I am sad to say that soon after we found out that our son was suffering from “1/2 heart syndrome”, severe heart disease and 7 heart defects. After my son was born, I was unable to work, because he required 24-hour attention and care and we could not afford at home nurse care. I tried to file for unemployment to help with bills, but was denied because I was “physically able” to work. This financially handicapped our family and we had to get multiple loans to keep our household afloat. In 2007, I returned to work and we began re-building our finances and re-financed our mortgage as it was at 10.5% and we were barely making ends meet. When we re-financed we lost nearly $12,000.00 of equity? And now in 2008, we are fighting through the aftermath of Ike. The estimated cost for repairs is _85,000.00 We just cannot afford an attorney, but feel we are not being treated fairly by our mortgage company and possibly our insurance agent. We accept full responsibility for the mistake we made with our adjustable rate mortgage and have learned from that mistake. But we do not feel that the mistakes made by Chase and Allstate were our fault. We are currently in default on our home, and we are horrified at the possibility of losing our home. We are simply asking for help and direction to save our home so that we may rebuild it and our family.

by ami serrato From Dickinson, TX on December 17, 2008

BANK BAILOUTS BUT WHAT ABOUT THE REAL “AVERAGE JOE” ?????? THIS IS MY STORY OF WHAT IT IS LIKE TO BE THE “AVERAGE JOE.” To Whom It May Concern: I looked up on the BBB and I am just wondering HOW Chase Home Finance can get away with what they do? I read over 500 negative experiences that the "Average Joe" has gone thru with Chase. Everyday people that have had some bad "factors" in their lives, people that are truly middle class- assets to society. And the one thing that help them get thru the rough patches, going to their home at night... is being RIPPED out from underneath them. And whose to say the "life-factors" will soon subside and they will be able to make good with Chase or any home lender but it has already gone to far and is to late. You hear, the middle class, the middle class. We seem to be getting the short end of the stick - ALWAYS. We work hard, we stay off welfare, we don't ask for hand outs but when things get rough we get dropped. Does society want us to lose? Does the government want us to get on welfare and look for hand outs? Not be a contribution to this great society? I myself have gone thru some really rough "life-factors" and I am beside myself on what to do. I find myself ignored, alone and wondering if I give in and give up then maybe I can get on some food stamps and feed my family steak and shrimp from the grocery because Lord knows I can't afford to buy it now as the "Average Joe." Now the real reason I write. My home was hit by hurricane Ike. Here is my story. I need some help or guidance - PLEASE. I am not asking for handouts but just a dang break. I am writing to you in hopes that I can find some help for my family. We, like many others, suffered damage to our home during hurricane Ike, but because of mistakes made by our insurance carrier and our mortgage company, we are now in danger of losing our home to foreclosure. Our roof was damaged during the storm along with the sheetrock and carpet. We filed a claim with our insurance carrier, Allstate, the day after the hurricane and began cleaning and removing wet carpet and sheetrock to make our home as livable and safe as possible. Our son was born with seven distinct heart defects, so respiratory concerns, like mold, are a very serious situation for our son. We heard back from our insurance agent two weeks later notifying us that we would not be eligible for any type of coverage because we did not have a windstorm policy, only a standard homeowners and flood policy. I was shocked. This just couldn’t be right! We had two homes covered with Allstate with the same coverage on both homes. The second home was my mothers’, which we were able to keep rented since 2004 when my mom lost her long battle with cancer. We have kept this home as a source of income to pay my mom’s funeral expenses and additional medical expenses for my son. Luckily, the appropriate policies were all in place on this home, so I was confused when we found out our home was not covered. At this point, I asked my agent how this could have happened. He stated that he sent the windstorm policy invoice to me and to Countrywide. I quickly pointed out that Countrywide did not hold my escrow, Chase did. This was the first mistake. Furthermore, I never received an invoice. I have lived in Texas most of my life and am aware of the importance of insurance living on the Gulf Coast. I questioned my agent about where the invoices were sent, and I requested that copies of this invoice be faxed to me. After receiving the faxed copy of the invoice I immediately noticed that the invoice had the incorrect city and zip code for my home address. This was the agents’ second mistake. I quickly called my agent and explained that the invoice shows an incorrect address, so how could I have received the invoice? At this point, my agent simply stated “this is not our issue, you are not covered and you need to take this up with your mortgage company.” My agent basically washed his hands of the situation and left us frightened and desperate. To be perfectly honest, I was confused. I then pulled all of my past insurance statements and tried to backtrack to figure out what had happened. I noticed the last page of my homeowner’s policy stated that you cannot have an active homeowner’s policy if you do not maintain windstorm coverage. However, Allstate and my agent issued a homeowner’s policy and accepted the payment for this policy while allowing the windstorm policy to lapse. Again, I tried one last time to work this out with Allstate, and my agent reassured me that this was not an error made by their office, and that I needed to contact my mortgagor. I first contacted Chase on 9/08. I explained my situation and that Allstate claims that Chase did not make payment on the windstorm policy, only the homeowner’s policy. Chase insisted this was incorrect and informed me that the insurance policy had been paid and therefore any damages to my home were my financial responsibility. This statement did not make sense to me and I commented that since I was escrowed with Chase the windstorm policy should have been included. Again, Chase insisted “the policy” was paid. I then contacted my Allstate agent and informed him that Chase had, in fact, paid the policy. My agent again stated Chase only paid the homeowners, not the windstorm policy. By this time, three weeks had passed and I am only getting the run around from my insurance carrier and my mortgagor. So, I contacted Chase to ask for leniency on my payment date and Chase agreed. I composed a letter to Chase describing what had transpired, including that the windstorm policy had been mailed to Chase but, had not been paid. I faxed this letter and a copy of the windstorm invoice my agent faxed to me at my request. I faxed this to Chase three times a day for an entire week beginning on ___9/22____ and ending on ______9/26__ . The following week I received a letter from Chase stating that I would be charged for “their policy.” To be honest, I was a bit confused…but, relieved I would be getting help. I then found out that I would be charged nearly $6000.00 for a one year windstorm policy. But, that this would enable me to have windstorm coverage and I would be finally be able to begin repairs to my home. I received an additional letter this week. Now again, I am confused and I feel I am being taken advantage of. Chase has “tacked on” an additional $13,000.00 to my mortgage and my monthly payment has increased from $1500.00 to $2500.00 per month. I need to share a bit of personal history so you can better understand the situation I am in and that we are simply out of resources and options. We simply cannot afford the repairs on our home. We cannot afford this increase in our monthly mortgage payment, and Chase has indicated they will not release the insurance money for the repairs since we are behind on our mortgage, even though Chase granted us an extension on our monthly payments. My mother passed away in 2004 after more than 10 years of battling cancer. When my mom passed, I became my 12 year old twin brothers’ legal guardian and they moved into my home. My eighteen year old sister also moved in with us. Financially this was a great burden to us, but our first priority was taking care of family. So, in 2005 we needed a larger home and purchased the home we are currently in. Unfortunately, we were not as educated as we should have been and purchased this home with an ARM loan at our lenders suggestion. She assured us this was only offered to people with good credit and we believed this information. We put a down payment of $23,000.00 on this home, all the money we had saved in the hopes we would “get ahead” with a large down payment and we would have a home large enough for the entire family. We soon found out that the ARM was a very bad decision and our mortgage rate rose up to 10.5 % . In 2006, we found out we were pregnant! We were excited and this baby was a ray of sunshine coming our way. I am sad to say that soon after we found out that our son was suffering from “1/2 heart syndrome”, severe heart disease and 7 heart defects. After my son was born, I was unable to work, because he required 24-hour attention and care and we could not afford at home nurse care. I tried to file for unemployment to help with bills, but was denied because I was “physically able” to work. This financially handicapped our family and we had to get multiple loans to keep our household afloat. In 2007, I returned to work and we began re-building our finances and re-financed our mortgage as it was at 10.5% and we were barely making ends meet. When we re-financed we lost nearly $12,000.00 of equity? And now in 2008, we are fighting through the aftermath of Ike. The estimated cost for repairs is _85,000.00 We just cannot afford an attorney, but feel we are not being treated fairly by our mortgage company and possibly our insurance agent. We accept full responsibility for the mistake we made with our adjustable rate mortgage and have learned from that mistake. But we do not feel that the mistakes made by Chase and Allstate were our fault. We are currently in default on our home, and we are horrified at the possibility of losing our home. We are simply asking for help and direction to save our home so that we may rebuild it and our family.

