We have been dealing with Chase Home Finance in President Obama's (Making Home Affordable) program since Sept., 2009. After a year of lost papers, faxing, mailing and refaxing information we are approved for a loan modification - but after our property was sent to an attorney for foreclosure. We would not be in foreclosure but Chase refused to take any payments from us AT ALL during the loan mod process.We were served with a summons and answered it and while waiting to hear about the result, that's when we got the Fed EX package telling us that we were approved for a 3 month trial. 3 days after we receive our approval, we received a letter by snail mail that we were denied!!! I called Chase and they said that the second letter was a mistake. I called their attorney's and they said that the sale date for our property was moved back until February but would do nothing about stopping it without Chase telling them to do so. I have called Chase on numerous occations to ask why they haven't stopped the foreclosure, but can't talk to anyone that knows anything.

I called Chase to make a payment (3 wks before the payment was due) by phone as the approval states that we can, only to find out that we can only make payments by Western Union, cashier's check or money order. Another misrepresentation by Chase. When I asked why, they said that they didn't know. I asked who would know and they didn't know who would know (The Marks Brothers "Who's on first").

So following the orders of Chase, I went and got a Cashier's Check, made a copy and sent it in with the coupon provided by priority mail with confirmation that Chase received it.

We received a letter from the attorney's handling the foreclosure saying that there were alternatives to foreclosure, including an MHA, and we should send them a financial statement. We sent another answer to them stating that, yet again, we were already approved for a MHA. We included a copy of the approval packet, a copy of the cashier's check and stating that Chase had all of our current financial statements and they should consult with their client to get all of our current information.

Whenever we have tried to contact our "relationship manager" we are unable to do so. After going through the dog and pony show including the loan number, name on account, my name, my relationship to borrower, property address, our address, whether we reside at the property (duhh, the 2 are the same), phone number, alternative phone number, what I had for breakfast (no, just kidding), whether we plan on keeping the property, and then "how can we help you today"? When I ask to speak to my relationahip manager, they say that she is unavailible but that they can help me. Problem is, everytime you call, you speak to someone else and get a different answer.

I have found out that everytime another paper is faxed or mailed, it goes into a different file, and depending on who answers the phone, as to whether or not they CHOOSE to go through all of the files on record to try to answer your question. Some just take the most recent and when you question them get very defensive and refuse to go any further. You may get put on hold for as long as 7 or 8 minutes, or even disconected.

We are still waiting for an answer from the court on the summons.

I know that there are many people in the same boat (or worse) that are trying to deal with Chase. Is there a class action suit that we can get involved with?

If anyone knows of a class action suit against chase home finance, please forward the info to me at: [email protected]
i have been lied to numerous times about my modification request and my home is headed into foreclosure. i live in arizona were thousands of homes have been foreclosed on and i am determined to not let my home be another nameless foreclosure. any helpful information that anyone knows of that they can forward on to me is much appreciated. i have an open complaint in with the az attorney generals office already and have filed an occ complaint too. thanks

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

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

where can we get up to date answers for help on chase home finance modification scam. seems like we are all riding along on this titanic journey waiting for the final
boot!