Complain about a product or service

Chase Mortgage

Steve of Lagrande OR (01/05/09)
Without my knowledge they took three consecutive mortgage payments and applied them to property taxes of which I was less than two years in arrears. They never informed me of this and counted all these payments as late. Once I finally discovered what was happening I made arrangements to make several double payments to catch up which I made as arranged. No matter how much I sent them, it was never enough to become current.

Every time I called them they quoted me different amounts. One person would tell me I was completely current and the two weeks later they would call and tell me I was three months late. This went on for over a year when I decided to sell the house at a bargain price just to get them of my back.

My wife and I were very upset about this for over a year. Our credit is very much damaged and we would have liked to keep that house. I thought about pursuing legal action against these crooks but it is all over with now and I just wanted to let other people learn from my experience. Do not do business with Chase Mortgage.

Robert of Walla Walla WA (01/04/09)
Chase purchased our 1st & 2nd mortgages about 6 months after our original loans were made. It was the third transfer of our mortgage. our intrest rate was 6.125 on a 2yr. ARM. with a total very managable payment of $932mo. on $140k. We knew that we needed to lock in a rate or refinance before it went adjustable but we were always denied for debt to income ratios. Feb. 2007 I got injured at work and went on Labor & Industries for several months at 62% of my income. Our mortgage had started adjusting in Jan. 2007 and moved sharply higher every 3 months until the interest rate was 10.125% and our payment was just above $1600mo.. We made it the rest of 2007 by not paying anything(credit cards, loans etc.) but our mortgage and borrowing money from family.

Dec. 2007 Chase offers us a deal to lower our payment and get out of the ARM loan that had financialy destroyed us. They called it a loan modification we excepted the offer in desperation to do anything. The offer was for 9.125 with a payment of $1462mo. but in despiration you will do anything and we signed the paper work. Shortly after signing(Feb. 2008) they sent us a notice transfering our 2nd mortgage to Dyck O'Neal a collection company. They sold off what would have been their loss if the house foreclosed and set us up with another payment we could not afford. Chase took advantage of our situation and even exploited another company to take the loss after setting us up with a loan we could not afford to pay.

Unbelievable stress. Along with all our other creditors that we had to stop paying now wanting their money(judgement, potential wage garnishment etc.), not to mention our credit being totally destroyed and Bankruptcy looming in our near future. I thought buying your first home was going to be a good experience. LOL!!!

Michelle of Hamilton NJ (12/27/08)
I an writing to see if I can get any help with this company. We refinace our home in 2005. At this time we were not informed that we were getting into an adjustable rate mortgage. The truth and lending statement says we were to make a fixed monthly payment for the life of the mortgage at 7.5%. Months later we recieved a letter stating that the rate will be adjusting. Going back to our original paper work, I found that we did sign for an adjustable rate mortgage and that it could go up as high as 16%. Now my husband started to experience layoffs. He works for a union and has had work speratically for the past 3 years.

We fell behind on our payments. They had started foreclousre process. I contacted them and started remodification on the loan. In January of 2008 Chase did come up with a loan modification requesting a down payment of over 10,000 We did not have this. I went back to them again, they said they would work out a new modification. I faxed all requested paperwork at this time. Waited for a month. Did not hear back from them. Called and they said they never recieved anything. I did this again. Waited a few more months. I Call in June. They said they never recieved anything. Frustrated, I contacted a company call Apply2Save. Chase was also charging us a rate of 9.5 through out this process. The longer they belayed the modification, the more money I owned them.

They claimed that they would be able to help with this process (for a substancale fee). When I sent all my paper work to them, I had stated that we would only have a certain amount of money for a down payment. Chase finally sent a modification in Octobe of 2008 that had a smaller down payment, but still one we could not afford. We live paycheck to paycheck, there is very little left for savings.I went back to Apply2save to see if they would be able to get the down payment lower. They said that they would look into it. Another month went by. Still no word from them.

The person I talked to in October did nothing and did not contact me again.I called apply2save, got another person, they contacted Chase, they sent out the same modifcation. Chase then contacted me to tell me that they were proceeding with foreclosure. If I was told that this was the only thing that Chase was willing to do, I would have borrowed the money. Now, Apply2save are suppose to be in negotiating with Chase again on a forbearence agreement. This is still going on 2 weeks. I have left voice mails and e-mails. Still no response yet.

I feel I was a victim of prediporty lending when we signed the original loan. Now I feel that because someone at appy2save did not contact me about the new remodification, I am still in jeopardy of loosing my home. We can make a mortgage payment that is FAIR. Any help would be greatly appreciated. Any other information I can provide, please let me know. Thanks in advance.

Alice of Du Quoin IL (12/21/08)
We took out a mortgage with Advanta that included a free death and disability insurance policy as part of the laon. A few years later Chase bought all of Advanta's mortgages. We were told that everything would remain the same with our loan other than who we made our payments to. Several years later my husband was diagnosed with terminal brain cancer. Chase claims that they do not honor the original agreement that included death and diabity insurance. At first they admitted to me on the phone that we once had the insurance but when I inquired about more specific information they claim they can not find any paperwork on the insurance company. I sent a letter to Chase with a $10 money order requesting a copy of the original closing documents with Advanta that included the insurance policy info.

They mailed a letter back claiming that they could not find anything. I find this very hard to believe since the first time I called and inquired about the insurance the agent at Chase was able to tell me we once had it but no longer do. Then after I complained about Chase not honoring the original agreement all information about the insurance company misteriously disappeared. Advanta was a very large mortgage company and they gave this free insurance coverage as incentive on many if not all of thier mortgages, so I would assume that there would be some kind of record as to the insurance information. I would also assume that we are not the only costumers that were denied coverage due to the merge/aquisition of Advanda by Chase.

Home went into foreclosure.

Glenda of Ontario CA (12/21/08)
I had a chase Mastercard since 2002 with a credit limit of 18,500.00 I have never been late as I have never been late with any creditor. So I went on vacation and used my card for cash and came home to get ready to shop for Christmas so I sent Chase a payment of about 15k and I only owed them about 13k so I sent over because I was also going to use it for my christmas shopping. So when I called to make sure it was all clear with a credit balance for me. I noticed it would never say my available credit so I got a live operator who told me that they had closed my account because I had spent too much money and had too many inquiries. I was stunned first of all every since I have had that card I take large amounts and pay them right off. they have a 6 year history of this action. The inquiries is no reason for them to cancel my accoutn either.

Because I explained to them the 3 or 4 inquiries which was all through GE money bank who finances all kind of things to do with health. I ordered a water machine which is alkaling for $1991.00 with a promo of 12 months no interest no payments. Also I had a surgery done and I opened a paypal mastercard. The first one was paid off in about 4 months and closed. The paypal account same thing paid off and closed and the surgery was just done in november which is 4k 12 months no interest no payments. So whne that happens I like to take advantage of it. So the next thing I asked them after explaining about the inquiries was could they send me my credit balance refundd of $1400,00 this was on 12-5-08. The supervisor told me yea and I would have it in 7 to 10 business days.

Today is 12-212-08 and I still don't have and just found out that they just sent it out on 12-19-08. What liars. Then after all of that I got a letter from them saying they would be happy to research my concerns to please send them a copy of my credit report which I did and they still said No. What terrible customer service and how dare them when in times like this people are losing their homes at a record rate and could care less about their credit. In my case I still have never missed a payment on anything. And they are trying to destroy my name and credit history.

I thinks this calls for a class action law suit. Because if they done me like that they have done the same thing to other good customers.Also they destroyed my financial plan for the Christmas season. They of course lowered my credit score dramatically and all of this was for no reason at all and they have held my money for over 3 weeks before sending it out and i Still dont have it.They treated me like I was no more than a common criminal. they told me my payment was suspicious. What an insult to injury. All we have to do is summons my history I always pay them off and most of the time it's over because I know I will be using that card again .

It shoujld be law againts how they treated me. It has caused me severe emotional stress and physical. You work hard to keep your name and credit honorable to be stabbed in the heart by the company you patronized the most.It has caused severe damage. Whenever a creditor closes your accoutn it has a terrible impact on your score. And there goes my long credit history in one day. Because of a terrible. decision. Please help me expose them for all the damage they have done im my life and all the emotional and financial stress for this unwarranted impulsive no warning decision they made. Thanks for your time

Lyn of Chardon OH (12/20/08)
I am now working with the Attorney General of Ohio on a predatory loan case, they are furious that no attorney will handle my case, they can't believe it, because any attorney can stand to make quite a bit of money off my case 60/40. I was approved under someone elses Social and with no loan application. My local congressman is standing behind me 100% and I have to call them daily with updates on who is helping me and who isn't, which they note and pass on to the Senate.

Chase approved me on someone elses salary and are proceeding with foreclosure, according to them it's not their fault. The Attorney General of Ohio is FURIOUS with them and is pursuing this to the highest extent, even giving me names of (BIG) attorney's who aren't AFRAID to go after Chase. Every Attorney I contacted is too scared or too little to go after them (CHASE). The next step is the Comptroller of the Currency.

The A. G. said that Chase has no option but to for go the debt, or to do a BIG modification(It will have to be one I can afford). Under the S.B. 150 bill, I'm covered since my loan happened in 2007.

My mortgage payment is higher than my monthly salary, therefore I defaulted on my mortgage, plus I was so stressed that I got put in the hospital with pneumonia which resulted in Thoracic Lung Surgery.

Steve of Lawrence NY (12/17/08)
Very rude, inconsiderable, unproffessional, thinks he runs chase bank and all desision making is him only, I have asked to be transfered to his supervisor and no-one would do that and I would always and up with him again picking up the phone.

can not finalize on the issue of a fraud, misreprezantation, mortgage

Anne of St. Louios MO (12/15/08)
They are the worse company that we ever have done business with. You deal with over 20+ so called customer representatives and each one of them have differences of opinions and never give out the correct answers. They are a company that also charges for being late as they need the money now to purchase other banks, mortage companies and since their envelpes do not have a post mark date and/stamp date of them, who knows when they mailed same. Report them to any agency you want and you still do not come out ahead.

Their complaints are always the same as they never fulfill what they say in their letters as we offer the highest degee of satisfied customer service, yet they have failed and continue to fail in that area as they are only interest in obtaining monies from their customers and they do not care how they are going to get that cash flow. Just wasting my personal time and postage and searching all the time for their errors. Constulting with an attorney.

Anne of St. Louios MO (12/15/08)
thye are the worse company that we ever have done business with. You deal with over 20+ so called customer representatives and each one of them have differences of opinions and never give out the correct answers. They are a company that also charges for being late as they need the money now to purchase other banks, mortage companies and since their envelpes do not have a post mark date and/stamp date of them, who knows when they mailed same. Report them to any agency you want and you still do not come out ahead.

You cannot let this low line company get to anyone as they ove harassing you. Their complaints are always the same as they never fulfill what they say in their letters as we offer the highest degee of satisfied customer service, yet they have failed and continue to fail in that area as they are only interest in obtaining monies from their customers and they do not care how they are going to get that cash flow.

Just wasting my personal time and postage and searching all the time for their errors. Constulting with an attorney.

Heidi of Pasadena CA (12/05/08)
The mortgage broker contacted us stating he could get beat our current loan. After getting our information and credit scores, he said he found a loan of 5.2% on a fixed 30 year loan. When the notary came to our house, the rates were changed. We tried to cancel within the 3 day period but they kept giving us assurances that it would be fixed or bridged to the correct amount. Most importantly, they added about $20,000 in charges without our consent on the loan.