by Fiday Onyeoziri From Brockton, MA on December 17, 2008

by Laady Pedraza From Chicago, IL on December 16, 2008

by Christine Wadsworth From Collinsville, OK on December 15, 2008

by joseph white From Levittown, NY on December 15, 2008

by Carlos capote From Hopatcong, NJ on December 12, 2008

by Anonymous From Clovis, CA on December 12, 2008

by andres briceno From Ocala, FL on December 12, 2008

by Anonymous From West Fargo, ND on December 10, 2008

When Chase assumed my loan there was a great amount of confusion with notices of non payment and I was making the payment but it was at an incorrect account number. It took them about 3 months to find the problem and rectify it. Once that was corrected, there were no problems

by Anonymous From Loveland, CO on December 09, 2008

Lies, Lies, Lies. They will say anything to get money out of you, without any follow-through on promises. Management agrees that they "really don't care about what their representitives say to customers."

by Anonymous From Knoxville, TN on December 08, 2008

by jeri johns From Seattle, WA on December 08, 2008

by ronna armstead From Wylie, TX on December 06, 2008

I looking to reduce my monthly payment if possible and to have the amount owed added to the end of my load. I didn't know if I had enough equity in my home to use for collectral for a loan. I will be finishing college in Aug 2009 with a degree in Healthcare Mgmt. I took out some payday loans to pay the 1st agreed amount with CHASE but it just made things worst.

