JPMorgan Chase
Reviews and Complaints

I have a similar problem with chase. I submitted evidence of Flood insurance on my condo at their request in Sept 2009. They kept sending me the same request. I called and faxed and have confirmed delivery letters to chase with those documents. On my last call in October 2009 they promised me that the matter was fixed and that they had now recieved my documents and i should forget the matter. In January 2010 I recieve my escrow statement and see they have dedcuted $1300 for flood insurance. I tried to call again and keep getting the run around.
I HAVE FLOOD INSURANCE AND THERE WERE NO GAPS IN THAT COVERAGE AND CHASE ACCEPT THAT. THEY STILL BILLED ME.
Is there ANYONE out there that has the courage to take on this group of Bandits and prevent them robbing us blind.! I have no doubt 75% of people would not have noticed the deduction which is well hidden in the escrow statement.
I enclose my email address for anyone who wishes to contact me
Martin... macker40@hotmail.com

My girlfriend pays an extra eighty dollars a year to chase visa(united mileage plus) to have a companion flight voucher sent to her once a year. Basically, when you buy an airline ticket, this voucher allows you to book another ticket on the same flight for a friend for "free". However, chase has stated that they have already sent the voucher and refuse to send another one. Is anybody else running into this problem? If so, would you please email me? This is fraud... which is a felony. If this is happening to enough people we might have a class action lawsuit possible here. My email is ellisnate64@hotmail.com

Be careful of 0% offer for charge cards. I took advantage of the 0% and transferred the balance of a loan to the account. When I used my card for new charges they immediately began charging interest and won't allow me to pay off the new charges. My payments are only applied to the amount that I transferred under the 0%. They are effectively making me pay interest on the new charges over the entire 8 months that I am being offered the "so called" 0% interest, thereby paying more interest than I ever had before as I usually pay in full each month.

Chase is not willing to allow me to pay off the new charges or transfer or credit the new charges.

88.20 charged to my card without my knowledge

You guys all have nothing better to do! Here is an idea, face the facts, you over extended yourself buy lending against the equity in your homes which is no longer there due to today's housing market. Therefore, why would any bank extend you more credit against a property with insufficient collateral value? When you lend a friend money to buy something that wasn't even close to it's worth? Time to start facing that facts and going back to lending basics. Nobody gauranteed you that you could always rely on a HELOC.

In May 2011 I received a letter from Chase bank that I had an escrow shortage. I had the option to pay the shortage or make the higher payments. I chose to pay the escrow shortage. I went into the bank and gave them two separate checks, one for the mortgage and one for the escrow shortage. I had a personal banker assist me to ensure that the money was applied to the correct accounts.
In June 2011 I received my mortgage statement with the higher and incorrect mortgage amount. I called Chase customer service and asked why it had not been changed. They reviewed my account and informed me that I was correct, they apologized and assured me that the correction had been made. I was instructed to make the lower payment for June based on the adjusted amount. I made the payment.
In July 2011 I received my mortgage statement and it stated that I was late 2 payments. My account had automatically gone into collections because based on their records I was late. And they had reported the account to the Credit Bureau. All without reviewing my account. On July 5th, I spoke to Yanita and Dennis David in Customer Service in the Phillipines. The assured me that all the corrections had been made. I called back July 11th to follow-up and John Calixtro informed me that he was going to have to submit a new work order to correct the problem. He told me that he was doing that best he could and asked me to be patient. I have been patient since May 3rd and NO you (Chase Bank) are NOT doing the best they can. While I have included the names of the different people I have dealt with, none of them personally mean anything to me. Except that they ALL represent Chase Bank.
I just got off the phone with Alex Krantz' assistant, once again, she assured me that she was giving my information to Mario Rivera and that I would receive a call before the end of the day. What is it going to take to fix this mess? I will keep you posted.

I have been going round and round with Chase. We applied for a Motification and were denied but yet offered a Forberance Agreement which gave us temp. relief of our full payment for 6-months. Now the 6-months is up and they are now requesting all the money which is the difference between our mortagae amount and the forberance amount, have put negative info on our credit stating that we have been 30 days late since 8/1/2010!

Thanks to the person that started this blog. I am homebound and disabled, and even with the use of my State Atty General, State Senator and the Office of the Comptroller of the Currency, which oversees banking practices, I am to be evicted because they took out a large sum of money and didn't tell us. We have exhausted all appeals as they say we have no right to our own finacial accounting info because we are in foreclosure, except that we weren't in foreclosure till they took our money and despite our best efforts, took 5 months to tell us why we were in foreclosure with no right to appeal. I was looking for the fax number to Larry Thode when I stumbled across this. Please put pressure on your elected officials but most of all the OCC! who seems to be playing golf with someone at Chase.

