My account was transfer from Chase Bank to IBM Lender Business Process Services this year. I went from Bad to worst as far as customer service and overall treatment receive. When my mortgage was with Chase, I was in the middle of a Loan Mod. These people were just a nightmare to deal with. When I learn of the transfer, I was initially hopeful that I would encounter a better system and process. Not the case. Immediately coming to IBM they informed me that the process or stage that I was involved with Chase was not valid anymore. I needed to start the entire process over, including submitting new documents to their company on their paperwork. When submitting paperwork to this company you never get word of whether or not they receive it. They put all responsibility on the homeowner to follow-up with them. If you are not calling them twice a week your loan could be denied due to you not having all the paperwork in, however they never attempt to tell you anything unless you ask them about 3 times specifically about what they are requiring. They process has been frustrating, discouraging and most of all very himiliating as they speak with you as though you mean nothing. As far as paperwork is concern and the issue of not completing a document the way it needs to be . It appears that they want to get you so frustrated that you would rather stay with your current mortgage rate and or that you just walk away from your home as you feel their is no hope to ever get a loan mod. I have been dealing with IBM for the last 3 months and I am at my ends with this company. When calling to find out the status of the loans, you are often kept onhold for a long period of time and when you speak with someone they can not offer you any news as they are not the officers in the loan modification dept. they are often telling you that they are sending your loan officer an email of your concerns and they are checking to see if all your documents are in. never do you get someone on the same page as the other. I realizes that the banks have to make profits and have much authority over the consumer but what happen to fairness, common respect, compassion or emphathy? Di they not receive help when they needed it. Where are the dept. that regulate these banks and their practices. Fair housing practice organizations seems to not have any power or hand in helping consumers. Where and how does a consumer get assistance with getting the banks to treat us with respect and dignity. Where is the help for home owners. I am a home owner that had paid more on my mortgage to shorten my years to pay on my home and to lower the principal balance, however when I fell on hard times, the bank did not even consider any of this information. I was told to stop paying the mortgage for 3 months and that this would accelarate the banks looking into my sitaution. No so.. Please do not subscribe to this practice if you want to avoid threatening letters from trott & Trott.( One of the popular foreclosure attorney's in the Michigan area). As it stands now, I am still waiting to see if I will be eligible for a loan modification. Howver, if you have a choose, stay away from Chase, IBM lender process services, Bank of America for any services. Poor service and rude employee's.