by Mina Avery From Jacksonville, FL on December 05, 2008

by Philip Bowden From Sharpsburg, GA on December 05, 2008

by Anonymous From Atlanta, GA on December 04, 2008

I was injurd at work then my roof caved in and I had to pay out of pocket to have it repaird. Chase has been unwilling to help from the beginning. They told a hud counselor I had that I was approved for a loan modification and was awaiting an available counselor then their lawyers sent me a letter saying they were filing and ex parte order to lift the stay on my home. I think that was wrong.

by Anonymous From Miami, FL on December 03, 2008

by veronica popin From Neptune, NJ on December 03, 2008

by Crystal Rojas From Montgomery, IL on December 02, 2008

Up until now I have always made my payments and never asked for anything. You would hope to believe that when someone with good standings is asking for help that the banks would try to help. Instead they would rather let me and my 2 kids have no home. My mortgage is $2250 a month and that is everything I make in a month. I have to feed my kids and have transportation to work. I am not asking for a free ride just a short term fix until things get better. I offered to pay $1600 and put it on the market and try to sell it for what I owe but that wasn't good enough. What a shame it will cost Chase more to foreclose on my home than it would to adjust my payments until it sells.. What is wrong with that picture.

by fiordaliza labour From Davenport, FL on December 01, 2008

I HAVE ATTEMPTED TO PAY AND WOULD ALWAYS BE TOLD IF I AT LEAST PAY ONE MONTH WHILE IM 90 DAYS LATE I WOULD NOT BE FORECLOSED BUT NOW IM IN JEOPARDY WHEN I MADE THE 1 MONTH MORTGAGE JUST LAST MONTH AND THEY HAVE ALREADY TAKEN STEPS TO FORECLOSE MY HOME..PICTURES OF MY HOME HAVE BEEN TAKEN!

by fiordaliza labour From Davenport, FL on December 01, 2008

I HAVE ATTEMPTED TO PAY AND WOULD ALWAYS BE TOLD IF I AT LEAST PAY ONE MONTH WHILE IM 90 DAYS LATE I WOULD NOT BE FORECLOSED BUT NOW IM IN JEOPARDY WHEN I MADE THE 1 MONTH MORTGAGE JUST LAST MONTH AND THEY HAVE ALREADY TAKEN STEPS TO FORECLOSE MY HOME..PICTURES OF MY HOME HAVE BEEN TAKEN!

by James Jemison From Lake Elsinore, CA on December 01, 2008

by Fred Schlichter From Pleasant Plain, OH on November 30, 2008

by Anonymous From Fayetteville, NC on November 26, 2008

I have made every effort to get in contact with them to see about a short sale of the home and to get help any I could but I recieved the run around and in turn nothing has been resolved.

by Anonymous From Fayetteville, NC on November 26, 2008

by Tammy Keith From Magnolia, AR on November 25, 2008

They will not work with us! We have had an awful time with them...very uncooperative...

by Anonymous From Windber, PA on November 23, 2008

we did what they ask. from the beginning. now they keep telling us to call back in a week or so. then they say well we,ll try this now. call back again in a few weeks. now we are behind 4 mths. i should have sold my car right away. now they want a lump sum. they don,t care we have 2 daughters with us also.

by Melissa Copeland From Arlington, WA on November 21, 2008

They have not been helpful through our situation they have treated us rudely, this should have been resolved quicklly and it has not. They have our money and are threatening to take our house. I think they are rip offs.

by Anonymous From San Diego, CA on November 21, 2008

by Nedra Kurz From Brenham, TX on November 21, 2008

by LeRoy Morrow From Millville, NJ on November 20, 2008

I am 16 months past due on mortgage. Co-owner and myself have had a huge loss in income in the past 16 months. My business has had a loss in income in the past year. My son (co-owner), his son had surgery. Co-owner had a change in jobs. New job does not allow overtime. Work had to be done to the roof. Mortgage got so behind making it impossible to catch up the past due at the time. Was wondering if there was any programs out there to help get bac on track. due to the 700 billion dollar bail out program.

by Anonymous From Mcdonough, GA on November 18, 2008

can't get any help when i call

by Anonymous From Canton, TX on November 18, 2008

by Deborah Whetzel From Richmond, VA on November 17, 2008

Not very helpful with information on short sale.

by Anonymous From Springfield, OR on November 16, 2008

by Anonymous From Catawba, NC on November 13, 2008

by Tina House From Beaumont, TX on November 12, 2008

by Anonymous From Washburn, IL on November 11, 2008

by Gretchen Grufman From Amesbury, MA on November 11, 2008

No help though I've called and written about turning in the deed in lieu of foreclosure. I'm panicking now.