Good luck dealing with Chase, "in my opinion" these folks are the most incompetent bunch of people to ever call themselves a corporation. They sent me an overnight UPS "etremely urgent" notice that cost them $43.00 to tell me I owed them 58 cents. If you own stock in Chase SELL IT, if you don't DON't BUY IT! My opinion, my story and I'm sticking to it, if I want clowns I'll go to the Circus.

I just wrote a long comment and it got erased. I am going to make this short... I have ten years or more in the mortgage loan closing business. I have never heard or been treated so poorly has I have been with this company... I am sending out a plea to all who have posted on this site to contact your congressman. Hear and NC we are electing a new congressman and I will be contacting both of them to see what advise they have and to see exactly what they are planning on doing about banks that doing this. We are being taken advantage of and you all have every right to fight this. I will not let this rest until they show me some numbers. They decreased the value of our home by $131, 000.00. We just built our home in 2006. Also, if they require you to pay for your appraisal then you have every right to choose who you want to pay... I am tired of these banks thinking they can run all over people. I do feel sorry for the people that don't know any better and are stuck at this time. You wonder why our economy is in such direstraits. So please contact your congressman and do not give up... That is what they want... I will post again when I find something out.

I am in the same boat as well and just got off the phone with CHASE asking them how to reinstate my original loan amount which has been frozen at 20K down from 50K. I got the exact same answer regarding getting an appraisal ONLY through LSI and the same website! I have excellent credit, a ton of equity in my home, but that electronic appraisal they came up with was $71K less than their ORIGINAL appraisal on the home at the time I opened the line of credit...I have significantly decreased the original mortgage amount but they are not taking that into consideration and are using the original mortgage amount in their calculations! I am NOT going to pay $400.00 to LSI just to be told the appraisal comes in no where NEAR their "target number" that they gave me! Did either of you get anywhere as I see it has been 112 days since you posted your comments on this subject, and I seriously wonder what ever came of either of your fights with them? Did you call the numbers "we are not supposed to know" after they were posted? If so, to any avail? Thanks so much for any responses! ALSO: Is it worth it to fight or just refinance the house elsewhere and roll the balance of the home equity line into it?

We are in the same boat and I've been fighting with Chase for two years now! They completely froze our account and someone also slipped up and told us that they take the lowest foreclosed property in our area and give a bottom dollar estimation. In addition, we are only allowed to do an appraisal through someone they refer; www.cld.elendersolutions.com which to me is an unfair monopoly. I highly doubt that they will be fair and unbiased. Chase wouldn't even tell me that we needed to have a 70% LTV; so I would have ended up paying the $400 for nothing since we only have 82% LTV. They also would not tell me what my home needed to appraise for in order to open the account for me to know whether or not to spend the money for the appraisal. When I told them I was tired of fighting with them and would take my business elsewhere, I was told, "Okay! Have a nice day!"

I am in need of assistance… JP Morgan Chase Auto… has taken GAP monies that were supposed to go to me. After my car loan had been quoted a payoff in one amount; it was paid off in said amount. I had been in constant communication with Chase auto and was told that everything would be credited to me any late fees and all would be credited back from date of said and agreed payoff from dealership. Not only have they denied ever receiving the GAP cancellation monies but after they were paid said payoff amount they not only charged me late fees as well as applying the GAP monies. The GAP was cancelled on 4 Jan was less than 30 days of purchase. JPMORGAN CHASE AUTO has been lying and deceiving me from day one. I was provided a payoff letter with the original payoff amount… now they changed the payoff amount to include the late fees and my GAP in their “new” payoff amount. I was cut a $4 check for overpayment. I am in need of my monies and I am furious at the way they are screwing people that are not in the know… please advise how I may proceed in receiving my monies and ensuring that they are stopped and people are made aware of their lies and fraud?! I have photos and documents…I will provide to attorney or person providing help and assistance. Thank you

I just had a horrible experience with Chase. They are the rudest, most unprofessional company you can imagine. Do not do any business with them! After 0 notice, payments made on time, I literally woke up one day and they repossessed my car. They lied to me over the phone. They told me that in order to get my vehicle back, I’d have to pay off the loan (22, 900.00). They then demanded I send money through Western Union, Money Gram, or overnight a cashier’s check. I have a feeling this isn’t over yet and am going to pursue a lawsuit against them. Absolutely disgusting company.