We have been trying for almost a year to get this fixed and they say it was their fault and they would clear everything up by getting us the correct rate and paying us back for the over charges. It has been almost 1 year and all we get is broken promises. They send us corrected papers but we always catch mistakes and turn them down which upsets them. After researching on the internet, it appears this company has done this scam on many people. They have the same MO - changing agreed upon rates at the last minute (you only realise after the notary comes to your house) and adding costs to the paperwork without an owners consent. This is the definition of predatory lending. We want to take any option available to us including legal action.

We have been paying over $1000 more per month for our mortgage because of the switching of interest rates. They also added about $20,000 on our mortgage without our consent. I estimate we have lost $32,000 to date and every month it increases by more.

Mark of Cumming GA (12/05/08)
Despite every effort to bring the payments current, I found myself in the mist of financial hardship that is unavoidable at this time. I have written, pleaded, and begged for sixty days to vacate the property to find a new place of dwelling. Of course, I was denied this request and was only given ten days to vacate. I don't think that it would have made a difference to allow me sixy days, until after the holidays. I have dealt with heartless letters and conversations, and saying that they are immune to the excuses, when in fact these excuses? are the truth.

Loss of a house in the middle of the holiday season when in fact it could have waited until the first of the year.

Donna of Hopewell Junction NY (12/05/08)
I called in my motgage payment , as I have done for many years and I was told that I qualify for a lower interest rate. I owe 112,000.00 on my home and am paying over 8% . I spoke with Todd C. who said they can give me a 6% interest rate. My monthly payment was supposed to go down significantly, which would have helped alot. Anyway, I was then told that the second mortgage on the home nedded to be paid off too. I was fine with that and understand completely. So then that was 8500, which would still have lowered my bills significantly (more). I pay 320.00 a month on that one. Once I agreed I was called again. They said I needed to put what I owed on my automobile on 14,000.00. I agreed.

Then, I was called and told that an 8,000.00 credit card I had needed to go on the house. I was reluctant but agreed as I would still be looking at saving close to 800.00 a month by combining my bills. I need to mention here that i did not give them an application fee until the application came back from underwriting. I was clear about the fact that i could not afford 400.00 application fee. Once it came back from underwriting i was told I was approved and that all they needed was the 400.00 and within 2 weeks I would close. I gave them the money.

Within 2 days I was called and they told me that they had to put another 42,000.00 on the house. You see 2 yrs ago we had a major flood. I was given a federal assistance loan to repair my house at 2.4% interest rate. I spoke with the lawyer from underwriting about this and he asked if I would be including this. I explained that it wouldnt be a good idea given the interest rate and he agreed and said it was fine. So now the original 112,000 had been blown up to 200,000.00 This i would not agree too. They denied me the loan because they said i needed to include the fed monies too.

I asked for my 400.00 back and was told its non refundable. The agreement at the time of my paying them was a loan for 161,000.00. They changed the loan amount and were forcing me to get a loan of 200,000.00 or nothing and then denied my refund. I called and called and called without any return calls. I even spoke with the supervisor who told me he would speak to Todd C. and see if there were any other loans I could get to help. Needless to say I never heard back. I have been calling them for 3 weeks once a day and nothing. Y

esterday I received my denial letter which read reason for denial outstanding credit consitions associated with this loan have not been met. I feel like i was scammed out of 400.00. This is a horrible thing for someone to do to a valued customer. I had my original home loan (1st home) with them and then have had my current home loan with them for 10 years. In that ten years I have paid nearly 40,000.00 toward my mortgage. I never missed a payment. Is there any way I can get my 400.00 back? I think there must begiven that when I paid them it was on the agreement for a 161,000.00 loan not for a 200,000.00. Thank You 

Taralee of Mount Laurel NJ (12/04/08)
After finally receiving assistance on our mortgage, I now have 1-60 late and 1-30 day late on my credit. Chase refuses to remove the marks from my credit despite numerous agents telling me that my credit would be amended and the late charges would be removed once the homeowner's assistance deal was finalized. Chase received the funds for my assistance loan on 11/3/08 but couldn't find the time to apply them until 11/21/08. Incidentally, they setup the assistance loan. They are charging me 2 late fees @ $95.11 each.

I wish I could afford to refinance. I have complained to every agency that I can think of but still Chase refuses to amend what they promised. The sad thing is that I was only looking for a 1 month forebearance and Chase forced me into a 3 month deal acting like it was for the better of me and then trashed my credit.

My credit is trashed. My blood pressure is up and I spend my time crying as I lose both my job and my credit rating. My creditors are lowering my available credit since I have those ugly marks on my credit. Soon I will have nothing to use in an emergency. It's a great place to be in after years of being a good paying customer that only ever asked for assistance once and was never late on anything else.

Tawn of Atlanta GA (12/01/08)
Chase did not pay my property taxes out of Escrow in a timely manner and the City/County issued a FIFA against us. It damaged our credit. Chase denied it ever received the tax bill we sent 5 times to fax numbers given to us by Chase.

In addition, Chase charged an appraisal fee on my charge card and it took 2 years for them to remove it. When I questioned what the appraisal was for, they provided a bogus appraisal with no date of my home. I contacted the Appraiser and they denied they did it. I finally got it removed. Then Chase reported this payment was late 2 times, damaging my credit, when in fact, it was in discrepency and they had no right to report this to the credit bureaus.

In addition, Chase reported an old loan that was paid off as a foreclosure to the credit bureaus. This damaged our credit even more.

In addition, we refinanced a Chase loan with Chase and it took 12 days from the closing date to pay off the old loan. When we questioned them, they gave us a round-about-answer that made no sense at all.

In addition, Chase refuses to provide copies of their customer report log. I could go on and on and on.

Our credit scores are severley damaged and our reputation, too.

T of Bayonne NJ (11/26/08)
I had a home equity line of credit from 2005 and I recd a statement on 10/14 dated 10/10 confirming my line available for use as $100k. i wrote two checks ($55k and $23k) to consolidate my credit card bills. next day I go online to see if the checks were cleared, i see my account is blocked from any activity. I called the customer service and they confirmed the checks will be honoured,if they were received for processing by 10/17. I looked at my credit card online on 10/17 and to see the checks were cleared on credit card side on 10/16.

I check again on 10/22 online to see the check was returned by home equity group. I called the home equity group same day(10/22) to realize them lying about the date the check came for clearing on home equity side. in the meantime, i receive a letter from automated check clearing area of home eqity dated 10/17 as the check returned. The home equity of chase (credit line review group) lying and ready to falsify their record about date of check presented for payment 10/21 wheras it was presented to them on 10/17.

Luckily I have proof the letter from automated processing area of home equity says the check was returned on 10/17. They are trying to argue the check was returned even before it received for processing. Its unfair and unprofeesional and illegal to falsify their own record to deprive me in honouring the check. Please help in taking my case with chase home finance. Thank you

i have receive latepayment fee of $39x2 for two return checks and i have been paying penalty rate of 22% on principal for the $78k as I default payment on my credit cards. The chase all most pushing towards bankruptcy at this difficult times where I was running tight financial schedule prior to the occurance. It cost me over $1200 etc each month with chase's behaviour

Barbara of Puyallup WA (11/21/08)
My son filed bankruptcy, he is a Jr. They attached his bk to my mortgage. I have made phone calls daily, sometimes twice bcause they disconnect me. I am told I have to prove my husband did not file bankruptcy. I have faxed the 341 notice showing social security numbers are not the same. I normally make payments on line and was not able to, so this made my payment late, so not only do I have to fight with the bk, but I have to try and get the late fee taken off.

It is now 11/21 and I still have not received a payment coupon for December. I was told they will not send one since my mortgage is in bankruptcy. I keep telling them it is not. They say because names are similar is why. There a millions of names that are similar. This is plain incompetence by not checking the ssn. I have no idea how they got this bankruptcy information as my son didnt and doesnt owe chase any money. The last call I made I was told it will take up to 15 days for the bankruptcy analyst to look at the 341 notice and to call the bankruptcy court to verify that it is not my husband.

They keep telling me my husband filed and the court sent a notice to them. This is incorrect. I work for the bankruptcy court and have a complete copy which has been faxed to them showing creditors the notice was filed to. I thought someone had stolen my husbands identity and immediately requested credit reports to find nothing on them. Mortgage companies should be held accountable and prove to the person disputing that they did not file.

The incompetence of the mortgage company has caused late payments with late fees, undue stressful hardship, extra expense to send payments by certified mail signature requested for proof of receipt of payments. Time away from work to try and take care of the problem. Wasted time on the telephone trying to fix their mistake to no avail.

Melissa of Kennesaw GA (11/20/08)
In January of 2008, I refinanced my home with Chase Home Lending. During my conversation with the loan originator I was told that I was getting a line of credit as a part of the special deal I was getting. I told her I really didn't need that, but she said it was no big deal and that it would just be there in case I ever needed it. A few weeks later an attorney was sent to my home to close the loan. She presented documents to me for my signature with very little explanation of what I was signing and there was no explanation of a home equity loan being involved.

I recently decided to refinance my home again to purchase some land with some of the equity and learned that one of the documents I signed at the closing was a home equity loan that was referred to initially as the line of credit. I have never accessed this line of credit, but in order for me to close the loan as is being required by a DIFFERENT lender, Chase wants to charge me nearly $400.00 they call a prepayment penalty. How do they call this a prepayment penalty when there is nothing owed and has never been accessed. The loan originator nor the closing attorney disclosed this prepayment penalty to me at any time during the course of this transaction.

I feel I am a victim of fraudulent behavior by this lending institution. After reading the many posts on Consumer Affairs by misled consumers, something needs to be done to stop the practices of this lender. In order for me to proceed with the new loan with another lender, I will have to pay this fraudulent fee of nearly $400 for a line of credit that I have never accessed!

Nazneen of Beaumont TX (11/19/08)
my house burned down in july 2008. i gota check from my insurance company that was in my name and in chase bank's jp morgans name since i had an equity loan on it. i sent that check along with a letter to the loss draft dept and after a few days i got a call from the loss draft dept saying that they needed the letter signed from my husband since he was on the loan too. so i drafted another letter and faxed it to them. so after a few days they called me again and asked me if i wanted my line of credit account open or close it when the loan was not equity at all

this went on for 3 weeks while they sat on my $ 60000 check cashed it and then paid the loan of but never sent me the money bak which was around 49000 coming back to me. all i heard was apologies and more apologies when no one took responsibility for the mistake thay made. i still am waiting on my balace to be returned to me

Tanya of Muskegon MI (11/19/08)
We have fallen behind on our mortgage like many others in this area because of slow downs at my work and the loss of my husbands job. We are now 3 months behind. I have kept an open line with Chase about what payments we can make and when we are making them and are really getting back on track. However, I receive 20 or more calls from them a day as does my husband and his name isn't on the mortgage. I feel like this is harassment at this point.

I have one women who calls 6 times a day her name is Sabrina and she has threatened me herself with foreclosure? When I tell her that we are working things out and we have kept in contact with Chase she doesn't stop at all. I think these people don't care and are incredible rude. Also I have called and asked to speak to their loss mitigation department they refuse. I think the harassment actually has me more stressed out then being behind on my payments. Is this type of bullying legal?

Panic attacks, anxiety and hard feelings not to mention the fees.