by Andrew Harris From Washington, DC on November 11, 2008

by Anonymous From Aurora, CO on November 10, 2008

by Anonymous From Harrisburg, PA on November 10, 2008

by bernice ray From Florissant, MO on November 09, 2008

VERY HARD TO WORK WITH...RUDE! They call and tell me there foreclosuing - monthly!i get different answers from each rep.

by Kimberly Fortune From Roseville, MI on November 08, 2008

by Anonymous From Woodbridge, VA on November 07, 2008

They say they want to help you with your modification but it's like they are not trying to help the financial burden.

by Kathy Maloy From Bradenton, FL on November 07, 2008

by mary heenehan From Albany, NY on November 06, 2008

by Anonymous From Lees Summit, MO on November 05, 2008

by luis morales From Kissimmee, FL on November 05, 2008

by Anonymous From Frankfort, IL on November 04, 2008

they were nice at first but now they are dragging their feet to help us. I had to contact the IL Atty General to get to the Resolution dept & now we are just having to start all over again. All equity is now sucked out of my home & I probablly owe more than its worth now.

by shaely ruiz From Modesto, CA on November 04, 2008

by Anonymous From New Milford, NJ on November 03, 2008

Watch out - CHASE IS HORRIBLE AND THEY WILL SCREW YOU OVER ANY WAY THEY CAN - They screwed us out of a mortgage the day before closing because THEY didn't do their homework and didn't notice the condo didn't meet their occupancy requirements - DO NOT GO WITH CHASE they will take your money and never pick up the phone to help you :(

by Sarah McKnight From Fairfield, PA on November 03, 2008

by Anonymous From Las Vegas, NV on November 02, 2008

by Anonymous From Anza, CA on October 31, 2008

by Frank Kostenko From Encino, CA on October 31, 2008

Costumer service is very rude, not willing to help at all. They kept transfering my call to voice mail, left several messages, I wrote several letters not reponse ever. worst bank ever.

by Anita Carr From Dublin, CA on October 31, 2008

The REFI thru HOME123 was fraudulent. They baited and switched. They put a fictitous amount of salary even when I provided them with my docs. They were not available when I tried to cancel the loan within the 3 days. The appraiser over inflated the home value etc. Then HOME 123 immediately sold the loan to JP Morgan Chase. I tried repeatedly, even before I got into trouble with my payments to work with JP Morgan Chase. They refused. That was in the fall of 2007. I contacted the CEOs office etc. NO help and they said so! I told them I owned the house 10 years and that they had held a mortgage in a previous refi and they should be able to see my good record. NADA.

by Angela Scarbrough From Trenton, GA on October 30, 2008

i called trying to work something out but every time i was transferred to a different department and told different information.

by steven baird From Acworth, GA on October 28, 2008

very difficult to comunicate with on the phone and they keep telling me theres nothing they can do . I live here as a single parent with a child about to graduate high school , with a great opportunity to proceed on to college and I need to keep him here aleast till he grduates .

by richard gladu From Inverness, FL on October 27, 2008

by michael holiday From La Porte, IN on October 25, 2008

i'm a christian man who will not be critical of chase home finance...but i would hope no one would ever get behind on their mortgage payments because they are wolves.......may Jesus be glorified, respectfully...Michael Holiday

by Janice Dove From Coldwater, MI on October 25, 2008

refusing to help people, i cant believe they want so many empty houses, dont they lose money on empty houses, they still have to pay taxes and insurance on these homes

by ronald ball From Gravette, AR on October 25, 2008

by ronnita robinson From Douglasville, GA on October 23, 2008

by Anonymous From Fort Worth, TX on October 23, 2008

by John Mahon From Marietta, GA on October 23, 2008

I call often to stay informed, I receive several different loan status all the time.

by John Mahon From Marietta, GA on October 23, 2008

I call often to stay informed, I receive several different loan status all the time.

by Krissy Redding From Graham, TX on October 22, 2008

by Anonymous From Panama City, FL on October 22, 2008

by Pamela Laber From Maineville, OH on October 21, 2008

by Anonymous From Linden, VA on October 21, 2008

They were of now help when I asked for a loan modification.

by Anonymous From Chicago, IL on October 19, 2008

by Anonymous From Bellevue, MI on October 19, 2008

by christine cintron-pecoraro From Shelton, CT on October 19, 2008

chase home finance

by godfrey mukasa From Cincinnati, OH on October 17, 2008

will not accept intrest payements

by Doris Young From Duncanville, TX on October 17, 2008

I was told I could refinance back to an FHA and found out this year that I could not because of cash out. Also, was told one interest rate and at closing found out a different rate.

by Craig Bautista From Ellensburg, WA on October 15, 2008

by Scott Smith From Brookwood, AL on October 15, 2008

by Jennifer Owens From Campbellsville, KY on October 14, 2008

by Robert Bowen From Logan, UT on October 14, 2008

by john garrett From Westland, MI on October 14, 2008

by Garret Jorewicz From Portland, OR on October 11, 2008

It was the worst experience!!!!!