Wow! I am having the same issues with Chase Auto Finance. I fell behind on my payments after paying on the vehicle for 4yrs. I made a payment in Oct. and was going to catch up the balance this month on the 22nd. The car was repossessed today! I can't believe they would repo the car right after I made a payment in good faith. I have found multiple reviews of the same issue and even a class action suit of the similar activity that was filed in Minnesota! I am on board for a Class action suit because this company is still committing the same type of shoddy business practices.

I am dealing with the exact issue current as are 2 other people in my city. The man I just went get my belongings from said two people JUST YESTERDAY have the same exact story. I am in Louisiana. My car was repossessed, I have PROOF I was making payments that they deposited. They have YET to notify me of repossession.

Yes I would gladly join. I have been disputing an amount owed on a returned auto for months. ALl the reps are rude and wont help at all. Chase keeps reporting my account late even though I have made payments and keep disputing the amount due. One rep states if I make a payment they won't report late then the next will say until all of it is paid they will report even though I don't owe the entire amount. They have 1 star here with thousands of negative reviews- I bet it would be 0 starts if possible. They are an awful co. No-one should use them!
Your email isn't showing please advise.

Is this still on? I tried emailing you, but it said it was invalid. Can you email me at dkadow@une.edu

Currently dealing with an accounting error with Chase Auto and after seeking a resolution, I requested documentation to verify their claim. Original request was made nearly 90 days ago and I still haven't received the documents. They are charging interest every day because I am waiting to verify the discrepancy.

History: Chase Auto gave me a payoff quote which I satisfied fully and additionally received a refund check for over payment. I have also been sent the title to the vehicle which is triggered automatically when payment in full is made. The title has two signatures on it from Chase Auto Finance agents. Originally, when i called to question the bill I received, I was told not to worry and disregard the notice. They say a reallocation of a payment triggered a bad payoff quote. If I do not pay the demanded amount, they will report to the credit bureaus when the account becomes delinquent according to their records.. I have requested transcripts of our recorded conversations I've had with their operators and the request has been ignored.

aboam5@live.com

I would like to participate in a class action lawsuit against Chase Auto Finance. When I was almost finished paying off my vehicle, I received a call from Chase stating that I was behind on my payments, but if I made a payment within the next 3 days with an additional payment within another 5 days, I would be in the clear. I made the payment and 4 days later, they repossessed my car. They wouldn't even give me a dollar amount that I could pay to get the car back. I owed less than $3, 000 on the car and had already paid over $11, 000 on a vehicle that was not worth the amount they sold it to me for. I can be reached at msmay79@gmail.com.

As an employee of Chase I have to sadly agree that they are one of the most predatory and horrible institutions in the world. They should not only be broken up, but should be banned from doing business with an unsuspecting US public. They cheat, lie, and effectively steal money from clients. They force employees to lie and cheat under the veil of ethical training.
Jamie Dimon thinks he is KING of US finances and acts like it. His lackeys are nothing but hit-men and enforcers of criminal activities. The only thing that differentiates them from criminal institutions is that criminal institutions have a "code of honor". Chase does not. Also Chase has the backing of lobbyists and legions of attorneys that hide the bank's illicit activities behind billions of words that are meant to confuse everyone not in the King's inner circle.
If you do business with Chase - you are encouraging their actions and you are aiding in the economic destruction of our system.

This JP Morgan chief Jamie Dimon will probably our next Treasury Secretary and that will be the end of our "America for the people by the people" if our " America for the peopl by the peoplee" is not already gone.

I just goggled foreclosure suicides...oh my God!
To me it is not suicide so much as it is MURDER!

"I lay in bed contemplating suicide "

That is what they want us to do as soon as they squeeze every penny and drop of blood out of us and we can't make them any more money. They ruin our credit so we can't get a loan to help ourselves. I am going through the same thing and you basically do have to pay a lawyer so that everything is documented. They lied to me for over a month saying that they would send me payoff figures and my pre qualified buyers would be approved and there would be a postponement of the sale...they lie. They never sent me anything about payoff figures even though I ordered them three times. They make excuses to just waste time to the foreclosure sale. I called back and now they have no idea what I am talking about with my buyers and postponement requests when they said it was escalated before...just lying so I run out of time and don't get a lawyer and/or document every request with carbon copies.
I have lots of equity in my house and have already paid them double what the loan was...13 years and I gave my improved land as down payment that I srent many thousands on...Yep they are thieves in the night and they would love us to all commit suicide after they have every penny. They could care less about the wives and kids that are left without a husband or daddy and we wonder why the degradation of our society..it has a lot to do with these greedy pigs and they need to be stopped and tried for murder and terrorism against the American people. Killing ourselves is what they want..a dead or inprisoned man cannot fight the devil back.