Leticia of Littleton CO (11/14/08)
We were in forebearance agreement with Chase for our first mortgage and it appears they forclosed on our home. They still hold the second. They admitted fault since we were in agree- ment but now they havent returned our calls. Do we seek legal advise? We must do something by Oct 20th.

We wired 12,000.00 in two pmts this yr to get into forebearance agreement to prevent this and made pmts on time. I am so stressed out people putting notices on our door that locks will be changed then we call the number and its an attorneys office checking to see if anyone lives here!

Amy of Conyers GA (11/13/08)
I have been dealing with Chase about my Mortgage for the past year. I lost my job last february and got behind on my payments. I called Chase to see if they could give me a deferment or any help until I could find something else. They told me that I was eligable for a loan modification. I proceeded to fax them and mail them all of the paper work and information that they requested. I was told I would be contacted within 30days to start the Mod. No one ever called. I called back and they claimed they did not have my forms. I resent every thing to them at my expense again.

I called and was informed that they had everything and I was a good candiddate for the modification. I was told someone would be back with me within the week. Again Nothing. I called back and was told they were backed up and it might take a little longer. I kept calling. Nothing ever happened. I had now gone 60days past due. they actually recommended that I ask relatives for the money! I said I could not as they were in the same situation I was. I luckily got a new job and finally got caught up on my payments.

However they now have tacked on a 1000.00 a month fake escrow account. I have faxed the tax and insurence department 5 times with proof of my paid taxes ( paid by me) and my insurence. They will not remove this! I have paid my regular payment for the past two months but they are holding the funds in a suspended account and are threatining me with foreclosure as they say I am going into my 3rd month of not paying. I have spoken to at least 20 people, sent proof, and asked for a supervisor everytime.

I recently e-mailed the CEO for chase. I am desperate for help and am willing to pay for it. I do not want to lose my home over their mistake! Please help me! Thank you,
My cedit is ruined not to mention the stress and anxiety that I am dealing with as a result of their negligence. They call me at least 10 times a day on my home and work phone! I try to explain the situation to them and they are rude and simply wqant me to give them more money. There is aover 4000.00 in the suspended account and they will not apply it to my loan!

Stacy of Hayes VA (11/13/08)
We had a total loss house fire in sept. o7. Chase is holding and dispensing our money from the insurance company as our home is rebuilt. The 1st draw went fine, the 2nd took 4 weeks because they said they were missing the notorized paperwork required release the funds. We sent it 3 times. We are still waiting for the last draw and its been 6 weeks. They find every reason to hold onto the money. During the last call, I was told the request for the draw just got submitted. It was done on Oct 10 not Nov 10.

I got lucky, I was talking with the same girl I did last week because she tried to say I'm sorry someone gave you the wrong info. I told her it was her, she told me my draw was to be released in 72 hours, which was the day I was calling on. I was then told it would be mailed out on wednesday due to the holiday. It is Wednesday (Nov 12) and still no check was sent. We sent our own prepaid envelope certified mail with all notorized paperwork again to avoid the run around. They still tried to say they didn't have something until we asked who signed for it. No one can help or answer a question. There is no complaint number to call and they won't give you a corporate number.

We are still in a tiny 2 bedroom condo 15 months later with three kids no end in sight. If something doesn't happen soon we are going to end up paying rent and a mortgage. Our contractor is charging us an additional 7,000 on top of the cost to rebuild because of chase's incompetence and continued delays. We already lost everything we had and are trying to rebuild our lives, why are they hurting us more by holding us back?

My contractor called to pester them as well and has spent hours on the phone getting the same run around, but being told different things. I have nothing good to say about chase and the way they handle their customers. I still have no home and need to finish replacing my lost items, which I have a limited time to do, and being charged extra because they don't care if I am on the street. They just want money any way they can keep it and it is not their money.

Judy of Kirbyville TX (11/11/08)
Chase Mortgage Company still owes us money from the sale of our home. There was a lady there that promised to look into the matter and get or money to us. It's been a year now and still no money. They tried to foreclose on us during the sale of our home. Charged us attorney fees that were outrageous! We basically got screwed by them by the time we went to sign paper. I would just like all our money that they stole from us.

Judy of Kirbyville TX (11/11/08)
Chase Mortgage Company still owes us money from the sale of our home. There was a lady there that promised to look into the matter and get or money to us. It's been a year now and still no money. They tried to foreclose on us during the sale of our home. Charged us attorney fees that were outrageous! We basically got screwed by them by the time we went to sign paper. I would just like all our money that they stole from us.

Rhonda of Sarasota FL (11/10/08)
I am being harrased by Chase as they state that we are delinquent on our mortgage by 3 months and are threatening foreclosure. We have made all payments on the loan and we are current have provided Chase's collection Dept. with proof that the payments have cleared our bank (on several occasions-via fax and mail). I have sent Formal Letters of Complaint/ Dispute with supporting documentation to Chase on 2 occasions via FedEx.

Today, a man showed up to my house and identified himself as a subcontractor hired by Chase to observe my property. I nicely asked him to leave, as my loan is current and their records are inaccurate. He says he hears this same story all the time. The negligent behaivor of this company is unbeleivable. They say if you've paid, just send us proof and the reppresentatives state they will put in a request to locate payment, and no one ever follows up with us- the collection calls are non-stop; now someone at my door? This can't be legal, can it?

Our credit score is damaged; the stress is unmeasurable. There has been no effort on Chase's behalf to resolve this situation and we are now receiving Foreclosure Notice's in the mail. They call constantly on my work phone, and I've told them every time- do not call me while I am working.

B. of Oakland CA (11/07/08)
Chase notified me by mail (form letter) that four days prior to receipt of this letter that Chase had reappraised my home and was freezing my Home Equity Line and denying me further access to the funds. They devalued my home from $1.98 million (appraised value in October 2007) to $1.2 million -- a 40% reduction in value, bringing their appraised value to an amount well below what I presently owe between my first and Home Equity Line.

I am a 62 year old self-employed female and a Vietnam war widow. I raised my family on this property. In 1991 my home burned up in the Oakland Firestorm. I rebuilt and have been back in my home for 14 years. I have owned my property since 1972. Chase's represesntative at Credit Line Review stated I have to reappraise my home at my own expense and wait 30 days for a decision and that I have to reprove the original appraised value or higher.

I inquired how the decision was made and the rep told me that it was done by a drive-by appraisal which is clearly inaccurate as homes have retained their value in my neighborhood. About 2 weeks later a representative from WAMU/Chase called me to congratulate me on being a good customer on the anniversary date of my first mortgage. I informed him that I was very unhappy with Chase about the devaluation of my home of many years and asked him how the figure was arrived at by Chase Bank. He stated that the appraisal was done by zip code which could possibly be construed as red lining which is illegal.

I am now in the process of getting my home appraised and will submit my appeal to Chase within the next 7 days. Economic -- I may be forced out of my home and lose my home; returned checks; cost of appraisal. Health: I am suffering considerable stress and am under medical care.

Juliew of Alpharetta GA (11/03/08)
I called for info on a paoff 10/2 for my 2nd mortgage. Called back 10/6 to initiate paoff and spoke to Crystal. Ensured the paof quote would be sent (including my 10/10 monthly mtg payment). 10/25 received letter that my payment was late and still no paof. Called and spoke to May 10/25. She advised she saw where I called in on the 6th but no paof quote sent. She ensured me that she would iniate the payof and have her manager call me (Maureen O.). Paof not sent and Maureen never called. 10/27, I called Chase HQ and spoke to Jamie Dimon's assistant, Nancy. She referred me to Harriett Thatch who referred me to Sarah Spradling. I finally got a paof on 10/30...it was incorrect. Called Sarah Spradling back to get corrected paof. She called 10/31 assuring the new paof was correct and being Fedexed.

I always paid my mtg payment on time and was assured by Chase that my payment for Oct would be rolled up into the Oct paof. I have now received TWO collection calls from Chase advising I'm delinquent on an account that I am NOT passed due on. My scores are above 790 and have ZERO past due payments on any account. I have asked Chase to correct my account to show up to date and a paof requested...that any amount due on the account will be paid but that nothing should reflect negatively on my account. Chase is at fault. I can't get ONE person to correct this. I've spoken to 11 people with Chase and so far, I can't paof the account and collections is calling me!!!! HELP!!!!!

Vicki of Bridgewater NJ (11/01/08)
Foreclosure papers were hand delivered to my SON yesterday. This is after 8 months, from February 25, 2008 of trying to work with Chase on a modification of our mortgage. Our rate went from 6.5 to 9.5%, an extra $1K a month. Who has that? In this 8 mo period of doing everything we were told, calling monthly, if not more to check on the modification, Chase would NOT accept any, ANY payments from us. NOTHING - and yes I have names and dates and times of everyone I spoke with. So, guess what, now our credit is ruined. We couldn't even get a student loan for my son. That's now coming out of our pocket.

They lost our paperwork, had to refax a couple times, Was told we were approve in JULY but nothing ever materialized. They said DHL delivered to us, but can't give us a tracking # or a signature card. Why would a multi million dollar company send our priviledged mortgage information with out having someone sign for it? So now our personal information could be in someone's hands, not that they could get a loan on our credit, now. They have ruined us and I do NOT want to sit back and NOT DO ANYTHING. We are honest hardworking people, just like everyone else that has complained on this forum. Mu husband and I are fighting over this. Too many tears..... I have contacted the FTC and HUD and entered complaints against them, which everyone else that has dealt with CHASE should be doing. I'd also like to register with Oprah to bring this issue out in the public.

Credit is RUINED. If my 1987 Toyota Camry breaks down - can't get another car. So many issues now. I DO want a lawyer to contact me.

Gerald of Fort Worth TX (11/01/08)
I purchased a home in October of 2005 for $50,000.00 put $5000.00 down and a mortgage rate of (Varriable Rate Mortgage) 9.75%on the home through Prestonwood Mortgage. my loan was sold to Chase Home Finance LLC two years after the loan was sold chase raised the rate on the to 12.75. when I contacted them about this raise stating the rates had just fallen they advised me that they did not use the rates in the U.S. they use one out of England. I asked about getting a fixed rate and was advised that I would have to pay a pentalty for ending the mortgage before three years. I stated I would be staying with Chase and was told it made no difference.

I looked for a different lender but with a low credit score I was told I could not get a loan, even though on the first phone call I was advised I would have a loan in less then a month. Three months later and faxing all the paper work that was required I was told I could not have the loan. I again attempeted to deal with Chase advising them that I was going to be selling the house and was told there was a prepayment penalty. I put the house on the market and it sold in October.

as I was getting ready for closing on Novemeber 4, 2008 I contacted Chase Home Financial LLC and was told that I would have to pay a pentalty for selling the home before 3 years and pay off was $47,343.87. I said it had been three years then. I was advised that the the amount still owed on the house was because they had added insurance and the extra money on the loan was the escrow. I never received a notice for the insurance and did receive a letter on September 6, 2008 that my house payment was now $403.42 and no mention of any thing about the escrow payment that would be with the loan.

With the way Chase Home Pinance LLC has this figured out is after $5000.00 down and 33 payments ranging from $365 firs and second year to $435 beginning the thrid year that my house is more the then was when I stared out buying it. (60,000.00 minus down payment 5000.00 minus 33 payments) Several times I requested that they send me a copy of this contract that I signed and as of yeat I have not received anything from Chase. I did show at one point where my balance due on the house was at 41,800.00 back at the beginning of 2008. have the house sold but I am losing money if I sell it this way.