by Anonymous From El Paso, TX on October 11, 2008

by SUSAN VELEZ From Levittown, PA on October 09, 2008

I have had no problems with the lender. I just can't afford my payments any longer.

by Anonymous From Joliet, IL on October 09, 2008

They give you their options! They don't ask for your options....I as the customer wouldn't be behind if it wasn't only about them..and their own options.

by lillian davis From Miccosukee Cpo, FL on October 09, 2008

by Anonymous From Miami, FL on October 09, 2008

by Beth Adkins From Corunna, MI on October 09, 2008

by John Brinker From Lutz, FL on October 08, 2008

After readiing all the complaints, my 2 hour conversation with Chase's rep's Stephanie and Jackelyun, confirmed some of the complaints I read about. I should have never gone through with my refi last year but basically had not choice as I was in an ARM that was coming due.

by Anonymous From Charlotte, NC on October 07, 2008

by Anonymous From Chester, VA on October 07, 2008

by Anonymous From Chester, VA on October 07, 2008

by Aaron Kidwell From Indianapolis, IN on October 07, 2008

by Anonymous From Cumberland, MD on October 07, 2008

by Anonymous From Rutherford, NJ on October 06, 2008

don't want to help you out,won't listen,collectors are rude and treating.

by frank higgins From Carson, CA on October 03, 2008

by pitchforksandlanterns From Minneapolis, MN on October 01, 2008

Be careful who you do business with. You might be funding home grown corporate terrorist. Think about it very carefully before you use this bank for loans, credit cards or lending. Why build them stronger by using them. If they where funding the aborting of 1 year old babies would you still use them even though you pay off the credit card balance at the end of the month? They are doing bad business and have been since they have been in business. I almost lost my house to them last year due to their misleading and abusive lending practices. It took me 12 weeks, the Attorney General, The OCC and about 20 people inside the company of JP Morgan Chase along with my own family members and friends listening in on the phone conversations, to finally stop the sale. I sent a certified letter to the CEO and CFO of Chase. A call came to me the next day from the Office of the CEO saying that they are ready to get this confusion resolved. We Sent a certified check in the amount of almost $9,000.00 to the place they instructed and Guess what????Yes, they lost it for about a week and a half even Though somebody from their office by the name of John signed it. I am still stuck with this lender and it's devastating that I have no choice but to keep them as my lender at this point in life. This business deserves to be condemed. Below are some forums and past and present history of the JP Morgan empire. CHASE: to run after (usually with hostile intent; chase, put to flight, follow (after, on), hunt. To persecute, harass, be chased away as game flying enemy, in war; desire to obtain, as pleasure, profit, fame, &c. earnest seeking. A Little History: Chase Bank in Nazi-occupied Paris after Pearl Harbor was doing millions of dollars' worth of business with the enemy with the full knowledge of the head office in Manhattan? Gold that had been looted from the national banks of Austria, Holland, Belgium, and Czechoslovakia, or melted down from the Reichsbank holdings of the teeth fillings, spectacle frames, cigarette? cases and lighters, and wedding rings of the murdered Jews. http://coat.ncf.ca/our_magazine/links/53/morgan.html More History: They supported the Nazis in a HUGE way. In fact they channeled more money from US-based corporations to Nazi funding than anyone else. ENRON SCANDAL: SEC Charges J.P. Morgan Chase In Connection With Enron's Accounting Fraud J.P. Morgan Chase Simultaneously Settles Charges for $135 Million The Securities and Exchange Commission ('Commission') today charged J.P. Morgan Chase & Co. with aiding and abetting Enron Corp.'s securities fraud. The Commission's complaint, filed in U.S. District Court in Houston, alleges that J.P. Morgan Chase aided and abetted Enron's manipulation of its reported financial results through a series of complex structured finance transactions, called 'prepays,' over a period of several years preceding Enron's bankruptcy. These transactions were used by Enron to report loans from J.P. Morgan Chase as cash from operating activities. The structural complexity of these transactions had no business purpose aside from masking the fact that, in substance, they were loans from J.P. Morgan Chase to Enron. Between December 1997 and September 2001, J.P. Morgan Chase effectively loaned Enron a total of approximately $2.6 billion in the form of seven such transactions. http://www.sec.gov/litigation/litreleases/lr18252.htm J.P. Morgan Chase & Co. agreed to pay $2.2 billion to settle a class-action lawsuit alleging the bank helped Enron Corp. report misleading financial results, the latest fallout from the accounting scandals of the late 1990s. Chase became the second major investment bank in less than a week to resolve claims over the demise of the Houston energy firm. Regulators and plaintiff lawyers accused Chase of funneling $2.6 billion to Enron in the form of disguised loans between 1997 and 2001. By not acknowledging the payments as debt, Enron made its books look better. BUT TO THIS DAY THEY CONTINUE TO DO BUSINESS AS USUAL? COMPLAINTS: http://www.afscanhelp.com/companies/mortgage-companies/chase-home.cfm A Victims video http://www.youtube.com/watch?v=ZHRRQapXXZw&feature=related