These banks and hospitals need to be non profit for the benefit of the American people and not the other way around. Capitalism is an evil system. There is nothing wrong with free enterprise and making money, but do we really need billionaires and soon to be trillionaires in a society so greedy as to destroy the country and wage 4economic terrorism against the majority populace? I don't think so. We need to fight and get organized fast. If we are going to commit suicide we need to at least make it worth it...one guy laying in bed is what they want and they will just laugh at you.

Anybody with class action lawsuit info or organizational info or even anyone setting up a grassroots petition to out law these ### thieves post here and everywhere possible.
Even those that lose their homes there are still libraries and wi-fi with internet...fight and outlaw these ### and sue them for their 11.5 billion and our homes back.
We need to combine all these venting and ideas into one. We need to take this to the supreme court and if that does not work we need to change the constitution to where these bank and hospital thieves can't do to us what they are doing, by preying on the weakest and most helpless at the hardest times for them. I don't want my beloved America to be so evil as it has become.

I just spoke with a JP Morgan Chase employee about why they charge overdraft protection fees when I established this overdraft protection in the first place to ward off any going over the limit issues. She told me that all banks do it. Then I said that USAA Bank does not do that. She immediately became defensive and told me that she had two accounts at USAA Bank and they charge overdraft protection fees and she has had to pay that. She also said that her father was in the military for her to be a USAA member. Amazing how she lied to my face. I wanted to double check her claim and called a USAA banker and spoke to her and told her Chase's employee's claims. The USAA banker laughed and pointed to the bold letters on their website which says: "Free Overdraft protection". I immediately transferred a sizeable amount of money to my USAA account. I will end up saving tens of dollars in OD protection fees this year. Even the insufficient fund fees at USAA is lower than Chase Bank's. Do not bank with Chase. They deliberately mislead about their competition and have unethical employees.

Greetings and Hii...,
Just to add to the above comment What Chaserocks have mentioned...Since I also work for for Chase Card Services...One more piece of info which might come in handy..The minimum payment on the bill might be the amount past due on the account.But the statement amount due which might be higher than the minimum payment on the account is what you have to look out for to avoid a future late fee of $39 or less depending on the balance on the account...Somtimes the statement amount due might might include the amount past due and the current months payment or it might just include the amount past due if the current months payment is $0...cause sometimes due to some reasons either if chase decides to help the Card Members when did happen in the past, most of our card members were not charged a current month payment.. i.e in the bill u might have seen current months payment is $0...This step was taken by chase to help the card members..
Sometimes the representatives will say that there is a TOTAL AMOUNT DUE which might be higher that the STATEMENT AMOUNT DUE...If the account has gone over the credit limit then the overlimit amount might be included in the total amount due..You might not be able to see this Total amount due in your bill cause the acount due to many reasons might go over the credit limit even after the bill is generated...to find out more about the overlimit amount you can always log on to your account online where u might be able to see what your balance is on the account or you can always call customer service at the back of your card or dial [protected] and they might be able to assist you further with your queries.
Sometimes when we tell our card members about the total amount due they state that it is not mentioned on the bill which might be true as i explained above..but this is also important to be taken care of to avoid a possible overlimit fee of $35 or $39 depending and may vary from account to account.
I also would like to appologise about the rude behaviour..we understand that although at present things might be getting better but still times are though...REALLY TOUGH...Hope and pray all your problems fade away..Wishing you all the best for your future...

Hey hi,
I work for chase card services & you know when your acct is delinquent you get a call stating tht u have missed a pymt & to provide you the best suitable solution after assessing your situation and abt the discrepancy which you had abt the minimum pymt being $115 and the rep tellin you thts its $260 would have been because the rep would have included the past due amt(which u hd missed) and also the minimum pymt for the current mth..eg you got a call on 02/12/2010 staing ur acct is past due & the due date ws on 02/05/2010 & u missed the amt of $115, so when we calll we also include the pym which is due next mth i.e. maybe on 03/05/2010 (which wud nt have been due yet but the bill would have been generated).And coming back to the calls which you get believe me i dont think it ws fradulent, wht you did ws rite by calling the customer service at the back of your card, but believe me or not customer service may not have the record that u had spoken with chase card services because they work fr a different sub department & i will giv e you a number to contact Chase Card Services for future refrence it is [protected] & there are call centres situated in USA, India or Phillipines please dont be surprised if you get in touch with anyone with a different accent.And my profound apologies to you as you had a hard time with a lady you spoke with(the first time when you had got a call) as she was agressive, you know there has been so many delinquent accts these days due to recession that when the reps have bad day they loose their temper which they should not, anyways i hope that this piece of information might solve your query, anyways just take care and as we say "What matters to you matters to us, Chase what matters".

