Chase held 2 payments that I made for more than 20 days, then "accidentally" posted them to my escrow account, where there was no shortage. This made it look like I was 2 payments behind. Meanwhile, they insisted that I never made my payments to begin with, even after my bank called them and said that they had cleared the funds to Chase. Soon, they started foreclosure proceedings, at the same time telling me that they would resolve the issue. Every time I called, I spoke to someone new, who usually couldn't find my file. Eventually it was discovered that they had held my payments for so long that they went into my escrow. I was told that they couldn't reimburse my principal and interest account, due to the way that the funds are so " diversely applied." I asked how they were going to fix it, since it looked like I was behind in payments, and they had started foreclosure proceedings against me. They claimed that they couldn't "just stop" a foreclosure complaint once it started, and that they would have to re write my loan. Bear in mind that I would have never chosen Chase as my bank, they bought my mortgage from Wilmington Finance. I was also informed that I qualified for a reduced payment through Obama, and that this would cut my payments in half. I briefly saw a ray of hope shining through the smoke that Chase was blowing in my direction. A year later, after paying on time my new payment every month and waiting for underwriting to complete the paperwork ( and by the way, twice during that time I was told that their accounts manager "personally flagged" my account for being 2 months behind, when I was 2 months ahead...wait! That sounds familiar! Isn't that what started this whole mess to begin with???!!!We actually had to count together over the phone like we were in kindergarten each payment with each month for them to see that I was ahead! Gee, I wish I had had that opportunity the first time around!) I was told that they couldn't fix the problem, and that I didn't qualify for any programs that Chase has to offer, and that they want the other half of all the payments that I made over the last year since they wouldn't be re writing the mortgage( a sum of over 12, 000.00). They could break this huge payment into 2 convenient monthly installments, but if I can't pay, they will foreclose...Now I was sent a letter that I might qualify for a short sale program, where it is possible that I could agree to sell my home for less than I owe, receive 10, 000.00, and no longer be responsible. when I called about this offer, I asked how I find out if I qualify. I was told that if I got that letter saying that its possible that I may qualify, consider myself qualified. I was also told that there would be no contracts for me to sign or proof of our agreement. When I asked how I would know that Chase would honor any agreements that we might make, they informed me that the offer letter saying that i MIGHT qualify was all I needed. HMMMMMMM...