Chase Bank does not care one bit about their customers, the American people, the families they are affecting or the overall economy. The rest of the world could burn as long as they get their bonuses.
After paying my 15 year jumbo mortgage down by more than $200, 000 in 7 years my business slowed to the point that I had to decide whether to skip a mortgage payment or feed my family. I chose to feed them. I sent faxes, letters and I spoke with Chase numerous times. I explained I am not showing enough income to qualify for a modification right now, but all they keep saying is apply for a modification. These drones have not minds and no brains. They continue to send paperwork about a modification.
Nothing they do is for the consumer, it is all about what will be the most profitable for them. People that bought no income verification with no money down that are under-water in the value are being given a free ride because they can not foreclose and make money. I have equity in my home and I miss a payment and they are on me like flies on %$#@ and then when I hit 60 days down they start the foreclosure threats. NJ is a judicial foreclosure state morons, it takes an average of 944 days to foreclose (second worst only to NY at 966 days) so by the time you get this property it will be full of mold, rat infested and falling down.

Chase Home Finance. Let's face it, none of us get to choose our Mortgagee - they get sold so often, you end up with what you get. In my case this was Chase, unfortunately. At some point in the past 6 months, they just stopped paying the insurance (for which they are collecting via Escrow). Several calls to them gives me the run-around. In summary, yes, they are collecting insurance into escrow. And no, they are not paying insurance. My question is why??

They were kind enough to suggest I should be happy and consider this "an interest free loan". Excuse me, I'm the one giving them cash up front for bills they are not paying!

I eventually had to pay for the insurance to get my house back into the safety zone, since it had been cancelled. All the while, I'm still paying Chase for the insurance as well.

I requested escrow be released and to pay taxes and insurance myself, so I don't have to pay for these things twice. They denied my request. So, I'm basically getting robbed every month by Chase Home Finance, and there's nothing I can do about it.

Stay away - if you can.

I would like to find out if there is a government agencies that I can file a formal complain against CHASE.
CHASE have been giving me a run around w/ my home loan modification.
I would like to find out what other options I have. Per Pres. Obama's program, the bank should be helping us to reorgnized our loan.
I have been calling almost every week. I don't know how many times I faxed all the requirements. I was told that my application was denied bec. I don't make enough. Exactly my point, since I am the only one working at this time, I want to extend the life of the loan so I can afford the monthly payment.
Can someone help me, please.

I have been trying to get a home modification with Chase home finance who hold my mortgage. The first time I started with the paper work, I mailed it in certify and did receive a returned notice stating that it was received. Three months and tons of phone calls later, I found out that my modification paper was just discarded in a pile of paper they call it " the miscellaneous pile". So I demanded to talk to a supervisor, after 45minutes of waiting, the supervisor finally came and told me that I have missing pages from the original application. I know this to be a bunch of crab...because when I started the application I printed from their own website and it has a checklist, which I checked it and make sure I have all the pages before I sent it off to them. So I did faxed in the missing pages as requested by the supervisor. Two months went by with nothing from Chase, I called in again and found out that I also have some missing paper, this time it was 3 difference other missing pages that they didn't mention 2 months ago. To make the story short...they are not interested in working with anyone, not even someone who has never had a late or miss payment in the past and still haven't been late yet. I have used all of my savings to make the payment after I lost my job. Now with only one income I am no more saving. I am unable to make the payment anymore if they didn't give me any kind of modification, I fear that I might have to give them the house and move on. Where is O'bama and his so call "help for home owners"? Maybe instead of giving our money to the bank, they should give us the money.

Mr. Jeff Bartel, Chase Special Credits Officer called me and talked to me that morning, 11/12/2009, and I remembered very well what he told me in our conversation. I was confused because I didn’t know why Chase was calling me for 9740 properties. (I didn’t know that USB has closed) and I didn’t know that Chase has taken over the loan. Jeff Bartel just didn’t explained to me why Chase was calling me except for the payments, I asked him how come Chase is calling and not UCB. I shall quoted what he said”…. It is because of you, the bank crashed…” in his exact response. I can tell he is a debt collector, a professional one. I was explaining to him I have financial difficulty and I wanted a lower rate on interest payment and I have in loan modification, but I didn’t think he is interested in hearing my story. He is a real credit collector, an officer and a specialist by his title. He left me his phone numbers and told me that he was my contact. He had not called my again until last month with all those harassement and threat by the receiever, Mary Hoopes, and court paper served to my home. I searched and found his name and phone number, so I called him and wanted to find out where I was at in the foreclosure proceeding. Then it was only the second time I got his voice mail about my property in Oakland will be foreclose in mid of May this year. I am still in pre-foreclose period.In these recent months, I received tons of letters from realtor for short sale. Lawyers for loan modification process. Everyone claimed that they will give me good result with 100% guarantee. The XX law group charge me $15000 for the property in Oakland. They have been pushing me on signing the contract and paying the installment retianer. I was hesitating to pick them because they are not in the Bay Area. They haven’t been asking for any documents from me except they tried to talked into signing the contract and they now want a revision of the contract after $15000 still they couldn’t give me 100% guarantee now. The risk is on your own after the fee has been paid and the work may not get the result I wanted. (I learned from a lawyer that the average price range to do loan modification is $3000 per house. )