Thank You...

I have been trying to get a loan modification from Chase for 14 months when my husband moved out of the home, leaving me to pay all of the bills. My income wasn't enough to cover household bills and the mortgage, and I am facing a hardship. I had a very difficult time getting knowledgeable people to assist me, and it took me "forever" to get my file into the underwriting department. I contacted Chase several times throughout this process and spoke to different representative who would tell me different things were needed every time I called. It was really frustrating, but I got my file to underwriting after about 6 months and i was already getting foreclosure notices. I was denied for modification and was told to submit another packet, so I did. My file went to underwriting, and my house was damaged in the April 2011 NC tornados. My file was somehow closed, but noone could tell my why it was closed. I had regular contact with Sylvia prior to the storm, but none afterwards although I called her several times and left messages. I ended up talking to Sylvia's supervisor, who reopened my file. I called to check on the modificaiton and was told that it was denied. I haven't received any notices about the denial, except for a foreclosure sale date notice today. I called and talked to representative Martha who told me that the modification hadnt been fully denied yet. I guess noone there really knows anything or cares to know anything except that my home is going to be sold in a foreclosure sale on 9/7/11. i am out of options and am running out of time. Chase has not treated me fairly and has strung me along to foreclose on my property.

I am still working on a loan mod... They always want me to fax the same docs over and over... I am still in my home and plan to stay here. I do not know what they have planned for me with my home. I am also pissed off that property taxes continue to go up yet the value of our homes continue to go down. There are so many empty homes in my subdivision. Now I read Fannie Mae is going to the tax payers for another bail out... 8.5b$ i think that is what i read... seriously? no one bails us out..i think they should have to jump thru the same hoops we do when we need a loan...

I AM WITH ALL OF YOU THAT POSTED EARLIER. MY STORY IS SIMILAR TO MOST, AND CHASE SENT ME LEGAL DOCUMENTS ADVISING THAT MY HOUSE WAS IN FORECLOSURE. I CONTACTED THEM, AND THEY SAID THAT I HAD TO CONTACT THE FORECLOSURE LAWYER. I CONTACTED THE FORECLOSURE LAWYER, AND I WAS TOLD TO CONTACT CHASE. THEY ARE FULL OF IT! I CALLED CHASE AND WAS GIVEN THE FORECLOSURE SALE DATE. I CONTACTED AN OUTSIDE COMPANY TO HELP ME WITH MY MODIFICATION PROCESS, AND I AM STILL AWAITING TO FIND OUT WHAT TRICKS CHASE HAS UP IT'S SLEEVE THIS TIME. THIS IS RIDICULOUS. SOMETIMES I FEEL LIKE JUST WALKING AWAY FROM MY HOME AND FINDING ME A PLACE TO RENT WITH LESS WORRIES. I FOUND OUT BY TALKING TO A NC LAWYER THAT IF I LET MY HOME FORECLOSE, CHASE COULD NEGATIVELY REPORT TO MY CREDIT FOR 10 YEARS AND THEN COULD EXTEND IT ANOTHER 10 YEARS FOR A TOTAL OF 20 YEARS. I WILL NEVER BE ABLE TO OWN ANYTHING AGAIN IF I LET THIS HOUSE FORECLOSE. I CONSIDERED FILING BANKRUPTCY, BUT I WAS AFRAID TO DO SO. THE LAWYER INFORMED ME THAT MY CREDIT WOULD BE AFFECTED FOR ABOUT 10 YEARS. WHEN I CALLED MY CREDIT CARD COMPANIES TO FIND OUT HOW BANKRUPTCY WOULD AFFECT MY CREDIT, I WAS TOLD THAT I WOULD HAVE TO INCLUDE ALL OF MY DEBT IN THE BANKRUPTCY, AND I WOULD NO LONGER BE ABLE TO USE MY CARDS. I'VE NEVER MISSED A PAYMENT AND HAVE NEVER BEEN LATE ON ANY OF MY CREDIT CARDS AND WOULD'VE HAD PERFECT CREDIT WITHOUT CHASE FAKE MODIFICATION PROGRAM. I ALSO HATE CHASE!

