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Chase bank morage modificaton a joke

Chase has a lovely online video that that says they want to keep people in their homes but it's a lie. I have been working with them since 9-18-09 to modify my loan after my husband's stroke. They have lost paper work, requested the same stuff over and over while my paper work sits unprocessed. Even after we started a trial modification they are still requesting the same documents again and again saying that they are outdated as they haven't had time to process the information. Come on it's been five months I'm paying them the amount requested as well as having sent them the necessary documents not once or twice but in some cases five times. Why can't the get the job done? I don't think that want to. We as taxpayer bailed them out the least they can do is be honest when dealing with us. I am so fed up I'm putting my house on the market so that I can pay them off and move on. My advice, bank with a local bank and forget the big ones,they don't care about average middle class people. Linda
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2 comments
Anonymous
#669194

it is almost as much of a joke as you not being able to spell mortgage properly!

nrsrchd
#119240

First they are not designed to help but bring us to our knees. Now may I ask why would you want to modify your loan when there may be fraud in your mortgage that you were not aware of.

You can take that fraud and make those that broke the law pay rather than you paying them to defraud you. When the banks break the law they owe YOU money, it says so in the law. The way to show they broke the law is in auditing the paperwork. A forensic audit performed by certified professionals can go over mortgage documents and find the violations of the law.

Since a crime may have been committed you need to treat the paperwork as such. From the audit then a letter asking for more information or a rescission letter asking for the return of ALL money paid in and for them to divest themselves of all claims. From there litigation paperwork can be created ready to file into court. They do not want their violations of the law before a jury of 12 homeowners who may wonder if they were defrauded as well.

See all the "MISTAKES" they make like losing document etc may be more than that, it may be intentional which is fraud. endlessfrauddetection.com contains example after of example what the law says when it come to mortgages. The site will be changing in the next few days so if you visit once and it is different the next that is why.

If the people are going to take back this country we need to do it one home at a time with the law. When you have gone through the site and see just what you can do then contact steve@endlessfrauddetection.com to start taking back this country one home at a time.

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#172123 Review #172123 is a subjective opinion of poster.
Service
Chase Bank Loan

Chase Bank in Springfield, Massachusetts - CHASE OFFERS LOWER RATE TRANSFERS THEN DISHONORS THE CHECK

Chase offered me a balance transfer opportunity that I used to pay a Bank of America card. My credit history is 100% payments on time my entire life to all accounts. When presented the check by BOA, Chase arbitrarily dishonored the check after deciding to reduce the available line amount after "careful" review of my present credit situation. I got notice of this decision by letter from Chase after I sent the payment so BOA is charging a returned check fee and late payment fee. Don't trust Chase to honor balance transfer checks. They may not honor the payment even if you follow the rules of the offer and have room on the available credit line to use the amount. Chase is a deceptive company and clearly uses unfair business practices that cause penalties for those that may use their services. This is typical of all "fat cat" banks these days. Be very vary of this possibility if using balance transfer checks. They may pull the plug on the payment and fees will be incurred from the party being paid.
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#172025 Review #172025 is a subjective opinion of poster.
apr from 8.99% to 13.24% they blamed the government and lack of account use. I have been loyal customer for years and never late on any payment. they want me to call back in a month and beg for a lower rate. it all boils down to greed. i guess they thought i...
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5 comments
Anonymous
#289911

Chase attempted to increase my rate as well and unfortunately I did owe. Fortunately I caught it in time to close the account and maintain the 9.9%.

They send out a separate letter from the statement but they send so many offers I didn't use to pay close attention and you only have X number of days to basically say "do not accept" to the new rate. I still have to pay off the cc but they can't change the % on what I owe and I can't use the closed account which is not a problem.

Two years ago Capital One did the same thing to me but I didn't catch that one so I watch more carefully now.

I just had a nice surprise with my Costco AMEX that they lowered my rate. So far CitiBank has been good.

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#171715 Review #171715 is a subjective opinion of poster.
Product
Chase Bank Account

Chase Bank in Houston, Texas - Removed money from my bank account

they represent them selvs as card services and then you pay and then they ask if you want to pay on another account. Then they take money form my checking accounts . I have had to change debit cards once before on the same company . I am going to instruck my bank account with Chase Morgan and tell them to never allow them to take a single penny from my account again. Household bank platinum is a frautulent company .I don't ever plan to pay them another *** red cent .please advise folks about this situation ,Thant you very much and I appreciate the help . .
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#171470 Review #171470 is a subjective opinion of poster.
Product
Chase Bank Checking Account

Chase Bank in Saint Louis, Missouri - Ready for class action vs Chase over loan modification

I'm in the same boat with the rest of you regarding Chase's Federal Home Loan modification program. Have gotten nothing but runarounds from them for almost a year now. You all know the story, you've all lived the story, now let's do something. I can be contacted at jtwsubs@gmail.com. I don't see what we can do except revolt. The problem is that, since we're all looking for loan mods, we must not have much money and lawyers cost big money. Need one to take this on a contingency basis. Whenever you're ready, I'm ready.
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Review
#171439 Review #171439 is a subjective opinion of poster.
Service
Chase Bank Loan

Chase bank is a theif

I agree with so many Chase Bank will hold my direct deposit hostage when my employer clearly tells us that it is sent on Thursday and if it is a holiday the day before. Chase Bank will hold back the deposit until the next business day knowing most people will make purchases based on that. I began to wait until the following morning, Friday, to purchase gas for my car, when they discovered that, they posted my purchase before posting my deposit even though my deposit was clearly sitting there first. This is robbery. If we were to hold back a payment from them they start calling after 5 days and call and call and call several times a day. Creating undo stress which they state well if you would pay your bill on time then we wouldn't be calling you. Although that is true, they do not put the customer first, they put themselves. My account was accessed by an out of country person who begun to withdraw funds from it. Chase did help get the funds back, but then charged me in the overdraft fees from the funds that were taken stealing every cent that was taken for themselves. I am switching banks when my refund comes in and will never look upon Chase bank again if my life depended on it.
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Review
#171394 Review #171394 is a subjective opinion of poster.

