Good News to all victims of loan mod fraud by Chase. No one was listening to us until service men and women serving OUR country were victims too. Now the right people are listening!! So JUST hang on.I am a researcher and have survived 9 illegal foreclosure attempts and want to help everyone else do the same. First of all no matter what...don't stop making your payments even if they won't accept them. (You want them to be the ones to breach the contract) You have to go in court with clean hands. TODAY send a certified written request.(bad people are trying to sale you this when it's FREE!!) In the request demand within 30 days for a response to . A forensic audit. .Proof of the Document . A MERS report showing who services your mortgage. I am here to tell you don't let them bully you with scare tactics. NO matter what their attys try to use to make you think to sign your rights away DONT YOU DARE!!! Everytime Chase postpones the monthly foreclosure sales I say "BRING IT!" If they had a legal right to foreclose they would have done it the first time.
Pls let me know if you have any more questions. God be with You (You're going to need it)

Chase has foreclosed on the home next to mine. The grass is almost two feet high in places because they do not maintain the lawn. Chase takes no responsibility for maintaining homes that are in foreclosure. Their website boasts of their social responsibility, but, in reality, their practices only hurt neighborhoods.

My husband and I are in our 60s, white caucasion, I lost my job in 2009 and our business due to the BP oils spill in 2010. We applied for a mod from Chase for our home in 2009 due to my job loss. We were denied and told that we made too much money. We used our life savings to keep our payments up-to-date until May 2010 when we were told by a Chase rep. that we should stop making payments as it will "push" Chase to help us. In August of 2010 when we were contacted by a Chase representative, Margo Mowers who is Hispanic. We thought that she was sent by an angel since she sounded so sincere and that she/Chase truly wanted to help us. We reapplied for the mod again. We filled out all of the excessive paperwork, submitted all of our personal information including SS #s, bank acct. #, 3 yr.s tax information, first born child, right arm, etc. We were told that this would take no more than 60 days for Chase to reply. We were relieved and thought that we were going to get the help that we so desperately needed to save our home. We have never been late on our payments, we had an excellent credit history, we designed and built our home ourselves by acting as the contractors and put our blood, sweat and tears into this home. It was our final home and we thought that this "help"would secure our future and our retirement in our soon to be "old age".

60 days after we applied, we heard nothing, we called Ms. Mowers, emailed her and sent letters. She did not return our calls, did not return or acknowledge our emails, did not respond to our letters, NOTHING. We did not hear from Chase after 60 days, 90 days or 120 days. In January 2011, Ms. Mowers sent us a letter and told us that the paperwork that we submitted, has expired due to the "overload of mod cases" and requested that we reapply for the fourth time! What happened? We were devastated, we had given up after no response from Chase or their so called representative. In December, we left our home in our children's hands to handle what ever may happen. We have moved to another state trying to find jobs. We felt that we were being held hostage by Chase. We also believe that the reason our application was allowed to expire was because we are of the wrong color and race. We are white, responsible and elderly. We were thrown to the back of the pack so that the young and people of the Hispanic and black race could be helped since they were among the majority that purchased homes that they could not afford. We are disgusted and penniless at this time in our lives. We have lost everything that we spent a lifetime trying to achieve. Our retirement has been dwindled trying to keep our home. Chase bank is one of the worst offender's, preying on people who have tried to do the right thing. Refusing to help those who do help themselves and granting reprieves to those who couldn't afford their homes in the first place. Chase bank should not be allowed to do business in this country as they are among the biggest offenders of defaulting on their multi-billion dollar loans, taking money from the taxpayers to bail themselves out, paying their execs. millions of dollars and screwing people like us. They are nothing but crooks. We are trying to contact Ms. Mowers, who has not returned our calls to date to apply for a short sale. NO RESPONSE WHATSOEVER! Chase can foreclose, ruin our credit, lives and take our future, what ever is left of it.But they can't get blood out of turnips! And we believe that we were discriminated against because of our race and age.

My husband and I have gone through the exact thing with Chase.I have been on a couple other sites trying to figure out how like everyone is saying How do we all come together and file class action law suit against Chase.Please Call me or email me, we all need help there has to be a lawyer out there with the balls to fight for us.Also if anyone has heard of Phoenix Edge LLC please please call or email me, this company was going to help us get our house and now we have spent over 12, 000.00 and we find out that they are a big scam.Please help us someone.Thanks ALisha

Did not recieve my mortage bill in December, missed payment realizing I would need to catch up in January. Never recieved a Jan bill, was called one night at 8:50 pm and left a message by 800 chase number, called right back but told not business hours. Called the next day during business hours (asked to input last 4 digits of SS#) told at 10 am, not business hours, so went into local branch and showed the loan officer this problem. He looked perplexed called branch manger and she got me in. I asked why no statements were being mailed and was told they mail statements when they recieve payment. In other words, miss a payment, Chase stops sending bills. What happens when you miss paying other bills? You get a late payment notice, reminder etc. What if the mail loses your bill, I didn't recieve mine in Dec, who knows what happened, what if you're elderly and forgettful? This policy seems intended to just let you slip into foreclosure, also of interest was how they blocked me from the phone system and would not take my call, the system would tell me not business hours in the middle of the day, this was based on my ss#, so they filter calls, not taking some, based on what? What genious lawyer recommended this policy, this is intended to trap consumers in arrears and not assist them. Stop sending bills after one payment is missed. I was told this provision is in the small print, Chase assumed my loan and this was not the policy of the previous lender. Very suspicious behavior will ill intent clearly the motivation, is it legal? Is it covered in the fine print? Maybe so, is it ethical and in the best interest of the consumer, in the spirit of assisting troubled consumers in tough times or predatory? This home has less than 4 years of payment left on the loan, wouldn't Chase love to assume that loan in a foreclosure! Four days now after I paid the last two months off, they gave me a reciept yet have not processed the check, now what are they up to?