Chase is pure evil. I too have asked for a loan mod, i was told my income dropped too much and i did not qualify...seriously? i have had chase call me 70 times a week. no that was not a typo. no one speaks good english. I lost my job 6 months now.. i keep asking for a loan mod. they will not send the papers..they tell me they are going to mail the loan mod package out and it never arrives..the have told me unemployment is not income and it sucked to be me... the phone calls from the never stop.. i was told to go to the library print them out and send in the hardship letter and proof of income. I jumped thru that hoop only to be now told you need to send more info. i have it ready for my trip to the chase branch on monday. My house is set for foreclosure sale the first tuesday in jan 2011.i called cccs talked with the lady there, we went thru my financials she felt i would qualify for a reduced payment. we called chase together on 3 way to see if they would halt the foreclosure, i was told we need more info. and the loan mod request has to go to underwriting.. i am afraid they will piece mill me to the point the house gets foreclosed on and i am screwed.
WHY DID WE THE TAX PAYER HAVE OUR TAX MONEY GO TO BAILOUT THE MORTGAGE COMPANY'S AND THEY SIT ON THEIR [censor] AND DO NOTHING FOR ANYONE. I TOLD CHASE TO TAKE MY PAST DUE PAYMENT OUT OF THE BAIL OUT MONEY THEY TOOK. I PAID IN TO THAT TAX POT TOO.. My local county has received 2.6 million to buy up foreclosed home get them ready for section 8 people to move in to.
The mortgage companies only want our homes to turn in to section 8 housing to get more money from the government... it is sure money to them...think about it... the plan is bigger then we could even imagine..

same story here husband lost job income decreased i had made a late payment called in to make payment rep with chase asked me why i told him why payment was two week late. told me that i could qualify for mod. sent me paperwork made 3 trial payments nothing done found out i was declined by obama and now they wanted me to try with chase told me to keep making mod payment..8 months later got a mod contract that was for 10 years and shorted them 50, 000. i had never received a phone call from chase they called and told me loan documents are bad to send them back..i called to make next payment they wouldnt take it said it would mess up my approved loan and amounts this went on for 4 months i call almost everyday and one day i got the foreclosure dept..they wouldnt let me make payments but decided to foreclose had to hire a lawyer and they finally got me new contract..guess what..they didnt do a mod told me i didnt qualify and that my new payment would have all the interest i had not paid added back in for the next 20 years i have to come up with 500 more dollars a month than my origianl payment ..i also took at 1400 a month pay cut..they wouldnt consider it b/c it ws not considered part of they fyi for them..they blamed everything on fannie mae...we are ready to just file bankruptcy thanks to chase..i would have some way made the origianl payments late..better than this mess we are in b/c of home mod help..we still would have been ok if they had made the decsion in the trial period this is a bigger scam than the original that caused th market to fail...they are double tracking and trying to get some money added into prinicipal loand for all the worthless second mortgages that are out there..folks we are all paying the price...i would def want to be in the lawsuite class action

I have never dealt with a company who does not know what is going on! I had cancer in ‘08 and lost my job in ’09. For a while I had unemployment insurance coming in so I was not behind on my house note, but did have to let everything else go.
I called to explain my situation, trying to be proactive, like others who have posted here. I was told that I have to be at least two months behind to even start the process. Like an idiot I did as I was told….that was the beginning of the end.
I went thru the first modification just fine. Got the second set of papers for the next modification, it was a little lower so I was happier. I paid those payments like I was supposed to and even earlier. The third set came to me and it was to be the final set of mod papers before they redid the loan. This set was for 0.00 – when I called they told me that since I “do not have actual income, only unemployment insurance”, this is what they did. I thought OK – you know what you’re doing.
I finally got another job and called to have that paperwork redone with my new income level. I was told that the process has to start all over and since I was already several month past due – it has to be approved by an underwriter and that takes time.
So I continued to pay the normal payments as usual before the mods started. They rejected my payments and instead sent me a new set of mod docs with a new interest rate. I was fine with that because I knew that this was the last step in the process.
I paid each payment and even paid them early. Much to my surprise I came home last Friday to a legal document on my door stating that Fannie Mae now owned my home and I had 30 days to remove myself and my belongings from this property. Never once did I get a letter from Chase, attorneys or anyone stating that my house was in foreclosure!
So now I not only don’t have my house and have to try like hell to save it before the 10th of October, but they took all my escrow overages and applied those to the loan AND they kept the 4 months of payments that I was paying.
I HATE CHASE!