I want to complaint about professional misconduct of Bruce Cornelius Bar # 065525 for intentionally obstructing justice me and having my legal representative appear in court. He is a lawyer by profession and I am not. I did not get a chance to defend myself or hire someone to defend me on my behave. Even a murderer can a legal counsel by public defender. Why I couldn’t have a chance to do so. Here is why I said that
On 2/16/2010 at 9:00 am, I got a 5 min call from Bruce Cornellius, just like all the debtors phone call I have, they told me that they are lawyer and they are going to sue me in the Alameda court house and he said “ …you ( meaning me) don’t have to be there…. ”
I said to myself, if like you said I don’t have to be there, then why do you call. It must not be important. I have never receive any written message from any law firm nor ever heard of his name before. His statement” you don’t have to be there. “ is intentionally misleading to me . He never explain what is the court appearance for. If someone call up and said, send me a $1000 cash by putting in an envelop and mail it to the P.O.Box #. Would you follow the instruction and do that. Isn’t that now lawfirm are not providing any local mailing service to the staff lawyers. I don’t know what this court appearance all about. The court day was Feb 18, 2010. Two days from this call. I can certainly get some kind of mail overnight. I haven’t heard of his name prior to this phone call. Nor I was service. I do get threatening calls from collectors, like the debtor collector officer, if you don’t pay. You will be sue by a lawyer. But what is true and what is not true, a lot of these phone calls everyday. I told my lawyers. I wish I am dead. They are driving me crazy. There is only so much I can take from Chase. I tell you, from the same court house dealing with the tenants in that property. I filed a small claim in August 2009 and the court day was arranged to December 2009. I have to service and service to make sure that the tenants get the notice every step has to be done correct or the court house will throw out the case. I was service at home this time on the following Monday Feb 22, 2010. A woman called Mary Hoopes called me and demanded I turned over the rent role and everythings to her. She told me that she was appointed by the court to take over and her charge was 170 dollars an hours. I told her right away. You are not hired by me. She said that there is an injunction on me to go to the property. I will be thrown out by the police. Later, that day, a server served me. She has done a lot to my property in the following days. She kept harassing and threaten me, like towing of my vehicles with a lot of my personal property in them on site. Fussing and massing around on my properties. I got more calls from the tenants. She talked and passed out letters to the tenants and have the tenants send her the rents. She was the one collecting the rents. I took the court paper to the lawyer, I have hired and he told me that Chase is suing me for a million dollars and there was another court day we missed March 4, 2010 because the lawyer originally working on my loan modification back out because he is not a real estate lawyer and he doesn’t go to court and in between of looking for another lawyer. I am trying my best to reverse my very unfortunate situation. I worked but just have not been pay for last three months since last year December. I have tenants who has not been paying me. She has not pay the since last year June and still living there now. If I have money to spare, I would hire a lawyer to get rent from them. There are tenants who lost their jobs or learn that the house will be foreclose, therefore they are taking the advantage of not paying. It is a domino effect of today’s economy. The servers, the real estate receiver, the debt collection the loan modification lawyers the one who benefit from these hard time.
Jeff Bartel said that because of me UCB crashed. He has over estimated me. UCB got the money in their hands to lend and they are the one who decide to lend or not to lend and my couple of thousands of dollars per month cannot not make the Bank who was being traded in the security exchange crash. No one foresee the future and when you will be broke and unemployed.
Chase was one bank that has absorbed all those other closing banks mortgage out there, like Washington Mutual and United Commercial Bank and others. Jeff Bartel is a very cynical and hostile person with prejudice and hatred to us, those who was not able to pay with the down and dirty tactics and strategies. If he cut off my only money source and spend unnecessary money for me. A
I get no help, no money from Obama to do my job. Chase isn’t getting Obama’ support, sponsor and promise to put us, the foreclose properties owner to a death end. Remember, I am also a tax payer. Chase bank get my tax dollars to stay alive and absorbed other banks. This is a vicious cycle that give Jeff Bartel, Mary Hoopes, Bruce Cornelius jobs.
I have cut down as much spending as I can, as I try very hard, only if there is any chance to get back on my feet. I have made these money before, can I do it again, as long as I am still breathing. I have asked myself. Do I still have any hope not being destroyed by Chase’s stratgic debt collectors. I am deeply disturbed by all this happening accumulatively over a period of time, I am feeling very hopeless and helpless. Human being are very fragile there are only so much of these bombardments I can take. I want Chase to know that . We didn’t take those money like the bank CEO as bonus and spend them in luxury. We are small people who hit hard by this economy with job loss. A lot of the money was spent in the ever increasing real property taxes to save of city budget, State and Federal taxes. Even if you don’t eat, you still have to pay your taxes.
My lawyer who represent me to answer the 1 million dollars lawsuit charge me $5000 retainer fee and 285 dollars an hour. He has not done a thing for me. It appears to me that he aligned with Chase and serve for Mary Hoopes as their messager to me. Mary Hoopes pad lock my house with personal belonging in it. Those are tool for making a living, not my tools. I request to have them taken out and return to the owner. It was denied. They planned to sale them along with the properties in auction. My lawyer only told me to follow what Mary Hoopes said, otherwise Mary Hoopes will not coorperate with him. My vehicle on premise got towed by myself because Mary Hoopes wanted them out. My lawyer said if Mary Hoopes towed them would be very expensive. So far, he has not done anything for me. except just too much of what Mary Hoopes said and Mary Hoopes want. He is the lawyer, not Mary Hoopes. Mary Hoopes at the same time did improvement on the property, including a new water meter that is not needed. I hope she would do it after forecloser because I am still the one paying the bills but she the one calling the shot. I would be thrown out by the police if I ever show up on the premise according to her. What is justice in America?
With Chase doing these to me, it can only drive me deeper and deeper in debt and never be able to climb out to this Abyss.
I was told that President Obama has given the Chase and other banks our taxes dollars to help the bank for our foreclosure problem but where has the money gone. It has been used to hire more executioners and to kill the foreclose property owners.
I am not alone in this, If I live to make money Chase will get paid, if I die they will get nothing from me.

Chase has blood in their hands