by Anonymous From Rochester, MN on September 30, 2008

I tried to work with them I was always for about 6 months behind one month payment so I called and asked if they could just defer on payment and put it at the end of my pay off and they said no then I asked if I could refinance and they said you have to be current. Then I was told to just save my money and see if we could work out a modification plan and that did not work they asked for more than I could save to save my house I am now looking at possiable foreclosure. The people that work in customer service or what ever they call it are very rude and not helpfull at all they come across as not knowing anything that can help you and they do not find any one to help you. They charged me for insurance on my home saying I did not have any and I sent them the proff and they never gave me back the money or took it off my payment to make it less, this is one of the reason's I got behind in the first place. They do not give straight answeres they give you the run around. Not happy with them at all I have had my home for 18 years and never had as much problems as I have had in the last 5 years after Chase Bank took my loan.

by Anonymous From Lindale, TX on September 29, 2008

by Anonymous From Woodbridge, VA on September 29, 2008

by Anonymous From Galena, MO on September 26, 2008

by Anonymous From Camas, WA on September 25, 2008

We have been pushed around by them for well over five months, and treated rudely by all we have contacted. They made us even later than we were on our payments only to find they did nothing to help. We have found them to be very dishonest.

by TRAVIS THOMASON From Cartersville, GA on September 24, 2008

by Jenny Whitsett From South River, NJ on September 23, 2008

by Anonymous From Baltimore, MD on September 22, 2008

by Anonymous From Chagrin Falls, OH on September 21, 2008

by tony baylor From Philadelphia, PA on September 20, 2008

by robert n christine hummel From Lebanon, PA on September 19, 2008

by Anonymous From Forsyth, GA on September 18, 2008

by Anonymous From Mount Pleasant, SC on September 17, 2008

EVER TIME I SEND A PRINCIPAL PAYMENT TO CHASE I GET A STATMENT BACK FUNDS SUSPEND THEN I HAVE TO CALL THEM AND TELL THEM WHERE TO PUT MY MONEY EVEN THOU I SEND A PRINCIPAL PAPER WITH THE PAYMENT ,THERE ANSWER TO ME IS THE MACHINE DOES NOT READ ODD AMOUNTS DOES A HUMAN OPEN THE MAIL THEY HAVE MY MONEY IN LIMBO FOR A COUPLE OF WEEKS BEFORE THEY POST IT TO MY ACCOUNT

by kwaku mensah From Bristow, VA on September 17, 2008

i been with them for a while and i pay my mortgage on time but due to circumstance i been asking them to reduce my rate so that i can make payment on time but they don't want to help.

by Anonymous From Cortez, CO on September 15, 2008

Continued to call for any help and was never given any even after months of asking.

by ANDREA Hill From Atlanta, GA on September 15, 2008

by Mark Green Orlando Florida From Orlando, FL on September 13, 2008

We have been charged late fees when the payments are not late, we were asked to sign modification paperwork stating that our loan was in default and it was not and we have made ALL of our payments. The customer service peope are rude and just keep pushing us along with all kinds of excuses. We have had it. They held our payments within their modificaiton department to make it appear that we had not made our payments while we were waiting for their approval on a modification. This company is dishonest and is scamming the American public.

by david brandly From Southgate, MI on September 13, 2008

by Veronica Cook From West Columbia, SC on September 12, 2008

by Anonymous From Fresno, TX on September 11, 2008

The collection dept. is horrible and there is no one to talk to in person if you need to speak to someone.

by Anonymous From Puyallup, WA on September 09, 2008

by Anonymous From Kingsbury, TX on September 09, 2008

by Joyce Castellucci From North Brunswick, NJ on September 09, 2008

you cant work with them no ands if or buts

by Anonymous From Cumming, IA on September 08, 2008

No follow through, people don't seem to care, unwilling to provide options. Originally set us up with a payment plan that we could not begin to pay, so turned to Chapter 13 as our only alternative. We are in a better spot now financially, have equity in our home and want to stay. Chase treated us as a number.

by Ranford Herman From Atlanta, GA on September 08, 2008

we had had a previous worked out with them but shortly after I'd lose my second job, so I am quite scured at this time. I don't know if they would give me a scond chance here!

by Amanda Rutan From Bothell, WA on September 04, 2008

by Anonymous From Hamilton, GA on September 04, 2008

by Anonymous From Muskego, WI on September 04, 2008

Probably like most banks...thieves, liars, bastard SOB's and so on.