I've been getting that run around for a year. I have called them everyday for eight months straight and taped every conversation. was told that after the 6 month trial payment i would be fixed at that payment. Well that was a lie. every person there tells me I have been misinformed. They called me one morning to tell me i am in foreclosure I called them back 10 minutes later spoke to someone else he said I can be restassured I am know where close to it. I have sent the modification package to them 3 times and every time they tell me it was kicked out and then fed ex brings another. THEY ALL LIE AND THEY ARE NOT GOING TO WORK WITH YOU. This house did'nt even meet FHA standards, had know kitchen or appliances the bathrooms did'nt work the hot water heater was leaking, ac system was shot there was know pool pump and filter. I CAN TELL YOU HOW THERE GETTING THIS HOUS BACK. By the way if your not opposed to relocating. look on realtor .com there are alot of citys that are very affordable and there are alot of houses on the market that need a minimum amount of work that can be bought for cash and i'm talking about 5 to 10 k. Chase pushed me over the edge and i bought 2500 sq ft of house all brick that only needs inside paint for 12k. SO THEY CAN HAVE THIS HOUSE BACK . I WILL NEVER HAVE ANOTHER MORTGAGE AGAIN.

well - its time to try suing

I have to give you an earful of what really happens from my standpoint.

I filed with Chase in July 2009 - not long after I was laid off. I had been in my home 3 years at that point - bought just as the market was at it's highest in 2006. I bought at 6.5% and had a bit more than 5 % down. The house had declined in value some (not like the person above) from about 264 to 229...so i was only negative equity about 8.5k.

I had my personal banker at Chase help me with all the paperwork - it took us hours and I was appreciative. About a month or so later - I received the terms - and the four trail payment dates (the first of Sept, Oct, Nov and Dec). I made each payment on time - or a day or two ahead.

Within a few weeks - as the person above described - I kept getting phone messages and mail that material was not sent in properly - although it was certified by the personal banker. I did the paperwork all over again - plus added all the material they asked for (they not only wanted the 4506T but then asked for me and my wifes entire tax return (which was over 70 pages). I faxed that all in the first week of November (we filed our taxes on Oct 15). It cost me 1 dollar per page - so the entire form was about 90 dollars.

I received calls at both my residence and cell phone daily (usually two calls a day - some days just one) during the rest of november and december - putting me on hold - as they then got back on the line - to tell me everything was "just perfect" - and I should hear something soon.

Between Christmas and New Years - I had called several times to see if I could get an answer - as the trial period was ending. They had no info.

Finally - 2 days before the New Year - I receive a phone call that says all of my information is now "outdated" - and i need to send it in again. As my wife was self employed - i needed to also have a CPA send in a certified P&L statement. In the meantime - keep making the trial payments. No problem.

I sent in all the info again. More money to fax.

Soon i received the daily calls again - for a few days all was ok. Then - someone comes back and says - "you need to sign your hardship affidavit form" - - to which i reply - "there's no place for a signature" - which he then said - "you're underwriter - kristina gordon - requests it - even tho there is no place for it."

I then FAX ANOTHER copy in again. However, I just signed the paper i faxed in about a week earlier. Apparently - that was wrong. I received a call Jan 19 - ish to tell me that the form i signed and faxed and the date that i signed and dated were not matched. I was told "I need to download a clean copy and then re-write it - and make sure I sign it and make sure the fax date and the signature on my hardship letter matched."

"BLEEEEP!"

So i re-wrote the entire hardship letter - four pages front and back - and re-faxed it. More money for the accountant. This time - I went back to Chase - who offered to go through the materials and fax it themselves - which they did. Certified.

In the meantime - at the end of Jan - I go back to my personal banker and tell her the story. The manager comes in and listens. I tell him i hear of stories about Chase giving people the runaround - as I had researched - and he says (I swear) - in a mumbled tone "I would get a lawyer if i were you."

I came out to the car and told my wife - we decided that would be overkill - and it's all just a formality.

In the meantime - I keep making the payments - and I received my two daily calls telling me all was just fine. At the end of Feb - I was told the underwriter had reviewed and written the information - and that the material had gone to a supervisor - and I would get my offer soon.

OH BOY.

After March 1st - I was called - expecting the usual chit chat - only to be informed my information was now outdated - and I needed to send it all in again. Plus a new P&L...it was tax season - and I had to pay an accountant to do that. And re-fax. Hundreds more spent.

I went to Chase - sat down with the manager who told me to get the lawyer - - I was pretty upset - - and I asked him flat out - "am i being taken?" He assured me no - this time - and said if i was patient - it would all work out in my favor.

By April the first - all the info was back in - and accounted for. I received sporadic calls this time - about every 3 days - - but each person assured me that all was good. I exasperatedly told that people on the phone that "last Feb the underwriter was finished - and an offer was forthcoming - why was it taking so long?". Never got a straight answer. Just a few days ago - i was called - and he said again - "you are perfect - and an offer will be made within two weeks." HOWEVER, I received a letter today stating that I was denied because "repeated requests for proper documentation were not met".