I have lost a day from work approximately $94.00 and I have lost all the moeny I have put into the house over the past three years plus approximately 200 dollars worth of gas. I only wish to realize the money that I have coming for the moeny that I have put into the house. I had figured that I would walk away after selling the house with approximately $24000.00

Ernest of Fort Myers FL (11/01/08)
I call customer service for help with my mortgage since I cannot find work in Fort Myers Florida. The company laid most everyone off and I cannot find any work around here. The customer service rep told me that I have to be atleast three months past due to qualify for assistance when that is what I am trying to avoid. Then she says to try and apply for state or local assistance from united way or the salvation army and they all told me to apply for help through childrens and families. Well since my wife waitresses, 300 dollars a week disqualifies us for any help montarily.

I cannot believe that is is what Chase does to it's customers. They should tack any late mayments onto the end of the mortgage in times like this. Soo many families out of a home and out of work. I would never deal with them again as long as I live.

I use my computer every day to look for work on career builder but there is nothing. I have a family of four with two baby girls and I am 3 months behind. I may have to leave everything. I can't pay for a uhaul to movbe all of our stuff. I feel like my prayers are the only thing that I can depend on. Why can't companies keep people in their homes? God would never kick people out on the streets!

George of Newry PA (10/31/08)
Chase company is now affiated with EMC. We are in the process of refiancing our home for a fixed rate. Went to get a payoff and now the claim we have a prepayment penalty on our loan. Come to find out in PA it is against the law to do that especially if it put the value of your loan over the value of our property. Gov. Rendall signed a bill stating prepayment penalties are illegal. I told them this and they said they didn't care what the law was they had the own rules. What can we do?

If we do NOT refiance at this point we are in danger of our payment going up $300.00 this would make our payment $1500.00 a month and we would lose our home. My in-laws live here to and our not in good health.

Jaclyn of Ashland KY (10/28/08)
My husband refinanced our house through Chase. We were quoted 6.125% interest rate for the first 2 years. Once we signed the documents and given the amount of our payment I thought it was a little high, but trusted Chase that it was correct. Well, in looking at selling our house now... we now owe more than the principal mortgage amount on the original loan constructed over 31 months ago.

I don't understand how this can happen. Come to find out we are paying 9.7% interest and supposedly it was because of my husband's credit score. Which he has since found out and chase never disclosed this to him about his credit, that he is a victim of identity theft and had someone filed a bunkruptcy using his social security number on a house located in our state, but different city and besides it showed a different name than my husband's name.

Our original loan amount was for $61,700 and they are telling us that if we pay it off now (out of the prepayment penalty date range) it will be $61842.83. This is rediculous.

I feel that we have been victims of predatory lending and how do we go about filing and legal complaint or suit? I am sure that there are millions of people who have trusted this lending institution and have been taken for a long ride.

William of Draper UT (10/25/08)
I have an interest only home loan through chase home mortgage. After my wife paid our loan payment in August 2008, she also paid an extra $500.00 to be applied to the next months payment so we could try to get ahead on our payments. We then paid the remainder of the payment that was due for September 2008. On 9/26/08 the bank called and said that we were late on our payment.

They didn't put the extra $500.00 from 8/2008 towards the September payment, instead they applied it to the principle of the loan wich is an interest only loan. We tried to sort it out that day. On September 28, 2008 my younger brother passed away, we had to travel out of town to make arangements for the funeral. We contacted Chase bank on Monday September 29, 2008 and told them the situation. They said that we could sort it out when we were back in our home town and that they wouldn't report us to the credit agency as a 30 day late until we had it sorted out.

We contacted chase bank the next buisness day that we were back in town and had the $500.00 that they put towards the principle at the end of August reversed and applied toward our september payment. This made our payment curent. Two weeks later I tried to trade our car in at a dealership for a new truck. My credit report was at 740 in September!! At the dealership I was denied the loan for the new car because my credit score had been dropped to 550!!!!! because I had one 30 day late on my credit report because Chase bank messed up.

my credit score was severely damaged. I have had a perfect payment history and now I have a credit report that shows that I am not capable of paying my loans and bebts. I am now a credit risk because chase bank messed up and ruined my creit. I am requesting that chase bank send a letter to all three credit agencies and fix the problem so I can get my credit score back to the 740 that I previously work so hard to earn!!!!!

Kim of Powhatan VA (10/23/08)
I am a realtor. I was contacted by a couple who had a variable loan on a home financed by Chase. The husband had become disabled and their house had become uninhabitable. It had TONS of city violations on it and it is in horrible condition. The amount they owed was more than the house was worth. I put it on the market and got a couple of short sale offers. This was in June 2008.

I spent hours and hours working on paperwork only to find that each of the 14 times (yes, I have proof) that I faxed Chase, they denied they ever got it or would give me a COMPLETELY different place to fax it to. They would also ask for an additional piece of information. Three faxes ago, I faxed 64 pages!

Each time I called, I was given the run around or they told me that I needed to call another number. I called one day four times and was put on hold for 45 minutes each time and then hung up on! DELIBERATELY. I would hear them pick up and then CLICK! They finally sent someone out to do a BPO. I arranged to get them in and again called for WEEKS afterward. When I finally got thru to the assigned negotiator, he told me that I would have to wait for another week for them to do a internal revalue. I called him back and he told me that they were rejecting the cash offer contracts that I submitted and countered with an amount that was not only ridiculous, it was higher by $20,000 than what homes were selling for in that area!

So now, after more than 5 months of work at MY expense, Chase is going to allow it to go into foreclosure. It will be assigned to another real estate agent who will spend months just like I did trying to get offers only to find out that they will get less than the offers I currently have in hand. It will cost Chase (and their investors) more money and they will end up with an offer no more than the current ones I submitted as the house is a train wreck!

NEVER AGAIN will I attempt to involve myself in a short sale if Chase is involved NOR will I ever take out a loan from Chase NOR recommend them.

I have worked for 5 months, spent money, time and effort trying to help this couple sell their home. Chase led me on and implied that they would work with me if I got them various paperwork. I have several hundred pieces of paper that I have collected trying to appease them only to be knocked out of the ballpark by a ridiculous counteroffer that is not even NEAR what anything has or can sell for in that area. The negotiators oh well attitude just floored me after all this work they put me thru - all for nothing!

John of Orange CA (10/23/08)
I fell behind in payments due to a death in the family and out of work. I contatcted Chase and let them know that when I was working again we could set up a paymnet plan. They agreed. They said I would have to provide check stubs as part of the forebearance. I waited until two checks stubs were available and Chase knew when I was going to submit them.

I have tried and tried to resolve my past due but was told point blank by Mr. Currie at Chase that Chase does not have to deal with me in fact Chase will do much better by foreclosing on my home and selling it back to the Federal Government for what I paid. I am in complete shock and am going to lose my home in 7 short days. Don't trust Chase, don't do business with them. they will flat out lie to you. If you think you can resolve any past due with them, think again.

My house was purchased by me for $730,000.00 and is now worth less than $400,000.00 due to the economy and the local RE market. maybe it is a blessing. Either way it is such a difficult time in life. I even have a terminally ill dying Father who is living in my house that I now have to move somewhere. No one will rent to me with my credit now.

Robert of Locust Grove OK (10/22/08)
I currently have my mortgage with Chase. I recently sold a second home and wanted to refinance the current mortgage for a lower rate and repayment length. Great! Ryan the loan specialist gave the terms and the necessary info to get the ball rolling. This was on Sept. 5th. All paper work requested was submitted and the loan processor Skukri took over. She said that an appraiser would contact me and complete the appraisal and we would be ready to close on the loan. The appraiser did contact me and set up a day and time for the appraisal. The day and time came and went without any appraiser or any contact.

I then contacted Shukri and explained what happened and requested that the appraisal be assigned to another company. She said that would delay things and she would contact the appraiser and see if anyone else was available to do the appraisal. In the meantime the appraiser contacted me and said that he had never missed an appointment and his wife was ill. I said fine, let's set up another day and time. On the day I was flying home from work to meet the appraiser I received a call on my cell phone to inform me that that appraisal had been cancelled by Chase and that the appraiser could not do the appraisal. I than contacted Skuri to ask what was going on and she did not have a clue. However, she said she would make a few calls to see what happened.

The order was resent and another day and time was scheduled for the appraisal. Finally the appraiser made it on time. The next week Shukri scheduled a closing day and time. The day before closing no word from Chase. I called Skuri and wanted to know if we were set to close on the date given. She wanted to know who gave us that date. Once again, she did not have a clue. I then called Ryan the loan advisor and told him of the situation. He said that he needed to be the contact person for the future. I was then notified that the appraiser had a medical emergency and would not be able to complete the appraisal. Therefore, another time and day was set up with another appraiser.

Ryan called and apologized and said it would be made up in closing discounts and that he would contact me on Friday. Of course Friday came and went without contact. Therefore, the following Monday I called and left word to contact me. Of course there has been no contact. This is Oct. 21 and the 60 day lock in rate will soon expire. Credit score is in 800's. I guess Chase does not need to retain good customers during economic woes! Oh well, some company will take advantage of the situation.

John of Palm Bay FL (10/21/08)
So back in Febuary I decided to pay extra into escrow, they never applied the monies to escrow, they decided to apply it where they wanted and six months later which was about a month ago,they relized they messed up, so they moved the monies finally into escrow, well when they did this they messed my account up, now for 2 months they been calling and harassing me, at work and home saying i'm a payment behind, and I KNOW FOR FACT I AM CURRENT AND ONTIME every month,

So I call and get the shift around and no one seems to be able to help me when there in the wrong not to mention they want me to do there job for them by finding all my paperwork to prove i paid, they have done this exact thing about a year ago and finally fixed it after i had to contact a lawyer.

I have spent hours and hours on the phone and have not gotten no where, time off work, my wife is so distrought to where it effect my 10month old, so scared there going to mess up my credit or foreclose on me for there mistake

Steven of Las Vegas NV (10/18/08)
i refinanced my home in 1-08 i told the broker and the title co. that i wanted my taxs to be taken out of mortgage payments they unstood and insured me in the contract that they were in about march of 08 i had recieved a bill for taxs i had notifed chase they said they contact the county offices and take care of the taxs sept 08 i had rcecvied another notice that my taxs were past due now they doubled i notifed the broker that had refinanced my home she had contacted them at chase they had raised my payment 156.00 a month this is suposed to come out of my impound fees i have a fixed rate i'm bieng ripped off and i'm tired of it i'm having a hard enough time makeing the payment now and now they raised it there suposed to be fixing problems not make them worse because they screwed up

with this incress i'm probley going to lose my home i've been living her almost 9 years somebody better do something soon i have no where ealse to go but the streets

Donald of Henrietta TX (10/17/08)
About 2 weeks ago I have been called on my cell phone with the person calling looking for a person they said was Dante. I explained I was not him and have had this phone for 2 years and to please not contact me again. This week I had four calls showing on my cell phone all looking for the same person. Today I drove 30 miles to Wichita Falls office of Chase and spoke with Sara. She spent about an hour on her computer to find Dante----then my cell phone rang from private number calling and I passed the phone to her and she spoke with the caller who was with Chase mortgage division.

She finally found Dante and he did have my phone number on his file. She said she would remove it promptly. I explained to her I was harrassed by Fannie Mae about this same person and finally threatened to call both us senators and my representative and ask them to help remove me from their call list for Dante. It worked-no more calls. So I left the Chase office at Wichita Falls, Texas thinking I was Dante free at last- but no !-another call from the private number about 5:30 pm and another call about 9:00 and she would not identify herself and who she worked for.