by Tina Miller From Toughkenamon, PA on September 03, 2008

by Nellie Hardy From Conley, GA on September 03, 2008

by Anonymous From Jonesboro, GA on September 02, 2008

by Andrea MAyo From Plano, TX on September 01, 2008

by liberatingspirit From Minneapolis, MN on August 30, 2008

I've been fighting for almost 2 years to keep my house. 2 times it's been in litigation. The first time in litigation was like being in the Twilight Zone. I had the finances to pay up this terroristic lender but about 15 people. supervisors and bean counters, mislead me for 12 weeks. I recoded all conversations along with having the phone monitored by 2 other people I had listen in. They are abusing their clients and this is very clear. I contacted My Attorney General and filed a complaint to investigate the situation. I also contacted the OCC and file a complaint with them also. I had a couple of members of the family who work for City Group tell me Chases litigation department was doing illegal acts according to the law so my family members got the name, number and address to the CEO and CFO office of chase and had a personal certified letter sent over night to the big dogs with a threat to take this to the media and fight at all cost to protect ourselves from what we believe to be misreprensentation. I got a call the next day from the office of the CEO saying we need to take care of this right away. Attorney General got the sheriff sell postponed for another month while the OCC was giving Chase a very short time to respond to our complaint. Long story short..We had victory over the deception of the enemy due to much prayer and much wisdom.I came fighting with the Calvary and not alone. It shouldn't take this much trouble to get the truth of our options to save our house. ! year later my house when into litigation again and they started with the same time wasting, misleading crud again so I reminded the bean counter on the other line about how I understand the process very clear and demanded they give me the information i was asking for or I will file another complaint with the OCC and my Attorney General. The bean counter working for Chase gave me her name to put on the complaint and we hung up. 2 days later we had a Fedex letter come to our door from Chase with the new monthly payment plan that had our delinquent amount of $7000.00 rolled into the monthly mortgage payments for the next 12 months. They did it right! WOW Did they see that We would fight them at all cost and never give up just like the last year. We don't need lawyers for this.The OCC is free and the Attorney General is free. Pleas file a complaint with these Regulators. They will not make a big issue out of this until there is a high volume of complaints flooding there office. I advise you all to flood the media,OCC, Attorney Generals office and state Reps office with your complaint stating that we want justice and will not leave you alone until you start addressing this lender abuse.You guys can win if you keep diligent. May God be your defender and may Chase be repaid in the same measure it has measured out. I want them out of business...So be it.

by heather clements From New Iberia, LA on August 27, 2008

by Darren Poston From Midland, TX on August 27, 2008

When asked to rework our mortgage into a longer term with a higher rate to lower the payment to a more affordable one, their response was "Due to your payment history with us, we can't help you". We were 30 days late once or twice in 4 years, but frequently 15-29 days late and paid ALL of the late fees they charge with each payment. In other words they have told us - "we like the extra $$$ we get from you being late a lot and it looks like we might be taking your home from you soon anyway so either way is a win win for Chase - sorry". Also, as others have said their customer service is terrible and that's an understatement! By the way, Chase bought the note from my original mortgage lender. If Chase buys your note, refinance it through someone else as soon as you can!

by charles wills From Flushing, NY on August 27, 2008

I have not fallen behind yet, but they are not to helpfulthey want me to take another arm

by David Lamberson From San Marcos, CA on August 26, 2008

I have been in forclosure since June 2008. I have sent three requests via fax to various (Jason Campbell, Jennifer Hood etc...) agents that call saying they want to help me and my family of five remain in our house. My realtor has been helping talk with them and a new person came back today and told her that we still had not sent in a complete request? I have fax confirmations for everything. I am going to send a letter to every damn Senator alive, HUD, the Attorney General etc. This is ridiculous. I am about to give up an short sale and pray that I do not have to go through bankrupcy to clear everything. I am furious and frustrated. I have had some nice people on the phone but I have also had many many many *#@##@holes. I am to the point that I will not answer the phone anymore because I get false promises of hope and requests for more requests for data just to push me closer to the Trustee Sale date. I WILL NEVER DO BUSINESS WITH THIS BANK AGAIN...EVER! Anyone know of a good Class Action against them yet.

by ESMERALDA PADGETT From Tampa, FL on August 26, 2008

DO NOT WANT TO TAKE THE TIME TO TALK TO THEIR CUSTOMERS,THEY ARE RUDE AND NASTY MAKE YOU FEEL WORTHLESS

by john woolsey From Runnells, IA on August 26, 2008

Two different offices are contacting me, one guy is very threatening and demanding he apparently is in charge over the loan and will determine when it may be foreclosed on. Next month he has demanded a double payment which he knows we cannot afford.

by Anonymous From Tampa, FL on August 25, 2008

by Anonymous From Houston, TX on August 25, 2008

They do not provide you with the service you need to stay current and they will not give you the help you need if your account is not current.