Chase Bank in Mount Prospect, Illinois - Washingtonmutualbank

washington mutual bank sucks big time.i can't find anyone with a brain. did wamu fail because there all ***. or are they just ***????????...i have tryed to get a modification on my home that is upside down i,ve tryed for months to get someone to look into all the facts in my case . i have faxed all the information to them that they asked for not once not twice not three times with there responce they didn't get any fax. i can't tell you how many long distant phone calls i've made i also have the reciepts that says they recieved them.in a way i want them to take me to court where i can make them look like the dip *** they are call me for more info @ 847-255-1421 if i could i would like to take down chase bank with them call me!!!!!!!!!!!!!!!
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Review
#171340 Review #171340 is a subjective opinion of poster.

Chase Bank Exposes Me to Identity Fraud

On January 12 Chase Investment Services informed me that my personal data had been viewed by an non-Chase employee. As they suggested, I filed a fraud alert with credit bureaus and signed up for Chase Identity Protection. On February 2 I received a letter saying they couldn't enroll me in identity protection and that I must sign up on-line. So let me get this straight. Through carelessness and lack of concern for my welfare, these boneheads make my their database available to identity thieves and now I'm supposed to put more of my personal data up there! I find their arrogance infuriating.
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1 comment
Anonymous
#135740

They are pushing up the rates on all thier loan account even credit cards, I was able to change out the morgage, but I have a 3.99% fixed rate on a consolidation balance tranfere loan on my chase C.C card with a balance of now of $22000 (started at $32000 two yrs ago), where I paid min. of at least 2% = $440 a mo.

(paying extra when I have it), well they chase decides that since they could not get away with ripping me off on the morgage, they would try to rip me off on the C.C. account. First the increased the min. payment to 5% in mid month after they had sent me the the monthly statement w/$440 min.

payment. I sent them $500 and they gave me a $39 late fee and said the min. was now $1010 and I owed them $1580 min. next mo.

or they would default to 29.99% interest.I paid them $2000 to clear and back payments. I asked them why and the supervisor accually said it was because they were not making big money on me. The supervisor after paying down $2000 also, offered me a 9.99% changeover rate for 2 years w/ a 5% bal. trans.

on the now $20000 = $1000 fee. This was an Chase trying to default the account to 29.99% or 2.5% monthly interest., then when I cought up with my emergence fund, they tried again w/ a higher limited time rate W/ A $1000 FEE TO BOOT!! I told them that they had caught me off balance, but I would stick with the low 3.99 year for the life of the loan, that I would just be paying it of quicker and each payment bring the monthly min. down.

If you have any kind of loan, C.C.,morgage, or business loan , transfer the balance to another bank as so as posible, and if chase really gets you behind the money train eightball, going bankrupt is always a option. Avoid doing business with them if you can!!!

Review
#171078 Review #171078 is a subjective opinion of poster.

Chase Bank in Vernon, New Jersey - All time LOW!

My checking account was victimized by fraudulent/unauthorized charges causing my account to go into the negative. The issue will not be resolved until Thursday February 11 (2 snowstorms have compounded the problem). We realized the problem on Saturday Feb 6. Our Chase Rewards MasterCard February payment was due on Feb 9. I called Chase on Feb 9 and advised them that my checking account has been temporarily frozen pending an investigation, and therefore I cannot make my payment. The customer service rep actually had the audacity to suggest that I borrow the $200 from a family member or frield so that it can be paid today. She went on to tell me (in her limited English) that there is no guarantee that they would waive the $39 that they would go on to steal from me because my payment wasn't made on time. I proceded to lose my mind on the phone. I was mortified that she would make such a suggestion. I asked her that since I do not hang out in the Vanderbilt or Kennedy social circles, I do NOT have family of friends to borrow $200. Note that the aforementioned suggestion was proceeded by this same rep asking if I had another checking account. Well, DUH...If I had another account, this would be a non-issue, and I would NOT have called. It is beyond belief how such a huge conglomerate can be so arrogant, and offer such mindless solutions. I will grandstand this issue. I will advise JP Morgan Chase's investor relations and Board of Directors of this. I will also advise President Obama, Senator Dodd and several other government regulatory entities just exactly how Chase is responding to the economic stimulus and how committed they are to helping hard working Americans
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Review
#170805 Review #170805 is a subjective opinion of poster.
Product
Chase Bank Checking Account
In September 2009, I started a refinance at the request from a mortgage loan consultant from Chase Mortgage department. A Cassidy X Sobol started the process and requested a deposit of $750.00 which I paid as requested. I submitted all the required paperwork and...
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9 comments
Anonymous
#660170

Follow Cassidy's example.. He understand when fees should be waived due to circumstances out of my control, and he placed priority/urgency when needed.

Cassidy was a great help from start to finish. He understood the frustration that was involved for me and my family, as the purchase was a short sale and was a long and frustrating experience. The delays were out of my control, so we weren't penalized too severely for the extensions. He and others helped to get the closing organized in the span of a day to get the HUD approval completed to keep our closing on track when everything finally lined up.

I was frazzled and about ready to have a nervous breakdown by that point, but Cassidy got it done for us.

All of your employees could learn a lot from Cassidy about improving customer service. Truly a great job and a star employee!

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Review
#170594 Review #170594 is a subjective opinion of poster.
Service
Chase Bank Loan
Loss
$750