Chase bought my mortgage June 11, 2008. I Make 1/2 a payment every other Friday (which gives me an extra payment every year) and have done this since the beginning. In June 2009 I get a phone call from the "collections dept" claiming that I am 2 payments behind. I explain to him about sending 2 pmnts per mo, etc. But he can't transfer me to someone that can help me, I have call another number. They tell me that I am 1 payment behind. They need 6 months of bank statements showing my payments. I print out 6 months of online statements cross out everything that doesn't pertain to Chase and fax it. DENIED! Not good enough. They want 6 months of unaltered bank statements...unaltered? Any other transactions or businesses that I do is none of Chase's business. So, I have my bank pull of my Chase payments and put it on bank letterhead and I fax it to them. Still not good enough. Now thay say I have 1/2 payment that was an NSF in January and another one in April, so now they only need "complete unaltered bank statements" for January and for April. So I finally actually talk to a person in the escalated payment dispute dept named Andrea. She says the issue with the last fax is that there is no running balance on the list of payments that my bank put together. Fine I'll have the bank fix it and refax it. I pull out the last fax that I sent to Chase and she is nothingbut a liar. Right next to each pmnt debited from my account is the balance! By now it's Dec 14th and I refax the same print out from my bank and draw an arrow to the balance column column, also noting that she said it didn't exist. I waited 2 weeks and called a few times and leave messages for Andrea to call me back. Never heard a word. About a week ago I'm doing some outdoor chores and see someone taking pictures of my house. Then last night (Jan 14, 2010) some women knocks on my front doornand hands me 3 pieces of papers clipped to an envelope and informs me that Chase has contracted with them because they have been trying everyway they can to contact me with no luck. WOW! Really? So I immediately call them (again) and of course they are closed. So I call the next day, and get transferred to "collections" (Chantelle) who tranfers me to "customer service" (Rigel) who tries to research what is going on with the payments afer I explain about the person knocking on my door and my faxes to Andrea. She then figures out that Andrea closed my dispute the day after I faxed it to her noting that I had faxed her an ALTERED bank statement. The catch is she isn't the one that is handling my sipute now, it's Angela who happens to be on vacation. go figure., i have to call back on Monday.
So I'm explaining the last 2 weeks happening to my mother, who also had her mortgage purchased by Chase about 3 or 4 months ago and just happens to be going through almost the exact same thing. Coincidence? I think not. I decide to follow mom's advice and stop in at the local Chase branch to ask for some personal assistance, maybe they can look through my statements and cross out what they don't need and fax it for me?
I do just that. The man helping me calls someone in the mortgage dept and asks that he send him via email my complete payment history and break down of alll the figures for escrow, P & I, etc. He then informs me that there was no nsf in January or April. There was an NSF in July 2008 and I have been behind ever since and each month they also charge me 5% of my payment as a late fee which they have been taking out of my regular payment, which of course makes my payment short, and later, etc. He also informs me that my payment amount is 1905.50 each month. Not according to my documents, my payment amount is 1901.00. He then proceeds to informme that part of my payment has $110 in PMI on it. there was no PMI on our loan when we closed on it...I remember that for sure because I was so excited about it! So in the end I'm told I need to pay a total of almost $4k. By this time I'm sitting at this guys huge mohogany desk balling my eyes out, totally confused and not knowing who to believe. He then refers me to his manager to help figure out how to resolve this matter as soon as possible. She then proceeds to question why I was reviewing my mortgage statements closer, uh ya I already know that my statesments were going to be wrong for the last 7 months because I was still fighting with them over the 1 payment. I cam to solve one problem and found out that I was fighting about a problem that didn't even exist. I think...I'm suppose to call the manager of the local branch back on Tuesday to see if she is able to help me figure someway out of this nightmare.
Meanwhile, my credit report is showing 90 days late even though I have sent in my payments every other Friday like clockwork and had even raised my payment amount by $50 every other Friday. So you'd think I would be a couple months ahead...not.

I applied for a loan modification to my existing mortgage with Chase on July 8, 2009 (the date they signed for my Fedex package). After a couple of months, I contacted them at the telephone number they listed on the application. I was told my application was under review.
Today, December 7, 2009, again called the number on the application (866-550-5705). After several minutes on hold, I was asked for, and provided, information regarding my loan number, address, telephone number, etc. and was advised to call another number (866-665-7629). Again, after several minutes on hold, I was asked for the same information and again I provided it. I was then told that my file was transfered to the "Rochester" office and I should call 877-830-1837. At this writing, I have been on hold for 37 minutes. It is obvious that Chase has no intention of cooperating with the Loan Modification program. Is 37 minutes on-hold a reasonable response time?

Like so many others on here, was scammed out of a $750 application fee by our current lender, Chase, who have now sat on our refi for FIVE MONTHS. They are both incompetent and, I believe, illegally scamming people to apply for refi's that that have NO intention of ever processing.

I have in hand my September 09 appraisal from Chase's appraiser valuing our place at $1, 395, 000. I am trying to refi the only loan on it, which is currently $285, 000. I have credit in 790 range and one other monthly payment- 4 months left on an $800 a month tractor payment. NO late payments, nothing. Large income, clean IRS, all the same stuff that is supposed to make something like this a breeze. A monkey with a typewriter should be able to take care of this.

They don't answer the phone, they lose documents, they suddenly need new documents after insisting they have everything they need for months, they have confused a note we receive for a note they think we pay (you would expect mortgage professionals to understand the difference between income and expense, no?) they insist on having information sent to them in urgent emails with NO contact information... in general, Chase is the Clown College of Lending.

The only good thing is I am just trying to refi, not some poor soul trying to keep their house and suffering this runaround. I have also filed complaints with the Federal Reserve and the California Department of Corporations. This is totally unacceptable for a large corporation to handle their business this way. I hope Chase goes up in flames, and their lying and deceptive employees with them.

I went through the same BS from june-august they knocked off 233.00 dollarsa month off my normal(687.00) regular payments on the forbearance period finally in august i was done with my 3 months of forbearance they told me to keep paying my forbearance payment for an additional 2 months because 'the are behind'.they said it would take 45 days to complete i also found out the 233.00 a month they knocked off my regular payment on the forebearence period and the next 2 months is added to my balance I was behind on before i got the forebearane that will be about 3900.00 dollars to come up with and get it current if I dont get the loan modification, I think they are drawing this out just to forclose

August 7, 2009
Chase is my current lender on my home. In March of this year, I contacted Chase, regarding refinancing at todays current rates. I was told for $750, they would do a streamline, no doc loan, and reduce my current interest amount (4.75%). Bear in mind, I was not asking for additional funds...just the lower interest rate. I have at times been up to 3 payments ahead with Chase, have stellar credit, never missed a payment or been late with Chase. I was told this process would take about 30 days. Now, 6 months later (and of course the interest rates are higher), I was declined on this loan. They said they could resubmit it and get me approved under the new programs, but of course at a higher interest than what I locked into in March (almost 5.5% now). I have been promised "the loan will close next week", or "in a couple days" Their appraiser, under appraised my house by nearly 100k, but I still had plent of equity to close this loan. I have been tap danced, and lied to for 6 months, to now have this end up that I will not be able to probably ever have the rate promised to me. Chase in my experience, is a very dishonest lender, and i recommend avoding them at all costs. I now have to start the process over, and will close with another company, but now at a higher interest rate. I will be seeking legal damages for the difference of what i will be losing on the loan now. If any attorney cares to hear my case, please contact me!