This is the last straw for me- I have a loan with Chase and will not be seeking a loan again. I suggest maybe my attorney will be contacting [their] Wichita Falls office. I will also be contacting my Washington senators to see if they can help resolve this harrassment.

Suzanne of Mount Wolf PA (10/14/08)
my husband and i have a mortgage through chase. we have fallen back on mortgage payments and have made several attempts to get help from them. they have yet to help let alone being able to talk to the right people. when you do get a hold of someone they don't return any phone calls. we have a good amount in equity and have tried to refinance but my husbands credit score is too low. we are paying 9.25% interest and have a 9000.00 pre payment penalty. my husband has been cut back to less then 40 hours a week so the money is not as good as what it once was.

they also told us our taxes were escrowed and they weren't so now besides being behind in payments i have to come up with 4000.00 to pay my taxes. i was not able to be put on the mortgage because i found out i'm in the credit bureau as deceased so my husband had to sign the paper work. it's just out of control and us as consumers can do nothing about it... i have managed to make contact with a company who can hopefully turn this mess around and i can get back on track.

Elaine of Kansas City MO (10/13/08)
I fell behind on my mortgage payments. My husband died, I refinanced with Countrywide, and ended up with Chase. I do not particularly object to being contacted by Chase. It is their right to attempt to collect money due them. I do, however, object to their rudeness. I have found I can, with very little effort, become just as rude. I was three months behind on my house payment and made two of those payments on September 30th. I told them at that time I would call them on October 15th to bring the account current.

I received a call on October 1 to make payment arrangements. I told them I had told them I would call them on the 15th and that they didn't need to contact me prior to that. They informed me they could call me whenever they want (which they do....up to 9:30 p.m.). I receive calls every day, to which I respond as soon as they have identified themselves Have you read your notes? I'll call you on the 15th. Thank you for calling. Good-bye.

But to address my issues with Eva...she called me one day at work (they have been repeatedly requested not to contact me at work). I told her to give me her number and I would call her back. She kept trying to engage in conversation, which I could not do because I work out in an open office and I do not particularly want everyone to know my business. After I made the request for her phone number 3 times, I hung up the phone. A short time later I received another call from Eva (even though I had already talked to her...to the extent I could). She asked me if the receptionist had delivered her message. Of course, I didn't really know what she was talking about, since our receptionist doesn't really take messages...we all have voice mail. I told her I had not received a message from the receptionist, so she proceeded again to engage in conversation.

I told her if she wanted to give me her number, I would call her later. She still chose not to give me the number, said the receptionist had it. I think the whole thing here was nothing more than an attempt to embarrass me at work. A little later the receptionist delivered a message to me. I called to complain to her supervisor; however, he lets all messages go to voice mail and does not return calls. I think they break 90% of the Fair Debt Collection rules. I just don't understand how they keep getting by with it.

I just think they should be stopped from the harrassment, etc.

Telesia of Patterson LA (10/10/08)
Over a year ago, I noticed that my property taxes weren't being paid by Chase. I was under the impression that it was because of Homestead Exemption. I called them and was told that I wasn't exempt. I am a disable veteran with a 70% disiblity rating. I called my Tax Assessor's office and was told that I needed to send proof of disability, which I did right away.

The problem is that Chase mismanaged my account and failed to pay the property taxes, which caused my escrow to be in default and now I have a shortage spread. My mortgage has gone up by $400 due to their incompetence. I was talked down to as if I were the one that didn't understand what was going on. She wanted to point the finger at the Tax Assessor, in which they had indeed sent the bill it just wasn't paid properly and now I have to pay for it...literally!

Nobody wants to accept responsibility for mismanaging our account. I am so fed up with Chase and am in the process of looking to refinance with another company! I DO NOT recommend Chase for any business dealings!

We are barely keeping our head above the water. We are doing everything we can not to default on our mortgage. It's time consuming since I have dealt with this for over a year so far. Everytime I've been told that it was taken care of and not to worry, it never was! It is very stressful. I've had migraines, panic attacks...it takes a toll on you. It has an affect on your marriage.

John of Sunland CA (10/06/08)
We refinanced for a fixed rate of 4.75% fixed for 30 years, no cost, no points and no pre-payment. No copies were given at the time of signing just promised to be sent in a few days. We requested them numerous times but were just given the run around.

After we received our first statement about 6 weeks later, we noticed the loan was changed to a 7.5% pick-a-pay adjustable loan and $20,000 was added to our balance without our consent. We notified them right away explaining what had happened and they assured us everything would be corrected.

After 2 months of calling and being given excuses we realized that we were involved in a scam. We have even found a federal court case against these same people. They have been reported to all the agencies and police and we are still looking for the best attorney to help in cases such as this.

$20,000 and we lost a 30 year 5.5% fixed loan and now have to refinance again with another lender.

Francis of Elm Mott TX (10/06/08)
Was out of work for alittle while and got behind on bills. Have alot of equity in are home so went to a branch and ask for equity loan to consolidate all are loans into 1.

Branch approved are loan and set up a payment for the loan. They then stated it would need to go to the underwriters and then sign some papers. The underwriters called and said we would need to give them 600.00 dollars to finish loan process so we give it to them. Then 3 days later they come back and say they denied the loan and keep the money because it was non-refundable in which none of this was disscussed. Now they are charging a Miss/fee that is wrong.

Futher in debt and my rights as a consumer are be violated and the Rep. with Chase says they can do what ever.

R of Greenwood SC (10/06/08)
My husband went into real state in 2007 and things got really bad on the market. We got behind on our payments month after month. My husband informed Chase on what was happening. We lived in the house for almost 10 years. My husband even wrote them a hardship letter because of the changes in our finances. Then we begin the process of a short sell due to the fact we could no longer make any payments. We had a buyer ready to purchase the home to keep us from foreclosure. But Chase denied the offer and now we are out of our home. Living in a house that belong to our local church and I am hurt because of what has happen.

I'm praying that something will change with the company and homeowners won't have to go through what my family has went through. I have children and we are just hurt because of what has been done. The shame and the embarrassment of foreclosure is hard. I know this may sound a little childish but I still cry at night because I miss my home. My husband had the house built just the way I wanted it. But now I just ride by the house and it is just sitting there empty. That was my home that I was rearing my children in. What do I do?

Lori of Nazareth PA (09/30/08)
We signed a escrow agreement stating that Chase would pay our local taxes and insurance. They were notified several times that the taxes were not posted on our property and the last straw was when we received a certified letter from the county that our home was going up for sale. It took Chase Mtg 2 years to resolve our county taxes. They never followed up to verify the taxes were posted to our property and then we were give 7 days to prove that the taxes were either paid, pay them ourselves (even after Chase had our money!), or allow the county to put our home up for sale because Chase did not resolve this matter in a timely manner.

We paid our mtg payments every month and on time- we were not delinquent at all. Doesn't CHASE have a obligation to verify and or receive receipts that our local taxes were paid to date? Our property was in jeopardy of going up for sale if the money was not received.

It took this company 2 YEARS AND repeated phone calls to resolve this matter with the local tax office. Part of our Escrow contract states it is agreed they would pay our taxes in a timely manner. However, if they never verified that the taxes were properly posted to our account, how can they justify they fulfilled their part of the contact?

Taralee of Mount Laurel NJ (09/30/08)
My husband was recently laid off and we suffered a loss of income. I contacted my mortgage company, Chase, to ask for help in the form of a deferment or a forbearance. I have been waiting for over 3 weeks for an analyst to contact me. Apparently the analyst can call me at their convenience and has no supervisor whatsoever. I have been asked to be connected to a supervisor and I am told no.

As of tomorrow, I will gain a 30 day mark on my credit. Why is it that one of the largest lenders in the US is able to act in this matter? I have done everything that they asked and they refuse to speak to me. I have spent 45 minutes on hold each time that I have called their Homeowner's Assistance line and still I have no answer/no help. I have also tried to contact them via email and they don't respond to anything! Please help!

Jill of Meridian ID (09/16/08)
In April, 2008 I called a Chase representative and asked if our interest rate would increase this year. And if so do we need to refinance for a lower interest rate? However, we had been working hard on improving our credit score and it was good and we couldn't afford a higher monthly payment. He put me on hold to talk to his supervisor and check to see if it was to increase. He said, it will not increase for at least 2 more years and not to worry, it's staying at a 8.8% and payments will be the same at $1,685.00. Then in June, 2008, we got a letter from Chase saying our interest rate was increasing to 10% on July 1, 2008 and payments would now be $1,998.00.

Now we are struggling to make each payment and have fallen behind 2 and a half months. I have been on social security disability since 2006 and my husband has been employed by the same company for 18 years. I do chemo therapy once a week as part of my treatment and stress aggrivates my disease so now my doctors have increase my medications because i've been getting worse. We have 3 young children and my husband built this house himself in 1998/1999.

Suze of Aiken SC (09/16/08)
Owned home for 12 yr with no late payments. After being talked into a ARM and Chase taking over they have refused to work with us when payments went up over $400.00 a month more. Right after my divorce, Home went into foreclosure a week before had a closing day for sale. They said they needed to add attorney fees and penalites anyway.

They will not provide us with a payoff amount to close and I am losing the sale of the home due to buyers already waiting a month. They keep losing the request and are very rude over the phone. Title company has asked for last four weeks and myself and they cannot get it together for us to pay them off. What a night mare!

Loosing sale of home plus the equity we would get for the sale. Want to sue and complain but to who

Mark of Orlando FL (09/15/08)
Chase Home Finance LLc is late in posting our on time payments purposely late to collect late fees. We asked for a loan modificaiton six months ago and they froze our house payments two months ago without telling us and and are trying to say those payments are overdue with now assessed late fees when we have made every payment. No transactions our listed on our statements of any of our payments going to their so called suspense account and they wont release them as they say it takes time all of them giving different answers every time you call.

Hours on the phone no resolutions. Their customer service is very good at avoiding any wrongdoing by them. When we did finally recieve the loan modificaiton paperwork, the wanted us to acknowledge that we were in default on our loan. We have made EVERY payment to them. Someone needs to shut this thing down. It is affecting the lives of thousands of people. They never disclosed they were going ot hold our payments and then try and say we were delinquent. All we wanted was to look at the possiblity of a new terms and this is what we get? They were not assigned at the servicing of this loan until after the loan was done.

Time off from our normal lives trying to fight them on reversals of the late fees. They wont release our suspensed funds to make it appear we are late. They are doing this purposely and I am actually physically sick from this. My wife and I have worked for 5 years to have an excellent credit record and they are trying to ruin it for their own gain. We are peolpe who make their payments and have and they are even preying on us.

Don of Albrightsville PA (09/14/08)
I have been paying $83.00 PMI insurance per month on my mortgage for 3yrs and 3 months. Last year i paid $350.00 for an appraisal to refinance my home. I changed my mind on the refi because it would have cost me about $6,000.00 to do the refi. So instead i asked Chase home finance to drop the PMI since the value of my house put me way above the 20% mark reqiured to have the PMI dropped. Chase wanted me to pay for another appraisal because they claim they hire different appraisers for PMI than they do for refinance.

I found out that that is a big fat lie. I checked with their management company and they use the same appraisal company for both, which is C.A.M AppraisersLTD. I have made numerous calls to no avail. I also found out that other customers of Chase that have paid again for an appraisal to drop the PMI, nothing has been done, they keep charging that premium. We as consumers need someone to do something about this.