by Daniel A Messano From Augusta, GA on August 24, 2008

I am in a chapter 13. I recently fell behind on one months payment due to some unforeseen money problems. I am aware there is a ten day (from the date of their bankruptcy attornys letter)right to cure the default and knew i would have no problem taking care of it in time. Chase has a DeptG7-PP that handles all payments from their customers in bankruptcy. Problem is they have two different addresses for this same DeptG7-PP. I mistakenly sent the payment to the PO box not the street address. The payment arrived three days before the cutoff time according to the Post Office but apparently the two sections of the same DeptG7-PP do not work together because they did not send it to the other section until three days later, which made My payment one day late! I received a letter for a stay of relief motion from Chase,s attorneys to start foreclosure proceedings. They are holding on to the two payments I sent after that and instead of being 1 month late, I will now be three months late. I cannot get angry at the customer reps as they are only doing their jobs. Just at Chase's Policies for the way they treat their customers. No slack whatsoever!

by Anonymous From District Heights, MD on August 21, 2008

Well, I feel as though I was mislead or not made aware that my escrow was not included in the mortgage. I had no idea that this was not the case. I have been trying to work something out with them and nothing has been confirmed. To my understanding I thought this was included and this is where my problem starts.

by Kristin Johnson From Mansfield, TX on August 19, 2008

Chase is in over its head!

by MICHAEL MCKEE From Shermans Dale, PA on August 18, 2008

by Anonymous From Opa Locka, FL on August 17, 2008

by misty robinson From Boynton Beach, FL on August 15, 2008

by Anonymous From Alpena, MI on August 15, 2008

by Anonymous From Green Bay, WI on August 14, 2008

by Anonymous From Orlando, FL on August 12, 2008

They would not help at all during a rough time.

by Josh Susser From San Diego, CA on August 12, 2008

by Shawnese Laury From Detroit, MI on August 11, 2008

They say that they will help home owners who are having problems making their payments, but the reality is they have no help for you.

by john dixon From Glen Burnie, MD on August 10, 2008

by stephane parker From Byron, GA on August 06, 2008

by James Munyon From Newport, NJ on August 06, 2008

they say the want to help untill you are in danger then they make exscusses.

by Anonymous From Wilson, NC on August 01, 2008

by Lewis Cottrell Jr From Allen Park, MI on August 01, 2008

chase will not work outy anything because they say that as long as im in a chapter 13 bankruptcy they cannot help

by DAVID WEITZER From New Berlin, WI on August 01, 2008

by Anonymous From Zion, IL on August 01, 2008

by Marlene Geary From South Glastonbury, CT on August 01, 2008

I was paying my mortgage back when the foreclosure was declared, but the computer rejected the payments and put the money in escrow, because they amounts didn't match the precise payment amount. So, Chase filed for foreclosure.

by Linda Guthrie From Greenville, SC on July 30, 2008

by Segundo Velez From Peekskill, NY on July 30, 2008

by travis meehan From Saugerties, NY on July 29, 2008

by Esther Erwin From Armagh, PA on July 29, 2008

We are with Chase Home Finance. They set up a repayment plan for us to be able to catch up the first two months payments we were unable to pay. However, I didn't trust them to talk to them first about this mortgage modification. I did just get a letter from them saying that if I didn't have July's payment in there by Aug.5th they were going to immediately refer this account to the Foreclosure Department. "This is the FINAL extension.

by Anonymous From Wurtsboro, NY on July 28, 2008

AT FIRST THE PEOPLE AT CHASE WERE VERY MEAN THEY DIDN'T RETURN PHONE CALLS AND TOLD ME I DIDN'T RETURN THERE AND PUT ME INTO FORECLOSURE BEFORE I NEW IT. MY PAYMENTS WENT FROM $1800 TO $2600 FOR SIX MONTHS. THE LADY THAT I'M WORKING WITH NW IS VERY NICE AND HELPS ME OUT A GREAT DEAL. THE ONE THING I CAN'T UNDERSTAND IS THAT IF I HAVE TWO LOANS WITH CHASE AVERAGING AROUND $25OO AND NOW IN FORECLOSURE ITS $3100 IF IT WAS HARD FOR ME BEFORE HOW DO THEY THINK IT IS FOR ME NOW. IT HAS TO BE A BETTER WAY EVERYTHING IS GOING UP BUT MY PAYCHECK REMAINS THE SAME. HARDTIMES ARE HARDTIMES BUT CHASE HAS MADE IT RIDICULOUS I AM GRATEFUL TO NOW HAVE AN CHASE AGENT WHO GIVES A DAMN. BECAUSE THE OTHER ONES THAT DESIGNED MY FORECLOSURE AGREEMENT DIDN'T GIVE A SHIT. I HOPE ONE DAY THEY FIND OUT HOW IT FEELS TO WORK SO HARD THAT YOU AND CAN'T EVEN BREATHE BECAUSE YOU SCARED THAT SOMEONE WILL STEAL YOUR AIR FROM YOU.

by Anonymous From Warren, MI on July 28, 2008

Chase could care less about you going in foreclosure. The lender did not provide enough information on taxes in escrow and the amount they would increase after the first year. In my case, P.M.I. with current taxes created a $650.00 monthly increase. My initial morgage was $1240.00 making my payments $1890.00