Ridiculous. I never missed a payment - even tho it started in September - and now its a day before June - in fact I was early. I sent in HUNDREDS of pages of documentation - alot of the work performed and proofed by Chase bankers - got yanked around by stupid requests (sign the back even tho there is no place for it - etc) only to be denied. I made it my business to make sure i answered every call - sometimes they came within minutes of each other (on each phone) for months - and this is what i get?

So - now i have this lovely paper trail - an electronic list of each call i received from chase - and now it's time to do exactly what the chase manager suggested. I am getting a lawyer - and I am suing. This process is NOT for the workers. It is NOT to help Americans out. It's to string us along until they have a reason (valid 0r make believe) to not adjust the mortgages - keep the money they've been given - and take our properties.

I tried to call today - when i received the letter - but the offices are all closed til Tuesday for the holiday. Oh well - I guess I will just use this time to document all this crap and get everything ready for the lawyer. I will go to chase tuesday and pull all my accounts.

And yes - the last phone call to tell me "everything was perfect" came after the date the letter was stamped and mailed.

Chase has been playing games with us since last May. We have been fortunate enough to be able to make our payments in full and on time. BUT they are now telling us they never received October, November, December of '09 and January of '10 payments! All payments were verified by our bank as having been received by Chase but Chase says they do not have them. We contacted an attorney who told us it takes a LOT of money to sue a mortage company/bank and especially hard with Chase due to their bailout status. We have hand carried proof of payments to the Jacksonville office which was just a waste of gas. They lost the first packet and I've not been able to get a human on the phone to find out about the second packet of proof-of-payment.
Sad, sad day when an unorganized, uncommunicative and unprofessional company such as this gets OUR help and denies us any.

Chase has been stringing me along for almost 6 months after telling me i was accepted to the MHA trial program. They negelected to inform me of all the details, I have been providing the same information several times over these past 6 months.

I do hope you have gotten your complaint resolved, and goodness knows I have no love lost for this company, but it is my understanding that there is no longer any legally-binding obligation to honor post-dated checks. I would be interested in hearing from someone who knows for certain.

(Back in the day, people honored them whether legally-bound or not, because a person's word and good name meant something.)

I am in similiar situation after Chase bank cashed in my largest post dated check, my account went to almost negative -$4000, the account was quickly replenished and the balance dropped to neagive -$300. Theny they cashed some checks and denied some and couldnt give me any explaination for the random action. I am pissed off since these becasue the bank manager or the telephone banker were not able to provide sufficent details on why they cashed some checks while rejected some.

I am in a similar situation. However, I transfered money the night before knowing that my rent check might go through. I transfered this money online from my savings to my checking account (both through Chase). That night, Chase put my rent check through, but held my electronic transfer for a whole day! Because they pay the larger charges first, 4 small charges (that had gone through previously that day, according to my online balance) became charges that I now had "insufficient funds" to pay. That is 4 charges of $33 each. I feel set up. I called the 800 number and received no help from the supervisor. I'm going into a branch tomorrow to fight this! Wish me luck.

My fiance and I took out a car loan with Chase. We have paid the bill through direct deposit to the account before the due-date each month. The mental giants at Chase then decide each month not to post the payment to the account in a timely fashion. Instead, they report us as being delinquent with payments to the amateur bullies at their collection agency. (By the way, the little incompetents also charge us a late fee each month. I can now predict, on a monthly basis, when the endless round of roto calls will be made to our house and when the useless widgets will suddenly realize the payment has been made and, in turn, stop calling.)

Have we pointed out the error of their ways to them? Yep, on numerous occasions by phone and by email. And, yes, they can try to be rude, pushy, and domineering. I’m not impressed nor am I intimidated. However, I am Cajun, in menopause, and ready to fight, so I’m sending a letter to Chase today with a copy to our State Attorney General and, if that fails, getting a lawyer. (There has to be a harassment claim in here somewhere.)

Oh and I forgot to mention the other thing I’m going to do: Refinance the damned car and never, never, never go near this company again. Spread the word, folks: When it comes to Chase, its Caveat emptor all the way! Let’s put ‘em out of business.

I have an Auto Loan with Chase Auto Finance also. I lost my job but was able to pick up income as a rep. I rep variouos products and get paid various time during the month. My payment date is the 15th of each month but I contacted them and told them the 15th would not work. They will not budge. I make the payment in about 8-10 days after the 15th and get harrassed and threatened. I had a great CS rep before and I had no problem because I always called her and she worked with me..now my "papers" got shoved over to a guy that acts like a loan shark and threatens me to the point of hives.

Is this legal? I understand that trouble brews after 30 days but 10 days?.Please advise...I try to go into the actual bank location..but no one has answered my question..Isn't there a grace period? I know that nothing is reported "Late" on your credit report until the 31st day? Please help me...These people are horrible!