In Chase Home Finance guideline form, one of the requirements to drop the PMI is at least 3 yrs. time lapse and/or loan to value ratio more than 20%. i have both requirements met. My mortgage balance is $144,400. My home value is $190,000. Please someone do something about this.

Dave of Gibsonia PA (09/11/08)
I am not a customer of Chase Home Finance and I never have been. By some means, Chase Home Finance has my phone number listed for one of their customers who is delinquent in payment to them. They have been calling me, sometimes up to 3 times per day, for about the past 6 months. I have repeatedly told them that the person they're looking for can not be reached at my number, yet they continue to call me and ask for the same person.

I asked them how to get my number removed from their list and they provided me with a number that I could call, but when I called, they told me that my number wasn't on their list. I asked to speak with a manager the one time they called and the manager told me that to be able to remove my phone number from their list, I would have to provide him with my social security number. I explained that I wasn't a Chase customer, so he would have no record of my social security number, but he insisted that the only way he could remove my phone number was if I were to provide my social security number.

Again last night, after the 3rd call of the day, I called their collections department and explained to them (for at least the 20th time) that I do not owe them any money, I am not a customer of theirs and I really want them to stop calling my house. I have been assured once again that they will no longer be calling me. Time will tell...

Nothing other than severe annoyance and occasionally waking up a sleeping baby.

Nancy of Saint Petersburg FL (09/09/08)
Have a contract to sell a house with Chase as the mortgage holder. This is a CASH purchase for the full amount of the loan. When getting the payoff figures it was noted that there was a prepayment payoff of $6800 if done prior to 10/29/2008. The buyer wants to close 09/23/2008 a little more than a month for the prepayment to expire.

After spending hours on the phone with Chase, being transferred numerous times, I was told that nothing could be done about the prepayment amount. This company is getting their full amount of the mortgage but are so greedy that they want their extra prepapyment penalty. This mortgage has never been behind on payments, is not in forclosure or short sale. They don't give any alternatives or consideration for their customers.

I will never deal with Chase in any form again, including credit cards and I encourage people to do they same. There are other companies out there who are willing to help their customers unlike Chase.

I am now having to come up with this extra money in order to close on this house. I am on a fixed income and that amount of money being taken away from me for greediness it taking years on my life.

Alex of Jennings OK (09/03/08)
We fell behind on our mortgage and entered into a repayment plan with Chase. Yesterday I spent nearly 3 hours total on hold and being passed from one aggressive and beligerent collector to another as I tried to resolve a problem. My initial repayment plan called for me to send 2 months worth of mortgage payment...they demanded Western Union, which I did on the date they requested. Unknown to me, they used my checking account number (we had set up auto-pay with them prior to problems) to draft an additional $1211.46 from my account without my permission. No one ever was willing to acknowledge the problem and all refused to give me their last names. I intend to pursue criminal/felony check fraud charges against someone at Chase...how can I find out who to prosecute?

Chase took the $1200 that we had to live on for the month, and because we had no idea they took the money, my wife and kids spent 2 hours stranded on the side of the road with no gas...her debit card didn't work at the gas station because Chase took all our money. In addition they kept me on hold forever, were rude, told me I lied about the Western Union payment and were truly a bunch of low-lifes... Do not do business with them!

Lynn of Canton MI (09/01/08)
All payments made in time, took more then two weeks to post causing me late charges in access of 275.00 total. Charges they flatly refuse to reverse. They claim their policy states one reversal per year, I challenged and asked where the written policy is, and was it disclosed to me as their customer, their reply was they are not required to disclose thier policies publicly....under the banking and State of Michigan Laws they certianly are required to disclose them publicly.

I owe two thousand on my mortgage, I am paying it off and will work against this bank in any way possible for their ignorance and blatant refusal to reverse these charges. Online banking was a fit for us at the time, and there were no bvranches in Michigan during this period in question. Advisory!!!! STAY AWAY FROM JP MORGAN/CHASE HOME FINANCE MORTGAGE COMPANY. Use anyone but them for your new mortgage, and if your mortgage is sold to them re-finance with someone else. Another bad Bank is Standard Federal Bank.

Unresaonable costs to senior citizens who have a hard enough time trying to eat and pay for their drugs to stay alive.

Susie of Hitchcock TX (08/28/08)
Mother in law bought us this house. She passed in 2005. My husband went to court with our lawyer and had the house deeded over to us both, had the insurance put in our name and had the house homesteaded, which we could not do unless the house was leaglly ours. Chase sent us an escrow check in his moms name so i sent back thinking there would be no problem getting it re-issued since the house was leaglly deeded over to us. Well this was in April. I sent TWICE what they asked for, copy of death certificate, copy from appraisal, copy of deed of trust done through court with our names on it. But the worst is they keep lieing to us.

 Marcia called last week, 8/18/08 and said she had the check in her hand and it was made out in both our names and she was over nighting it by end of the week first of this week. I called yesterday 8/27/08 and found out she lied again! They have lied and lied and the house is ours legally and even the attorney general's office said they were stalling and gave me the numer for the OCC to contact which I have done. I keep them informed of everything that goes on on a daily basis.

It has caused mental anguish and stress having to deal with this on a daily basis. All we want is our $1572 check back. I have high blood pressure and has been up since this happened. Its people like them that caused my mother in law to have a massive stroke that caused her death.

Deanna of Woodland Park CO (08/22/08)
My husband and I are both self-employed. With the nature of our businesses we are paid after the service is rendered..sometimes 30-60 days after the service is completed. Subsequently we often make our house payment after the 15 day grace period. We are never over 30 days late. Since our loan was sold to Chase we have noticed an unusually high amount of late charges. I looked at my statement and they are charging us $122.82 over the payment amount every month in late charges. They also charge a processing fee of $20.00 everytime you pay by phone which is how I pay. I then asked if I could pay on line and they said that has to be approved.

I know the state of Colorado has limits as to how much they can charge and when I asked them what that was they had no idea what states allow it and what states don't. They just wanted their payment. Is there any rights that the consumer has towards these gauging late fees and processing fees??? I haven't paid any of the late fees but I know when I go to refinance (which I can't do until July 2009 because of early payoff penalties) they are going to add on these fees to the payoff amount.

I would like to know what rights the consumer has towards these fees?

Michele of Hurlock MD (08/22/08)
We already had an exsisting line of credit and have paid the annual fee. I called today to check on the interest rates and was told that the line of credit was blocked and that maybe my letter was lost in the mail. They told me that do to decrease in property values they could do this. We were planning to use the money to complete our upstairs. We have never missed a payment and have been a chase costumer for years. I was always completely satisfied with chase until now. I think that the are trying to rip people off. It is not our fault that they gave loans out to people that never should have been eligible. I went throught all the steps I had to do to get this line of credit, I don't see how when you are ready to use it they can take it away. I already paid my fees a year ago to get this and was told it would be available when I needed it.

Now do to chase we cannot finish our upstairs and improve the value of our home, plus we are out the money we spent to get this line of credit and the annual fee.

Ashley of Brookneal VA (08/21/08)
Behind in house pymts, 3 months, called and tried to get help, nothing! Sent in a house pymt, they sent it back to me, will not even take my pymt since it is not the total balance. Now trying to get a loan modification!

till waiting to hear from the loan mod.

Melody of Oakville CT (08/16/08)
Chase bought my loans (80/20 ARMs) from original lender. Feb 2008 filed for modification of ARM, told it takes 60-90 days (after countless times of speaking to them and not being able to find my request). In April 2008 became ill and needed emergency surgery, resulting in inability to pay mortgages. I called Chase to update and was told on numerous occasions that the loan modification department would assess past due balance with interest rate. Could not pay May payment either. mid-May received notice from Chase that they agreed to fix my rate to 10 percent over 30 years!

In the meanwhile had gotten seperate notification that ARM would be just over 9 percent! Called Chase IMMEDIATELY about past due amount and asked why it was not addressed, rep referred me to Collections, Collections told me to pay my mortgage current or would agree to split two months payments past due over two months only. Big help! That's paying double mortgage for 2 months. One rep advised me to reapply for modification for late payments, another told me that I am not eligible because I have already gotten one, and one rep told me not to worry Chase does not want my home. I have asked repeatedly for reasonable payment options to no avail.

My husband and I make decent money and have returned to full time work but they will not budge. I have filed for Bankruptcy because I couldn't keep up with creditors and ARM, now Chase won't reaffirm debt unless we pay to be current. Can you believe it? With the economy as bad as it is, they refuse any help, including refusing partial payments. House has negative equity-it would behoove Chase to work with us, but no departments speak with eachother and frankly no one there cares. Perhaps when they go bankrupt and their rude employees don't have a job anymore they will regret not taking hard working people up on their offers.

Crespin of Corbett OR (08/14/08)
My wife fell behind on the mortgage from May 2007 and never told me. Chase finance never contacted me at work or home to resolve the problem. Then I get a foreclosure. notice from Chase Mortgage. In october 2007. Me and my wife called them to arrange a modification on the mortgage loan. They told use it would take 60-90 days to process the request.

We contacted Chase Mortgage during the 60 to 90 day period and talk to countless people and left messages that were not returned. We finally recieve a contract in June 2008 giving us 7 day to comeup with a good faith payment of $ 2720.00.

Me and my wife came up with the payment and sent it Western Union. Chase recieved the payment but misplaced the payment on the account. We had to contact Western Union and Chase to clear up the problem. We resolved the problem with Alfred Agary a Chase Lost med. representive. Now in August 2008 they sent out a new contract wanting $ 2400.00 for attorney fee and misc. within 15 days.

My wife just lost her Dad on August 1 2008. We are trying to comeup with the $ 2400.00 but after the funeral cost it is hard until are next paycheck.

Chase keep dodging the answer when will we be on our new payment plan.

Carol of Pittsburgh PA (07/29/08)
My mortgage was sold to Chase and I had to set up payment arrangements when my husband lost his job and then we separated. No one at this company would help me. Then I had to get my payoff information and they told me that my house was in foreclosure and that I had to contact an attorney. My attorney said they should have never did what they did and this is a total nightmare. I have sent five requests to get this information and they will not send it to me.

My house is up for sale and my family is willing to pay for my arreages since I have only been making half payments. They will not disclose any information to them and we did a three way call. My attorney has sent letters and they will not respond to her letters either. If a business wants their money why won't they let us pay it. My brother and sister in law have tried to get the information - this is ridiculous!

I can't take this stress anymore and I don't know why this company will not disclose this information to me over the phone!

Julie of Sacramento CA (07/27/08)
Jan 18 2008 i was granted a loan mod frm chase,my loan went frm 7.9% to 5% my pmts went frm $1253 to $918.37 for the life of the loan. I received on Jan 25th, effective Feb 1st, 2008. I was makeing pmts of $918.37. My monthly statements never refelcted the change, i was told by chase loan mod dept. not to worry it takes time.

May 2008 i received a letter from Chase Home Finance, it said that my loan mod was cancled because i never retuned signed paper work..at this time i called HOPE.. I was then setup with a Nicole Dawn (with Chase) I faxed her a copy of noterized mod papers & DHL receipts signed for by a Chase employee on feb 2nd. Nicole told me that she notified supervisor of mod dept and she was told it would be taken care of. Mean while i'm gettin nasty & abusive calls from the collection dept. The just had no idea what was going on.. adjustments were never made. My statements show me behind 5 months. $6k+. but statement shows new rate of 5%..

I lost my job in April.. started a new job in May, I pd Mays pmt in June .. Now I am behind 2 mo. I owe June & July + late charges & thats all, i had to pay property taxed for April 2008, otherwise Chase would have. (Costly)thats also put me behind. I then called Nicole Dawn to see if she could help me with a repayment plan, I also explained to her that adjustments were not done.. she looked at my account and she was surprised.. and said she would email the supervisor again. I was to fax her a hardship letter as to why i need a repayment plan along with letter re: tax pmt. (1 paycheck) on 07/17/08 meanwhile i receive a call from a collector at chase. he could or would not understand what i was trying to explain about the excess charges. i had him call Nicole 3 way.. so she could explain .. i hung up & let them talk, i was on my lunch hour..everythings faxed & Nicole said Chase will fix adj. & review payback plan..

Friday July 25 i call Chase to find out status, after on hold, lost call, voice mail.. i finally spoke to a woman in lost mid..when i asked her my status she told me my mod would take 60-90 days call bk in a few weeks..again i explained I have a loan mod.. after 20 on hold she told me that my file was being reviewed.. could not tell me where or who I could speak to.. just call back next week..

NOW... saturday july 26, i receive 2 notices 1 saod YOUR HOME IS PENDIND PUBLIC AUCTION? recorded date July 22, 2008.. 2nd is a final notice from Lanphier & asso. I never received a first.. this all comes as a shock to me..I DO NOT OWE $6K+. Chase dropped the ball.. i need this to be resolved before i'm put on the street.. at 60yrs old.. for an error Chase has made.

Friday 25th of July my supervisor of new job less then 90 days warned me that i need to focus on my work.. I am makeing mistakes that shouldnt be.. so now i'm worried about losing my job, my home, not to mention just to surive with gas & food, lites, transportation. I have no medical insurance yet,I have chest pain, anxity 24/7, cant sleep,to tired to do anything, i cant focus, depressed & have let my self go..all i can think about is how can they do this to me.. will the take my home just because someone dropped the ball at chase..what will i do? i worked to hard this is my home i have been here 6yrs.. i'm to old for this.

Sharon of Saint Joseph MO (07/25/08)
Ok when i first bought my home i was not with this company i was with coldwell mortgage in new jersey.They sold the account to chase.Well i had it set with coldwell on my payment dates and when chase took over they took it on themselves to change the dates I was never told of canges.I was told that my payment would be considered late as of the 15th of the month so i tried to figure out how to do this since i am on social security and get my husbands benefits direct to bank on the 14th and sometimes it gets there on day before depends on way days fall.

So since that was the case she said well just mail them ahead as we dont get them for 7-10 days.I went to the local post office and they said that it only takes 3 days from here to phoenix.So i knew then it was in there office they just dont get it posted .Well i have been charged before in late fees but this really came to light this month due to a chain of events.This has caused me so much stress and i consider it a type of abuse to keep this up month after month.

I get a cll July 16th as to my payment i mailed on the 11th not being there.I was upset to say the least more stress for a cancer survivor i dont need with my physical condition.I said well i mailed it and i did i took it to the post office.She said well its not here.I said i am so tired of this should i send them return receipt requested and she said oh no i wouldnt do that just give it a couple of days and call again i think it will be here .So what could i do but wait.

I checked with them on the 17th and no at 4 of afternoon she didnt have it so i went on line at ten at night no it wasnt posted and then on the morning of the 18th at 6 of the morning there it was on the account posted..What !! i was shocked to say the least .She had it just didnt post it.Who knows how long it was there and then i get charged late fees for it not being there when it was there all the time.This is not fair.

Now im stuck paying late fees next month for there own mistake .This time i caught them holding it to gain the fees.They even had told me to mail it early and i said i need to have the money in the bank first dont i .Is that not intentionally writing a bad check.I figured the 11th mailing was soon enough for it to be there. giving it a 5 day time frame to arrive.I am very depressed stressedto the max and angry over the unfair treatment i am getting.This is abuse a senior dont need by any means and they dont seem to care.

Im totally depressed and upset all the time now i have physical problems from the cancer i had that stress makes it much worse.I feel it is elder abuse of some kind.

Michael of Charleston SC (07/23/08)
When we took out our loan a couple of years ago the loan officer talked us into a HELOC. He said it would cost us nothing and there was no early closing penalty. We figured Why not? Just in case. Not only have we received bills for annual fees since then but now we have paid our loan off and we are trying to close the HELOC. Early closing penalty? Yep - $405. They say the contract states a fee may apply. We should have looked closer but the fact is that a fee may apply does not mean it will and we were lied to by the rep in the very beginning. So far they will not budge on this issue. We will not use them again.

Joyce of Lithia Springs GA (07/17/08)
I have been having problems with Chase since January 2008. It was not until I met one of their Reps here in Atlanta, that I started, what I thought, was getting help from Chase. He gave my file to Ashley Rudolph, Research Department in Ohio. Chase has been saying that I am behind in my mortgage payments (I have a 1st and 2nd with them). I told them I was current. On June 23, 2008 Ms Rudolph and I went over all my payments since August, 2006 , at which time Chase acquired my mortgage from WMC, then Litton Loan Service, thru June 2006.

The conclusion of the audit was that I was 1 month behind on my 2nd mortgage but she was to reverse one payment that was mistakening applied to my 1st mortgage as additional principle(my error) and put it on the 2nd mortgage. Thus bringing it up to date. On July 9, 2008 I received a notice of acceleration on both mortgages demanding over $15,000 for the 1st and over $7,000 for the 2nd due in 32 days. My mortgages are up to date and I have the proof (bank entries. I have been disputing these delinquencies since January 2008 and am VERY TIRED and Weary now at age 67. Having a 87 old Mother with moderate Alzheimer's/dementia living with me does not make me feel any better under the circumstances that Chase has thrown at me. Plus living in Georgia (a non-judicial state) where you can be put in the street after 3 months delinquency.

I am now searching for a competent lawyer to insure that my Mom and I don't become homeless through no fault of my own. Consider this a formal complaint. There are many more details to this situation but as I said, I just am very tired now. I have NEVER in my 38 years of dealing with mortgages, mortgage brokers, etc. seen or experienced anything like this. Chase is TERRIBLE!

None yet, but any day I expect something terrible to happen. As it is, I have MANY sleepless nights.

Heather of San Diego CA (07/16/08)
my husband and i bought a house in san diego two years ago and and our mortgage has just gone to an adjustable rate. we have been trying for 6 months to deal with chase to have our interest rate fixed. they have lied repeatedly and claim to have lost our paperwork two months after we sent it in. the people are continually rude and don't seem to care about what we are dealing with at all.

i will never do business with chase again. ever. every time we call, we get the same response: sorry but we don't know when this will be resolved. so frustrating!

we are about to default on our mortgage.

Sherry of Williamsburg VA (07/12/08)
I am tremendously disappointed with Chase Mortgage! We are watching so many mortgage companies go under right now due to a very weak economy and housing recession. My husband and I recently had to move to another state with his job. His company could not buy our house because he hasn't been working for the company long enough. We are renting a house in our new state for a good price, but it is very difficult for us to pay both rent and mortgage. I am a stay-at-home mom and I can't go to work right now because daycare costs would eat up my paycheck.

We have been trying to sell our house now for almost a year (it was under contract for two months during that time and the potential buyers defaulted a week before closing). All of the financial advisors we have talked to strongly urged us to call Chase and ask them to work with us to possibly allow us to be able to skip a month or so of payments and then make those payments up at closing when we sold the house.

I can understand their inability to help, but the individuals I talked to on various occasions were flat our rude, inconsiderate and uppity! We have excellent credit, have never been late on a payment, and have been somehow juggling rent and mortgage for a year now.

It's amazing in a time like this how companies like Chase can be so rude! My husband and I didn't go out and buy a home we can't afford. We didn't get an inflatable mortgage. We've made smart decisions the whole way. I will never apply for a home loan through chas ever again.

Pamela of Ann Arbor MI (07/11/08)
We received a home equity loan Feb 2006. The payments lately have been about $480, We have always paid $600,however all of the $600 or $585 is put towards interest and NONE of the extra money paid over the amount due is put on principle. Isn't this fraud?

We thought we were paying extra towards the principle and instead they kept the extra as interest. Our loan should be paid down alot mor than it is.

Tracy of Nelson IL (07/11/08)
We have had our loan with Chase for approximately 10 years. We live in a 100 year flood plain and have always had flood insurance for the amount of the beginning mortgage. We received a letter stating that we needed to have flood insurance for what our house is worth, not just what we owe. They took what our homeowner's insurance policy amount was and that is what we have to pay for now even though the loan is a lot less.

We contacted our regular insurance agent and he had never heard of this. My husband contacted Chase and after much holding and different departments was told Chase was looking out for our best interests. We have lived in our town for our whole lives and only had minor flooding a couple of times. It might have flooded some basements, but nothing else.

This is really frustrating because this has almost doubled our escrow payment which of course makes our house payments that much higher. This feels like a scam and I am sure this has affected a lot of people. We do not know what to do, as refinancing at this time is out of the question.

Barbara of Jacksonville FL (07/10/08)
my husband died on 1-6-08 and chase refuses to recognize me as co-owner of the property even though my name is registered with the duval county clerk of the circuit court along with my husband's name on the same document with the same record date and instrument number i feel that chase is participating in predatory and unfair practices with this matter and i am powerless to do anything to stop this.

i am losing my home because chase is now saying that i don't qualify to apply for credit even though my name is indeed on record along with my husband's name

Steven of Vail AZ (07/05/08)
Chase will not apply my mortgage payment to the account if it is short relative to the increase in escrow taxes. They have cashed the check for the mortgage and half of the outstanding escrow balance. They have assessed a late fee and posted a late payment.

Late fees assessed. Credit rating affected.

Vincent of Wantagh NY (06/29/08)
Due to financial struggles, I have been late with my mortagage payments more often then not over the last several years. I have consistently paid the mortage within 30 days of being late. My question is, do I have any rights whatsoever when dealing with CHase Mortgages harrassment. They call my home and work number,(cell Phone) 12-15 times a day. It is an absolute onslaught of psychological warfare. After talking with mutliple customer service people and trying to explain my situation I get no cooperation. They have disrupted my ablility to work, caused enormous humiliation to my wife and I, and have stressed out my family and children. Even when I make an arrangement and promise to pay on a certain date, they still continue to harrass me. I understand they have the right to collect the debt, and I am trying to desparately get my payments on time, but i want the calls to stop. Can I request all corespondence to be in writing? Either that or I will change all my phone numbers. I can get phone calls from people from 5 different locations, some in South America. Please offer some advice.

Stress, embarrassment, humiliation, inflexabilty, waste of time and energy, disruption at work(jeapordize my employment!), stress and concern of my children, nonproductive interactions.

Arturo of Laredo TX (06/27/08)
For some reason, Chase decided to pay my taxes. I didnt send tax statements. The tax office didnt send them either. I know because they dont have any phone numbers or address for chase or any other than myself.My original monthly payment is 750.00.I know pay 1154.00. I was told by chase that as soon that I payed them the taxes they would remove my tax escrow. I payed them 2 months ago and still paying 1154.00. I keep calling and sending them letters asking them to remove my tax escrow. I just get the run around. I dont know what else to do?

over stressed and I cant keep up with that payment. I owe money to family members.

C.steven of Ft. Wayne IN (06/24/08)
We have had 2 mortgages through Chase since October 2003. Recently we received 2 offers on our home, that we have tried to sell for the past 2 years. The bank harrassed us by phone on a daily basis throughout the entire time that we have been waiting for them to accept a quick sale to avoid foreclosure. The home that we are in now, was purchased and we wanted to put our 1st home up for sale by owner and Chase informed us that they would help us with a bridge loan if we listed with a realtor.

As soon as we signed and listed with Coldwell Banker, Chase informed us that the loan was not an option (lie) After dealing with 2 different realtors, and only owing about 89,000 on the home that we bought for 129,000 and paid escrow into, CHASE informed me through the 2nd mortgage holder (Michael Suarez) and I quote, I don't care if your home forecloses or not, cause I have 90+ files on my desk He was very uncooperative and never called back. He asked my wife to okay a budget and to accept a proposal and disclosed the loan number to her. She is not on the home as a buyer.

CHASE offered to submit an offer to expedite the quick sale and lied about the amount and I quote again, We usually accept 10-15% of the balance, so if you will agree to $4500. I will submit the loan offer (Michael Suarez) Well, the balance due was approx. 27,000 and I believe that 10% is 2700. and 15% is still less than $4500. I am outraged!! CHASE would rather lose an offer for 112,000 and accept an offer at 102,000 or less. I really believe that they are waiting for a foreclosure? A couple looked at our home and discussed having knowledge that our home was going to foreclose?

CHASE LIES and HURTS HONEST HARDWORKING MIDDLE CLASS AMERICANS! This is an embarrassment and a huge set back to anyone who is trying to live the American dream of home ownership. CHASE is in 60 countries and there is no continuity between any office or department.

Anyone that is interested in filing a class action lawsuit can contact me and I will be happy to do whatever I can to help. I am already prepared to contact my State Congressman and have emailed government officials in Indiana

Tom of Austin TX (06/23/08)
In 2002 I refinanced my home with a Chase HE loan retiring a BOA loan. In 2003 I refinance the 2002 HE loan with another Chase HE Loan. Chase completely mismanaged the loan by applying pre-payments of principle towards interest on 17 occassions during the first 36 payments. In 2005 I noted how messed up the account was in that it show me being interest rich (i.e. pre-payment of interest). I asked Chase to fix the account, find a way for me to make a prepayment of principle, and credit me for the interest that I had paid through the misapplication of funds.

Over 2005-2008 for every pre-payment amount I had to call the Chase mortgage group and they had to open up a work order in order to apply funds correctly. This added 10-20 minutes of my time in dealing with chase every month. In 2008, after dealing with Chase for 5 years on this 20 year note I decided to retire this note. When I asked about a payoff I was given one number + the daily interest amount, then when I called to confirm the final amount a new number with an additional $320 was presented. In discussions with Chase it took them 3 days and 3 people to review the account it was determined that the account was 'messed up' and interest poor and therefore I owed $320 in interest since they mess up the account in 2005. I was forced to make this payment in order to close the account.

I have had many discussions with Chase at the local level and executive resolution group. The person that I have dealt with at the executive resolution is Melissa Reed. She initially stated that she saw the numerous errors and problems with the account and that Chase would work with me to recover the $320. Here it is a month later and she is offering me $55.12 as a refund of overpayment. Adding insult to injury Chase wants $20 to close out my Deed of Trust. I have scoured my loan agreement with Chase and nowhere do I see a fee for Chase not to withhold my deed of trust.

I maintain a large sum of money in savings and investments with Chase and have seriously questioned Chase's ability to manage my investment money if they can't manage a simple interest loan. Word of warning with Chase (and any other lender), make sure your prepayments are being applied appropriately. From my impression with talking to Chase people this issue is across the board and chase is making millions by misapplying lendee's funds.

Craig of Canton GA (06/23/08)
chase home finance did an escrow analyst and basically ripping me off out of $1,000.00 of my money from over payment of last years escrow payments. when contacting their customer service you always speak to hardly speaking people in the phillipines (great knowing phillipines have access to my mortgage info)

I would not recommend them for home mortgages and I am in process of refinancing my current mortgage with another company that cares about their customers. will refinance and get away from Chase

Robert of Cranberry Twp PA (06/22/08)
I had a mortgage with Chase Manhattan Mortgage opened on 11/1998,until 01/2006 never late on one payment. I sold the house in 11/2006, and the closing was delayed Chase Manhattan was called by the closing company advised there was delay in the closing when they called to get final pay off Chase advised that was fine there would be penalty because of the delay.

SO the closing was delayed Chase was advised even said it was not a problem but gave me a bad mark on my credit report of 30 days late. I have no proof of there statement but you would think that since they got full payment and out standing payment record for for the time of the loan also showed paid as agreed closed paid in full. I think this was unfair treatment on there part yet there is no way to defend my self even tried to get the credit reporting agency to investigate and that was a joke. This over all information hurts me from getting good low % rates.

Donna of Robert LA (06/03/08)
Mortgae payments made evry month on time. March payment was held and not applied to account. Late charge assessed. Payment for April was paid to account with late fee assessed. Shortage on escrow. Payment to insurance. Payment made in may was applied to escrow and none to normal payment schedule. Still owe payment for March and May. Payment for March and April was applied as one regular payment and one large payment to principal. I am at a loss to how this account is being handled by Chase. I cannot get anyone to pick up the phone for this problem. Please help!

Steven of Portsmouth, VA (05/24/08)
My mortgage was on military allotment and Chase said that they had not received payment several times that they had, or they would hold payments saying thet they weren't received until there were late fees due.

I ended up in foreclosure with nobody believing that I was being ripped off until after I was forced into a $40,000 bankruptcy. My brother started paying them for me out of a trust account set up through his law firm. It has since been determined that THEY were in error, but I'm still out 40 grand.

Angela of Paulsboro NJ (05/13/08)
My husband and I purchased a new home in May of 2007 from Weichert. At settlement we made sure there was enough money in escrow to pay taxes, insurance, PMI, etc. Weichert then sold our mortagage to Chase. We have lived in our house for 1 year, and Chase has not paid our property taxes yet. I found out that they did not pay any taxes about 6 months ago. The tax biller gave me copies of all the notices they sent to Chase Mortgage, and I have been checking in with the city's tax biller and Chase each month to see if the taxes are getting paid. Chase Mortgage keeps saying either they did not get a notice, or that's getting paid in a few days. Well, here we are, one year later, and my city tax dept. let me know we owe $5,000 in taxes that have not been paid. (there are late fees included).

Chase is now saying we do not have enough money in escrow to pay all the taxes and started spilling off other payments that come out of our account - some of which I have never heard of. It has been 3 hours and we are st Can someone please help??? At this point, Chase should be paying my taxes out of their pocket! My husband and I have paid everything we were supposed to. We had the funds in escrow at settlement. Where has that money gone?

Chase is now telling us, almost 1 year later, that the taxes are OUR responsibility and we need to pay on our own...excuse me, WHAT? then what is the point of escrow? the rep we talked to 30 minutes ago said they would pay the taxes, and then we would have to pay chase back.... I feel physically sick right now. No joke, I may have to go to the hospital.

Alan of Agoura Hills CA (05/07/08)
Long story short: Chase mistakenly assumed I was late with my Property Taxes and paid them for me and set up an escrow account. I have been unable to close the escrow account even though I have sent numerous letters and faxes to anonymous deparments and people at Chase all to no avail. They now are threatening to foreclose my house even though the peple I speak with admit I am fully paid up on both my Property Taxes and mortgage payments.

This has been going on for over a year, and they have damaged my credit by reporting this to the big 3 agencies. I am at a loss as to know what to do, nobody seems to care that this is causing so much consternation. I think I need to borrow the supposed amount to get this to go away in case they steal my house. But what would be the chance of ever getting that money returned? Thank you

Damaged credit and enormous amounts of wasted time dealing with this issue

Joel of Chicago IL (05/06/08)
I bought a home. Chase purchased me loan. Chase is escrowing my taxes. My first contact with Chase to ensure my March 1, 2008 taxes would be paid was on February 5, 2008. A work order was opened at that time. I have called many times since then. Other work orders have been opened. They have been expedited several times.

I spoke with Myrna on 4/28/08 who said she would see to it my taxes would be paid and would call me on May 1. I double checked that she had the correct phone number. She verified she did. I received no call. I have left several messages with Mr. Martin and Mr. Komeer requesting phone calls explaining the delay. I have received no phone calls. I have spoken with Andrew, ELia, Lakindria, Lakisha, Kenya, Glenda, Myrna, Andrea, Shirley, Joey, and Marlin in the Phillipines. I have spoken with several of these people more than once.

Why are my taxes not being paid? When will they be paid? I am in danger of losing my home because you have not met your fiduciary responsibilities and contractual obligations. I am going to Chase headquarters here in Chicago tomorrow morning and speak with someone about this. If I do not get satisfaction, I will get the name of the person in charge of mortgages in New York and go speak with him or her.

There are penalties added to the mortgage payment each month they are not paid. I am in danger of losing my home if they are not paid. Why are my taxes not being paid? When will they be paid?

Matthew of Atlanta GA (04/29/08)
Received an offer for good home equity line. No closing and 4.49% rate. I was preapproved with high income and 780 credit score. They would not come close to the rate offered in letter claiming to get the published rate I could only borrow 75% of homes value. That fact was not published. When I was able to show that I wanted to borrow only 72% of homes value they still came back with 5.5% interest rate. This is definately a case of marketing fraud and I am sick of it! 1-1/2 hours wasted thus far.

I will just go elsewhere even if rate is higher. They have lost my business FOREVER

James of Hesperia CA (04/28/08)
I'm a small contractor in Calif. I repaired a home that was damaged due to a small kitchen fire. A check was issued to the homeowner and Chase Bank in order to pay me. Its been over 45 days I cannot reach the homeowner because she does not live in the home, the insurance company said they have fulfilled thier obligation and Chase Bank will not even tell me if the check was ever signed, if it ever was recieved or if the homeowner left with my money. I've paid for all the material and labor.

The amount due to me is over 20,000 dollars. In these tough times I could lose my home waiting for a response.

John of Mentor OH (04/21/08)
In August 2007, we had damage through out our home due to water. The damage included an upstairs bathroom and hallway; kitchen ceiling; kitchen cabinets; hardwood floors throughout the first floor; wall paper throughout the kitchen area; custom made window treatments; and numerous items that had to be replaced. Our insurance company, State Farm Insurance has been paying our claim damage by checks that are made out to my wife and I and Chase Home Finance. Since Chase has our mortgage, that is the reason Chase is included. We have to endorse the checks and send to Chase. Chase in turn holds on to the money. We are doing the contracting ourselves and therefore need the funds to do the work. Chase's Loss Draft Department stipulates that they give you only a portion of the funds, but will release funds upon certain levels of completion. But in order to get to a certain level of completion, we need the funds Chase is holding to do the work. We can't get the funds because we are not at the level of completion Chase stipulates.

We have asked for some funds but Chase requires invoices; orders; and may require an in house inspection to see if we are at 50% repair completion. That will be next to impossible, since Chase has not released funds to purchase kitchen cabinets; kitchen cooktop; sink and faucets; microwave; etc. As a result Chase is holding on to $20,000.00 of money paid by the insurance company to us for the damage. I have sent over 10 letters to Chase regarding supplemental checks paid to us; documented paperwork Chase requires and still no money released to complete the repairs.

Since August 2007, we have lived in a house that has a bathroom completely torn down to bare walls; bare floor; no vanity/sink/faucet and no use of shower. The kitche